New medical card from Prudential BSN Takaful Bhd coming soon ETA 15thJuly2013, "A medical card that defines you"

Conventional Insurance is much cheaper than Takaful. Is this statement is true?




BTW, I'm looking for a medical card for me and my wife.Appreciate any quotation/proposal. (PM Pls)

Me
----
21/02/1982
Smoker
Manager

Wife
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18/12/1976
Non Smoker
Research Exe

Thanks

Not really . . . is depending the products features & also a lot other factors like age, sex, occupation & etc.
The only reason why Takaful products might be more expensive is because of the tabaru contribution which conventional plan dont have.

Hi guys, let assumed i have 2 policies from different companies.. If i die.. I have to submit only copy of death cert right? No need to submit the original? So i can claim from both companies??

This post has been edited by mcfeemo: Jul 12 2013, 09:15 PM

If you die and you submit it to your agent, your agent will freak out man.

But if you are referring to your beneficiary, then yes, a certified true copy will suffice.

From who do we get the certified true copy??

I LOL-ed

Commissioner for Oaths @ Pesuruhjaya Sumpah

Most legal firm/lawyer got this service

so basically, my family have to look for any lawyer to get the certified true copy?..

so if i have 5 life insurances from 5 different insurance companies.... they have to get 5 copies of certified true copy from the same lawyer?

Yes, they have to produce the original for him to sight, then he will certify true copy on the photocopies. His charges are by no. of copies

Remember ask your family to bring "you" along to prove that u are really dead lol just kidding

This post has been edited by Pink Spider: Jul 12 2013, 10:26 PM

then why become agents ... when you can make money by becoming a lawyer....

U call up 5x different insurance companies (CLAIM Dept) and you will be SURPRISED that many these
insurance companies WANT GENUINE / ORIGINAL documents..

Death Certificate = 1 only ..

Medical Report = 1 original , can certify true copy(how long/process/duration),
BUT many insurance companies WANT GENUINE copy when submit claims..

Call up all the CLAIM Dept and you will know the results.. After sale service = very important, as beneficiary may not
know how, where, ..etc..etc Give a call now..

This post has been edited by netmask8: Jul 12 2013, 11:20 PM

so if all of them want the original copy... it doesnt make sense for a person to buy few life policies in their life...

All the companies's executioner know that original only got one, imagine that they have to process ton and ton of death claim per day, they are very experience in the claim process as they knew if they are late to pay by even one day, they will get complain up to BNM level.

Verdict: Death claim is claimable in certified true copy format.

so... from what i understand from your explanation is.... the insurance company will still accept the certified true copy by lawyer?

I would like to find out about this as well but as to my understanding that medical claim definitely only can use 1 which is the original bills.

Yeap, i guess we have to call the claim department and find out

For medical bills/expenses, ONLY ORIGINAL medical REPORT can be submitted for claims..

Medical Report thru Certified TRUE COPY by lawyer/Doctor/Hospital is NOT ACCEPTED .. I challenges any insurance agents here on this
if they can claim using true certified copy.. For medical bills/expenses matter.

Call up the insurance companies and you will be SURPRISED to know the tedious/very Mafan procedures/process when come to claim..

This post has been edited by netmask8: Jul 13 2013, 09:15 AM

what @roystevenung say ?