To help you make the right decision to protect those you truly love, we have included a few items to guide you. Nothing satisfies us more than knowing we have played a pivotal role in helping you with your policy / certificate. Our relationship with you is built on a platform of mutual trust and respect.
15-day Cooling Off Period (Free-Look Period)
This period starts from the date you first receive your new policy / certificate document. If for some reason you wish to cancel your policy / certificate, you may return the policy / certificate for cancellation within 15 days from the date you first received the policy / certificate document, to which the full premium / contribution paid (less any medical expenses incurred) will be refunded. Please inform us of your decision in writing.
Comprehensiveness and Transparency in Product Information
We are committed at all times to ensure all information and disclosure of our products and services are fair, accurate and comprehensive. We are also committed at all times, to portray our products and services in a clear, easily understood and in no way is deceptive, misleading or falsely represented manner.
Policy / Certificate Servicing Disclaimer
We reserve the right to accept or reject an application to purchase our product. We will inform the applicant of the rejection and will also state the grounds for rejecting the application within 10 working days from the date of complete documents received.
Terminating Your Current Plan to Enter Into a New Plan
It may not be advantageous to switch from one plan to another plan for the following reasons:
• The new plan may charge a higher premium / contribution based on your current age.
• You may be subject to new underwriting requirements for waiting period, exclusion of specified illness or pre-conditions under the new policy / certificate. You may end up paying additional premium / contribution or being denied coverage if there are changes to your health.
• For most medical and critical illness plans, the waiting period (the duration of which no claim is payable) resumes from the policy / certificate issue date or reinstatement date, whichever is later.
You can meet your financial objectives by upgrading your coverage instead of replacing it. Exercise your right to keep your financial objectives on track and be wary of undue influence from any party to terminate your existing coverage.