Term Insurance =>> http://www.bigfatpurse.com/2013/05/financi...ident-of-fisca/

Why People Buy Term Insurance??

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.

This post has been edited by netmask8: Jun 10 2013, 11:09 PM

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.

Good Sharing on the above web link .. Collect money, very fast and efficient. Give money back, ehhhh....
But when come to make a claim....this cannot and that cannot...

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..

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?? Collect commission = Very Happy , but when come to claim/service = Missing in Action ? Just a thought.

IMO, work in MNC / company that provide free entry medical card (if u can find a career that provide)..

36 Critical Illness(CI) = Expensive COST and very low probability to strike this jackpot/risk..
Use the premium cost for saving and investing to generate more income/wealth..
Age = 40 years and above, get 36CI to eliminate/reduce the risk.. Just a thought.

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

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

E.g medical bills and 36CI claims..
My colleague fainted during office working hour and we sent him to hospital and Dr/Specialist performed angioplasty
test and found that he have 3x blocked/clogged/hardening artery. Operation Bills includes inserting a catheter (thin tube) into
vessels and passing a device (tiny balloon) through the tube to open the artery costed him total RM80K ..
He submitted medical report expenses using medical card from 2nd medical card insurance(company B).
Medical Report and Medical Bill = 1x original bill.. Now, he want to claim 36 Critical Illness from insurance company A but do not have genuine medical report and medical bill

Conclusion:-
Medical Report (Original/Genuine) = 1 .. Medical Bill = 1 (RM80k)
Medical Card (Company B for the past 3 years ) with higher limits= got the medical report during claim submission.


Whole Life c/w TPD, 36 CI, Saving/Investment, PA and Medical Card (Insurance Company A for the past 15yrs) = cannot claim 36CI ( rm100k), as original medical report has submitted to Company B as above. Note:- Medical Card for this company A got lower limit(as 6-in-1 package)
compared to high medical card limits of company B.

During emergency case like above, will you want to claim 1) Medical Card/Bill Cost or 2) 36 Critical Illness ?? For average/poor ppls.
Good Thoughts..

This post has been edited by netmask8: Jul 13 2013, 11:44 PM

Get hospital to fill up the CI report is not the same with copy of the bill and report ?

Need original medical bill and medical report to claim 36CI from insurance company B ..
The original medical bill and medical report is already submitted to claim medical card expenses from insurance company A.
He checked with the insurance company B agent, he is no longer in insurance field, BUT his upper line/insurance mgr is
be the new servicing agent for him and want ORIGINAL bill/medical report.. This upper line/insurance mgr is got 18 yrs experiences..

It is my colleagues whom happen recovered thru artery surgery and now, he go through all the insurance plans he bought..

He will call up his insurance agent or the claim dept and seek proper/right documents.. BUT, the medical
bill (original/genuine) = 1 .. have been submitted..Let him clarify from insurance company on the documents on
claiming 36CI .. If not sure, callup insurance agent or claim dept for right informations.Don't make own assumption/conclusion.
A phone call may be useful in clearing all the doubts/mess ..

-Double Post-

This post has been edited by netmask8: Jul 14 2013, 03:24 PM

36 Critical Illness = very expensive cost premium BUT, the probability chance to strike this
category = low for people age under 45 yrs old. If the person got this, it is will have short period / limited
life to see the real world ..

IMO, better use the premium cost of 36CI to top up yr medical card's yearly limits and lifetime limit.. Just a thought.

Death Report, Hospital Medical Bills + Dr. Report = 1x genuine certificate .. Photocopy 99 copies and submit yr claims?
How many insurance companies willing to accept "certify true copy" ? 99 copies of Death Report, 99 copies of Medical Bills
and 99 copies of Dr Reports ..

This post has been edited by netmask8: Oct 21 2013, 09:14 AM

Any INSURANCE Agents help clients's claim submission before, using "certified true copy" documents ?

Kindly help to share your experience here.. Will the insurance companies want to see the genuine copy?
Insurance companies VERY worry kena "con" , fraud, cheat by clients with all these "certified true copy" submissions.
Will submission of "certified true copy" claim took very long period compared to usual claim?