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 INSURANCE TALK, ok let start

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ExpZero
post Jun 11 2013, 12:00 AM

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QUOTE(netmask8 @ Jun 10 2013, 10:46 PM)
Good Question.. I also got bought PA rm400k many years ago.. PA is very cheap.

U must remember, only got ORIGINAL / GENUINE 1x copy of  Death Certification 1x copy of  Medical Report  and 1x copy of Police Report ..  Can claim 3x different/same insurance companies ?

Can 3x different/same insurance company willing to accept "Certified True Copy" with the CHOP of the above from the insurance agent/family member
to claim ? Any insurance AGENTS help b4 to claimed insurance using "CERTIFIED TRUE COPY"  ?? 

He Posted Good Question to share it here.. Any insurance agents can help to answer this question? If otherwise, public will
stick to ONLY 1x long and royal insurance company/AGENT to serve them.. Have a great day.
*
QUOTE(Calvin Ong @ Jun 10 2013, 11:43 PM)
Interested to know the answer as well...

How about if the person buy multiple Life Insurance? GENUINE copy for death certificate only got 1...  I think insurance company should be OK with  "CERTIFIED TRUE COPY"...
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Certified true copy can be used, please refer to the attachment below.

http://www.greateasternlife.com/en/jsp/pdf...ims/DTH_INT.pdf

QUOTE
We require the Death Certificate to be certified true copy by our Customer Service Staff or the Servicing Life
Planner/ Authorised Life Planner/ Servicing Financial Planner. For death which occured overseas, original Death
Certificate can only be certified by our Customer Service Staff or Notary Public of the Country where Life Insured
passed away.
silver5453
post Jun 11 2013, 09:48 AM

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This post has been edited by silver5453: Jun 11 2013, 03:32 PM
john_jay2
post Jun 11 2013, 09:57 AM

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QUOTE(silver5453 @ Jun 11 2013, 09:48 AM)
hi is there any GE / AIA agent?

whats the best plan for medical card?
i just need a purely medical card
with 100k annual.

PM me with details
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hi pmed ~
netmask8
post Jun 11 2013, 12:07 PM

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QUOTE(ExpZero @ Jun 11 2013, 12:00 AM)
Certified true copy can be used, please refer to the attachment below.

http://www.greateasternlife.com/en/jsp/pdf...ims/DTH_INT.pdf
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Hi,

Per the website link given,( http://www.greateasternlife.com/en/jsp/pdf...ims/DTH_INT.pdf )
ONLY DEATH CERTICATE can be submitted and "certified as true copy" by the insurance officer when make a claim..
In reality, only got original/genuine 1x Medical Report and 1x Police Report... Above link did not mention
accept "certified copy" for Medical Report and Police Report.

All insurance companies WANT original / GENUINE reports when come to claim.. Buying many
insurance would not help as, Each ORiginal Reports got only 1x copy.. Just a thought.
Calvin Ong
post Jun 11 2013, 12:12 PM

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Hi All,

For Total and Permanent Disability, it is mean to be Loss of both of: eyes, arms or legs...

Let say for a case that the Policy holder lost 1 leg due to Diabetes, is it mean that his/her life insurance won't pay any cents since it is not defined as TPD?

In 36 critical illness policy offered by insurance company, Diabetes is not covered right?
roystevenung
post Jun 11 2013, 01:04 PM

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QUOTE(Calvin Ong @ Jun 11 2013, 12:12 PM)
Hi All,

For Total and Permanent Disability, it is mean to be Loss of both of: eyes, arms or legs...

Let say for a case that the Policy holder lost 1 leg due to Diabetes, is it mean that his/her life insurance won't pay any cents since it is not defined as TPD?

In 36 critical illness policy offered by insurance company, Diabetes is not covered right?
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Do refer to TPD table. It pays by percentage. The above is payable and is considered as Total Permanent Disable (TPD) subject to waiting period, of course)

Diabetes itself is not under the 36 CI but if not control can leads to organ failure(kidney), amputation or blindness. Hence anyone who developed diabetes is not payable until the illness manifest into something more severe.

Same goes to high blood pressure.

Should both kidney fails and needs dialysis, that is covered under the medical card.

Having said that, older waiver does not waives the premium should someone is TPD. Newer policies waiver covers the TPD before age 70, and Critical Illness.
Calvin Ong
post Jun 11 2013, 01:32 PM

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QUOTE(roystevenung @ Jun 11 2013, 01:04 PM)
Do refer to TPD table. It pays by percentage. The above is payable and is considered as Total Permanent Disable (TPD) subject to waiting period, of course)

Diabetes itself is not under the 36 CI but if not control can leads to organ failure(kidney), amputation or blindness. Hence anyone who developed diabetes is not payable until the illness manifest into something more severe.

Same goes to high blood pressure.

Should both kidney fails and needs dialysis, that is covered under the medical card.

Having said that, older waiver does not waives the premium should someone is TPD. Newer policies waiver covers the TPD before age 70, and Critical Illness.
*
If I am not mistaken, TPD table is only applied to Personal Accident Insurance (it pay by percentage). For life insurance, TPD is either defined as:

1) Loss of both eyes or arms or legs,
2) Cannot return to work due to permanent disability AND cannot do any 3 of the Daily Activities

If the policy holder lost 1 arm OR 1 leg due to natural causes, not accident, it is not yet achieve the condition of TPD. Thus, insurance company won't pay any cents. Is it correct???


I know that there are some early pay CI rider which pay 10% or 20% of CI sum insured (depend on company) for amputation of any 1 limb due to Diabetes. However, what I concern is that for amputation of 1 leg due to diabetes, is it cover under normal 36 CI???

This post has been edited by Calvin Ong: Jun 11 2013, 01:34 PM
ExpZero
post Jun 11 2013, 01:55 PM

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QUOTE(Calvin Ong @ Jun 11 2013, 01:32 PM)
If I am not mistaken, TPD table is only applied to Personal Accident Insurance (it pay by percentage). For life insurance, TPD is either defined as:

1) Loss of both eyes or arms or legs,
2) Cannot return to work due to permanent disability AND cannot do any 3 of the Daily Activities

If the policy holder lost 1 arm OR 1 leg due to natural causes, not accident, it is not yet achieve the condition of TPD. Thus, insurance company won't pay any cents. Is it correct???
I know that there are some early pay CI rider which pay 10% or 20% of CI sum insured (depend on company) for amputation of any 1 limb due to Diabetes. However, what I concern is that for amputation of 1 leg due to diabetes, is it cover under normal 36 CI???
*
Yes, you are right, Losing of one leg OR one hand is not under the definition of TPD for Life policy. Under PA, it's under partial disability which is payable under a certain percentage.

As long as the unfortunate is happen and it falls under the definition as per policy contract, Any insurance company will pay it. nod.gif
roystevenung
post Jun 11 2013, 01:57 PM

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From: Butterworth, Penang
QUOTE(Calvin Ong @ Jun 11 2013, 01:32 PM)
If I am not mistaken, TPD table is only applied to Personal Accident Insurance (it pay by percentage). For life insurance, TPD is either defined as:

1) Loss of both eyes or arms or legs,
2) Cannot return to work due to permanent disability AND cannot do any 3 of the Daily Activities

If the policy holder lost 1 arm OR 1 leg due to natural causes, not accident, it is not yet achieve the condition of TPD. Thus, insurance company won't pay any cents. Is it correct???
I know that there are some early pay CI rider which pay 10% or 20% of CI sum insured (depend on company) for amputation of any 1 limb due to Diabetes. However, what I concern is that for amputation of 1 leg due to diabetes, is it cover under normal 36 CI???
*
Sorry, let me rephrase. Replying on highway OTW to KL.

For Accidental death and disable, a loss of leg is 100% payable of the sum insured

TPD definition
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Calvin Ong
post Jun 11 2013, 02:09 PM

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QUOTE(ExpZero @ Jun 11 2013, 01:55 PM)
Yes, you are right, Losing of one leg OR one hand is not under the definition of TPD for Life policy. Under PA, it's under partial disability which is payable under a certain percentage.

As long as the unfortunate is happen and it falls under the definition as per policy contract, Any insurance company will pay it. nod.gif
*
Actually losing of 1 leg can cause very serious effect for the person to earn income... Depend on job, some person might not be able to return to work after losing of 1 leg... Losing of 1 hand also can cause trouble for the person to earn income, but may not be as serious as lose of 1 leg.

Wonder why insurance company only pay for lose of both limbs, but not any one limb.
Calvin Ong
post Jun 11 2013, 02:13 PM

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severance one limb each at or above his wrist and ankle... There is a word each there. I think it mean both limb. Correct me if I am wrong.

QUOTE(roystevenung @ Jun 11 2013, 01:57 PM)
Sorry, let me rephrase. Replying on highway OTW to KL.

For Accidental death and disable, a loss of leg is 100% payable of the sum insured

TPD definition


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rekamaju
post Jun 11 2013, 02:31 PM

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Those buying or having insurance may want to read this

http://www.asiaone.com/News/Latest%2BNews/...608-428460.html
netmask8
post Jun 11 2013, 10:51 PM

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QUOTE(rekamaju @ Jun 11 2013, 02:31 PM)
Those buying or having insurance may want to read this

http://www.asiaone.com/News/Latest%2BNews/...608-428460.html
*
Good Sharing on the above web link .. rclxms.gif Collect money, very fast and efficient. Give money back, ehhhh.... doh.gif
But when come to make a claim....this cannot and that cannot... vmad.gif

Always Remember = Got ONLY 1x original / genuine Medical Report, Police Report and Death Certification..
Certified true copy DOCUMENTS are not ACCEPTABLE when come to CLAIM.. mad.gif

If u want to BUY other insurance from different insurance companies , always think and be prepare of the
the consequences need to be taken by the deceased next-of-kin .. Very MAFAN.. Why the insurance AGENT did not help
per the web site?? brows.gif Collect commission = Very Happy , but when come to claim/service = Missing in Action ? rclxub.gif Just a thought.
ExoticAquaNPet
post Jun 11 2013, 10:53 PM

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i just bought a property.. want to top up my current life insurance to cover the property as i did not buy mlta or mrta.. any insurance agent out there? prefer GE or Pru.. my location is cheras.
Colaboy
post Jun 12 2013, 01:49 AM

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QUOTE(ExoticAquaNPet @ Jun 11 2013, 10:53 PM)
i just bought a property.. want to top up my current life insurance to cover the property as i did not buy mlta or mrta.. any insurance agent out there? prefer GE or Pru.. my location is cheras.
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you got PM!
wwl86
post Jun 14 2013, 06:36 PM

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bidfordun
post Jun 14 2013, 08:01 PM

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hi everyone. Is there any insurance that is catered to extreme sport like DAN(for divers)? I like to race but not the mat rempit kind. I pay for track in sepang to drive motor very fast, real fast. To my dismay, normal insurance doesnt seem to cover this. So i was wondering if there is any insurance that will cater to this.
Pain4UrsinZ
post Jun 15 2013, 02:13 AM

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Age: 57 years old
Sex: Female
Health condition: Heart not so good, poor blood circulation, Leg got Problem

want buy insurance how much?
SithBuster
post Jun 15 2013, 02:24 AM

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looks like body condition not so good, better go for checkup. Not healthy cannot buy insurance also smile.gif
SithBuster
post Jun 15 2013, 02:51 AM

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QUOTE(Pain4UrsinZ @ Jun 15 2013, 02:13 AM)
Age: 57 years old
Sex: Female
Health condition: Heart not so good, poor blood circulation, Leg got Problem

want buy insurance how much?
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