The revised premium is priced on a portfolio basis and takes into consideration the past claims experience of the whole portfolio and current private healthcare inflation. Your premiums will be pooled with other policyholders' premiums to pay claims. If the total claims paid out from the pool of fund is high, the premium for all policyholders in the same pool may increase, including your premiums even if you did not make a claim.

We understand the importance of continuous protection, therefore repricing is necessary to ensure sustainability of the product.

Your policy shall lapse if you choose to discontinue the coverage immediately following the expiry date of the policy. Please note that if you intend to switch your policy to another insurer or from one type of health plan to another, the Waiting Period and Specified Illlnesses exclusions may start afresh. Any deteriorating health status may also result in imposition of les favourable terms or non acceptance of application.