Common Contracts

POLICY CONTRACT FOR

November 29th, 2023

• Filed
  November 29th, 2023

Contents 1 Policy Owners’ Protection Scheme Page1 2 Our Responsibilities 2.1 Critical illness (CI) Premium Waiver Benefit 1 3 Your Responsibilities 3.1 Premium 2 3.2 Reinstatement 2 4 What Is Not Covered? 4.1 Critical Illness (CI) 3 4.2 Waiting Period 3 5 Making Claims From The Policy 5.1 How to make a Claim 3 5.2 Who do We pay Benefits to 3 6 Our Rights 6.1 Incontestability 4 6.2 Correction of Mistakes and Errors 4 6.3 Fraud and Misrepresentation 4 6.4 Change of Address, Country of Residence or Citizenship 4 6.5 Changes in Taxation, Regulations and Legislation 5 6.6 Errors In Age / Gender / Smoker Status / Country of Residence 5 6.7 Prohibited Person Limitation and Exclusion 5 7 Your Rights 7.1 Free Look 5 8 When Will Your Policy End? 6 9 What Do We Mean With These Words? 6-7