No, this policy is not a medical card hence the customer will not be covered for medical and hospital treatments. However, there is a hospitalization benefit (hospital income) included under this policy whereby the customer may claim up to RM60 daily hospital cash allowance for up to 500 days per lifetime.

Yes, there are underwriting requirements for GMBIS:

• Normal Period: Applicants need to answer 4 underwriting questionnaires.
• Guaranteed Promotion Period: No underwriting questions are required*.

However, please note that the Great Eastern Life Assurance underwriting team reserves the right to review and reject applications if there are pre-existing illness records, a history of claims, or if the free coverage limit is exceeded. We aim to make the process as smooth as possible while ensuring fair evaluations.

The payout for the coverage will be payable as long as the claim submitted meets the definition of the covered events included in this policy.

The company will pay full death benefit due to suicide occurring after twelve(12) months from the commencement of the assurance. The policy does not cover for suicide within (12) months from the commencement of the assurance.

Policyholders will receive a total sum of their premium contribution for all claims(pre-existing conditions) received within 2 years from the policy in-force date. No other claim amount will be payable except for the hospitalization income benefit(non pre-existing conditions) which is payable in accordance to the Master Policy Contract. This will be effective with immediate effect and applicable for all policyholders.

Yes, the customer will still be covered under the insurance plan even though the withdrawal is activated. However, this is not encouraged as it may affect the overall investment value of the scheme.