"These riders are renewable on the policy’s anniversary. However, the rider’s premium is not guaranteed. A** reserves the right to revise or adjust, on the Policy Anniversary or renewal, by giving a 90-day prior notice in writing by ordinary post to the Owner’s last known address in the Company’s records, the benefit’s structure and restrictions/limitations and the premium for them, including but not limited to the Schedule of Benefits and any other benefits or coverage as determined by the Company. The rider’s coverage will automatically terminate in the case that the Owner disagrees with such revision and notifies the Company in writing."

They can change the benefit structure anytime, and if you tarak suka you boleh keluar

If the benefit is from Rm100k to Rm200k it is ok, but if the medical card from Rm100k reduced to Rm80k?