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| 3.7 |
Some
major unacceptable medical conditions:
Heart impairment, cancer, end organ impairment and diabetes mellitus. |
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| 3.8 |
Excluded
occupation groups:
Asbestos workers, Divers, Foreign labourers, Miners (mine & quarry),
Seamen, Tunnellers, Workers handling explosive, Weapon production workers,
Offshore workers, Timber camp loggers, Fishermen, Logging risk workers. |
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| 3.9 |
* For
children under 18 years old, maximum sum assured for crisis event is
RM100,000 per life. |
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| 3.10 |
* For
Assured from age 18 to 54 years, maximum sum assured for crisis event is
RM500,000 per life. |
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* 3.9
& 3.10 refer to all existing individual and group PA
Healthguard/Enhanced PA Healthguard/Classic Healthguard plans issued by
Accident & Health Department. |
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| 3.11 |
No
increase in sum assured of the same policy after inception. |
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| 3.12 |
Pregnant
women more than 6 months will be postponed until after confinement. |
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| 3.13 |
Medical
Examination (include blood profile & other tests) by AIA panel
doctor may be required for sum assured of RM300,000 or more on per life
basis. The medical costs shall be at the Assured's expense. |
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| 3.14 |
Documentary
stamp fee of RM10.00 per policy issued. |
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| 3.16 |
Conversion
of plan from the existing Healthguard plan to Healthguard 55 is not
allowed. |
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| 3.17 |
General
exclusions include |
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- Any congenital anomalies and conditions
arising out of or resulting therefrom;
- AIDS or HIV infection;
- Any pre-existing condition;
- Any crisis event, injury or sickness
other than the crisis events as they are specifcally defined in the
Policy Contract.
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| Please
feel free to contact us for more details. |
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