Pre-existing Condition and Conditions existing during the waiting period
Pre-existing Condition
The Company shall not pay benefit under this rider for chronic disease, illness (including complications) or injury that is not cured before the effective date of this rider, unless
1) The insured has declared to the Company’s acknowledgment and the Company agrees to accept the risk without imposing exclusions to the coverage, or
2) Chronic disease, injury or illness (including its complications) is asymptomatic and has not been treated or diagnosed by a physician, or has not been seen or consulted a physician within 5 years before the initial effective date of this rider, and within 3 years from the initial effective date of this rider.
Conditions existing during the waiting period
- Any illnesses which exist within 30 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest; or
- Illnesses due to the following diseases which exist within 120 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest.
- Tumors, cysts, or all types of malignancy/cancer
- All types of hernia
- Tonsillectomy or adenoidectomy
- Varicose vein- Hemorrhoid
- Pterygium or cataract
- All types of stone-Endometriosis
Warning: Buyers should understand the details, coverage and conditions before deciding to make insurance every time.
For more information: Call Tel. 1766 / foreign languages (English, Chinese and Japanese)
from Mondays - Fridays at 8.30 - 17.00 hrs.
Pre-existing Condition and Conditions existing during the waiting period
Pre-existing Condition
The Company shall not pay benefit under this rider for chronic disease, illness (including complications) or injury that is not cured before the effective date of this rider, unless
1) The insured has declared to the Company’s acknowledgment and the Company agrees to accept the risk without imposing exclusions to the coverage, or
2) Chronic disease, injury or illness (including its complications) is asymptomatic and has not been treated or diagnosed by a physician, or has not been seen or consulted a physician within 5 years before the initial effective date of this rider, and within 3 years from the initial effective date of this rider.
Conditions existing during the waiting period
- Any illnesses which exist within 30 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest; or
- Illnesses due to the following diseases which exist within 120 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest.
- Tumors, cysts, or all types of malignancy/cancer
- All types of hernia
- Tonsillectomy or adenoidectomy
- Varicose vein- Hemorrhoid
- Pterygium or cataract
- All types of stone-Endometriosis
Warning: Buyers should understand the details, coverage and conditions before deciding to make insurance every time.
For more information: Call Tel. 1766 / foreign languages (English, Chinese and Japanese)
from Mondays - Fridays at 8.30 - 17.00 hrs.