Sickness arising within the first 30 days of insurance
Pre-existing Condition, except Disabilities that are declared to the Company in the proposal form; that for which the company does not impose any condition, will be covered after 12 months of your insurance cover
Specific Illness occurring during the first 120 days of continuous cover
Cosmetic treatments, dental conditions or refractive errors of the eyes except due to accidental injury
Congenital abnormalities or pregnancy-related conditions
AIDS or sexually transmitted diseases
Self-inflicted injuries, drug addiction, mental or nervous disorders
Non-medically necessary expenses, weight control, sexual dysfunction, medical examinations, investigative procedures, or preventive treatment
Nuclear or military-related activities
Racing (other than foot racing), professional sports, or underwater activities
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is in your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 1st February 2016.
The duration of cover is for one year. You need to renew your cover annually.
You are to truthfully, correctly and completely answer all questions in the proposal form and disclose fully and faithfully all the facts which you know (or reasonably in the circumstances could be expected to know) to be relevant to our decision on whether to accept the risk or not, and the rate and terms to be applied; otherwise the Policy issued may be void.
It is important that you read and understand the Terms, Conditions and Exclusions of the policy.