In GREEN

For Life Insurance coverage, suicide after 1 year is covered.

For Accidental Insurance cover, suicide is forever NOT covered.

So kindly be clear on this.

1) Personally I would buy a medical insurance plan myself while I am still healthy. Even though the company covers medical insurance, but you may leave the company one day, or until age 55 when you retire the medical cover is gone and that time your health condition could have changed to the worst, nobody knows what the future holds for our health.

2) If the 36 CI plan covers death benefit, then yes there will be claim, so 36 CI plan does not provide death cover, then there is no claim payable upon death on the CI plan itself.

3) Under the Presumptive Death principle, when the insured/ owner and nominee passed away simultaneously, it would presume that the older person will pass away first. However, in any circumstances, the insurance company can proceed to ask for the Grant of Letters of Administration (LA) (by Owner's estate or Nominee's Estate?) before they decide who to pay. So please ask the insurance company whose estate LA they need, it is tricky isn't it?

is it true we can claim pa insurance multiple times if purchase several pa insurance?

i saw some pa insurance claim they pay regardless of how many pa insurance you bought but most dont mention this

Which insurance company offers pure standalone medical card?

most insurance company have. How can I advise you ?

PA can buy as much as you want.

you mean can claim from multiple pa insurance at same time?

Do you currently have medical coverage? Are you looking for one?

Yeap just like life insurance.

from what i read
medical expenses can only claim once but demise and disablement can claim multiple times is it correct?

Life inuance can claim from multiple policies

For the medical card you can claim from 2 card

E.g you got a company card and a personal card

Read back your policy, simple only. Any insurance agent in Malaysia will tell minimal of what stated in policy especially in the exclusion part and under what condition your policy will deny your claim.

In the insurance brochure will state all the exclusion part already. Caveat emptor applies.

Well, I only believe what stated in the policy only, can we claim using the brochure?

Should be able to. Bring the policy and brochure to proof.

Any misleading in the brochure not tally with your policy content. Basically you can make a police report and sue the insurance company under advertising act.

Dont say things like that without explanation. Normal layman may misunderstand.

For those who works in sg and have company's medical card, buy insurance in msia / sg, which is better

It can turn out to be a misleading statement.

You cannot claim double for medical card.
You claim either one, and only from 2, if one of them is insufficient.