i. International
   • Single Trip Plan : Min 30 days old, no maximum age limit
   • Annual Plan: Above 18 and below 70 years of age, with policy renewal up to age of 80 (annual policy for International plan only)

ii. Domestic
   • Minimum 30 days old, up to age of 80 years

i. International
   Single Trip Plan – the maximum length of each covered trip is 183 days
   Annual Plan – the maximum length of each covered trip is 90 days with unlimited number of trips per year

ii. Domestic
   Single Trip Plan – the maximum length of each covered trip is 30 days

i. The Insured Person must be a Malaysian or Malaysian Permanent Resident or valid work permit holder or valid employment pass holder or valid dependent pass holder or valid long-term social visit pass holder or valid student pass holder of at least eighteen (18) years of age on the Effective Date

ii. The Spouse must be a Malaysian or Malaysian Permanent Resident or valid work permit holder or valid employment pass holder or valid dependent pass holder or valid long-term social visit pass holder or valid student pass holder, at least eighteen (18) years of age on the Effective Date

iii. The Child(ren) must be at least thirty (30) days of age and not more than eighteen(18) years (or twenty-three (23) years if studying fulltime at a recognized school, college or university)

* If a dependent child is below the age of 18 years, parent/guardian can purchase this insurance for the benefit of this child

“Dependent Child” mean legally dependent, unmarried children (including step-children and legally adopted children) who are wholly dependent on the insured, minimum 30 days old, but not more than 18 years of age or not more than 23 years of age and a full-time student at a recognized school, college or university

i. Single Trip:
   You may cancel Your policy by giving a written notice to Us. However, there is no refund of premium once the policy is issued.

ii. Annual Plan:
   The Policyholder may cancel this Policy at any time by giving notice to Us provided no claim has arisen during the current Period of Insurance.
   In the event of such cancellation, short rate refund applies (please refer policy contract)

All trips must commence in Malaysia.