I really an insurance noob and hope is the right place to ask. Thanks in advance.

1) Recently I have done angioplasty operation due to coronary artery block. Basically insurance (Prudential) have cover all the costs. No problem with that. My insurance agent told me that I can further claim for critical illness which my policy covers. When I asked my doctor, he says he need to look at my policy to make a report/statement because according to him, some policy might be different. My problem is, I lost my policy after moving to another house which is years ago. I asked my agent, my agents says critical illness policy is similar, should not be a problem.

Does the doctor really need to look at the policy ? How does this type of claims usually works ?

2) According to to customer service, my policy document is not available online. Need fill up the form "Statutory declaration for loss of policy" get it stamped and reprint at costs of RM 30. According to them, need to go Putrajaya to stamp it. I do not know where exactly to stamp such document.

Which government department exactly ? Is this can be done at commissioner of oath ? I am staying in Shah Alam, can this be done in Shah Alam or PJ ?

cash benefit

Does such plan can cover cancer early stages. Now new insurance still cover up to 36 only?

Thanks Ck. In that case can I sum up GE is better then or have to consider others?

Hi can anyone enlighten me on the concept of deductible?

For example number 1:

Med Card A : annual limit 50K
Med Card B: annual limit 1.2M with 20k deductible

Mr A hospitalized and the total bills comes RM 150k. If Mr A use Med Card A first, the first 50k bills will be paid by Med Card A and the remaining RM100k balance will be covered by Med Card B but Med Card B will only approved for RM80k only and RM20k Mr A must pay in cash. Is my understanding right?
in this case, since the first 50k of the bill is already claimed from Insurer A, when you submit the balance of the claims to Insurer B, the first 20k deductible is already fulfilled, so Insurer B will pay the remaining 100k.

If Mr A use Med Card B first can he claim the 20k deductible from Med Card A since the limit not burst yet?
yes the 20k deductible can be claimed from Insurer A.

For second example, let say:

Med Card C: annual limit 20k
Med Card D: annual limit 100k with 5k deductible.

Mr B hospitalized and total bills comes RM 7k. No problem for using Med Card C since it will fully covered.
But can he use Med Card D and claim the first 5k from Med Card C?
yes you can. this is the exact same scenario with the above 2nd situation

There is a school of thought out there that said the annual limit must be burst first then only you can use 2nd card. This means it wrong right?

So your explanation make more sense since whichever card that Mr A choose to use first doesn't really matter because the outcome is same and that is his bill is 100% covered by both of his card.

Why want to buy so many medical insurances.

In theory, yes, claim A, then rest claim B, and another rest claim C.

In reality, you may have lot of troublesome to claim them due to paperwork and procedures in the process of claiming.