MPower 2 Type R  
Article Index:
1. MPower 2 Type R
2. Annual Premium
3. Optional Cover
4. Frequently Asked Questions
5. Exclusions
Frequently Asked Questions
Page 4 of 5

Q: Who can buy this policy?

A: Any person between the age of 5 years and 50 years who is in good health at the time of application. The policy can be renewed up to 65 years old.

Q: Do I need a medical check up?

A: No. You just need to complete the proposal form fully and truthfully; otherwise the policy may be void.

Q: When does my cover begin?

A: From the day your proposal form is approved.

Q: Is the policy subject to a waiting period?

A: Yes, there is a 30 days waiting period from the effective date of the policy, unless hospitalisation is due to an accident.

Q: Is the renewal guaranteed?

A: Yes, the policy provides a guaranteed renewal until you reach the age of 65 years old, even claims have been made. The premium is not guaranteed which is subject to annual revision according to the overall claims costs.

Q: Are there any sub-limit under the policy?

A: Except for the room and board (ICU), ambulance and sinseh charges, all eligible expenses including cancer treatments will be reimbursed up to the Overall Lifetime Limit.

Q: Can I seek medical treatment overseas?

A: Yes, you will be reimbursed up to the equivalent treatment costs in Malaysia. The cost of transport is not claimable.

Q: Is there a limit as to how much I can claim?

A: You may claim up to the Overall Lifetime Limit under the chosen plan.

Q: Are there any exclusions?

A: Yes, you can find the full details stated in this brochure under the heading “Exclusions”.

Q: Can I upgrade my Plan anytime?

A: Yes, you may. However, any request to upgrade will be treated as a new application.

Q: Can I return the policy if I am not satisfied with it?

A: Yes, you may return to us within 15 days from the date of issue. Full premium will be refunded subject to deduction of the administration expenses up to RM50.

Q: What is the claim procedure?

A: Just call toll free 1-800-88-1138

Q: Where can I get more information about this product?

A: You can contact your agent or any of our 35 branches nearest to you. Our toll free line is 1-800-88-3199