Malaysians aged 19 to 60 years old and policy is renewable up to 100 years old. Dependent children (unmarried & unemployed) must be 30 days old and under the age of 19 or up to the age of 23 for those registered full time students at a recognised educational institution in Malaysia.

The Policy shall become effective as of the date stated in the Schedule. The Policy Anniversary shall be one year after the effective date and annually thereafter. On each such anniversary, this Policy is renewable at the premium rates in effect at that time as notified by the Company. A notice of 30 days will be given should any premium rate be increased. Renewal will not be invited once you attain the maximum age limit of this product.

This Policy is renewable at the option of the policyholder subject to terms, conditions and termination at each policy anniversary date. The renewal premium payable will increase with age and is not guaranteed. The Company reserves the right to revise the premium rate applicable at the time of renewal. Such changes, if any shall be applicable to all Policyholders irrespective of their claim experiences according to the Company's risk assessment.

Application for change of benefits to a higher plan can only be made on renewal and is subject to acceptance by the Company.