| UPGRADE / CONVERSION /
TAKE-OVER POLICIES |
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| 1. |
Can I upgrade the plan?
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Yes, you can. However, application
for change to a higher plan can only be made on renewal
and is subject to acceptance by Kurnia Insurans (Malaysia)
Berhad (KIMB). Any request to upgrade will be subjected
to the terms and conditions set by KIMB including Upgraded
Policies clause. You are required to complete an upgrading
request form for our assessment.
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| 2. |
If I am an existing Kurnia medical
policyholder, upon renewal and transfer to new medical
plan, do I need to fill in proposal form?
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Yes, this is to ease our process
and at the same time we are able to know what type
of plan you have selected.
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| 3. |
Can I change from Reimbursement plan to Guaranteed
Admission plan? |
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You can apply to change plan on
renewal and is subject to acceptance by KIMB. The Conversion
Policies clause will apply when there is a change of
plan.
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| 4. |
If I convert the existing policy
to the new product upon renewal, will it be considered
as renewal case or new case?
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Conversion from existing medical
plan to new medical plan will be considered as renewal
case as long as policy is not lapsed. However, the
new plan must have similar Overall Annual Limit, as
a matter of fact claims under existing policy shall
be deducted from the Lifetime Limit of the new policy.
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| 5. |
Will there be any "take-over
policy" allowed from other insurance company?
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Yes, we can consider. There is
a form to be completed for our consideration. Take-over
policy is not automatic and is subjected to the claims
experience and on condition policy has been in force
for more than 12 months and has not lapsed.
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| 6. |
What is the procedure if I request for a take-over
policy? |
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You will have to complete and
submit the following forms and documents to us for
our assessment.
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| i. |
Proposal form
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| ii. |
Supplementary Questionnaire
for Take-Over policy
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| iii. |
Full set of preceding or expiring
medical policy (including policy schedule, benefit
schedule, policy wordings, endorsement, etc.)
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| iv. |
For life policy, proof of
last premium payment must be submitted to show
if policy is still in force
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Note: All the above forms and documents must be submitted
at least 2 weeks prior to policy expiry to avoid delay
in underwriting process. i.e. incomplete forms and documents,
which may lead to lapsation of applicant's current policy. |
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| 7. |
Is it compulsory for take-over
policy from others insurer to fill in KIMB Proposal
Form?
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Yes, and this cannot be waived.
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| 8. |
Is Waiting Period applicable
in take-over policy?
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Waiting Period will be waived.
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| 9. |
For take-over policy, will
the Pre-Existing illness clause be waived?
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No, only the Waiting Period and
Specified Illnesses can be waived.
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| 10. |
If there is a condition or
exclusion imposed in the existing policy, will the
condition be imposed in the new policy when I upgrade
the policy?
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Yes, the condition or exclusion
will be imposed in the new policy.
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| 11. |
What is "Take Over Policies"? |
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If the policy shall have commenced
immediately upon termination of a preceding policy
and if you shall have been afflicted with a medical
disability prior or at the time this policy started
(and benefits under the preceding policy would have
been available to you), you shall continue to be covered
for the existing disability, but not to exceed the
limits of the previous policy on condition the Company
has secured a copy of the preceding policy.
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| 12. |
What is "Conversion Policies"? |
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If the Eligible Benefits provided
under this policy shall have been converted from an
existing coverage of an 'Inner Limits' to an 'As Charged
/ Full Reimbursement' coverage, and if such insured
shall have been afflicted with a disability prior or
at the time the benefits were converted, the benefits
payable in respect of the disability shall be in accordance
with the schedule of benefit prior to the date the
eligible benefits were converted.
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