That depends if you're willing to pay RM20k upfront first before the insurance company pays the balance for you.

If your Hospitalization fees comes to RM25k only, you have to pay RM20k first before the balance 5k is paid by the insurance company.

In other ways, you get to save on your insurance premium and get a coverage but at the same time you are forking that premium in the form of deductible up front.

Up to you to decide if you want it with deductible or not depending on your finances and personal planning.

No, because ILP is dealing with investment so there is no sure fire way to say which is more or less.

But one thing is certain is that the cost of insurance charged in ILP medical rider is lower than standalone itself based on my research.

The uncertainty comes with the investment returns which may be lower or higher depending on the fund risk you've invested into.

Any Insurance Agent in Johor area? Can PM me please

can ask about AIA, what is the different between

Aplus Lifelink vs Lifelink 2
disabilitycare vs disabilitycash

if got diff, what is the update?

Also, can anyone explain to me how does the 20% increase every 2 years work on aplusmed annual limit?

I got a medical card with Allianz (umsir200) but it comes with an exception- Ovarian Cyst (that's what they wrote in the policy). So earlier this year, I tried to use the card for uterine fibroid operations, but it was rejected. Lucky I got company insurance to cover for the operation.

Now I got a bit worry. If they don't cover Ovarian Cyst, does that mean they don't cover uterine fibroids? Because for me, ovary is different organ from uterus although they are part of reproductive system. Does that mean my whole reproductive system won't be cover by the medical card? What happen if the worst thing happens and I got cancer in one of those organs (ovary, uterus, cervix). Does that mean they won't cover it too?

Talked with customer service before I submit I give the card details to the hospital, and you know la their answer- they couldn't give an actual answer and just advise to submit the application to them. I wish they could properly listed down the exception in the policy rather than just give me two words like that.

Hi guys, can you recommend me a life insurance.

I already have some choice, just want to compare and other better option.

thx.

Both diagnosis are different and they should not have rejected your fibroid operation unless the exclusion is for whole reproductive system.

https://www.thestar.com.my/business/busines...dQ3UBubyDQzj.99

if your claim had been rejected, kindly contact with the insurance company you are subscribe to and find out the reason of the rejection from the claims department.

If you are still unsatisfied with the answer from the claims department, then it's up to you to decide to stay with the insurance company or use a different company. However bear in mind that since you've done a claim for the fibroid, any new submission will also exclude on this pre-existing illness.

What is your current quote premium and benefit

Yea, that's why I tried to request for GL to cover the operation. Got to admit I was disappointed when it got rejected.




I think I'll do that. And if they inform me that ovarian cyst = uterine fibroid in their definition, then I need to request an updated policy that excludes ALL the conditions, don't simply put Ovarian Cyst in my policy and reject my request for something that's not related to it after all.

Will consider changing insurance if the premium is cheaper or something, since I got two pre-existing conditions now if I want to swap insurance.

I am looking at Allianz Premierlink. Haven't get the exact quote, but roughly know the price.

I prefer those investment linked, so that I can have second option to cash out when I need money in future.

I see, sorry not with Allianz, can't help you with that.

Hi River,

Do let me know if you require any assistance on this matter.

Best,
Jiansheng

When the TPA rejected your GL request, didn't they give you a copy of the rejection letter?

With that you can certainly file an appeal citing the reason of not the same diagnosis to the Claims Dept.

If their Claims Dept. refuse to honour the hospital charges, next alternative is to lodge your case with Ombudsman for Financial Services.

I would think you would get a decision in your favour.

They didn't. I didn't receive any rejection letter or email. Just got a call from hospital to say my GL request was rejected, and do you have another insurance that we can use to cover the operation? So I gave them my company's insurance details instead. The rejection letter was probably sent to the hospital? Maybe.

Thanks for your advice. Really appreciate it. I just wish they could be clearer, if they don't cover the whole reproductive system just said so in the first place la. Now I wonder if they going to send me an updated policy that exempted both ovary-related and uterus-related conditions. Can they do that? Changing the exemption while I'm still covered under them? Which is different from the one that I signed up for? hmmm...

Thanks.

You will normally receive a notice from the Insurance company stating your GL is declined (whether in SMS/App/Letter), if it's not part of their SOP, make sure to call them up to find out what happened.

As for review, you will need to notify the insurance company on changes of your particulars.

Question is, where is your agent ? shouldn't you be asking for his/her assistance ?

Anyone knows about Great Eastern Great Flexi Plus? Can share some on the pros and cons?

it's basically an endowment plan with limited payment term (5, 10, 20 years)

Pros and Cons ? what are you comparing it with ?

It's basically a savings plan.

The Insurance co cannot simply impose a new exclusion if you have not made a claims against them.

However they can change or impose any new terms & conditions if you have made a claim and it is a yearly renewal policy.

if you can cover every first 20k of the bill, then i see no issue on it. so long you know what coverage you are getting for.
PRULink Asia Managed Fund. What do you mean by "being quoted prulink asia managed fund"? basically it is a purchase of unit trust funds from Prudential. Can't comment much on that because it still depends on your investment planning towards your own financial goal.

if can, check and see is there any changes in the plan benefits after the premium increment.

not really. its very subjective to determine like that.

what is the exact clause about the exclusion? there must be a full clause for it.

life insurance is kinda straightforward. more or less the same for every company.


if you already have your own system of forced savings, then its better to ignore this plan.

Thank you for your feedback. Haha