Any pre existing disease (PED) not declared at the time of policy inception will be considered as non-disclosure of the
material facts and will lead to policy cancellation. To avoid this, all material facts related to PEDs should be declared
before the policy issuance. However, should you need to declare any PED after policy issuance, please visit our branch
office. The acceptance of the PED will be subject to our underwriting guidelines. In case the PED is a declined risk as
per Our underwriting guidelines, please note that Your Policy may be subject to cancellation with Zero refund of
premium