Reimbursement of the Reasonable and Customary Charges incurred for Medically Necessary domestic

ambulance services (land only) inclusive of attendant to and/or from the Hospital of confinement.

Payment will not be made if the Life Assured is not hospitalised and subject to the limits set forth in the Schedule

of Benefits.

We shall reimburse the Reasonable and Customary Charges imposed for Goods and Services Tax incurred on

taxable supplies and services, subject to the limits set forth in the Schedule of Benefits. The amount payable for

this benefit shall be included in the Overall Annual Limit.

We shall reimburse Reasonable and Customary Charges incurred for Hospital Admission fee and Medical Report

fee, arising from Hospitalisation for a Medically Necessary treatment, subject to the maximum amount stated in

the Schedule of Benefits.

We shall reimburse actual expenses for meals and lodging incurred in the Hospital to accompany a Life Assured

who have not attained aged fifteen (15) years. Expenses incurred for meals and lodging outside the Hospital are

not reimbursable.

The benefit payable shall not exceed, for any one day, the amount stated in the Schedule of Benefits for the

corresponding plan stated in the Policy Schedule and is limited to a maximum number of days stated in the

Schedule of Benefits.

We shall reimburse Reasonable and Customary Charges incurred subject to the maximum benefit stated in the

Schedule of Benefits, as a result of a bodily injury arising from an Accident for Medical Necessary treatment as

an Outpatient at any registered clinic or Hospital within twenty-four (24) hours of the Accident causing the bodily

Injury. Follow up treatment by the same Doctor or the same registered clinic or Hospital for the same bodily injury

will be provided up to the maximum of thirty (30) days as stated in the Schedule of Benefits.

If the Life Assured is diagnosed with Dengue Fever as defined below, We shall reimburse the Reasonable and

Customary Charges incurred for the Medically Necessary treatment for Dengue Fever and/or dengue

hemorrhagic fever performed at any registered clinic or Outpatient department of a Hospital. Such charges are

payable if the Life Assured is not hospitalised for the disease and shall include consultation, laboratory

examination tests and medication. The benefit payable shall not exceed, for any one (1) Policy Year, the amount

stated in the Schedule of Benefits for the corresponding plan stated in the Policy Schedule.

Dengue Fever means an acute infectious disease caused by an arthropod-borne virus and transmitted to humans

by the Aedes Mosquito. The disease must be diagnosed by a medical practitioner and be supported by

acceptable clinical, serology, histology and laboratory evidence. Diagnosis based solely on clinical observation is

not sufficient.

We shall reimburse Reasonable and Customary Charges incurred if the Life Assured is diagnosed with Cancer

as defined below for Medically Necessary treatment of cancer performed at a legally registered cancer treatment

centre subject to the limits specified in the Schedule of Benefits.

Such treatment (radiotherapy or chemotherapy excluding consultation, examination tests, and take home drugs)

must be received at the Outpatient department of a Hospital or a registered cancer treatment centre immediately

following discharge from Hospital Confinement or Surgery.

Cancer is defined as the uncontrollable growth and spread of malignant cells and the invasion and destruction of

normal tissue for which major interventionist treatment or Surgery (excluding endoscopic procedures alone) is

considered necessary. The cancer must be confirmed by histological evidence of malignancy. The following

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conditions are excluded:

a) Carcinorma in situ including of the cervix;

b) Ductal Carcinorma in situ of the breast;

c) Papillary Carcinorma of the bladder and Stage 1 Prostate Cancer;

d) All skin cancers except malignant melanoma;

e) Stage 1 Hodgkin's disease; and

f) Tumours manifesting as complications of AIDS (Acquired Immune Deficiency Syndrome).

It is a specific condition of this Benefit that notwithstanding the exclusion of pre-existing conditions, this Benefit

will not be payable for any Life Assured who had been diagnosed as a cancer patient and/or is receiving cancer

treatment prior to the Effective Date of Insurance.

We shall reimburse Reasonable and Customary Charges incurred if the Life Assured is diagnosed with Kidney

Failure as defined below for Medically Necessary treatment of kidney dialysis performed at a legally registered

dialysis centre subject to the limit of this Disability as specified in the Schedule of Benefits.

Such treatment (dialysis excluding consultation, examination tests, take home drugs) must be received at the

Outpatient department of a Hospital or a registered dialysis treatment centre immediately following discharge

from Hospital Confinement or Surgery.

Kidney Failure means end stage renal failure presenting as chronic, irreversible failure of both kidneys to function

as a result of which renal dialysis is initiated.

It is a specific condition of this Benefit that notwithstanding the exclusion of pre-existing conditions, this Benefit

will not be payable for any Life Assured who has developed chronic renal diseases and/or is receiving dialysis

treatment prior to the Effective Date of Insurance.

We shall pay a daily allowance for each day of confinement for a covered Disability in a Malaysian Government

Hospital, provided that the Life Assured shall confine to a Room and Board rate that does not exceed the amount

shown in the Schedule of Benefits. No payment will be made for any transfer to or from any Private Hospital and

Malaysian Government Hospital for the covered Disability.

The benefit payable, for any one day, shall be the amount stated in the Schedule of Benefits for the

corresponding plan stated in the Policy Schedule and is limited to a maximum number of days stated in the

Schedule of Benefits.

We shall reimburse Reasonable and Customary Daily Charges incurred for Medically Necessary skilled nursing

care administered by a registered nurse including therapy, treatments for wound, respiratory, diabetes care,

colostomy care, tube feeding, injections and other medication to the Life Assured in a home. The home nursing

care must be recommended in writing by a licensed Specialist or Physician following discharge from the Hospital

after a minimum of five (5) consecutive day of Hospital Confinement and the benefit payable shall not exceed the

amount stated in the Schedule of Benefits.

This benefit does not include custodial care i.e. services and supplies provided to person mainly to help with the

daily activities such as walking, eating, bathing care that most people do themselves and it should not be

primarily for the comfort or convenience of the Life Assured and/or his family.

Reasonable and Customary Charges for medical supplies consumed in and necessary to the execution of the

said nursing care will be reimbursed. The benefit payable shall not exceed the maximum per Hospitalisation limit

as stated in Schedule of Benefits for the corresponding plan stated in the Policy Schedule. This benefit is limited

to a maximum period of one hundred and eighty (180) days during the Term of Policy. In the event preassessment

of home nursing care is required and a fee is incurred, the pre-assessment fee will only be

reimbursable if Home Nursing Care Benefit is reimbursable. We have the right to request for any documentation

or particulars of a nursing care event, including original bills, receipts and necessary reports.

We shall reimburse the Reasonable and Customary Charges incurred for Medically Necessary follow up

treatment by a registered practitioner in Malaysia licensed under the Ministry of Health in Malaysia, within ninety

(90) days from discharge from Hospital.

The follow up treatment includes chiropractic, chiropody, homeopathy and osteopathy. The benefit payable shall

not exceed the amount stated in the Schedule of Benefits.

The Hospital Room and Board Benefit will be increased automatically by twenty percent (20%) of the initial amount at the

Policy Anniversary at the end of every two (2) years from the Effective Date of Insurance provided that no claim has been

made in the previous two (2) years, subject to the increment amount not being more than one hundred percent (100%) of

the initial Room and Board Benefit amount.

At the end of every two (2) years from the Effective Date of Insurance, if a claim has been made in the previous two (2)

years, the Hospital Room and Board Benefit will not be increased and the amount of benefit shall remain the same as the

previous two (2) years. The Hospital Room and Board Benefit shall be reviewed every (2) years at the Policy Anniversary.

The increase in the Hospital Room and Board Benefit will be effective from the beginning of the following Policy

Anniversary.

Any claims submitted, regardless of whether payment has been paid out or not, cannot be retracted by You or the Life

Assured in order to qualify for this benefit.

If any upgrade or downgrade of plan is performed (including any change in the Deductible Option), the accumulated no

claim reward will not be carried over to the revised plan. Any subsequent increase in the Hospital Room and Board will then

occur at the end of every two (2) years from the endorsement Issue Date of the downgrade or upgrade.

Cover the medical cost increment with investment policies as an option for your peace of mind.