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Insurance Talk V3, Anything and everything about insurance
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spreeeee
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 Jun 28 2016, 05:06 PM
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QUOTE(Ryannate @ Jun 28 2016, 12:44 AM) We are going to launch mobile app for car insurance. You can buy it yourself just like buying movie ticket or air ticket. Phase 2, the app will cover medical, travel, PA, 36CI and etf...you will have few insurance companies in the app for you to get the best quote of your needs...registration start now, and app will be launch at the end of July... which insurance company? |
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spreeeee
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Jun 29 2016, 04:41 PM
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QUOTE(SnowLady @ Jun 29 2016, 01:16 PM) Starting 1 Jan 2017, all insurers will sell term product either online or branches.. No agents is required. But for medical plan, u still nd to buy from agents or bank. u mean all insurance company? really? |
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spreeeee
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Aug 1 2016, 03:45 PM
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QUOTE(ExpZero @ Aug 1 2016, 02:22 PM) I checked my own policies and these are the wording of exclusion in TPD. Let me write it all out for us to cross checking  CODE Exclusions:
The Company will not be liable to pay any benefit under this Policy if the Total and Permanent Disability of the Life Assured:
3.1 has existed prior to or on the Risk Commencement Date or on the date of any reinstatement, whichever is the later; or
3.2 is caused directly or indirectly by self-inflicted bodily injuries, while sane or insane; or
3.3 is caused by bodily injury sustained as a result of parachuting or sky-diving or engaging in aerial flights other than as a crew member or as a fare-paying passenger of a licensed commercial airline operating on a regular scheduled route; or
3.4 is resulted from the Life Assured committing, attempting or provoking an assault or a felony or from any violation of law by Life Assured; or
3.5 is resulted from war, whether declared or undeclared. Understage without valid driving license drive car is considered violation of law in point 3.5  3.4 u mean.. |
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spreeeee
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Aug 23 2016, 11:59 AM
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for auto insurance, say going to expire on 1/sept, and i renew it 2 weeks earlier say 15/aug with ncd 55%. what would happen if car met accident on 22/aug and need claim from insurance co. for car fixing, any impact to the earlier renewed auto insurance?
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spreeeee
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Aug 23 2016, 02:40 PM
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QUOTE(SGSuser @ Aug 23 2016, 01:57 PM) are there any medical cards still offering co-insurance these days? i believe there are.. |
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spreeeee
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Aug 23 2016, 08:33 PM
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QUOTE(roystevenung @ Aug 23 2016, 08:15 PM) No, it wont affect the earlier insurance, but for the next renewal, the NCD will be zero. Ok, noted, thx... |
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spreeeee
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Aug 24 2016, 11:50 AM
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QUOTE(terubotzu08 @ Aug 23 2016, 09:31 PM) Happen to me. Renew car insurance earlier but after that got accident. Receive letter from insurance company to pay back the NCD. Am assurance.  so did u pay the extra? if not, what would happen? |
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spreeeee
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Aug 30 2016, 05:32 PM
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those who take monthssss to compare 'best' medical card (or protection), by the time decision made and touchwood anything happen is already too late (the monthsss taken already good enough to cover the waiting period). so make fast and wise decision, jz my 2c.
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spreeeee
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Sep 7 2016, 05:54 PM
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do we need to declare high cholesterol when buying a policy? the "high cholesterol" is jz from normal blood test from lab, and there is no medication needed, jz need control diet/lifestyle.
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spreeeee
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Sep 8 2016, 05:52 PM
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QUOTE(lifebalance @ Sep 7 2016, 06:33 PM) the report was since january 2016, and i would like to apply new one today.. so based on the old january report for the cholesterol figure? |
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spreeeee
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Oct 7 2016, 04:49 PM
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GE sifus, can enlighten what is the C001 clause meant? no claim if caused by motorcycling? this is my dad's policy, mostly on motorcycle..  |
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spreeeee
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Oct 7 2016, 05:00 PM
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QUOTE(lifebalance @ Oct 7 2016, 04:56 PM) From what I get online This Policy is extended to cover the Insured Person as within defined resulting from engaging in motorcycling, provided always that this extension does not apply to any Accidents arising out of motorcycle racing, pace-making, reliability trial or speed testing. means if legal accident during motorcycling, can claim.. right? |
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spreeeee
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Oct 7 2016, 05:53 PM
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QUOTE(lifebalance @ Oct 7 2016, 05:09 PM) Yes, of course. To be sure and to confirm, normally the policy you have will state what is the motorcycling clause. But generally the clause should be similar for Personal Accident unless a company defines it diffirently. thx.. but if any GE agent to reconfirm will be even better |
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spreeeee
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Oct 12 2016, 03:12 PM
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any standalone medical card that can apply online?
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spreeeee
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Oct 21 2016, 03:28 PM
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based on this tokiomarine product, yearly premium is much much lower compare to other standalone medical card? for age range of 56-60, r&b 200 plan, yearly premium is only RM439.90? http://www.tokiomarine.com/content/dam/my/...lus-English.pdfThis post has been edited by spreeeee: Oct 21 2016, 03:58 PM |
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spreeeee
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Dec 1 2016, 05:08 PM
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QUOTE(Allianz @Eagle @ Nov 29 2016, 08:53 PM) Just google around, have a look at different sources. This is just one of it. http://www.howtofinancemoney.com/2016/03/b...d-malaysia.htmlLonpac Smart Medic looks good-ing  |
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spreeeee
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Dec 2 2016, 10:15 AM
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QUOTE(lifebalance @ Dec 1 2016, 07:44 PM) 20% co insurance, definitely will be cheap but you'll fork out more than you save for the premium if it's a major surgery however, from the link provided.. the product name is Smart Medi 2.0 (no co-insurance), but i could not locate in Lonpac official website.. and only can find MediSecure.. not sure if they are the same or not.. |
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spreeeee
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Dec 2 2016, 10:16 AM
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QUOTE(lifebalance @ Dec 1 2016, 07:44 PM) 20% co insurance, definitely will be cheap but you'll fork out more than you save for the premium if it's a major surgery however, from the link provided.. the product name is Smart Medi 2.0 (no co-insurance), but i could not locate in Lonpac official website.. and only can find MediSecure.. not sure if they are the same or not.. |
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spreeeee
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Dec 8 2016, 05:36 PM
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any recommendation for Motor insurance renewal for old car approaching 15 years? currently MYEG no longer accepting online renewal due to old car. Was quoted by Zurich Takaful, but min sum insurred was 12K for Comprehensive (last Comprehensive cover, nxt year 2017 renewal only can apply 3rd party cover) causing the price quite expensive.. usually thru MYEG only getting 6K sum insurred.
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spreeeee
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Dec 14 2016, 12:05 PM
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any recommendation for Motor insurance renewal for old car approaching 15 years? currently MYEG no longer accepting online renewal due to old car. Was quoted by Zurich Takaful, but min sum insured was 12K for Comprehensive (last Comprehensive cover, nxt year 2017 renewal only can apply 3rd party cover) causing the price quite expensive.. usually thru MYEG - 6K sum insurred.
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