Subject to the benefits and extensions applicable to this Policy, we will not pay the benefits if the death or injury is directly or indirectly caused by or resulted from or traceable to: 

1) General Exclusions :

• War related risks
• HIV and/or HIV related illness (except specifically mentioned under LadyPlus Add On)
• Childbirth, pregnancy, miscarriage or any complications (thereof not applicable if LadyPlus Add On is selected)
• Pre-existing physical or medical conditions, physical or mental defects or infirmity
• Self-inflicted injury and provoked murder or assault
• Suicide or attempted suicide
• Illegal or dangerous activities or sports
• Nuclear, chemical or biological terrorism

2) Exclusion for Add-On Benefits:

SportPlus

• Professional or semi-professional sports
• Benefit 2 - Claims involving family members, own property, business activities, intentional acts, contractual liabilities, vehicles & hazardous items, communicable diseases, and fines or penalties
• Benefit 3,4 & 5

- Voluntary cancellations

- Refundable fees or costs by the organiser or facility

Applicable to Benefit 5 only

- Temporary gym closure, relocation or renovation

- Advance notice of permanent closure

• Benefit 6

- Unattended items

- Theft occurring outside the sports facility

- Loss due to negligence

- Unexplained losses

• Benefit 7

- Malicious damage

- Damage occurring outside the sports facility

CommutePlus

• Benefit 1 - Losses that can be recovered from financial institutions or other sources
• Benefit 3

- Alternative transportation is provided within 3 hours of disruption

- Delays caused by scheduled maintenance or upgrading works

- Applicable to KTM, ETS, KLIA Transit and KLIS Express only

- Failure to check in

- Delays known at least 24 hours before departure

LadyPlus

• Benefit 2

- Aged 45 years old or older at the time of conception

- Death occurring more than 30 days after childbirth

- Elective abortion or termination

• Benefit 3

- HIV infection occurring more than 12 months after the blood transfusion

- Blood transfusion not admitted as the hospital's liability

- Hemophiliacs or members of high-risk groups

• Benefit 5

- No report made to company management and police within 30 days, or failure to assist in the punishment of the perpetrator

- No legal proceedings initiated within 6 months of the incident

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions.

The Insured Person must be aged not less than fifteen (15) days up to the age of sixty-five (65) years. Renewal is available up to eighty (80) years old. 

This page is for general information only. It is not a contract of insurance. You are advised to refer to the Product Disclosure Sheet for detailed important features and benefits of the plan before purchasing the plan. For further information, reference shall be made to terms and conditions specified in the Policy Contract issued by GEGM.

The terms "GEGM" and "We" shall refer to Great Eastern General Insurance (Malaysia) Berhad.

Great Eastern General Insurance (Malaysia) Berhad (102249-P) is licensed under the FInancial Services Act 2013 and is regulated by Bank Negara Malaysia.

Should you require any further product information, you may call us at 1300-1300 88 (press “2” for General Insurance).

Alternately, you may email us at gicare-my@greateasterngeneral.com.