Quotation

Duty of Disclosure
You should answer the questions asked by Us honestly, fully, and accurately. Failure to give answers that are full and accurate may result in Your policy being voided, a claim not being paid or reduced, or the terms of the policy being changed. You are advised to take reasonable care not to make any misrepresentation when answering any questions asked by Us. In addition to answering the questions in this proposal, You are also required to take reasonable care to tell us any matter which You know to be relevant to Our decision on whether to accept the risk or not and the rates and terms to be applied. You must inform us if there is any change to the information given in this proposal after You submitted this proposal but before the contract is entered into or varied. lf You do not understand Your duty as stated above or if You need any further explanation, You can contact Us.

1. I have read and understood the Product Disclosure Sheet(s) provided to me and I understand that the Product Disclosure Sheet is a summary of the main features of Tokio Marine Life’s product(s). The information contained in the Product Disclosure Sheets is intended for illustration purpose and does not constitute a contract of insurance. I shall refer to the policy document for full details of the terms and conditions of the respective products, including those outlined in the attachment(s) hereto.
2. I have read and understood the Duty of Disclosure and I declare that all details I have entered in this application are true, correct and complete and I have not withheld any important or relevant information to this application. In the event of non-disclosure during underwriting stage, Tokio Marine Life Insurance Malaysia Bhd. (TMLM) reserves the right to void the policy, reject or reduce a claim and/or change or vary the terms after system validation at TMLM.
3. I have read and understood TMLM's Privacy Policy and Data Protection Policy and agree to provide my consent for my personal data to be used for the purposes stated therein.

You are currently purchasing TokioMarine-TermDefender, TokioMarine-MedicDefender and TokioMarine-CriticalDefender. Please find your product summary below.

You are required to carefully read and answer the following questions to complete your purchase:

1. Are you aware that TokioMarine-TermDefender provides coverage/pays out benefits on the following?
   1. Death
   2. Total and Permanent Disability
   If you are unsure, click here for more information.

1. Are you aware that TokioMarine-TermDefender does not provide coverage/pay out benefit on the following
   1. Death or Total and Permanent Disability due to attempted suicide while sane or insane
   2. Death or Total and Permanent Disability due to self-inflicted injury
   3. Death or Total and Permanent Disability due to pre-existing conditions
   If you are unsure, and for more details on exclusions, terms and conditions, click here.

1. Are you aware that TokioMarine-MedicDefender provides coverage/pays out benefits on the following?
   1. Daily Hospitalisation Income
   2. Ambulance Fee Reimbursement
   3. Overseas Repatriation
   If you are unsure, click here for more information.

1. Are you aware that TokioMarine-MedicDefender does not provide coverage/pay out benefit on the following?
   1. Hospitalisation due to pre-existing conditions
   2. Hospitalisation due to specified illness during the first one hundred and twenty (120) days from the Issue Date or Reinstatement Date of the Policy
   3. Hospitalisation due to any medical or physical conditions arising prior or within the Waiting Period except for accidental injuries
   If you are unsure, and for more details on exclusions, terms and conditions, click here.

1. Are you aware that TokioMarine-CriticalDefender provides coverage/pays out benefits on the following?
   1. Critical Illness
   If you are unsure, click here for more information.

1. Are you aware that TokioMarine-CriticalDefender does not provide coverage/pay out benefit on the following?
   1. Critical Illness due pre-existing conditions
   2. Critical Illness due self-inflicted injury
   3. Critical Illness where the signs or symptoms of the Critical Illness is manifested prior to the Waiting Period
   If you are unsure, and for more details on exclusions, terms and conditions, click here.