These explanation are for illustration purposes only and the information included is neither comprehensive nor exhaustive. You need to refer to the Product Disclosure Sheet (PDS) and the Sales Illustration (SI) for further details. Both PDS and SI could be obtained from Your servicing advisers.
The Cost of Insurance payable for the Renewal is not guaranteed and subject to review in future. The adjustment in Cost of Insurance, if any, will aim to reflect the insurer claim experience, cost of medical treatment, medical inflation and advancement in medical technology. This list is not exhaustive and the Cost of Insurance rates may also be revised under other justified circumstances. Such changes, if any, shall be applicable to all Policy Owners irrespective of their policy duration and claim experience. The insurer have the right to revise the rates, benefits, terms and conditions and You will be informed in writing of the revision at least three (3) months before Policy Anniversary.
You should satisfy Yourself that this plan would best serve Your needs, and that investing in this Policy is an easy and affordable way to Your financial well-being. A free look period of fifteen (15) days or such longer period as may be specified by Bank Negara Malaysia, will be given from the date of receipt of the Policy by You to review its suitability and should You choose to return the Policy within the period, the amount to be refunded shall follow the terms and conditions in the Policy Contract.
Following the effective implementation of Goods and Services Tax (GST) on 1 April 2015, the insurer will charge the relevant GST amount at 6% or at the prevailing rate on the applicable portion of your insurance premium/fee/charges for the applicable period of insurance coverage from the GST effective date onwards in accordance to the statutory requirement of GST.