Underwriting Guidelines

For Personal
Medical Examination:
≤ ANB 16
≥ ANB 46

GA ≥ 32 weeks (8 months) would be postponed upfront
怀孕超过 32周（8个月）将延迟

• Best Case :
– Standard terms for all coverage
– subject to favourability of underwriting requirements

• Worst Case :
– Postponed

For Smart Baby Shield
Mother AGE: 19 – 45 next birthday
Prenatal Child: 13 – 35 weeks of gestational period

– Asthma Questionnaire from Life-to-be Assured
– Asthma Questionnaire from attending doctor
– Lung function test (if deemed necessary)

Case of asthma
– with last attack more than 2 years ago
– AND currently is off treatment/ medication
– may be accepted as standard

•Best Case :
– Standard terms for all coverage
– subject to favourability of underwriting requirements

•Worst Case :
– Declined

– Gastric Questionnaire
– All relevant investigation reports
– Urea Breath Test (UBT) (if deemed necessary)
– MAR from attending doctor(if deemed necessary)

Case of gastritis/ gastric or duodenal ulcer/ GERD (single episode)
– with last attack more than 2 years ago
– AND currently is off treatment/medication
– may be Accepted as Standard

•Best Case :
Last attack below 2 years will Exclusion H&S. 
Standard terms for all coverage
subject to favourability of underwriting requirements

•Worst Case :
Postponed

– MAR from attending doctor(if deemed necessary)
– All relevant investigation reports
– GE8

•Best Case :
– Standard terms for Life/ TPD
– with loading on DD/ H&S
– subject to favourability of underwriting requirements

•Worst Case :
– Postponed

– GE8
– MAR from attending doctor (if deemed necessary)
– All relevant investigation reports

Best Case :
Female
– Standard terms for Life/ TPD/ DD
– Loading on H&S

Male
– Standard terms for Life/ TPD
– Loading on DD/ H&S

subject to favorability of underwriting requirements

Worst Case :
– Declined

– GE8
– MAR from attending doctor (if deemed necessary)
– All relevant investigation reports

• Best Case :
– Loading on Life/ TPD/ DD
– H&S declined

subject to favourability of underwriting requirements

• Worst Case :
Declined

– Underwriting based on client’s declaration

Case of gallstone/ biliary stone
– with operation done and is fully recovered
– may be accepted as standard

Best Case :
Standard terms for all coverage
subject to favourability of underwriting requirements

Worst Case :
Loading on Life/ TPD/ DD with exclusion on H&S

– Underwriting based on client’s declaration
– All relevant investigation reports
– MAR from attending doctor(if deemed necessary)
– UFEME (if deemed necessary)

Case of urinary/ kidney stone (single episode)
– more than 3 years ago and is fully recovered
– may be accepted as standard

•Best Case :
Standard terms for all coverage
subject to favourability of underwriting requirements

•Worst Case :
Only Life coverage to Declined

– Underwriting based on client’s declaration
– ME (if deemed necessary)

Case of cataract (single episode)
– with operation done more than 1 year ago
– and is fully recovered with normal vision
– may be accepted as standard

•Best Case :
Standard terms for all coverage
subject to favourability of underwriting requirements

•Worst Case :
Standard terms for Life
with exclusion on DD/ H&S
and declined TPD

– Underwriting based on client’s declaration

Case of tonsillitis (single episode)
– more than 1 year ago and is fully recovered
– may be accepted as standard

• Best Case :
Standard terms for all coverage
subject to favourability of underwriting requirements

• Worst Case :
-Standard terms for Life/TPD/ DD
-with exclusion on H&S

– Underwriting based onclient’s declaration
– MAR from attending doctor with all relevant investigation reports (if deemed necessary)

Case of sinusitis (single episode)
– with operation done
– more than 2 years ago and is fully recovered
– may be accepted as standard

•Best Case :
– Standard terms for all coverage
– subject to favourability of underwriting requirements

•Worst Case :
– Standard terms for Life/ TPD/ DD
– with exclusion on H&S

– MAR from attending doctor(if deemed necessary)
– GE13

Case of thalassemia minor or trait
– without history of anaemia or symptoms
– may be accepted as standard

Terms would depend on the type of thalassemia (major or minor)

-MAR from attending doctor(if deemed necessary)
-GE13

Terms would depend on the cause of anaemia

Case of piles/ haemorrhoid
– with operation done and is fully recovered
– may be accepted as standard

•Best Case :
– Standard terms for all coverage
– subject to favourability of underwriting requirements

•Worst Case :
– Loading on DD
– with exclusion on H&S

– Underwriting based on client’s declaration

Case of hernia
– with operation done and is fully recovered
– may be accepted as standard

•Best Case :
– Standard terms for all coverage
– subject to favourability of underwriting requirements

•Worst Case :
– Loading on DD with exclusion on TPD/ H&S

– MAR from attending doctor
– All relevant investigation reports

Case of SLE
– within 1 year of diagnosis would be postponed upfront

• Best Case :
– Only Life coverage
– subject to favourability of underwriting requirements

• Worst Case :
– Declined

– MAR from attending doctor
– All relevant investigation reports

Case of rheumatoid arthritis
– with systemic involvement would be declined upfront

•Best Case :
– Loading on Life/ DD
– with exclusion on TPD/ H&S
– subject to favourability of underwriting requirements

•Worst Case :
-Only Life coverage to Declined

– ME
– GE14
– MAR from attending doctor with all relevant investigation reports (if deemed necessary)

•Best Case :
– Standard terms for Life/ TPD/ DD
– with exclusion or loading on H&S
– subject to favourability of underwriting requirements

•Worst Case :
– Only Life coverage to Declined

– Underwriting based onclient’s declaration
– MAR from attending doctor with all relevant investigation reports (if deemed necessary)

Case of minor accidental injuries (abrasion/ laceration/ sprained)
– without history of admission and is fully recovered
– may be accepted as standard

Case of fracture (exclude back, neck or skull)
– with implant removed and is recovered without complications/ residuals
– may be accepted as standard

Case of fracture (exclude back, neck or skull)
– without implant OR history of admission and is recovered without complications/ residuals
– may be accepted as standard

Terms would depend on the type of fractures and affected bone/ joint

– Required to reside in Malaysia for a minimum of 6 months prior to application.

– Applicant employed by multinational corporation

– Malaysia My Second Home (MM2H) applicant(s)

– Married to Malaysian 

– Copies of passport**/ travel documents containing:
   (a) personal particulars and
   (b) the relevant entry stamp to the country as proof of valid entry and stay at time of submitting and signing proposal forms OR entry permit
(**the validity of passport is not less than 6 months from application date)

– Must be having a Malaysian residential address

– Foreign Life Questionnaire to be completed by the Life-to-be Assured

– Medical requirements based on age and sum assured (NML – Schedule of Medical Requirements)

– Blood test (subject to country of origin – HIV High Risk Countries)

– Valid entry permit

If applicant(s) form High Risk Country , company will decline the case.
For High Risk Country list, kindly check to the underwriting guidelines.