Annual renewal premiums are adjusted according to age. Although we reserve the right to adjust the premiums, we will only adjust them according to the prevailing premium schedule adopted by us on an overall Portfolio basis and will not increase your premiums based on your individual claim history or health conditions.

In addition, VHIS Standard guarantees renewal up to age 100 while Flexi and Pink guarantee renewal for life. We will never reject your renewal request due to your claims history or health condition.