1) The above is a simplified description of the product  features. This is not a contract of insurance. The precise terms and conditions of the policy, including exclusions whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract. 2) You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with  switching. A penalty may be imposed for early policy termination and the new policy may cost more or have less benefits at the same cost.
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