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It covers Cancer, Coronary Artery By-Pass Surgery, Heart Attack, Kidney Failure and Stroke.

Yes, there are circumstances when a claim will be denied. For example, if the individual was diagnosed with cancer during the Waiting Period (the first 60 days after the policy takes effect), the cancer claim would not be admissible. For a detailed list of exclusions, please refer to the Product Disclosure Sheet and Policy Wordings.

No, you may purchase only one policy of the same plan.

You have the option to reduce the Sum Assured upon every 10-year renewal only.

The policy term is 10 years, with guaranteed renewability of another 10 years, up to 2 times, subject to the last renewal age of 60 years old.

At the end of the 10th policy year, this plan will automatically be renewed for another 10 years term without underwriting. This plan could be renewed up to 2 times, subject to the last renewal age of 60 years old. The renewal premium is determined based on the attained age of the Life Assured at the prevailing rates on the date of renewal. The premium rates will increase as you get older. The prevailing rates will be determined by the Company from time to time. You are required to notify Hong Leong Assurance Berhad at least 30 days prior to the expiry of this plan if you do not want to renew the plan for another 10 years.

Yes, there are circumstances when a claim will be denied. For example, if the individual was diagnosed with cancer during the Waiting Period (the first 60 days after the policy takes effect), the cancer claim would not be admissible. For a detailed list of exclusions, please refer to the Product Disclosure Sheet and Policy Wordings.

Pre-existing Illness means an illness/ condition which existed prior to the Issue Date, Alteration Effective Date or any Reinstatement Date of this Policy, whichever is the latest, and that the Life Assured has reasonable knowledge of. A Life Assured may be considered to have reasonable knowledge of a pre-existing illness/ condition where the illness/ condition is one for which:

1. the Life Assured had received or is receiving treatment;

2. medical advice, diagnosis, care or treatment has been recommended;

3. clear and distinct symptoms are or were evident; or

4. its existence would have been apparent to a reasonable person in the circumstances