Find your answers here:
   
Q1.   What is the entry age for Healthguard 55?
Q2.   What is the premium payment term?
Q3.   Will the premium increase with the increase in age?
Q4.   Is there a waiting period?
Q5.   Is there any unacceptable medical condition?
Q6.   What is not covered?
   

 

 

 

 

  
A1.   Individual from age 6 months to 54 years old.
   

 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
     
A2.   Premium is payable during the premium paying period of the basic policy until the policy year during which the Assured reaches Age 54 years (inclusive).  
 

 

 
 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
   
A3.   No.  Level premium at entry age.
   

 
 
 
 

 

 

 

 

 

 

 

 

 

 

 

 
   
A4.   Elimination period for coverage on Crisis Events:
 
(a) 90 days from Policy Effective Date or Date of Last Reinstatement, whichever is later.
 
(b) For Female Cancers which means Female Breast Cancer and Female Genital Cancer , the waiting  period is 180 days from Policy Effective Date or Date of Last Reinstatement, whichever is later.
 

 

 
 

 

 

 

 

 

 

 

 

 

 
   
A5.   Some major unacceptable medical conditions are heart impairment, cancer, end organ   impairment and diabetes mellitus.  
     

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
 

 
A6.

 

General exclusions are in respect of crisis events resulting from congenital anomalies or conditions arising out of or resulting therefrom; AIDS or HIV infection; any pre-existing condition; and crisis event, injury or sickness other than the crisis events as they are specifically defined in the Policy Contract.  Other standard exclusions are listed in the Policy Contract.