Note:The daily Hospital Income and Medical Expenses payable is only applicable where hospitalisation is at a Government Hospital in Malaysia. As such, the benefits are not applicable for admissions or treatments at quarantine centres or private hospitals. Medical Expenses claimable only if the expenses incurred in a single bill/receipt is more than Ringgit Malaysia Ten (RM10).The Insured Person is required to evacuate for at least forty-eight (48) hours due to flood and a seven (7) day waiting period from the Policy issuance date is applicable.