The sum assured (type of plan) for your husband or wife must not be more than your sum assured unless we reduce your sum assured due to underwriting reasons. Your husband or wife can choose the same type of cover (Basic or Deluxe) as you but not a higher type of cover than you. If both you and your husband or wife choose the Deluxe cover, but we offer you a Basic cover due to underwriting reasons, your husband or wife can remain on Deluxe cover.