^1. The Insured may file a claim for any Major Critical Illness (other than Cancer) or Early Stage Disease that occurs after 60 days from the Effective Date of Coverage or the approval date of reinstatement, whichever is later; while for the coverage of Cancer, a 1-year waiting period is applied. Please refer to the product brochure for Critical Illness Benefit payable on Cancer.
^2. For the coverage on Carcinoma-in-situ / Early Stage Cancers, there is a 1-year waiting period (from the Effective Date of Coverage or the approval date of reinstatement, whichever is later). Please refer to the product brochure for Critical Illness Benefit payable.
^3. Once insured, the premiums will not increase as the age of the Insured increases or the Insured has filed a claim. However, the Company reserves the right to change the renewal premium on each renewal for all Insureds of the same risk class by giving 30 days’ notice in writing prior to the policy anniversary.

^4. Our office issuing the Policy must receive reasonable and necessary proof that the Insured survives in a written form satisfactory to us before the relevant Cancer Income Benefit becomes payable every year. We reserve the right to require you to provide any additional proof and documents in support of the claim. The Cancer Income Benefit will automatically cease on the earlier of (i) the death of the Insured, and (ii) total number of annual payments under Cancer Income Benefit paid or payable has reached 10 years of payments. If the Insured is diagnosed with a Cancer within 1 year following the Effective Date of Coverage or the approval date of reinstatement, whichever is later, no Cancer Income Benefit shall be payable. If the Insured is diagnosed with a Cancer during the 2nd or 3rd policy year, any Cancer Income Benefit shall be reduced to 2.5% of the Basic Sum Insured every year, which shall satisfy the Company’s liability for the payment of the Cancer Income Benefit. Please refer to the product brochure for Cancer Income Benefit payable.
^5.The consultation fee including any diagnostic tests and treatments are not covered under Experimental Drugs Benefit. This benefit will only reimburse the actual expenses to the extent such expenses are not paid or payable under any government law or any other insurance policies or by any other institutions. If the Insured is diagnosed with a Cancer within 1 year following the Effective Date of Coverage or the approval date of reinstatement, whichever is later, no Experimental Drugs Benefit shall be payable. Please refer to the product brochure for Experimental Drugs Benefit payable.
^6. Mentally incapacitated person means a person who is incapable, by reason of mental incapacity, of managing and administering his/her property and affairs. The diagnosis of mental incapacity must be given by 2 registered medical practitioners who are psychiatrists or neurologists. The Company will process the instruction when the proof of diagnosis as a permanently mentally incapacitated person, Apallic Syndrome, Brain Damage / Loss of Independent Existence, Coma or Severe Dementia of the Policy Owner is received. The designated person will receive any payment of Critical Illness Benefit and / or Cancer Income Benefit and / or Experimental Drugs Benefit under the Policy.

^7. Net of Policy Debt (if any).