Terms and Conditions

You hereby acknowledge that you have read the Terms of Use, Product Disclosure Sheet and understood the policy terms and conditions stated in the master policy and wish to proceed with the purchase of this policy.

You must take reasonable care not to misrepresent when answering questions herein or in any request made by MSIG and check the information you have provided is complete and accurate. You should also disclose all relevant information which may influence MSIG in the acceptance of this insurance, decide the terms and the premium you will pay. If you do not take reasonable care and the information provided by you is incomplete or inaccurate, this may affect your claim. Your responsibility to provide complete and accurate information when requested by MSIG shall continue until the time of you entering into, making changes to or renewing your insurance. Unless renewed, the coverage will cease on expiry date and we shall strictly not be liable for any expenses that take place after the expiry date.

With respect to personal information submitted herein, you hereby consent to MSIG to process your personal information for the purpose of processing your application herein. Where applicable, you also confirm that you have obtained the consent from the person(s) named herein and that you are duly authorized to disclose their personal information herein. For more information our Privacy Policy, please read our Terms of Use. Kindly read our Privacy Notice atwww.msig.com.my for details.

Tax Clause

You are obligated to pay any applicable taxes (which include but not limited to service tax and stamp duty) imposed by the Malaysian tax authorities in relation to this Policy, with effective from 1^st September 2018.