Coverage and Benefits

Waiting Period

1. Any illnesses occurring within 30 days following the date on which this contract is issued or reinstated, whichever is later.
2. The following illnesses occurring within 120 days following the date on which this contract is issued or reinstated, whichever is later:

• Hernia
• Pterygium or Cataract
• Tonsillectomy or Adenoidectomy
• Endometriosis

Some Exclusions of Health Happy Rider

1. The Insured is under surgical or other treatment for the purposes of cosmetic, skincare, acne, melasma, freckle, dandruff, hair loss or weight loss, or an optional surgery; however, the cosmetic surgery to address wounds suffered from an accident under the policy contract will be covered.
2. Pregnancy, miscarriage, abortion, child delivery, obstetric complications, solutions to infertility problems (including investigations and treatments), sterilization and contraception except for Choriocarcinoma.
3. Standard health examination, inpatient hospitalization request or surgery request, recovery after hospitalization whether for rehabilitation or resting or staying in hospital to get medical assistance, examination or treatment which is non-related to an illness which is a cause of hospitalization, injury or illness diagnosis, treatment or examination to investigate cause of disease which is not a medical necessity or does not meet medical standards.
4. Other treatments besides conventional medicine including alternative medicine.
5. Suicide, attempted suicide, self-harm or attempted self-harm either inflicted by the Insured or by other people with consent of the Insured whether sane or insane, including injuries caused by accidents after consuming or injecting toxic drugs or substances into the body, or overdoses of prescription drugs.

Requirements

• Insurable age: 11 - 75 years
• Coverage period⁶: Until the age of 99
• Premium payment period⁶: Until the age of 99
• Sum assured: 1 MB / 5 MB / 15 MB / 25 MB
• Payment mode: Annually / Semi-annually / Quarterly / Monthly
  (If the premium is paid monthly, the first payment will include an advanced payment of two months.)

⁶One-year coverage period and one-year premium payment period. The Insured can renew the contract by not exceeding the maximum coverage period of this rider. The Company’s conditions apply to insurance approval.

Premium Rates

Standard annual premium rates (depending on gender, age, payment mode, and insurance plan).
 

 
*Premium rates from 76 to 98 years are applicable for only during the renewal year.
 

A rider is a one-year insurance contract that is renewable. To renew this rider, the Company reserves the right to change the Insuring Agreement, such as adding a Copayment condition according to the rate and criteria as specified in the rider contract and reserves the right to adjust the premium rate in a policy year due to various factors such as age, occupational class, historical claim payments of the Company, etc. For medical riders, there may be other factors such as higher medical expenses or historical claim payments of the portfolio. Such adjustment of premium rate is subject to approval of the Registrar.