Please kindly answer my other question



This post has been edited by lifebalance: May 5 2016, 11:13 AM

Excuse me, stop being defensive or close minded if you never had customers faced this issue.
You should know how to think yourself on how these clauses can make your client suffer.

I am not saying ALL insurance policy T&C is absurd but the ones with clauses where company can cancel the customer's insurance policy anytime they feel necessary is.
Let alone the image and intention of the company itself.

Please. Ask your seniors or managers or when you have someone more than 20-30years

Dear,

Correction on your statement: 1. Medical card subject to 1,200,000 life time limit
1. Once you add in extender, no lifetime limit as i have already stated. Fully stated not half stated.
clearly you don't understand your product well, your medical card will still have life time limit subject to 1.2m
Your "Smart Extender Max" is subject to no lifetime limit with deductible on the original medical card limit

This sentence "still have life time limit subject to 1.2m" no stated by me. I already said with Smart Extender Max, annual limit is RM1,200,000, no lifetime limit.


https://www.greateasternlife.com/content/da...Max%20(Eng).pdf

Please read page 5 point number 19 clearly stated, Overall Lifetime Limit : No limit. No subject to anything as said by you.

Correction on your statement: It is Smart Extender Max, not Extender
2.It allows to add on to other company medical plan including AIA thus deductible from AIA then reimburse from GE. No lifetime limit.
- answered in 1.

To answer your question.
If you do not know the difference between the two please ask wisely! Seriously.

1. Already stated Smart Extender SE120k annual limit is RM1,200,000 you wont have problem claiming the total RM350,000.
is my question too confusing? let me rephrase it carefully for you.
a. Medical Card policy year 1/1/2016 - 31/12/2016
Customer A claim 150k on 1-Feb-2016 on the medical card.
Customer A claim again another 200k on 1-Aug-2016 on the medical card.
Since the customer has exceeded the RM120k annual limit on the first claim and claim 30k from the "Smart Extender Max"
On the 2nd claim for 200k, will Customer A have to fork out RM120k and the remaining 80k to claim from the "Smart Extender Max" since the Customer A has fully utilized the medical card annual limit on the first claim.

1. Already stated Smart Extender SE120k annual limit is RM1,200,000 you wont have problem claiming the total RM350,000.

Dear,

Kindly please answer my question.

Thank you.

He claims he's a consultant and not product-selling person.
He forgot to mention that he is actually a selective-consultant lol

Only answer question he wants to.

You sure ? I will give your company a call to check out.

If you have an old medical card then just upgrade the amount to the newer one subject to whether your health is still good.

Does your smart extender max able to apply for people with health problem as an add on rider when they have an old medical card ?

Dear,

Brochure pun sudah kasi lagi mau apa? Of coz i am sure. Are you sure? After all you are not so sure right?

Dear,

Any one can apply of coz it is subject to medical condition, as it is a medical plan.

AIA can accept medical plan for people with medical condition without terms?

what is the different btw smart extender and smart extender max from GE

kinda confusing, btw i am not planning to buy, just my friends colleagues mentioned about it and i don think want to ask their agent later they come find me

i notice prudential is more competitive as my friend intro to me previously

just my 2 cents, it always depends on what we need i feel

Dear,

Smart Extender - For existing GE medical plan or new GE medical plan owners to add in extra rider.

Smart Extender Max - For other insurance company medical plan owners in Malaysia to add in extra rider.

Both riders allow owners to enjoy high annual limit, no lifetime limit.

https://m.youtube.com/watch?v=fJIt4K9WqSA

oh thanks... then my friend is using max

Prefer to get confirmation from your HQ

This post has been edited by lifebalance: May 5 2016, 01:01 PM

if the case is substandard then it will be subject to underwriting whether there will be exclusion, loading or reject.

Does that answer your question ?

This post has been edited by lifebalance: May 5 2016, 12:34 PM

Seems like some forumers are no longer on this thread...posts also deleted? Guess the complaints worked.

how old is your comparisons based on? and also gender... occupations.. smoker or not, thanks!

Wow you finally "terminated" that dude. How did you do that lol

This thread was awesome last time. Very informative.

But now it has turned into agents bickering on which company's plan is the "best"... which is futile, not to mention childish.

I hope we can stay informative, and do our level best in terms of service and advice given, not comparing products or trolling each other.

And for genuine forumers here to look for information, please remember that your policy is useless without a good agent with planning arrangements that suit your style moving forward.
As an agent, I am only as good as how well I can complement your objectives/portfolio. I can be great with a lot of people, but I may still not be the right fit for you.

There's no "best" plan or company or product. Each has its own pros and cons, and the respective prices, rates, etc. Better terms leads to higher rates, and the same is true vice versa.

This is an odd question. For those who can pay directly at their portal, aside from aia, I know hla is do-able. Hla can paid via hlb using hlb credit card.

Other insurance conpany should have though can't say for certain. I think tokio marine also can.

The option should be available across all companies.

However, why don't you want it to be on auto-debit?
I'm curious.