Yes, CI claims are entitled when it is in the very severe stage. Both kidneys have to fail before a CI claim can be obtained, same goes to Cancer as it has to be manifested out of control only a CI claim can be obtained?

My question is, if this person has A SINGLE kidney failure and the other one is not working in its optimum condition, kidney dialysis is required but a CI claim is still not entitled.

If cancer as it's beginning stage, its either operation to remove the lump or chemo or radiotherapy. Still not qualified for CI claims.

Macam mana?

I'm saying these by putting my myself in a policy holders shoes NOT from the aspect of an insurance agent.

Anyway, insurance company have to be more realistic abit on what they are offering . To me even if your insurance policy says that "No Lifetime Limit" is very unrealistic as they all even know that "it never happen before"

hackwire..
i agree with you about this point..

some of insurance company keeps promoting their medic card NO LIFETIME LIMIT..
but..
there are lots of limits on it..
for example u are only allow to claim 40k on kimo..
then a kimo cost bout 10k..
you need six kimo that already cost u 60k or even more...
but the limit only 40k ..how then??
then there was a limit on each cancer which u can make a claim..
then for sure larr..
NO LIFETIME LIMIT ma..
because already got all the limit on all the illness..
already listed down each cancer u can only claim how much already..
sure NO LIFETIME LIMIT d..

some insurance plan still keeps promoting their medical coverage till 99yo..
yup..it is definitely a good things..
but ask yourself..
how long we can breathe on this earth..
do we really need such coverage..
dont ever forget ya..
it will charge in your premium and you going to pay for it1 o..

so what i wanna say is..
choose the one you really need it1 and the best plan that can cover what you need what you want..
dont just listen listen listen only..
 

just my opinion ya..
correct me if i was wrong ya..
we learn 2gether ya..
^^