Revision Notice (GEGM)

Dear Valued Customers,

Greetings from Great Eastern General Insurance (Malaysia) Berhad! We wish to inform you on the following list of revisions on product features, terms and conditions.

Revision Description	Effective Date
Revision to OCBC One Family Income Care Policy Wordings	15 September 2023
Revision to EasiMed Major Policy Wordings	15 September 2023
Revision to EasiMed Active Policy Wordings	15 September 2023
Revision to Easi HealthCare Policy Wordings	15 September 2023
Revision to Easi Health SME Policy Wordings	15 September 2023
Revision to Group Hospitalisation and Surgical Policy Wordings	15 September 2023
Revision to OCBC One Family Income Care Policy Wordings	15 November 2022

OCBC One Family Income Care (Effective 15 September 2023)

Section	Existing	Revision	Attachment
Definitions	NA	CANCER shall mean the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue for which major interventionist treatment or surgery (excluding endoscopic procedures alone) is considered necessary. The Cancer must be confirmed by histological evidence of malignancy. The following conditions are excluded: (a) Carcinorma in situ including of the cervix; (b) Ductal Carcinorma in situ of the breast; (c) Papillary Carcinorma of the bladder and Stage 1 Prostate Cancer; (d) All skin Cancers except malignant melanoma; (e) Stage 1 Hodgkin's disease; (f) Tumours manifesting as complications of AIDS. It is a specific condition of this benefit that notwithstanding the exclusion of Pre-existing Illness, this benefit will not be payable to any Insured Person and Dependant who had been diagnosed as a Cancer patient and/or was receiving Cancer treatment prior to the Effective Date of Insurance.	N/A
Special Provisions	(1) ELIGIBILITY To be eligible for this Policy, the following eligibility requirements must be met:- (a) the Policyholder must be aged between eighteen (18) years next birthday and sixty-five (65) years next birthday at the time of application and renewal up to eighty (80) years next birthday; (b) the Policyholder’s Spouse must be aged between eighteen (18) years next birthday and sixty-five (65) years next birthday at the time of application and renewal up to eighty (80) years next birthday, unless legally separated from the Policyholder; (c) the Policyholder’s Child must be aged between thirty (30) days to eighteen (18) years next birthday or twenty–three (23) years next birthday if attending tertiary education, who is unmarried, unemployed and wholly dependent on the Policyholder for support; (d) the Insured Persons must be citizens of Malaysia or permanent residents of Malaysia; (e) the Policyholder must be a retail customer of OCBC Bank.	(1) ELIGIBILITY To be eligible for this Policy, the following eligibility requirements must be met:- (a) the Policyholder must be aged between nineteen (19) years next birthday and sixty-five (65) years next birthday at the time of application, which is renewable up to eighty (80) years next birthday; (b) the Policyholder’s Spouse must be aged between nineteen (19) years next birthday and sixty-five (65) years next birthday at the time of application, which is renewable up to eighty (80) years next birthday, unless legally separated from the Policyholder; (c) the Policyholder’s Child must be aged between thirty (30) days to eighteen (18) years next birthday or twenty–three (23) years next birthday if attending tertiary education, who is unmarried, unemployed and wholly dependent on the Policyholder for support; (d) the Insured Persons must be citizens of Malaysia or permanent residents of Malaysia; (e) the Policyholder must be a retail customer of OCBC Bank.	N/A
General Conditions Applying To The Whole Policy	This Policy, Policy Schedule and Annexures shall be read together as one contract and any words or expressions to which a specific meaning has been attached in any part of this Policy, Policy Schedule or the Annexure shall bear such specific meaning wherever it may appear.	This Policy and Policy Schedule shall be read together as one contract and any words or expressions to which a specific meaning has been attached in any part of this Policy or Policy Schedule shall bear such specific meaning wherever it may appear.	N/A
General Conditions Applying To The Whole Policy	(23) INCOMPLETE CLAIMS Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.	(23) INCOMPLETE CLAIMS Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.	N/A
General Conditions Applying To The Whole Policy	(25) LEGAL PROCEEDINGS The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	(25)LEGAL PROCEEDINGS After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	N/A

EasiMed Major (Effective 15 September 2023)

Section	Existing	Revision	Attachment
Special Provisions	(1) PERSON ELIGIBLE Persons eligible to be covered under this Policy are: - (I) the Policyholder aged below sixty-five (65) years of age, renewable up to age hundred (100) years old; (II) the Policyholder’s legal spouse aged below sixty-five (65) years of age, renewable up to one hundred (100) years old, unless legally separated from the Policyholder; (III) the Policyholder’s unmarried children who are aged above thirty (30) days but under nineteen (19) years of age or twenty-three (23) years of age if still on fulltime higher education, and who are not gainfully employed; (IV) citizen of Malaysia or permanent residents of Malaysia.	(1) PERSON ELIGIBLE Persons eligible to be covered under this Policy are: - (I) the Policyholder aged between eighteen (18) years next birthday and sixty-five (65) years of age next birthday, which is renewable up to age hundred (100) years old next birthday; (II) the Policyholder’s legal spouse aged up to sixty-five (65) years of age next birthday, which is renewable up to one hundred (100) years old next birthday, unless legally separated from the Policyholder; (III) the Policyholder’s unmarried children who are aged above thirty (30) days but under nineteen (19) years of age next birthday or up to twenty-three (23) years of age next birthday if still on fulltime higher education, and who are not gainfully employed; (IV) citizen of Malaysia or permanent residents of Malaysia.	N/A
Special Provisions	(2) PREMIUM The Company may at its discretion to impose premium loading on the occupation, medical condition and etc. of an Insured Person.	(2) PREMIUM The Company may impose premium loading on the occupation, medical condition and etc. of an Insured Person.	N/A
General Conditions	This Policy, Policy Schedule and Annexures shall be read together as one contract and any words or expressions to which a specific meaning has been attached in any part of this Policy, Policy Schedule or the Annexure shall bear such specific meaning wherever it may appear.	This Policy and Policy Schedule shall be read together as one contract and any words or expressions to which a specific meaning has been attached in any part of this Policy or Policy Schedule shall bear such specific meaning wherever it may appear.	N/A
General Conditions	(25) INCOMPLETE CLAIMS Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.	(25) INCOMPLETE CLAIMS Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.	N/A
General Conditions	(28) LEGAL PROCEEDINGS The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	(28) LEGAL PROCEEDINGS After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	N/A

EasiMed Active (Effective 15 September 2023)

Section	Existing	Revision	Attachment
Special Provisions	(1) ELIGIBILITY To be eligible for this Policy, the following eligibility requirements must be met:- (a) the Policyholder must be aged between eighteen (18) years next birthday and below forty (40) years next birthday at the time of application and renewal up to eighty (80) years next birthday; (b) the Policyholder’s Spouse must be aged between eighteen (18) years next birthday and below forty (40) years next birthday at the time of application and renewal up to eighty (80) years next birthday, unless legally separated from the Policyholder; (c) the Policyholder’s Child must be aged between thirty (30) days to eighteen (18) years next birthday or twenty–three (23) years next birthday if attending tertiary education, who is unmarried, unemployed and wholly dependent on the Policyholder for support; (d) the Insured Persons must be citizens of Malaysia or permanent residents of Malaysia.	(1) ELIGIBILITY To be eligible for this Policy, the following eligibility requirements must be met:- (a) the Policyholder must be aged between eighteen (18) years next birthday and forty (40) years next birthday at the time of application, which is renewable up to eighty (80) years next birthday; (b) the Policyholder’s Spouse must be aged between eighteen (18) years next birthday and forty (40) years next birthday at the time of application, which is renewable up to eighty (80) years next birthday, unless legally separated from the Policyholder; (c) the Policyholder’s Child must be aged between thirty (30) days to eighteen (18) years next birthday or twenty–three (23) years next birthday if attending tertiary education, who is unmarried, unemployed and wholly dependent on the Policyholder for support; (d) the Insured Persons must be citizens of Malaysia or permanent residents of Malaysia.	N/A
Special Provisions	(2) PREMIUM We may at Our discretion, impose premium loading based on the occupation, medical condition and etc. of an Insured Person.	(2) PREMIUM We may impose premium loading based on the occupation, medical condition and etc. of an Insured Person.	N/A
General Conditions Applying To The Whole Policy	This Policy, Policy Schedule and Annexures shall be read together as one contract and any words or expressions to which a specific meaning has been attached in any part of this Policy, Policy Schedule or the Annexure shall bear such specific meaning wherever it may appear.	This Policy and Policy Schedule shall be read together as one contract and any words or expressions to which a specific meaning has been attached in any part of this Policy or Policy Schedule shall bear such specific meaning wherever it may appear.	N/A
General Conditions Applying To The Whole Policy	(25) INCOMPLETE CLAIMS Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.	(25) INCOMPLETE CLAIMS Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.	N/A
General Conditions Applying To The Whole Policy	(27) LEGAL PROCEEDINGS The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	(27) LEGAL PROCEEDINGS After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	N/A

Easi HealthCare (Effective 15 September 2023)

Section	Existing	Revision	Attachment
Special Provisions	(1) PERSON ELIGIBLE Persons eligible to be covered under this Policy are: - (I) the Policyholder aged below sixty-five (65) years of age, renewable up to age eighty-five (85). (II) the Policyholder’s legal spouse aged below sixty-five (65) years of age, renewable up to eighty-five (85) years, unless legally separated from the Policyholder; (III) the Policyholder’s unmarried children who are aged above 30 days but under 19 years of age or twenty-three (23) years of age if still on fulltime higher education, and who are not gainfully employed. (IV) citizen of Malaysia or permanent residence of Malaysia.	(1) PERSON ELIGIBLE Persons eligible to be covered under this Policy are: - (I) the Policyholder aged up to (65) years of age next birthday, which is renewable up to eighty-five (85) years of age next birthday. (II) the Policyholder’s legal spouse aged up to sixty-five (65) years of age next birthday, which is renewable up to eighty-five (85) years of age next birthday, unless legally separated from the Policyholder; (III) the Policyholder’s unmarried children who are aged above thirty (30) days but under nineteen (19) years of age next birthday or up to twenty-three (23) years of age next birthday if still on fulltime higher education, and who are not gainfully employed. (IV) citizen of Malaysia or permanent residence of Malaysia.	N/A
Special Provisions	(2) PREMIUM The Company may at Our discretion, impose premium loading based on the occupation, medical condition and etc. of an Insured Person	(2) PREMIUM The Company may impose premium loading based on the occupation, medical condition and etc. of an Insured Person.	N/A
General Conditions Applying To The Whole Policy	(27) INCOMPLETE CLAIMS Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us. Any variation or waiver of the foregoing shall be at the Company's discretion.	(27) INCOMPLETE CLAIMS Claims are not deemed complete and benefits are not payable unless all bills for such claims have been submitted and agreed upon by Us.	N/A
General Conditions Applying To The Whole Policy	(29) LEGAL PROCEEDINGS The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	(29) LEGAL PROCEEDINGS After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	N/A

Easi Health SME (Effective 15 September 2023)

Section	Existing	Revision	Attachment
Definitions	4. “Child” shall mean any person who has attained the age of thirty (30) days and is an unmarried person, is financially dependent upon the Insured and is under the age of nineteen (19), or up to the age of twenty-three (23) for those registered as full time students at a recognized educational institution.	4. “Child” shall mean any person who has attained the age of thirty (30) days and is an unmarried person, is financially dependent upon the Insured and is under the age of nineteen (19) years age of next birthday, or up to the age of twenty-four (24) next birthday for those registered as full time students at a recognized educational institution.	N/A
Special Provisions	2. Persons Eligible a) the Policyholder’s full-time permanent employees below sixty (60) years of age and renewable up to seventy (70) years of age at next birthday. b) the Employee’s Dependents Dependents may only be included in the Policy upon the date the employee becomes eligible. The spouse of a newly married employee becomes eligible on the date of his/ her marriage to the employee already covered. A new born child becomes eligible on the thirtieth (30th) day following the date of its birth.	2. Persons Eligible a) the Policyholder’s full-time permanent employees not exceeding sixty (60) years of age next birthday and renewable up to seventy (70) years of age next birthday. b) the Employee’s Dependents Dependents may only be included in the Policy upon the date the employee becomes eligible. The spouse of a newly married employee becomes eligible on the date of his/ her marriage to the employee already covered. A new born child becomes eligible on the thirtieth (30th) day following the date of its birth.	N/A
General Conditions Applying To The Whole Policy	26. INCOMPLETE CLAIMS Claims are not deemed complete and Eligible Benefits are not payable unless all bills for such claims have been submitted and agreed upon by the Company. Only actual costs incurred shall be considered for reimbursement. Any variation or waiver of the foregoing shall be at the Company's sole discretion.	26. INCOMPLETE CLAIMS Claims are not deemed complete and Eligible Benefits are not payable unless all bills for such claims have been submitted and agreed upon by the Company. Only actual costs incurred shall be considered for reimbursement.	N/A
General Conditions Applying To The Whole Policy	28. LEGAL PROCEEDINGS The acceptance of such proof of loss shall be at Our discretion. After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	28. LEGAL PROCEEDINGS After such grace period has expired, We will not accept, for any reason whatsoever, such written proof of loss.	N/A

Group Hospitalisation and Surgical (Effective 15 September 2023)

Section	Existing	Revision	Attachment
Definitions	3. “Employee’s Dependents” shall mean:- (a) a legally married spouse (b) unmarried children over 30 days old but under nineteen (19) years of age or twenty-four (24) years of age if still on full-time higher education, and who are not gainfully employed. 4. “Child” shall mean any person who has attained the age of 30 days and is an unmarried person, is financially dependent upon the Insured and is under the age of 19, or up to the age of 23 for those registered as full time students at a recognized educational institution.	3. “Employee’s Dependents” shall mean:- (a) a legally married spouse (b) unmarried children over 30 days old but under nineteen (19) years of age next birthday or up to twenty-four (24) years of age next birthday if still on full-time higher education, and who are not gainfully employed. 4. “Child” shall mean any person who has attained the age of 30 days and is an unmarried person, is financially dependent upon the Insured and is under the age of 19 years next birthday, or up to the age of 24 years next birthday for those registered as full time students at a recognized educational institution.	N/A
Conditions	27. INCOMPLETE CLAIMS All claims must be submitted to the Company within 30 days of completion of the events for which the claim is being made. Claims are not deemed complete and Eligible Benefits are not payable unless all bills for such claims have been submitted and agreed upon by the Company. Only actual costs incurred shall be considered for reimbursement. Any variation or waiver of the foregoing shall be at the Company's sole discretion.	27. INCOMPLETE CLAIMS All claims must be submitted to the Company within 30 days of completion of the events for which the claim is being made. Claims are not deemed complete and Eligible Benefits are not payable unless all bills for such claims have been submitted and agreed upon by the Company. Only actual costs incurred shall be considered for reimbursement.	N/A
General Conditions Applying To The Whole Policy	29. LEGAL PROCEEDINGS No action at law or in equity shall be brought to recover on this Policy prior to expiration of sixty (60) days after written proof of loss has been furnished in accordance with the requirements of this Policy. If the Insured Person shall fail to supply the requisite proof of loss as stipulated by the terms, provisions and conditions of the Policy, the Insured Person may, within a grace period of one calendar year from the time that the written proof of loss to be furnished, submit the relevant proof of loss to the Company with cogent reason(s) for the failure to comply with the Policy terms, provisions and conditions. The acceptance of such proof of loss shall be at the sole and entire discretion of the Company. After such grace period has expired, the Company will not accept, for any reason whatsoever, such written proof of loss.	29. LEGAL PROCEEDINGS No action at law or in equity shall be brought to recover on this Policy prior to expiration of sixty (60) days after written proof of loss has been furnished in accordance with the requirements of this Policy. If the Insured Person shall fail to supply the requisite proof of loss as stipulated by the terms, provisions and conditions of the Policy, the Insured Person may, within a grace period of one calendar year from the time that the written proof of loss to be furnished, submit the relevant proof of loss to the Company with cogent reason(s) for the failure to comply with the Policy terms, provisions and conditions. After such grace period has expired, the Company will not accept, for any reason whatsoever, such written proof of loss.	N/A

OCBC One Family Income Care (Effective 15 November 2022)

Section	Existing	Revision	Attachment
Schedule of Benefits	Benefit 2- Admission Recuperation Allowance is payable for hospitalisation of more than three (3) consecutive days.	Benefit 2 – Admission Recuperation Allowance is payable for hospitalisation as an patient for a minimum of four (4) consecutive days or more for treatment of a covered injury, sickness or illness.	N/A
General Conditions Applying To The Whole Policy	Claims procedures –You shall within thirty (30) days of a Disability that incurs claimable expenses, give written notice to Us stating full particulars of such event, including all original bills and receipts, and a full Medical Practitioner’s report stipulating the diagnosis of the condition treated and the data the Disability commenced in the Medical Practitioner’s opinion and the Medical Practitioner’s summary of the cost of treatment including medicines and services rendered.	Claims procedures – You shall within thirty (30) days of a Disability that incurs claimable expenses, give written notice to Us stating full particulars of such event, including scanned or photocopy of all original bills and receipts, and a full Medical Practitioner’s report stipulating the diagnosis of the condition treated and the date the Disability commenced in the Medical Practitioner’s opinion and the Medical Practitioner’s summary of the cost of treatment including medicines and services rendered.	N/A
Description of Benefits	NA	Description of benefits – Day shall refer to the daily room and board charge by the Hospital for an overnight stay. Consecutive days shall mean days following one after the other without an interruption resulting from a discharge.	N/A

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