The policy summary, also known as Key Facts, contains the main policy information. It gives you the salient features of the policy, eligibility to claim on the cover, benefits and exclusions that you should be aware of and also outlines claims process.
Please see attached key facts
The policy wording, also known as the certificate of insurance, contains the policy terms & conditions and explains definitions, the insurance contract, exclusions and the support services we have in place for you. It also advises how to make changes or cancel your policy, plus explains how to make a claim.
Policy wordings for Accident, Sickness and Unemployment
Policy wordings for Accident and Sickness
Policy wordings for Unemployment
Initial Disclosure Document
Copies of both of these documents can be downloaded and printed off, and carefully read. If having gone through them, you have any queries, please call us and we will be delighted to help you.


