1. Will I be covered if I am abroad?
  2. What happens if I am diagnosed with an illness right after I have purchased the policy?
  3. Should I decide to cancel my purchase of this policy, will there be a surcharge?
  4. What are pre-existing illnesses and specified illnesses?
  5. Is there any survival period for Female Cancers benefit?
  6. What happens if I decide to switch policies?
  7. Is policy renewal guaranteed?
  8. What happens if I forget to pay the premium?

1. Will I be covered if I am abroad?
You will not be covered if you are outside Malaysia:

a. on business or vacation for a period exceeding three (3) consecutive months per year; or
b. to seek medical treatment overseas although such treatment is available locally.

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2. What happens if I am diagnosed with an illness right after I have purchased the policy?
The benefit will not be payable for any illnesses occurred or contracted during the first thirty (30) days of the effective date of insurance for the first policy year except for accident.

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3. Should I decide to cancel my purchase of this policy, will there be a surcharge?

You are entitled to a 15-day ‘free look’ period after purchase of this policy. Should you decide to cancel, we will refund all premiums paid, less any medical expenses incurred by us in the process of issuing the policy, if any.
 



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4. What are pre-existing illnesses and specified illnesses?

Pre-existing illnesses shall mean disabilities that the insured has reasonable knowledge of. The insured may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:
a. the insured had received or is receiving treatment; or
b. medical advice, diagnosis, care or treatment has been recommended; or
c. clear and distinct symptoms are or were evident; or
d. its existence would have been apparent to a reasonable person in the circumstances.

Specified illnesses shall mean the following disabilities and its related complications, occurring within the first hundred twenty (120) days of insurance of the insured:
a. Hypertension, diabetes mellitus and cardiovascular disease
b. All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system
c. All ear, nose (including sinuses) and throat conditions
d. Hernias, haemorrhoids and fistulae
e. Endometriosis including disease of the reproductive systemf. Vertebro-spinal disorders (including disc) and knee conditions
 



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5. Is there any survival period for Female Cancers benefit?

Yes, you will be subjected to thirty (30) days of survival period from the day you are diagnosed with any Female Cancers.



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6. What happens if I decide to switch policies?

You are advised to consider carefully before switching products as the new product will have its own underwriting benefits, provisions, conditions and exclusions which may or may not be appropriate to your insurance needs. If in doubt as to whether PesonaLady is suitable for you, please contact our Customer Service or Financial Executive.
 



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7. Is policy renewal guaranteed?

The renewability of the policy is not guaranteed and the Insurer reserves the right to cancel the policy accordingly at policy renewal by giving a minimum thirty (30) days written notice to the insured.



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8. What happens if I forget to pay the premium?

The cessation of premium payment before the end of the period of insurance will lead to an early termination of coverage to the insured.
 



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