Currently with GE smart medic 150 , with co-insurance, bought in 2010.

Assume upgrade to smart extender now, deductible of RM90,000 per policy year. Will the premium increase?

For smart extender, I'm quite confusing from the conversation and need to clarify. Let's say medical fees of 300k in local hospital, 90k will paid with medical card, remaining of 210k will be use smart extender. Both are directly charge to GE with GL right? That mean claim under smart extender will no require pay by policy holder first and claim back later.

This post has been edited by reeve-826: Sep 15 2017, 11:21 AM

I have question before consider to upgrade existing investment link insurance plan.

After upgrade policy and policy holder go for medical check up, find out dignosis of critical illness eg cancer or serious illness. Assume the illness has not been discover in few years passed. Will the insurance company reject the upgraded insurance policy? Follow back the old policy? Or insurance policy totally void?

In case medical report declared in healthy condition or we don't go for medical check up before the upgrade if insurance company don't request us to do.

Just later (after 3months) go for full body check up or specialist check up find out policy holder dignosis tumor or cancer. It's mean the upgraded policy is invalid too? Is it have any freeze period for policy in force or anyway to ensure ungraded policy can be use?

I always heard ppl said please ensure enough insurance coverage before go for full body check up.

This post has been edited by reeve-826: Sep 16 2017, 07:32 PM

My friend bought AmMetLife investment link insurance 3 years ago, thinking to upgrade or swift to more popular insurance companies.

To be honour, I never heard about Ammetlife maybe no too mainstream 😅 . Do anyone can share their background like do experienced of slow processing claim etc?

😉☺☺😉

Losses on the account value for first few years probavly due to commission portion. If upgrade the policy, commission will start over, it mean premium still allocate less value to account?

want to ask everyone on NCD , currently insurance policy with 0% NCD where the policy will be expired on 29 Sept 2017. If i sell the car now and transfer ownership at JPJ completed on 20th Sept 2017. However there is 9 days more to reach 1 year, i don't cancel the policy and let it til expiration date.

Will i have 2nd year NCD of 25% when i buy a new car next month?

No one know the answer? 😅

Just check with insurance hotline, as long as don't cancel the policy and let policy serve enough 365 days. Will entitle the next year NCB

I called twice with 2 difference customer service, I got the same answers.