Max Guard

• UOB customers & spouse between the age of 18 to 60 years old, 6 months - 18 years of age for children (up to 25 years old if studying full-time).
• Easy enrolment for all Malaysians and permanent residents.
• No medical examination needed.
• Class 3 occupation (engaging in manual work) eligible for Plan A only.
• Policy renewable up to age 75 years.
• Premium at enrolment stays unchanged from the inception date.
• Cash Back Renewal Bonus – 15% on premium paid upon renewal subject to No Claim on previous policy and current policy is still in force.
• Maximum 1 policy active per insured person.

* 15% of the premium paid will be refunded upon renewal of the policy subject there isn't any claim in the previous policy period, and the policy is still in force.

Duration of cover is for one year as stated in the Certificate of Insurance. You need to pay the insurance cover on a monthly basis via credit/ debit card instruction.

Note:
- Protection from age 18 – 60 years with renewal up to 75 years old.
- Occupation Class 3 – enroll Plan A only.
- This premium amount is before Service Tax.

• Caused by war, invasion, act of foreign enemy hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.
• Any form of disease, infection or parasites and Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) or Human Immunodeficiency Virus Infection (HIV).
• Caused or contributed by

1. suicide or intentional self-injury.
2. pre-existing medical conditions, mental disorder or physical infirmity.
3. pregnancy or childbirth unless caused solely and directly by the Accident.
4. AIDS or any related diseases, immunodeficiency disorder or tested positive on an Aids-related blood test.
5. having taken a drug, unless you prove that the drug was taken in accordance with proper medical prescription and directions, and not for treatment of drug addiction.
6. mental or nervous disorders or treatment of alcoholism or intoxication.
7. cosmetic or plastic surgery or any elective surgery or congenital anomalies.
8. dental disease, dental care or surgery.
9. treatment for obesity/weight related improvement.
10. general check-up, convalescence, custodial or rest cure.
11. any sexually transmitted diseases.
12. while committing or attempting to commit any unlawful act.
13. Insured Person does not have a valid driving license to drive the Vehicle. This will not apply if Insured Person has an expired license but is not disqualified from holding or obtaining such driving license under any existing laws, by-laws and regulations.

• caused or contributed by injury arising from engaging in (or practicing for or taking part in training peculiar to:-

1. racing of any kind (other than on foot) or trial of speed or reliability.
2. mountaineering or rock or cliff climbing necessitating the use of ropes or guides.
3. hang gliding
4. parachuting
5. winter sports