UPGRADED ROOM AND BOARD CO-PAYMENT
If you are hospitalized at a Room & Board rate which is higher than your eligible benefit, you shall bear 20% of the other eligible benefits described in the Schedule of Benefit.

WAITING PERIOD
No benefit shall be payable for any illness occurred or contracted during the first 30 days of the effective date of this insurance for the first year Policy, except for accident.

COOLING-OFF PERIOD
If this Policy shall have been issued and for any reason whatsoever you shall decide not to take up the Policy, you may return the Policy to the company for cancellation provided such request is delivered to the company within fifteen (15) days from the date of delivery of the Policy. You are entitled to the return of the full premium paid less deduction of medical expenses incurred by the company in the issue of the Policy.

BENEFITS LIMIT
Benefits payable in respect of expenses incurred for treatment provided to you shall be limited to the REASONABLE AND CUSTOMARY CHARGES for the treatment provided, benefit limit and overall annual limit stated in the Schedule of Benefit.

PREMIUM
The annual premium payable is based on the Schedule of Benefit. The premium is charged according to your age next birthday at entry, health status, occupation, etc. and our fees for administering this class of insurance.

PERIOD OF COVER AND RENEWAL PREMIUM
This 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. The renewal premiums payable is not guaranteed and the Company reserves the right to revise the premium rate applicable at the time of renewal. Generally, if the health status has been good, the premium in future Policy years will increase by your attained age according to the age band.

RENEWAL
Renewal is up to 18 ages next birthday or upon expiration of the lifetime limit, at the premium rate applicable at the time of renewal provided the Company continues to transact this insurance product.

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

RESIDENCE OVERSEAS AND OVERSEAS TREATMENT
This Policy gives you protection whilst you are at overseas for 90 days on business or vacation. However, no benefits shall be payable if the intention is to seek treatment overseas whilst treatment is available locally.