Otherwise during the admission if there is evidence of it being a pre existing or non disclosure the GL will still be rejected.

If the GL is being denied, and if it is a life threatening situation most of the client will still go ahead with the hospital procedure and they will have to pay first the amount and file a claim of appeal later.

If the investigations shows evidence of a non declaration of material fact that has substantial impact on how the policy is being underwritten, the entire policy maybe null and void.

However if there is no such evidence, of course the appeal claim will be honored and the policy will continue.

Investment linked insurance is not giving back your premium that paid for insurance.

See, as I mentioned previously, still many do not understand well investment linked.

In investment linked insurance, your premium actually goes to 2 portion, one to insurance, another one to investment.
The money you get back is from the investment part (if, as there is no guaranteed how much the return will be).

Investment linked doesn't mean your insurance part of premium stay forever the same.
Just because your investment linked premium is the same, doesn't means the money channel to insurance portion is the same!
The investment linked premium at the same amount because insurance company allocate the ratio between the premium to investment portion and insurance portion accordingly.

Eg.
investment linked premium 1000
When started time,
900 goes to investment, 100 goes to insurance coverage
when getting old
500 goes to investment, 500 goes to insurance
even older
100 goes to investment, 900 goes to insurance.

cherroy,

please stop commenting and advising ppl what to Buy, when your knowledge abt insurance or the type of plans offered and its features are full with error.

do share what you know best, with facts instead.

if you are a unit Trust Agent, property Agent, or in direct selling and you are here to,convince ppl to Buy term insurance so they can invest with you, then you should write abt how we can invest and become rich.

you are very wrong, what you have written above. Do not write something you do not really know abt and make yourself seem like a fool. I know you are not.

Sadly,  I'm just a government servant. No free medical card for me 

I do try to keep them at minimum %. That's why I'm seeking for advice. Thanks 

my understand is that the calculation of surplus and profit sharing should be based on your contribution amount. not exactly directly related to your NCB.

anyway... 45 to 55 is a good amount, much better than zero. (but then i don't know if you are driving a kancil or a mercedes )

You just need to provide the hospital your IC, and insurance policy number, by then they can check and proceed with the insurance already.

Generally, we should keep the medical card with ourselves, keep well the policy contract at home or safe.

As in case of anything happen, police or medical personnel will first check the victim/patient ID and other documents.

But no worries if you lost or misplace the medical card, you can just call back the insurance company mention your name and IC, customer service will able to check your policy and the detail. So as issue Guarantee Letter for hospital admission.

Most important are to remember from which company you insured.

Hospital are able recognize your medical protection by your IC number only. However, keeping your medical card in your wallet will ease to the public to know either you are covered by insurance shall you unconscious. Thus, it is still advisable to have one in your wallet.