Medical Establishment FORM

*Your duty of disclosure*
- You have the duty to disclose to Chubb Insurance Malaysia Berhad or Syarikat Takaful Malaysia Berhad ( Chubb , us , we , our , STMB ) any matter that:(a) You know to be relevant to our decision on whether to accept the risks or not and the rates and terms to be applied; or (b) a reasonable person in circumstances could be expected to know to be relevant.
You have the duty to disclose those matters to Us before you renew, extend , vary or reinstate a contract of general insurance,

*Non-Disclosure*
- If you fail to comply with duty of disclosure, We May have the option of avoiding the contract of insurance from its beginning. If you non-disclosure is fraudulent, We may also have the right to keep the premium that you have paid.

*Change of Risks or circumstances*
- You should advice US as soon as practicable of any change to your normal business as disclosed in this application.

*Subrogation*
-Where you have agreed with another person or company, who would otherwise be liable to compensate you for any loss or damage which is covered by the policy , that you will not seek to recover such loss or damage from that person , Chubb or STMB will not covet you to the extent permitted by law , for such loss or damage.