| a. |
We shall upon receipt of your instruction from the available purchase channels to purchase any PA insurance, immediately create an e-money account for you and you agree that you shall be bound by the terms and conditions for e-money. |
| b. |
Upon successful purchase, you shall be bound by the terms and conditions herein and shall be read together with the terms and conditions of the Certificate of Insurance. |
| c. |
You are responsible to pay the premium for the PA insurance ("Premium") purchased. |
| d. |
The coverage period for your PA insurance is thirty (30) days upon successful purchase or renewal (as applicable). |
| e. |
We will try to charge the Premium upon expiry of your PA insurance coverage period on a recurrence basis via any Payment Method (as hereinafter defined) to extend your PA insurance coverage for another thirty (30) days until you cancel your PA policy or your PA policy is cancelled or terminated under the terms and conditions of the Certificate of Insurance or upon termination of your mobile account. |
| f. |
We shall use our best endeavour to remind you prior to the expiry of your PA insurance coverage period via an electronic channel. |
| g. |
Payment of Premium is based on either one of the following methods ("Premium Method"):
| i. |
If you are a prepaid subscriber, by way of deducting your prepaid mobile phone airtime; or |
| ii. |
If you are a postpaid subscriber, by way of direct debit to your postpaid mobile phone account. |
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| h. |
You are responsible to ensure: |
| |
| i. |
If you are a prepaid subscriber, that there is sufficient airtime on your prepaid mobile phone account at all times; or |
| ii. |
If you are a postpaid subscriber, that your postpaid account is active at all times, |
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| |
in order for us to charge the Premium using the Payment Method stated in paragraph 3(e) above. |
| i. |
You may cancel your PA policy at any point of time by giving us instruction in the prescribed manner provided always that you are not entitled to a refund of any Premium paid and your PA insurance coverage shall continue until the expiry date. |
| j. |
Unless we obtain your instruction to cancel your PA policy, we shall upon the expiry of your PA insurance coverage period and within a grace period of one (1) day, try to renew your PA policy by using the Payment Method and:
| i. |
if it is successful, the PA insurance coverage shall continue for a further thirty (30) days from the expiry date; or |
| ii. |
if it is unsuccessful, the PA insurance coverage shall be discontinued immediately, |
in any event, we will at our best endeavour inform you of the status via an electronic channel. |
| k. |
You are not allowed to assign or transfer the PA policy and all and any Premium paid is not refundable in all circumstances. |
| l. |
The PA policy shall be cancelled or terminated based on any of the following reason:
| i. |
in accordance to the terms and conditions of the Certificate of Insurance; |
| ii. |
if you transfer ownership of your mobile account; |
| iii. |
if your mobile subscription service is out of coverage or unavailable, suspended, or terminated for whatever reason; or |
| iv. |
if the status of your mobile account is restricted, suspended, or disconnected when we try to charge the Premium. |
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| m. |
You are not allowed to carry forward the Premium (whether the full sum or the unused portion of the Premium) to a new mobile phone account. |
| n. |
If you are a postpaid subscriber under a commitment rate plan, and your total bill amount is equal to or less than the commitment fee, you understand that the service tax charged and payable on the billed amount is due to the commitment fee under your plan and is not due to a service tax on the Premium. |
| o. |
If there is any error in the insured's Personal Information (as defined below) or in the PA policy, your only option is to cancel the existing PA policy as per paragraph 3(i) and to purchase a new one. |
