Insurance bought way back in 1999. Need review it but hardly got the time. I think lifetime limit is way too low... Maybe 150k only....

Cancel  n get a new policy?

If underwriter not request for ME, then how insurer can reject the claim because there was no ME done before?
Have to see case by case?

Roy can brief more on outpatient part on newly launched pruvalue med?
I watch the YouTube, it is quite different than what is in the market, with it we don't need high protection on ci, can I say so?
Only outpatient is not clear...

My policy is covered for this.
Guess you are a Prudential agent, if yes, don't try to cheat me as my friend that was my agent said the company will deny this claim even it is written in the policy.
So the company does not cheat, but the agent will cheat to secure a business.

I know you are still trying your best to secure a business here, but my policy was bought 12 years ago.
For all the policies I bought and cancel before, I can conclude that there's no insurance agent(including you) that won't cheat and mislead to make fast money.

My 62 years old mom have a diabetes and need to take insulin everyday. She's a pensioner but quite active to attend outside religious classes every weeks.

So far, she can speed walking for a few rounds in the park almost every morning and for the past few years, she's never have any issues such as faint due to low sugar, low on energy, headaches and etc which is quite norm for a diabetics patient.

My question is whether she's qualify for any insurance/medical card (probably for hospitalization in the future)? She's already got gov pensioner card which earned her the best ward in the gov hospitals inclusive outpatients card (private hospitals - sons benefits), however I'm wondering if if there are other alternatives for in patient benefit for elders?

Tq

P/s: Agents .. please do not pm me

Haha us I did see some say they need do medical. So you saying it's ok I didn't have to do medical???

No. The last time i did a medical was 2 years b4 buying it. So now should i go get a medical test just in case?

Nope. It was clean. Also i just remember 3 month ago b4 i started working also they took my blood test came out clean also. But they didn't give me any copy of the test.

hi guys, if i cancel my life insurance after paying it for 5 years. how much i can take back the money out from it?

due to some personal reason with the agent which i cannot continue the service with the agent. Residing area also one of the reason

guys, prudential medical card got tax relief?

wah thats very bad.

Any other insurance company you`ll recommend?

Btw, I`m still looking for clarification on takaful v conventional esp on their profit sharing thing. =)

Thanks.

noted on the syariah investment. Beside this? cos they have profit sharing, so do they have loss sharing? 

interesting question. the profit sharing part. well, supposedly there is this profit sharing in general takaful as well, i.e. your car insurance.

i'm not familiar, so bear with me.

based on what i know (and read) there will do whatever calculation, determine if there is surplus or not. i know another company (not etiqa) in their FAQ, they mention, they do give out if there is surplus. but if say the amount is less than RM10 per policy holder, it will be donated to a charity instead. or something like that. so it's NOT mandatory that there is an amount to be pay out to policy holder.

ALSO, i'm not even sure how the payout mechanism works. if they do pay out, do they give you a cheque, or just deduct next year's premium? but since out motor insurance profit margin is low, do they give out in the first place?

Just sharing one recent troublesome experience ....

I have a medical insurance with XYZ for about 3 years now. I changed my credit card last year and I forgot to update the auto credit card payment for that insurance.

I got a letter stating my premium was over due for about 2 months. Only then I realised the resulting problem with my cancelled card.

Instead of just paying for the over-due premium, I have to fill in forms and the insurance company will re-assess my insurance. Quite some paper work involved.

So, if you are using your auto credit card payment for your insurance, make sure that you will inform the insurance company and update with your new card payment to avoid all the extra paper work.

Any one out there with similar experience?

Cheerio.

thanks for the input.
wah...if with insurance knowledge called it blant and technical...what would a non insurance guy call it? Pening?

I have encounter a special case lately.

A friend of mine got his insurance claim rejected. He went to clinic due to a very bad headache, and the doctor actually wrote a letter and refer him to hospital.

In the hospital, he went for some scan, and then admitted to hospital.

During admission, he wanna use his medical card but the GL was declined.
After that, he received a letter from the company notifying that they cannot pay the medical bill on his behalf basically they think the issue can be resolved without being hospitalized.

I've heard that when a policy is new, like 2 years, company sometimes will decline GL first, but they will pay once they investigate and confirm the case is genuine.

And in this case, my friend case was totally being rejected. But my question is he got the refer letter from doctor (clinic) to get hospitalized in the first place. It is a professional advice from a doctor for him to get hospitalized. I think it is a very good proof that he need urgent and higher level attention than usual headache case but his case got rejected totally......

So far, I've encounter some case where my own clients was hospitalized but all went through smoothly. I have never encounter any case where the GL is declined, thus I'm not sure is this considered normal?

Plus, it is from another company, so it is a little it hard for me to follow up this case. My friend agent based in another state and she seems like not willing to take the effort to help my friend. haiz..... she directly ask him to use company medical card and ask him to forget about this matter as he is entitled to claim from the company medical benefit.

My fren has lost his confidence in insurance now..... to him now it is not the issue whether or not he can claim the medical bill back but if this card is so useless to him, there's no point for him to continue paying for it.

What do u guys think? Do you think this case is a norm in the industry? coz I myself do not feel it is justice for the company to reject my friend's case.