Although Alopecia Areata is not a life-threatening disease. Alopecia areata is not a painful disease and does not make people feel sick physically. It is not contagious, and people who have the disease are generally healthy otherwise. It does not reduce life expectancy and it should not interfere with going to school, playing sports and exercising, pursuing any career, working, marrying, and raising a family.

Nevertheless, it's always advisable for policyholder to fully disclose all the current medical state to insurance company's underwriter for a accurate and headache-less claim in the future especially since Alopecia Areata can be seen physically. You wouldn't want future claim to be rejected aren't you?

If the underwriting department would need further clarification from the policyholder, it will issue a further query or a checkup from medical officer in panel clinic to determine the severity of the disease.

Insurance is about utmost good faith, policyholder are obligated to declare every known medical history of them to the company, or else the contract is void-able.

I personally do not have such issue happen within my client based. Nevertheless, I have nbtd    and called to Great Eastern Customer Service and  the Customer Service officer is recommending me to declare the smoking status.

However, I have asked Customer Service, what will happen shall the client did not declare and pass away due to lung cancer? CS told me that it is claimable with (b) option AFTER investigation to proof that the case is not non-disclosure.

However, this is the result from GE, other company might not have the same practise.

Meaning to say you are genuine(non smoker) at the time of purchase and not miss-representatives. You may call Great Eastern yourself to clarify 03-42598111.

Hi Spider ,

I'd advise you to request your agent to generate the "new quotation" using "ILP Calculator" for your alteration before you head to the branch.

Eventhought it can be done in Branch, but it's better for you to read through the amendment first(and you are statisfy with it) because if you have amended too low premium with too high protection(vise versa), it can't be done. You may request him to forward you via email before going to Great Eastern.

Sometimes if you straight head to branch, the Customer Service will give you a form to fill up for the alteration without checking the system whether this alteration can be approved. Upon successful amended, they will send a letter to your house. However, if the amendment is failed(too low premium with too high coverage), they will send you another form to re-submit(yeah, I know your feeling).

I wish I can help you to generate but I can't because I can only generate amended quotation for my own client due to Personal Data Protection Act.

Bro, mind to tell your age, occupation and smoker?

Normally with Allianz Medical Card 200-250 monthly will be RM250-300. Of coz for age below 25, then will much cheaper.

Allianz have no annual limit, never worry of shocking medical fees.

Bro. although stand alone is much cheaper and guarantee of renewal. But be remind the exclusion clause of standalone plan. Some had experienced, insurance have the right to exclude or reduce some of the coverage once you claim something.

Just did a comparison for Pru & Allianz medical card

Premium
Allianz: RM 1900
Enhanced Medicover covers up to age 91
with waiver of premium
life coverage 71k (cant reduce due to system constrain)

Pru: RM 1950
PruFlexi Med (RM300 deductible) covers up to age 80
annual limit 100k
with waiver of premium
life coverage 10k

Depends on your preference, there are few key things that you need to consider

1. Annual limit
If you think that it is possible to have medical claim of RM 100k and above, you may consider Allianz

2. Coverage term
For Prudential, you can choose to cover up to age 70, 80, 90, or 100. However the price also skyrocket for longer term.

In this comparison, I choose up to age 80 and RM 300 deductible, to have the similar premium for comparison purpose. To cover up to age 90, the premium cost more than RM2600

3. Room & board limit
if you are die die also want to stay in single room type, Allianz might be more costly due to the co-insurance of 20% for staying in room that exceed R&B limit, so you may consider about Prudential which you just have to top up the difference

4. Co- insurance & deductible
Allianz: Co-insurance means sharing the cost with insurance company. If you stay in room that exceed the R&B limit, you have to bear 20% of the total medical bill, up to maximum of RM1000.

For example, your R&B limit is RM200, but you stay in room that cost RM250, and the total bill sum up to RM10,000

you have to pay RM10,000 x 20% = 2000,
but max is 1000, so you have to pay RM 1000

Prudential: there is deductible of RM300 in this plan that I choose for this comparison purpose, which means that you have to pay RM300 everytime that you are hospitalised. There is option to opt for 0 deductible, however, the premium is roughly RM300 higher.

In short, I would say Allianz would be better choice if you don't mind staying in 2 bedded or 4 bedded room.

No annual limit is quite useful, since buying insurance is about transferring risk to insurance company, so it is good that you dont have to pay so much in case the medical bill is more than 100k. Especially when this feature is included with premium which is similar or even lower than other insurance companies.

In fact, Prudential also have this "Annual limit waiver" rider for Pruhealth medical card, but it is costly to addon that rider.
I think cost is a crucial factor, although premium is not guaranteed and insurance company may increase it anytime just by giving notice to client, but currently, prudential cost is really much higher for the same coverage term.
*no offence to pru agents unkerroystevenung, just pointing out facts that i know, do correct me if i'm wrong.