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A waiting period of 15 days from the effective date of the policy is applicable to Hospital Cash Subsidy, Clinical Benefits, Hospitalization and Surgical Benefits, Dental Expenses and Critical Illness Medical Top-Up Benefit (unless the critical illness is solely and directly caused by an accident and has arisen within 90 days of such incident). and a waiting period of 12 months from the effective date of the policy is applicable to Additional Hiring Allowance for Domestic Helper's Maternity in respect of the date of conception of the overseas domestic helper. No insurance will be effected until this application is approved and premium is collected, no refund of premium is allowed once the insurance has been effected.If you are already insured but do not wish to pay the recurring payment, due to endorsement or renewal by means of your credit card account, please contact us.

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