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Insurance Talk V4!, Anything and everything about Insurance
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notok
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 Jun 6 2017, 11:55 AM
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Getting Started
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Hi guys, I want to ask few questions
1. is there any other insurance company other than AIA that covers Autism Spectrum Disorder and Attention Deficit Hyperactivity Disorder
2. which option is better for these
a. Traditional product with medical card or plan
b. ILP with medical card or plan
3. Is is true that for AIA medical card, you dont have to pay for co-insurance ?
This post has been edited by notok: Jun 6 2017, 11:56 AM
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notok
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Jun 6 2017, 01:01 PM
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Getting Started
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QUOTE(ckdenion @ Jun 6 2017, 12:57 PM) nope...i refer their product brochures. autism is not covered even in PRUlady or PRUmy child. the new AIA plan which is A-Life Joy & A-Life Lady360 also got nothing to do with autism as well. correct me if im wrong. For AIA, you need to attach rider on top of the A-Life Joy This post has been edited by notok: Jun 6 2017, 01:02 PM |
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notok
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Jun 6 2017, 04:44 PM
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Getting Started
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QUOTE(lifebalance @ Jun 6 2017, 12:01 PM) 1. So far no other company covers specifically for Autism Spectrum Disorder and Attention Deficit Hyperactivity Disorder beside AIA 2. Depends on your need and budget 3. Yes, no co-insurance at all. for no.2, what are the pros and cons for both options ? thanks |
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notok
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Jun 6 2017, 05:56 PM
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Getting Started
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QUOTE(marilyntan @ Jun 6 2017, 05:47 PM) Hi there to answer to your question, 1. HLA does cover Junior CI care on Severe Autism . The coverage covers the severe form of Autism Spectrum Disorder. Kindly refer to the product page for your info https://www.hla.com.my/CMS/Product-Services...uct=738&Sub=9502. Depending on your budgets as Traditional product may be cheap at the young age but the premium will increase at every 5 years capped. The older you gets the more expensive the premium would be. However, if you have budget and wish to lock a level premium, i would highly recommend you to go with investment Link product (ILP). 3. I believe our brother Life Balance has replied you. Thanks. For no3, does HLA also offer the same benefit which is no co-insurance for medical ? and does it renewal guaranteed ? This post has been edited by notok: Jun 6 2017, 06:19 PM |
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notok
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Jun 14 2017, 01:00 PM
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Getting Started
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i want to ask regarding insurance for unborn child.
Does medical rider and junior CI related rider plan commence right after baby is born or there is waiting period before the riders can commence ?
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notok
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Jun 14 2017, 02:04 PM
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Getting Started
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QUOTE(lifebalance @ Jun 14 2017, 01:43 PM) In my knowledge from AIA, the junior CI will start effect while pregnancy where as medical rider will need to wait until you get the birth certificate for medical rider, does it require any doctor report other than birth cert for the underwriting process ? |
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