The time limit during which an insurer may contest or challenge the validity of the policy due to fraud, suppression of material facts or misrepresentation in the application.
Yes. The medical report on Insured's current medical condition is necessary to prove continuity of disability. In the event that the covered person ceases to be totally and permanently disabled, the Company shall discontinue any further installment payments or waiver of premium, where applicable.
Yes, it is advisable to pay the premium until the claim has been approved. Excess premium will be refunded to you, if any.
Where a policy owner dies without having made a nomination, the Grant of Probate or Letter of Administration or Distribution Order will be required to distribute the policy moneys accordingly.
The claim form is available at our Branches and Customer Service Centres. You may contact your servicing agent or our customer service at 1 300 13 8888 for assistance.
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