Every health conditions needs to be declared no matter how old the event was. This is especially true if there was admission or records being recorded. It is then up to the underwriters to look at the case and issue or call for medical reports.

If they do so, let them check/investigate. Even if it takes time. At least you know for sure if the policy is accepted, you'll have a peace of mind that it will not be declined due to non-declaration.

If not declared it will be a basis for claims declination should the insurer later found out and contest for withholding vital information that may impact the policy inception/premiums.

It is the duty of the agent act as the underwriter's ears and eyes and to write all information gathered from the client in the proposal form, especially on the health declaration.

As a client, if you had declared it to the agent and the agent did not write it in the proposal form, you may call the customer service to inquire whether it will be an issue in the near future. Get a written confirmation from the insurance company, never oral.

So.. based on what both ExpZero + Roy is saying.. Sithbuster/Alex is giving dangerous advise ka?

dang tot there was some loophole or something.

I wouldn't comment more on that,I will only give my client best recommendation to their best interest according to my experience. Would want to protect my mangkuk nasi and also my client's claim experience in the future, wouldn't want to be curse 18 generations when unfortunate happens.

Any sifu here can help me out as recently planning to get insurance for my daughter and already get the quotation and illustration by prudential agent, but i am blind as totally don't have any knowledge, anyone? PM thanks.

does AIA have Female Insurance ? How does the quotation works ? Any guidelines ?

Hi. Pla pm me. Thanks.

I guess most of the insurance do have insurance for female protection.

As for Hong Leong Assurance, the benefits for female insurance as below:

Life Insurance coverage

Female Cancer coverage (for most known female cancer)

Maternity allowance & birth complication coverage (mother and baby)

CI waiver coverage

Basically you may find others insurance with such (+/-) coverage in their plan.

P/S: All sifus correct me if i'm wrong ya.

Summoning sifu roystevenung for Prudential issue. Sorry mod..

Suddenly lemah lutut, ppl call sifu

I had PM him, thanks boss

A sifu will never claim himself as a sifu..

Oh sorry.. Thought you missed out that post..

Hi,

This is Gavin from AIA Bhd. Sorry to tell you that AIA don't have female care plan at this moment. Now we only got early critical care plan which covers up to 95 critical events.

Last time ING have a very great plan for female care. Therefore, most probably AIA will also have female care plan in future.

If you would like to look at Prudential Ladies plan, give me a buzz

Is that true?

That is confusing, who should we listen??

What I mention is the absolute truth, and nothing but the truth. Failing to declare, may result in rendering the policy null and void - especially something that may have an impact on how the policy is being underwritten.

Of course you do not have to declare if you had flu/fever and go to the clinic unless you go to the clinic like >10 times a year?

Does the insurance company do a check for the policy, with regards to medical declaration?

Or do they wait for the claim from policyholder, then only then they do a check?

If by the time to claim only check, then refuse to pay on the basis of not declaring, then pity the policyholder la.

Don't you think so?

Personally, i'd wont just listen but think in terms of contracts.

Insurance is a legal contract between insurer & U.
In a legal contract, if one party does not follow the agreed then one is in breach.
When one is in breach, it then usually falls to the clauses of termination due to breach of contract.
That's when kaka usually happens in most contracts (ie. not just insurance contracts).

Just applying cow-sense & work/biz to personal life - may not work for everyoe

During application they can only do surface check from the available database, not only the insurance company database but also the data stored in LIAM.

If the prospect name comes light up like the Christmas tree, then the underwriters may flag out as a requirement to the agent for the prospect to declare.

Insurance is a contract of utmost good faith, whereby the client is required to be truthful in the declaration. If you look at the health questions carefully, it practically covers from head to toe.

This is why when meeting up with client we hqve to take our time to slowly go thru with them and not simply tick the NO column.

Thank you sifu for the explaination...

Hi All Insurance Agents,

I am currently looking for a insurance plan which includes medical card, life, 36CI, and PA. Please help to quote a price for me.

Age: 23
Female
Non Smoker
Budget: RM100 - RM200 per month

Thanks.

Anyone heard about i-insure, which is a PA insurance coverage,
provided by Multi-Purpose Insurance Bhd?

The premium is only @ RM50/annum!
Coverage is for death, and permanent disabilities.
Sum covered is RM50k.

Link to the site: http://i-insure.com.my/i-insure/index.php

What are your take on this?
Is it good, not bad, or lowya insurance?