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.
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.
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.
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
Yes, you will be subjected to thirty (30) days of survival period from the day you are diagnosed with any Female Cancers.
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.
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.
The cessation of premium payment before the end of the period of insurance will lead to an early termination of coverage to the insured.