received notice from my GE agent:

Special Announcement: Great Eastern Life Malaysia (GELM) extends medical coverage for hospitalization treatment related to Novel Coronavirus (2019-nCoV) within Malaysia

With the concern of outbreak of the Novel Coronavirus (also known as the Wuhan coronavirus), we wish to inform that GELM will waive the “quarantine” exclusion for treatment related to the Wuhan coronavirus in hospitals within Malaysia.

The general exclusion in our medical products referring to communicable disease requiring quarantine is as follows:

“…and any communicable diseases required quarantine by law.”

This means that we are extending our medical coverage to customers who require treatment related to the Wuhan coronavirus for treatment in hospitals within Malaysia.

How about the rest of company?

Would like to query on insurance exclusion clause for "Pre-Existing Illnesses".

I had an accident and have a internal fixation on my arm since Nov 2018. Back then I was using my family's corporate insurance coverage for the surgery & treatment under MiCare Plan. Right now I'm not covered since 2019 under that plan.

Would like to know if I were to purchase a separate insurance plan on my own, does wanting to take out the internal fixation to be covered under the new insurance plan considered as Pre-Existing Illnesses?

Thank you.

It will be excluded since the fixation is still inside until its taken out

Excluded meaning not covered?
What if I were to get back to the insurance from the time I had done the surgery?

Hi, Prudential also extending medical coverage to customers who require treatment related to the Wuhan coronavirus for treatment in hospitals within Malaysia.

It is like you afraid your car breakdown, so you buy another spare car.
Sensible, if you have a lot of money to burn.

Mostly medical insurance out there as mentioned almost identical coverage won't differ too much from one another.

Unless the policy is still in force otherwise if its cancelled then no, they will still exclude if you take a new plan under them.

I think I just saw GE make an announcement to.

so far, GE, Prudential, AIA, HLA and ETIQA included the medical coverage for nCoV. Most insurance companies will follow I assume.

hi andrew, highly likely the "taking out of the internal fixation" will be excluded. let's say *touchwood* if met an accident again and some surgery is needed on that arm, then its covered. so the new medical plan doesnt cover "removal of internal fixation surgery" only. Once you apply then you will receive the letter from the company before accepting the offer.

Hi guys, isit true that I can’t cancel my old plan for 13 months as I just bought a new policy?

You can cancel the policy anytime, no restriction on the timeline

This post has been edited by lifebalance: Jan 29 2020, 11:51 PM

But I have to wait after 120 days only cancel the old plan right? I’m curious since my insurance agent said that I have to continue pay for my old policy for another 13 months. I’m upgrading from old policy by buying a new policy.

This post has been edited by dannykhoo17: Jan 30 2020, 12:16 AM

For discussion sake, i heard most of the time, private hospitals wont accept such cases (no valid evidence and just based on 'kopitiam' chit chat). They just send to government hospital. And government hospitals charges are as we know is inexpensive

Insurance companies are just doing marketing... hahahaha...

Means he ask you to buy a new policy and you are asked not to cancel the old one otherwise he gets no commission for the new policy.

It’s not an upgrade since you didn’t upgrade it on the existing policy

Ahh I see, any suggestion what can I do now since I’ve already sign the new policy? Is it okay to surrender the old policy after 4 months?

You can still surrender the old policy after 4 months later since it’s after the cooling off period

Noted, thank you so much! Felt that I’m being misled.

if you felt that you are being misled....why not cancel both that policies taken from that agent?
if he can misled you now, can't he misled you again later on other things?

Don’t wanna make so many troubles hahaha. I’ll just stay with this new policy then 😅