Confirmation of Understanding

 

I am aware that the product provides coverage/pays out benefits on the following:

(a) Death Benefit

(b) Total & Permanent Damage Benefit 

(c) Accidental Death Benefit

(d) Accidental Total and Permanent Disability Benefit

(e) Accidental Death Benefit due to Public Conveyance

(f) Accidental Death Benefit outside Malaysia

(g) Accidental Hospital Income Benefit

I am aware that the product does not provide coverage/ pay out benefits on the following: 

(a) Death benefit is NOT payable if the Life Assured commit suicide within one year from Risk Commencement Date or from the date the coverage is upgraded, dies due to duelling, the hand of justice, or committing or attempting to commit an unlawful act under Malaysian Law.

(b) Total and Permanent Disability (TPD) Benefit is NOT payable if TPD is caused by: attempted suicide, self-inflicted injury, being under the influence of drugs or liquor, engaging in hazardous activity, engaging in submarine voyage, performing duties in military, pre-existing illness or accident, dangerous pursuits and occupation inclusive but not limited to boxing, diving and acrobat.

(c) Accidental Death Benefit is NOT payable if death is caused by: assault or murder, riot, suicide, being under the influence of alcohol, drug abuse, pregnancy, pre-existing disabilities, dangerous pursuits and occupation inclusive but not limited to boxing, diving and acrobat.

(d) Accidental TPD and Hospital Income Benefit is NOT payable if TPD or accidental is caused by: assault or murder, riot, riot, civil commotion, strikes or terrorist activities, self-infliction or destruction or any attempt thereat while sane or insane, attempted suicide whether sane or insane, drug abuse, pregnancy, pre-existing disabilities, dangerous pursuits and occupation inclusive but not limited to boxing, diving and acrobat.

The list is non-exhaustive. Please refer to the policy contract for the fill list of exclusions under this policy.

I am aware that:

(a) If I change my mind, I have 15 days to return the policy/certificate after the date it has been delivered to me and I can obtain a refund.

(b) I can make a nomination.

To make a claim, please refer to the claims guide. For any other enquiries, our customer service can be reached at 1300-22-6622 (local) or +603-2298 0068 (overseas).

NOTE: If you are unsure about the product details, please refer to our PDS here.