As your age, responsibilities and commitments change, so do your insurance requirements. TopCover's flexible design allows you to ensure that your cover is tailor-made for you.

You may elect to increase your coverage by applying for additional optional voluntary benefits which are subject to acceptance by the Insurers. If you are declined on a specific pre-existing aliment for health reasons, you will not lose the basic cover provided by the Group scheme. Once accepted, renewal is automatic every year as long as the Group policy remains in force.

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