Singapore scientists discover virus strain linked to a type of cancer Cantonese speakers are 20 times more likely to get

The most common type of head and neck cancer in Singapore has been linked by scientists to a unique strain of the Epstein-Barr Virus (EBV).
EBV-infected individuals from the Cantonese dialect group are 20 times more at risk of developing nasopharyngeal carcinoma – otherwise called Cantonese cancer – than people from other regions or populations, the Genome Institute of Singapore (GIS) said.
https://www.msn.com/en-my/health/medical/si...ocid=spartanntp

are you covered?

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.


Haven't claim anything from them because of the rejected GL request. I'm hoping if there is a new TnC, they should send me a copy and highlights the changes.

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

He did follow up, received mssg from him on the rejection and an apology about it. But I feel he also was subjected to the Claim Dept's final decision. I have no idea what else he can do. He thinks it was rejected because the diagnosis might be related to my pre-existing condition.

So far no reply yet from them, but I just want to settle this confusion for future peace of mind.

Thank you so much for your advice.

Edit: Smy quote doesn't seems to work

This post has been edited by River: Jun 21 2019, 11:32 AM

[quote=River,Jun 21 2019, 11:30 AM]
Haven't claim anything from them because of the rejected GL request. I'm hoping if there is a new TnC, they should send me a copy and highlights the changes.

[QUOTE = lifebalance,Jun 20 2019, 10:40 AM]Question is, where is your agent ? shouldn't you be asking for his/her assistance ?[/QUOTE]

He did follow up, received mssg from him on the rejection and an apology about it. But I feel he also was subjected to the Claim Dept's final decision. I have no idea what else he can do. He thinks it was rejected because the diagnosis might be related to my pre-existing condition.

So far no reply yet from them, but I just want to settle this confusion for future peace of mind.

Thank you so much for your advice.

[/quote]

Rejecting a GL because of the diagnosis might be related to Pre-Ex is really an amateur claims job. You have a strong case because both diagnosis and procedure are not the same.

Since you have already used your other cashless card, you would not be able to claim unless you want to transfer the cost from the other insurer.

Hi all.

Looking for advice.
Ive ge smart protect essential where ive been paying since 2011.i terminate rider medical card smart medic somewhere around 2013. Now can i add different medical card back and whats is your recommendations?

I call the customer service, they say need to go to office.

Yes, you can add in the medical card back. Smart Medic Extra + Smart Externder and with some top up of premium -recommended (RM50-100/month). If no agent representative then you need to walk in to office to fill up forms and sign.

Hi speedo. You can add the medical card rider back to your existing plan.

1. If budget allows, go for
[SmartMedic Xtra 200 + SmartMedic Enhancer 200 + Smart Extender]

2. or cheaper alternative
[SmartMedic Xtra 200 + Smart Extender] OR
[SmartMedic Xtra 150 + SmartExtender]

SmartMedic Xtra & SmartMedic Enhancer brochure
Smart Extender brochure

This post has been edited by ckdenion: Jun 21 2019, 02:11 PM

Thks! Ewa Wa

Really helpfull as well. Thks!

I received letter saying that my medical insurance fee will increase. I am thinking not to agree for the increment. Not sure what will be the impact.

Anyone ?

If you don't agree to it, you may choose to maintain the same premium you're paying now, but your policy will lapse faster.

mind to share what does it means "lapse" faster ? meaning the insurance not longer valid ?

Means your insurance benefits will no longer be available to you.

your policy sustainability will reduce. meaning to say policy will lapse earlier. in layman term, "lapse" is when premium paid + cash value is not able to cover insurance charges anymore thus policy will not be valid anymore.

Hi

Need recomendation, was thinking to buy termlife insurance with ci coverage. Anyone can recommend which company is good?

Heard that by 1st July Bank Negara will revise insurance premiums...how much is the expected increase, do you guys know?

KUALA LUMPUR: Insurance premiums will not be going up for current investment-linked product (ILP) policyholders following the implementation of new guidelines for ILPs by Bank Negara Malaysia on July 1, 2019, says Life Insurance Association of Malaysia (LIAM).

Read more at https://www.thestar.com.my/business/busines...QuJyvpULZbeR.99

.............
quashing the misleading information by insurance agents who claimed that the premiums would be going up following the introduction of new guidelines. ........Chief executive officer Mark O'Dell said

This post has been edited by MUM: Jun 22 2019, 09:55 AM

There is no revision of premium as highlighted by LIAM

It’s just a change in structure of how insurance premium is being allocated within the first 10 years instead of 6 years.

Want to know currently, I am paying monthly. Is it good to switch to yearly? If pay in annually, is the cash value different big?

Thanks alot, guys, I did some quick Google search earlier but couldn't get relevant results. And not sure with how insurance works to be feeling confident of what I've read so far in relevance to the info I got from my agent.

But to be clear, if I have yet to sign up for this MLTA and life insurance that I'm still reviewing, is it gonna affect my premiums since it's new and not ongoing?

Thanks again.

there has been postings by forummers regardings premium increased by a lot of % last few months....

also even if I gonna increase ....what can one do if one want risks mitigation thru insurance like life insurance or MLTA etc etc