Adult from 18 years to 65 years of age and renewal up to 80 years old or children from 30 days to 18 years old or up to 23 years old who is studying full-time in a recognized institution of higher learning.

Individual Plan

Children: from 30 days to 18 years old or up to 23 years old who is studying full-time in a recognized institution of higher learning eligible up to Plan 3.

Family Plan
Insured and legal spouse from 18 years to 65 years of age and up to 80 years old for renewal and any number of fully dependent child and/or legally adopted child aged between 30 days and under the age of 18 years or up to 23 years who is study full-time in a recognized institution of higher learning. Spouse under Family Plan shall be limited to only one legal spouse.

Class 1 & 2 occupations only for online purchase.

General Exclusion:

• War and allied risks
• Suicide (whether sane or insane) or any attempt threat
• Illness, diseases, infections, acquired immune deficiency syndrome (AIDS), human immune deficiency virus (HIV) and/or HIV related illness. However, the named diseases specifically mentioned under Medical Expenses, Blood Transfusion and Bereavement Allowance Benefits may be covered under specific circumstances as defined in the policy
• Childbirth, miscarriage (except due to motor vehicle accident), pregnancy or any other complications
• Any kind of professional sports activities
• Flying as a pilot or crew member in any aircraft other than as a fare paying passenger in an aircraft licensed for passenger service
• Pre-existing physical or mental defect or infirmity
• Hazardous sports activities such as mountaineering involving the use of ropes or mechanical guides, parachuting, hand gliding, any kind of racing (other than on foot)
• Radioactive and nuclear weapon material accidents

Applicable to Personal Liabilities:

• Liability assumed under contract and/or agreement.
• Claims made by your employees for accidents arising in the course of employment.
• Claims against you by your family members.
• Liability in respect of damage to property held under your care, control or custody.
• Liability arising from the ownership, possession or use of any animal (other than a dog or cat), mechanically propelled vehicle, vessel or aircraft, land or building and firearms.
• Seepage pollution or contamination.
• Liability arising out of your employment, trade, profession or business.
• Fines, penalties, punitive or exemplary damages.
• Radioactive and nuclear weapon material accidents
• War and allied risks
• Any consequential loss of any kind whatsoever.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.