Dear,

If you have a saving that shows RM100 in return for RM1million do let us know. Plenty of us in this forum would be interested.

Insurance is not everything but insurance is the only thing to pay for "unknown future medical expenses"

Dear,

I agree with you that it will only get more expensive to go for an operation. I agree with you that every insurance has its scope of coverage.

I don't practice medical so I'm not in a right position to advice. From my understanding whats dead, you must remove it from your body. Including your tooth. Case to case. If you do have a dead of half dead tooth its advise to remove it instead of doing a root canal because root canal can cause heart disease. Of cause "the doctor" usually will advice you to do a root canal because it cost 100 times more than to remove it. Google it over the internet.

Root canal aside. If you choose not to remove your tooth therefore it means to retain it for beauty purpose. Sorry to say most insurance company do not cover beauty surgery.

Lets talk about other serious diseases that involves the organs which will cost 10-100 times of the dental fees. It is classify under critical illness, for standard cases it will be covered.

https://en.wikipedia.org/wiki/Focal_infection_theory

Good read before you laugh... you could be one of them...

Dear,

Its nothing funny most already know insurance do not cover dental. Today dental has evolve, people don't only go see a dentist due to infection, fair amount of people are visiting the dentist for beauty purpose (braces). Imagine some one has crooked set of tooth?

Dear,

For husband and wife case, I may suggest you to do absolute assignment. Your husband to absolute assign the policy to you. An example, In order to change from you to your child, your husband need to assign back to him self, then only assign to your child. That way its a must to get permission from the policy holder and not simply nominate Tom Dick and Harry as a nominee / trustee.

It is a good practice to review your policy yearly so that you will know where you stand financially and update your nominee / trustee. Same goes with EPF…

Dear,

Once you have nominated someone as the beneficiary. He or she is legally entitled the policy benefits upon the policy holder's demise, therefore the nominee must be consented. It applies to asignee and trustee too.

Dear,

To put it short yes.

Dear,

Just show death cert as proof of death that nominee is no longer here. Auto void when nominee pass away.

If still want to maintain policy, re appoint a new nominee.

Dear,

Don't be confused. The original question is policy holder wants to surrender policy, does it require nominee's consent? Yes it does, but what if nominee pass away? Then just provide death cert as proof.

1 Answered above.

2 You do not need.

Many of us here miss out the other part of insurance which is coverage, TPD, 36 CI, income tax saving and many more. There is a Chinese saying, if you die tomorrow thats fine, but what if you don't die? What if you are paralyse? What if you are disabled? What if you got a critical illness and cant continue working for the rest of your life? If you die, you leave behind debts, if you don't die you leave behind a burden to your family members…

Dear,

To make things really clear, CI falls under "Insurans Pendidikan dan Perubatan RM3000 terhad" You have got to find out what type of policy you are holding because different types of plan has different percentage of relief for the above mention relief.

Dear,

It does not limit to Investment Link Policy (ILP) only. Traditional policy do have 36 CI coverage!

Dear,

If your plan has a 36 CI rider it falls under this tax relief column.

Dear,

Sorry you got rejected. Its hard understand the term "Big Guy" what was the reason given for your rejection?

Dear,

The above is not apple to apple comparison therefore its hard to choose. You will need to put both quotations side by side and translate all the "insurance language" into English language. At such a young age for sure you still got chance to upgrade in the future if you are married / with children /etc.

There are plenty of benefits besides just paying …Free consultation is just a PM away …

Dear,

A quick and easy solution to your problem. Just admit into your panel hospital and make sure you spend more than 8 hours in the hospital to allow all the above scans to be made.

Dear,

1. Any hospitalization will be covered regardless if its early stage cancer. If anyone is diagnose with early stage cancer, there will be an additional pay out.

2. It will have to depend on what stage is the "early stage" so usually when you said early stage therefore it might not require (chemotherapy / radiotherapy / etc), Yes treatment is covered.

For female, there is also lady care rider for common female cancers and further more there is also buy back option where you are enable to purchase another policy.

Dear,

If you upgrade to a new medical plan from the same insurance company, there is a waiting period. You are required to sign ROMP (Replace of medical policy) form, just in case within this waiting period if anything happens to you, you will fall back to the old medical card. Before the new medical comes into action you are still be covered by your current medical card.

It is never a waste as your old policy has covered you for 10 years.

Dear,

For medical claim you only receive one receipt therefore you can only claim from one insurance company. No insurance company allows photocopy receipt for claim.


Life insurance is generally all risk insurance therefore if you have two sets of life insurance policy, you are able to claim both. What insurance do you have from your "company one"? This you need to find out.