Please read these Terms of Use and Disclaimers carefully before you start to use the easycover.my application (hereinafter referred to as “the App”) and its services (“Services”). By accessing or using the App and Services, you have assented to the terms and conditions contained herein.
We fully reserve all rights to modify, add, or remove any of these terms at our full and absolute discretion at any time without any prior notice. Unless stated otherwise, any changes to these terms take effect immediately. Please check these terms periodically for changes. Your continued use of the App and Services will be deemed your acceptance of the terms and conditions in effect at the time of use. We may change, suspend, discontinue, or restrict access to, the Website without notice or liability.
easycover.my operates as an insurtech platform, serving as a marketplace where users can compare and purchase various insurance and financial solutions from multiple providers.
All content, materials, information, or products provided on the App, including those related to legal, financial, or insurance matters, do not constitute professional advice. Any reliance upon or use of the same is at your sole risk. We encourage users to consult with qualified professionals or legal counsel to determine the most appropriate solutions for their individual needs before using any products or services provided on the App.
The use of our App and/or Services or products does not establish any form of professional-client relationship. We expressly disclaim all liabilities arising from your use of the App and any of its content.
As per the BNM’s Guidelines on Medical and Health Business, you are entitled to cancel such medical and health insurance policy/takaful certificate within a 15 calendar-day free-look period after the date of delivery of the insurance policy or takaful certificate to you.
For life insurance policy/takaful certificate, the paragraph 2 of Schedule 8 of the Financial Services Act 2013/Islamic Financial Services Act 2013 also allows a 15-day cooling-off period after the delivery of a life insurance policy to you. During this window, you can opt to return the policy and any paid premiums will be fully reimbursed to you minus expenses related to any necessary medical examination. We will inform you about this cooling-off period and the relevant procedures when you acquire your policy through us.
For other types of insurance policies or takaful certificates, the presence of a cooling-off period is based on the specific terms of the insurance product or service. It is crucial to recognise that the existence and length of a cooling period are dictated by the stipulations of your insurance policy or takaful certificate as set by the Insurer / Takaful Operator. For this reason, we recommend that you carefully review the terms contained in the insurance policy or takaful certificate before making any purchase.
For matters of refund and cancellation, all written notice must be sent via
Enquiry Form and will thereafter be forwarded to the Insurer / Takaful Operator. The Insurer / Takaful Operator will process the request for cancellation and will be the party responsible for the refund, subject to the final terms and conditions of the insurance policy or takaful certificate issued by your selected the Insurer / Takaful Operator.