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 PAYOR COVER
  ALL FUTURE PREMIUM WILL BE WAIVED UPON DIAGNOSIS OF THE FOLLOWING
01. AIDS* 19. Loss of Hearing/ Deafness
02. Alzheimer's Disease/Irreversible Organic  
      Degenerative Brain Disorder
20. Loss of Independent Existence
03. Apallic Syndrome 21. Loss of Speech
04. Aplastic Anaemia 22. Major Burns
05. Bacterial Meningitis 23. Major Head Trauma
06. Benign Brain Tumor 24. Major Organ Transplantation
07. Blindness 25. Medullary Cystic Disease
08. Cancer 26. Motor Neurone Disease
09. Cardiomyopathy 27. Multiple Sclerosis
10. Chronic Liver Disease 28. Muscular Dystrophy
11. Chronic Lung Disease 29. Paralysis/ Paraplegia
12. Coma 30. Parkinson's Disease
13. Coronary Artery Disease** 31. Poliomyelitis
14. Encephalitis 32. Primary Pulmonary Arterial Hypertension
15. Fulminant Viral Hepatitis 33. Stroke
16. Heart Attack 34. Surgery to Aorta
17. Heart Valve Replacement 35. Systemic Lupus Erythematosus (SLE) with
       Lupus Nephritis
18. Kidney Failure 36. Terminal Illness
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   * for Full Blown AIDS, 50% of the sum assured shall be payable
**  for Angioplasty and other Invasive Treatments, 10% of the sum assured to a maximum of RM25,000, shall be payable.