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These policy terms and conditions describe your rights and obligations under the policy. We recommend you take time to study them. You should read them along with the current list of benefits and membership certificate issued to the policyholder. If there is any part of the policy which you do not understand, please telephone us and we will be happy to clarify matters.

Please select the Terms & Conditions for the plan you wish to buy.

Terms & Conditions - Bronze

Terms & Conditions - Silver

Terms & Conditions - Gold

Please select the Policy Summary for the plan you wish to buy.

Policy Summary - Bronze

Policy Summary - Silver

Policy Summary - Gold

We strongly recommend that you read both the terms and conditions and the policy summaries before buying this product and print these out for future reference.