Since the plan specifically covers only female diseases then you will not be entitled to claim for the above.

This will fall under medical card claim.

Thanks

Life or general ?

Oic, can't help you on that. Gotta source urself. If you're open for other company medical card benefit can ask around here.

Lonpac is a General Insurance company, they do provide standalone medical card.

if you want to do a comparison, it will be endless, I suggest you pick a good agent that service you for medical insurance.

For life policies, I'd advise you to pick it from a Life Insurance company as the benefits are normally more extensive.

Refer back to the posts above and you'll roughly get your answer.

Life insurance coverage will be used to pass on to your next of kin so that the issue of money with the breadwinner is gone is not a problem

TPD is normally packaged together with life insurance so that upon disability the living person don't have to suffer financially when he might be unable to work for a long period of time or totally can't work in the same job based on his experience and ability.

Medical card for all hospital bills, used to pay for all high cost hospital bills in the event of hospitalization due to disease, sickness or accident.

Critical illness is not normally packaged together so you have to add on yourself. Covers all 36 critical illness or another rider that covers early critical illness as well.

ILP is basically where you pay extra amount for investment in this policy so that the insurance company will invest it for you while providing you a insurance coverage while any return will be given back to you in the form of cash value. However returns are non guaranteed and premium you spend could be lower compared to a traditional plan

Normally will be advisable to tag in as a person who survives critical illness would normally need to spend more in their lives due to change of lifestyle or diet and lost of income.

If you ha e critical illness and you survive. Just file a claim that you are diagnosed as such while at overseas.

If you talking about medical card then you may be treated overseas or choose to come back to Malaysia for the treatment. Also provided you are within the 90 days travelling abroad term otherwise you can't claim if you have travelled for more than 90 days abroad.

Compliance with the shariah law which means it adheres to the teaching of Islam. Muslim are recommended to take takaful otherwise they will still be subjected to islamic law such as the distribution of wealth upon deceased.

The product Feature might be similar to conventional but the terms and condition are not. Please do not mistaken takaful = non takaful.

As per the above link posted you may refer to the difference via the link for own study.

Nope, unless your policy has that feature stated in the contract.

The policy cover note will state when is the expiry or maturity of your policy, certain ILP policy might not have any cash value at all upon maturity. Depending on the product that you've bought.

99% would be a big slap of generalization towards insurance industry based on your point of view though.

Seems to be rojak with Pathlab, Lonpac, Asia Assistance.

Not sure about the cost of insurance but it could be higher due to so many other add on with Pathlab health screening and etc.

Perhaps you can call their helpline in their website

new version of supersound, speaking of the devil, where is that guy.

This post has been edited by lifebalance: Jul 13 2016, 10:08 PM

Just make sure to follow the guideline and file the claim within the time frame stupulated in the policy and the insurance company will follow back the standard procedure to payout any claim if there is no doubt on the claim.

Lol

As usual only share the bad news when there are also good news. Why not be a fair reviewer rather than 1 sided ?

1. Malpractice by agents who don't follow guidelines would be dealt with their own insurance company. Happens to any industry out there. Lawyers, doctors, accountant, auditors, are they all saints ? why put the blame to just insurance industry ? are they any different ? are salesman of any company different out there different when they mis-sell and promise the heavens in advertising, healthcare, etc ?

The summary of it is integrity and ethics, it's too bad that somewhere in our walk of life we meet some of these people, unless your life had been a bed of roses and everyone is treating you well, then good for you.

2. Insurance company has every right to investigate or doubt a claim
a. Not because they don't want to pay out anything but because if they do doubt a claim to cheat insurance money which happens alot including General Insurance (fake a windscreen broke when they just want to break it to claim a new 1 , set their own building on fire to cash out quickly on a property but claim it's arson ).

Well you can argue that those are not medical claims, so what about undeclared personal health condition upon inception of policy, hiding material facts, working with the doctor to jack up a medical bill which is out of the norm and claim back later for personal use ?

You think we've not seen it all ? Faking death, missing and then claim a high sum assured later to found out that person ran away and hid somewhere and claim insurance money to live a life somewhere else ?

b) If the insurance company is satisfied with all the material fact, payout is definitely.

How off topic am I when I'm relating it, don't try to deny about that.

If the underwriter does not require an applicant to go through a check up based on the declaration then it's fine, otherwise, if you have done some check up yourself and still insist to the agent to write you as a standard case then it's the applicants fault. If the agent were to apply as per standard knowing the client has health issue then it's the agents fault.

Now slap out of all these negative talks and start behaving like a proper person than a critique who endless blame insurance even knowing that it's not entirely the insurance company fault as the applicants who apply who for policy.

The steps are so simple to follow yet people can't seem to follow
Insurance company provide the coverage
Applicant provide the declaration of all physical evidence & premium paid
Insurance provides the policy coverage
Applicant files any claim as per within policy coverage
-- Done --

So hard to follow ?

Top 3 insurance company easily 1 Mil above annual limit. Why opt for 650k ?

This post has been edited by lifebalance: Jul 18 2016, 12:38 AM