Please refer to the Premium Schedule (for Malaysian residents) in this brochure. Premium depends on present age (year of birth) and level of cover. 

Different terms will apply for:

1. Non-Malaysian residing in Malaysia;
2. Those who engage in hazardous occupations or sports;
3. Those who visit or live in remote locations;
4. Those with existing medical conditions.

Anyone accepted by the Company aged between 15 days and 59 years at first enrolment. Cover may be granted beyond age 59, provided the Insured Person is enrolled in the Plan before that age and has remained continuously covered thereafter, up to the maximum age of 80.

A child aged from 15 days and up to 18 years who is unmarried and financially dependent on the Policyholder or up to 23 years if still undergoing full-time education and who is not gainfully employed can only be insured along with at least one parent.

Pre-Existing Illnesses shall mean disabilities that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

• The Insured Person had received or is receiving treatment;
• Medical advice, diagnosis, care or treatment has been recommended;
• Clear and distinct symptoms are or were evident; or
• Its existence would have been apparent to a reasonable person in the circumstances.

No benefits shall be payable if you reside or travel outside Malaysia for more than 90 consecutive days. However, this shall not apply to you if you are in Singapore for the purpose of seeking medical treatment subject to you having paid additional premium for Optional Coverage for Treatment in Singapore.

Yes. However, it is subject to the customary cost of treatment in Malaysia and subject to transportation costs being excluded. For treatment in Singapore*, reimbursement of charges incurred for Medically Necessary Treatment for a covered Disability will be based on the official exchange rate ruling on the last day of the Hospitalisation subject to terms and conditions of the Policy.
*Only applicable when you have paid additional premium for Optional Coverage for Treatment in Singapore.