want to know about the..... SKHPPA
(SKIM KEMASUKAN HOSPITAL & PEMBEDAHAN
Important Information on the Purchase of
In view of increasing Hospital &
Surgical charges, this scheme is specially designed by ZURICH Insurance Malaysia
Berhad to reduce financial burden of the Employers of
foreign workers in the event of hospital admission of their foreign workers due
to accident or illness.
TO PROSPECTIVE POLICY OWNERS
This page contains important information about
the SKHPPA. You should read all the information carefully to make sure that you
fully understand it and that it meets your needs. You are advised to read
through the list below which explains the essential features of the SKHPPA so that
you are able to make an informed decision before purchasing the policy.
- The benefits payable under the policy are
highlighted in the "Description of Benefits/Coverage".
- This is a yearly renewable plan, whereby
premiums and benefits are subject to review from time to time. Any changes
to benefits and premium can only be imposed by ZURICH Insurance Malaysia
Berhad on policy anniversary
with 30 days written notice based on the emerging claims experience of the
- Cover ceases from the time your foreign worker
leaves Malaysia and resumes upon his/her return to Malaysia.
PERIOD OF COVER AND RENEWAL
The policy shall become effective as of the date
stated in the Schedule. The Policy Anniversary shall be one (1) year after the
effective date and annually thereafter. On each such anniversary, the Policy is
renewable at the premium rates in effect at that time as notified by the
The policy is renewable at the option of the
Company. In relation to policies which will not be renewed, or for which renewal
is to be deferred, the Company shall notify the Policyholder / Insured Person of
its decision to decline or defer renewal, together with reasons where
appropriate, at least thirty (30) days before the policy anniversary date.
PRE-EXISTING ILLNESS shall be limited to
disabilities which existed before the effective date of cover and for which the
Insured Person should have reasonably been aware of. An Insured Person may be
considered to have reasonable knowledge of a pre-existing condition where the
condition is one for which:-
- the Insured Person had received or is
- medical advice, diagnosis, care or treatment
has been recommended;
- clear and distinct symptoms are or were
- its existence would have been apparent to a
reasonable person in the circumstances.
SPECIFIED ILLNESSES shall mean the
following disabilities and its related complications, occurring within the first
120 days of Insurance of the Insured Person:-
- All Cancers
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