HealthCover Enhancer

The cost of insurance for HealthCover Enhancer is levied through deduction of units from the investment account of your policy. The amount to be deducted will depend on the amount and type of insurance cover chosen, as well as other factors such as age, sex, health status, smoker status, etc.

HealthCover Enhancer supplementary contract shall not cover:

1. any Carcinoma-In-Situ which first manifest itself prior to the hundred and twentieth (120th) day following the Issue Date or Reinstatement Date of the supplementary contract, whichever is later;
2. any Carcinoma-In-Situ which existed at the Issue Date or Reinstatement Date of the supplementary contract, whichever is later;
3. all Carcinoma-In-Situ in the presence of HIV.

The renewal of HealthCover Enhancer is guaranteed. All renewals are subject to sufficient fund value in the investment account and cost of insurance for any renewal is not guaranteed. We have the right to revise the charges, benefits, terms and conditions and you will be informed in writing of the revision at least three (3) months before renewal.

You should satisfy yourself that this rider will best serve your needs and that the cost of insurance under this rider is affordable. 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 receipt date of the supplementary contract for you to review its suitability and should you choose to return this rider within the period, the amount to be refunded shall be the cost of insurance deducted for this rider less any expenses incurred for medical examination.

Service Tax (if applicable) will be charged at the rate of 6% on the applicable portion of your premium/fee/charges for the period of insurance coverage.