Common use of Duty of Disclosure Clause in Contracts

Duty of Disclosure. You have a duty to take reasonable care not to make any misrepresentation when You applied for this insurance. You should answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of Your contract of insurance, refusal or reduction of Yourclaim(s), change of terms or termination of Your insurance contract. In the event of any pre-contractual misrepresentations by You relation to Your answers and disclosures , only remedies in Schedule 9 of the Financial Services Act 2013 will apply. You have a duty to tell Us immediately if at any time after Your insurance contract has been entered into, varied or renewed withUs, any of the information given when You applied for this insurance is inaccurate or has changed. At the point of purchasing this Policy and at any point during the validity of this insurance contract, You must immediately inform Us of any other insurance You have bought which provides like or similar type of coverage to the items insured under this insurance contract. DEFINITIONS Some words and expressions in this Policy has been printed in bold because they have been given specific meaning as follows: AccidentA sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of Injury or death. EndorsementA written alteration to the information, terms, conditions or warranties of this Policy. Extreme Sports and ActivitiesAny activity that is or may be highly dangerous(i.e. involves a high level of expertise, extreme physical activity, highly specialized gear or stunts) including but not limited to:a) Any speed contest or racing other than on foot;b) Mountaineering (reasonably requiring the use of ropes and guides), rock climbing, indoor climbing, abseiling or caving;c) Hiking or trekking in remote areas unless with licensed guides; d) Any activity involving the Person(s) Insured being airborne (whether suspended or not) including but not limited to parachuting, hot air balloon rides, hang gliding, sky diving or high diving, or flying except as a fare paying passenger in a scheduled carrier;e) Any underwater activities involving the use of underwater breathing apparatus, water-ski jumping;f) Soccer, rugby or American football; org) Motocross, Freestyle motocross or any forms of off-road motorcycling. InjuryA bodily injury caused solely by Accident.

Duty of Disclosure. You have a duty to take reasonable care not to make any misrepresentation when You applied for this insurance. i.e. You should answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of Your contract of insuranceinsurance contract, refusal or reduction of Yourclaim(sYour claim(s), change of terms or termination of Your insurance contract. In the event of any pre-contractual misrepresentations by You in relation to Your answers and disclosures disclosures, only remedies in Schedule 9 of the Financial Services Act 2013 will apply. You have a duty to tell Us immediately if at any time after Your insurance contract has been entered into, varied or renewed withUs, any of the information given when You applied for this insurance is inaccurate or has changed. At the point of purchasing this Policy and at any point during the validity of this insurance contract, You must immediately inform Us of any other insurance You have bought which provides like or similar type of coverage to the items insured under this insurance contract. DEFINITIONS DEFINITIONS‌ Some words and expressions in this Policy has have been printed in bold because they have been given specific meaning as follows: AccidentA sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of Injury Injury. Child/ChildrenYour legal unemployed and unmarried Child aged between 30 days and 18 years (both ages inclusive) or deathup to 23 years if studying full time at any educational or learning institution. Domestic TravelTravel undertaken by You during the Period of Insurance for the purpose of leisure and/ or business:a) within West or East Malaysia;b) beyond 50 kilometres from Your home; andc) excludes any daily commute to and from Your place of work. EndorsementA written alteration to the information, terms, conditions or and warranties of this Policy. Extreme Sports and ActivitiesAny activity that is or may be highly dangerous(i.e. dangerous (i.e. involves a high level of expertise, extreme physical activity, highly specialized gear or stunts) including but not limited to:a) Any speed contest or racing other than on foot;b) Mountaineering (reasonably requiring the use of ropes and guides), rock climbing, indoor climbing, abseiling or caving;c) Hiking or trekking in remote areas unless with licensed guides; d) Any activity involving the Person(s) Insured You being airborne (whether suspended or not) including but not limited to parachuting, hot air balloon rides, hang gliding, sky diving or high diving, or flying except as a fare paying passenger in a scheduled carrier;e) Any underwater activities involving the use of underwater breathing apparatus, apparatus or water-ski jumping;f) Soccer, rugby or American football; org) Motocross, Freestyle motocross or any forms of off-road motorcycling. InjuryA bodily injury caused solely by AccidentFamilyYour legal husband/wife at the commencement of the Policy and when making a claim and any number of Child/Children named as Person(s) Insured in the Policy Schedule.

Duty of Disclosure. You have a duty to take reasonable care not to make any misrepresentation when You applied for this insurance. You should answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of Your contract of insurance, refusal or reduction of Yourclaim(s), change of terms or termination of Your insurance contract. In the event of any pre-contractual misrepresentations by You relation to Your answers and disclosures , only remedies in Schedule 9 of the Financial Services Act 2013 will apply. You have a duty to tell Us immediately if at any time after Your insurance contract has been entered into, varied or renewed withUs, any of the information given when You applied for this insurance is inaccurate or has changed. At the point of purchasing this Policy and at any point during the validity of this insurance contract, You must immediately inform Us of any other insurance You have bought which provides like or similar type of coverage to the items insured under this insurance contract. DEFINITIONS Some words and expressions in this Policy has been printed in bold because they have been given specific meaning as follows: AccidentA sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of Injury or death. EndorsementA written alteration to the information, terms, conditions or warranties of this Policy. Extreme Sports and ActivitiesAny activity that is or may be highly dangerous(i.e. involves a high level of expertise, extreme physical activity, highly specialized gear or stunts) including but not limited to:a) Any speed contest or racing other than on foot;b) Mountaineering (reasonably requiring the use of ropes and guides), rock climbing, indoor climbing, abseiling or caving;c) Hiking or trekking in remote areas unless with licensed guides; d) Any activity involving the Person(s) Insured being airborne (whether suspended or not) including but not limited to parachuting, hot air balloon rides, hang gliding, sky diving or high diving, or flying except as a fare paying passenger in a scheduled carrier;e) Any underwater activities involving the use of underwater breathing apparatus, water-ski jumping;f) Soccer, rugby or American football; org) Motocross, Freestyle motocross or any forms of off-road motorcycling. Infectious Or Contagious Disease Any disease capable of being transmitted from an infected person, animal or species to another person, animal or species by any means. InjuryA bodily injury caused solely by Accident.

Duty of Disclosure. You have a duty to take reasonable care not to make any misrepresentation when You applied apply for this insurance. You should answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of Your contract of insurance, refusal or reduction of Yourclaim(sYour claim(s), change of terms or termination of Your insurance contract. In the event of any pre-contractual misrepresentations by You in relation to Your answers and disclosures disclosures, only remedies in Schedule 9 of the Financial Services Act 2013 will apply. You have a duty to tell Us immediately if at any time after Your insurance contract has been entered into, varied or renewed withUs, any of the information given when You applied for this insurance is inaccurate or has changed. At the point of purchasing this Policy and at any point during the validity of this insurance contract, You must immediately inform Us of any other insurance You have bought which that provides like or similar type of coverage to the items insured under this insurance contract. DEFINITIONS Some words and expressions in this Policy has have been printed in bold because they have been given specific meaning meanings as follows: AccidentA sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of Injury or death. EndorsementA written alteration to the information, terms, conditions or warranties of this Policy. Extreme Sports and ActivitiesAny activity that is or may be highly dangerous(i.e. involves a high level of expertise, extreme physical activity, highly specialized specialised gear or stunts) including but not limited to:a) Any speed contest or racing other than on foot;b) Mountaineering (reasonably requiring the use of ropes and guides), rock climbing, indoor climbing, abseiling or caving;c) Hiking or trekking in remote areas unless with licensed guides; d) Any activity involving the Person(s) Insured being airborne (whether suspended or not) including but not limited to parachuting, hot air balloon rides, hang gliding, sky diving or high diving, or flying except as a fare fare-paying passenger in a scheduled carrier;e) Any underwater activities involving the use of underwater breathing apparatus, water-ski jumping;f) Soccer, rugby or American football; org) Motocross, Freestyle motocross or any forms form of off-road motorcycling. Infectious Or Contagious Disease Any disease capable of being transmitted from an infected person, animal or species to another person, animal or species by any means. InjuryA bodily injury caused solely by Accident.

Duty of Disclosure. You have a duty to take reasonable care not to make any misrepresentation when You applied apply for this insurance. You should answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of Your contract of insurance, refusal or reduction of Yourclaim(sYour claim(s), change of terms or termination of Your insurance contract. In the event of any pre-contractual misrepresentations by You in relation to Your answers and disclosures disclosures, only remedies in Schedule 9 of the Financial Services Act 2013 will apply. You have a duty to tell Us immediately if at any time after Your insurance contract has been entered into, varied or renewed withUs, any of the information given when You applied for this insurance is inaccurate or has changed. At the point of purchasing this Policy and at any point during the validity of this insurance contract, You must immediately inform Us of any other insurance You have bought which that provides like or similar type of coverage to the items insured under this insurance contract. DEFINITIONS Some words and expressions in this Policy has have been printed in bold because they have been given specific meaning meanings as follows: AccidentA sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of Injury or death. EndorsementA written alteration to the information, terms, conditions or warranties of this Policy. Extreme Sports and ActivitiesAny activity that is or may be highly dangerous(i.e. dangerous (i.e. involves a high level of expertise, extreme physical activity, highly specialized specialised gear or stunts) including but not limited to:a) Any speed contest or racing other than on foot;bfoot (up to a maximum of 42.2km);b) Mountaineering (reasonably requiring the use of ropes and guides), rock climbing, indoor climbing, abseiling or caving;c) Hiking or trekking in remote areas unless with licensed guides; dguides;d) Any activity involving the Person(s) Insured being airborne (whether suspended or not) including but not limited to parachuting, hot air balloon rides, hang gliding, sky diving or high diving, or flying except as a fare fare-paying passenger in a scheduled carrier;ecarrier; e) Any underwater activities involving the use of underwater breathing apparatus, water-ski jumping;f) Soccer, rugby or American football; org) Any form of motor convoy, Motocross, Freestyle motocross or any forms of off-road motorcycling. HomePerson Insured’s regular place of residence in Malaysia. InjuryA bodily injury caused solely by Accident. Medical PractitionerA medical practitioner qualified, registered and licensed to practice western medicine, by the appropriate health authority/ medical council/ professional body and who, in rendering such treatment, is practising within the area and scope of his/her licensing and training of medical practice, provided that the Medical Practitioner is not You or the Person(s) Insured. OverseasOutside of Malaysia, Singapore, Brunei Darussalam and Thailand. Overseas TripOverseas travel for leisure or business purposes. Period of InsuranceDuration of the cover stated in the Policy Schedule. Injury sustained during an Accident and is certified by a Medical Practitioner as being permanent.

Duty of Disclosure. You have a duty to take reasonable care not to make any misrepresentation when You applied apply for this insurance. You should answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of Your contract of insuranceinsurance contract, refusal or reduction of Yourclaim(sYour claim(s), change of terms or termination of Your insurance contract. In the event of any pre-contractual misrepresentations by You in relation to Your answers and disclosures disclosures, only remedies in Schedule 9 of the Financial Services Act 2013 will apply. You have a duty to tell Us immediately if at any time after Your insurance contract has been entered into, varied or renewed withUs, any of the information given when You applied for this insurance is inaccurate or has changed. At the point of purchasing this Policy and at any point during the validity of this insurance contract, You must immediately inform Us of any other insurance You have bought which that provides like or similar type of coverage to the items insured under this insurance contract. DEFINITIONS Some words and expressions in this Policy has have been printed in bold because they have been given specific meaning as follows: AccidentA sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of Injury or deathInjury. EndorsementA written alteration to the information, terms, conditions or warranties of this Policy. Extreme Sports and ActivitiesAny activity that is or may be highly dangerous(i.e. dangerous (i.e. involves a high level of expertise, extreme physical activity, highly specialized specialised gear or stunts) including but not limited to:a) Any speed contest or racing other than on foot;b) Mountaineering (reasonably requiring the use of ropes and guides), rock climbing, indoor climbing, abseiling or caving;c) Hiking or trekking in remote areas unless with licensed guides; d) Any activity involving the Person(s) Person Insured being airborne (whether suspended or not) including but not limited to parachuting, hot air balloon rides, hang gliding, sky diving or high diving, or flying except as a fare fare-paying passenger in a scheduled carrier;e) Any underwater activities involving the use of underwater breathing apparatus, apparatus or water-ski jumping;f) Soccer, rugby or American football; org) Motocross, Freestyle motocross or any forms of off-road motorcycling. Infectious Or Contagious Disease Any disease capable of being transmitted from an infected person, animal or species to another person, animal or species by any means. InjuryA bodily injury caused solely by Accident. Medical PractitionerA medical practitioner qualified, registered and licensed to practice Western medicine, by the appropriate health authority/medical council/professional body and who, in rendering such treatment, is practicing within the area and scope of his/her licensing and training of medical practice, provided that the Medical Practitioner is not You or the Person Insured. OverseasOutside of Malaysia, Singapore, Brunei Darussalam and Thailand. Period of InsuranceDuration of the cover stated in the Policy Schedule. Permanent DisablementInjury sustained during an Accident and is certified by a Medical Practitioner as being permanent. Each person named in the Policy Schedule aged between 16 and 80 years upon whose life The Insured has an insurable interest. A document where details of the Person Insured’s personal information, coverage type, benefits, premium and sum insured are specified. Corporate body to whom the Policy has been issued in respect of the Person Insured. Berjaya Sompo Insurance Berhad. We agree to cover the Person Insured for death, Injury or any loss and/or damage up to the amount stated in Policy Schedule or Endorsement subject to the conditions, exclusions and limitations contained in this Policy. It is a fundamental and absolute condition of this Policy that the premium due must be paid and received by Us before the cover commences.

Duty of Disclosure. You have a duty to take reasonable care not to make any misrepresentation when You applied for this insurance. You should answer all questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of Your contract of insurance, refusal or reduction of Yourclaim(sYour claim(s), change of terms or termination of Your insurance contract. In the event of any pre-contractual misrepresentations by You relation to Your answers and disclosures disclosures, only remedies in Schedule 9 of the Financial Services Act 2013 will apply. You have a duty to tell Us immediately if at any time after Your insurance contract has been entered into, varied or renewed withUs, any of the information given when You applied for this insurance is inaccurate or has changed. At the point of purchasing this Policy and at any point during the validity of this insurance contract, You must immediately inform Us of any other insurance You have bought which provides like or similar type of coverage to the items insured under this insurance contract. DEFINITIONS Some words and expressions in this Policy has been printed in bold because they have been given specific meaning as follows: AccidentA sudden, unintentional, unexpected, unusual and specific event that occurs at an identifiable time and place which shall, independently of any other cause, be the sole cause of Injury or death. EndorsementA written alteration to the information, terms, conditions or warranties of this Policy. Extreme Sports and ActivitiesAny activity that is or may be highly dangerous(i.e. dangerous (i.e. involves a high level of expertise, extreme physical activity, highly specialized gear or stunts) including but not limited to:a) Any speed contest or racing other than on foot;bfoot (up to a maximum of 42.2km);b) Mountaineering (reasonably requiring the use of ropes and guides), rock climbing, indoor climbing, abseiling or caving;c) Hiking or trekking in remote areas unless with licensed guides; dguides;d) Any activity involving the Person(s) Insured being airborne (whether suspended or not) including but not limited to parachuting, hot air balloon rides, hang gliding, sky diving or high diving, or flying except as a fare paying passenger in a scheduled carrier;ecarrier; e) Any underwater activities involving the use of underwater breathing apparatus, water-ski jumping;f) Soccer, rugby or American football; org) Any form of motor convoy, Motocross, Freestyle motocross or any forms of off-road motorcycling. HomePerson Insured’s regular place of residence in Malaysia. InjuryA bodily injury caused solely by Accident. Medical PractitionerA medical practitioner qualified, registered and licensed to practice western medicine, by the appropriate health authority/ medical council/ professional body and who, in rendering such treatment, is practicing within the area and scope of his/her licensing and training of medical practice, provided that the Medical Practitioner is not You or the Person(s) Insured. OverseasOutside of Malaysia, Singapore, Brunei Darussalam and Thailand. Overseas TripOverseas travel for leisure or business purposes. Period of InsuranceDuration of the cover stated in the Policy Schedule. Injury sustained during an Accident and is certified by a Medical Practitioner as being permanent.