What is a Pre-Existing Condition?

A pre-existing condition shall mean any condition, symptom, or sign of the condition occurring or existing in any form, or complication directly resulting from or relating to that condition prior to the period of takaful.

A condition may be considered pre-existing whether or not
(a) medical advice, diagnosis, care, or treatment has been recommended for the cat by a veterinarian;

(b) it was treated or is receiving treatment from a veterinarian;

(c) the pet has clear and distinct signs, symptoms, abnormalities or physical defects and/ or would have been apparent to the certificate holder in the circumstances.

Pre-existing conditions are exempted from the certificate.

This is why it's important to get your pets covered while they are healthy. Any eligible conditions that occur later in their lives will be fully covered by the certificate if there are no further exclusions.

If you need more help on this, you can WhatsApp us at +60162996840 or email us at care@oyen.my.

Certificate terms and conditions applies