Hi, I have a query on claims eligibility and need some input:

I have a whole life policy from GE (Multicare WL) with PA rider (Comprehensive Accident Benefits), which is still an active policy.

I had a fall recently and went to a specialist clinic to fix my knee. This 'event' should be considered as under PA coverage, yes?

Per the agent, she said GE will only pay if there is a medical leave advice (MC) from the doctor for 7 days. I do have the MC but it is for 4 days only. Can I still do the claim, will GE pay?

I was not aware of this type of condition/exclusion as this policy is now 20 years old.

Does Prulink's PA rider has this type of condition/exclusion as well? If not I might claim from Pru instead.

I do already have all the supporting docs (xray, ultrasound, doctors report, receipts, etc).


Thanks in advance.

Thank you roystevenung

May I ask if I claim from this benefit instead of the PA rider: Emergency Treatment for Accidental Injury (PruFlexi Med). This is pre-hospitalization, and I never did need to go to hospital after the specialist has 'fixed' my knee.

Attachment is snapshot from policy.

Thanks again.


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Thanks ExpZero, I can see what you mean from this "pocket expenses" in the CAB rider. Maybe she thought the 7 days minimum MC will also apply to claim the benefit.

Snapshot below from policy (#c and #d)



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