care to explain further?

This is just an execuse. They should reply you that in order for us to answer your question, your email address needs to be in our system or you use the same email address as registered.

Did they?

no medical coverage meant?

if death due to medical condition after 2 years,  its still covered right?

Slight off topic, on last week I have this stomach pain and the clinic doctor told me it is because of my sleeping and eating habit etc.

I contacted my insurance agent and I told her that I wanted to get a full body check up at a hospital/medical center, my insurance agent told me that if after my check up, the doctor advise that there is no operation/surgery needed, I will have to bear the body check up fee. If surgery is recommended by doctor, then I can claim from my medical card.

However she also tell me that another option is that I get a recommendation letter from a clinic doctor, then use that letter to go for body check up at hospital/medical center, then I'm entitled to claim the body check up with medical card.

I'm quite skeptical. Any sifu here know about this?

Hi sifus,
Which is better.
Get a yearly standalone unlimited medical card @1k/yr + life insurance with high payout.

Or

Combined policy but payout is less with higher premium

Finally surrendered my GE savings plan and get back some capital + popit.

Feeel my burden is good now

You want simple interest or effective?

I think the counter gave me wrong info on my total payments and I would need to check back

Effective interest: 1.165%

This is on my surrender value + Survival Benefits Balance + Cash Bonus Balance

Hi all insurance gurus, any advices?

my dad had brought a AIA insurance around 10-20 years ago (as what i remember we got pay punctually for around 7 years like that)
but due some financial issue we had stop paying it 7 years ago,
can my dad still walk in AIA and check any cash from policy can be witdraw for his retirement use?

but i saw the article below on their website....means all burnt?? i was student before and unaware this clause , if not i will ask my dad witdraw all cash value out...

b)      If your policy has enough cash value, an Automatic Premium Loan (APL) will be triggered if premiums are not paid after the 31-day grace period.

This means the APL will be used to cover your unpaid premiums. Once your policy’s cash value is used up and the outstanding premiums are not paid, the policy will no longer be active. Please note that interest is charged on the APL at the current rate, which is subject to change.
https://www.aia.com.my/en/help-support/faq.html

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 ?

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

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?
If the low annual limit is from insurance company A, and the high annual limits is from insurance B.... I can decide to claim from insurance B only. Knowing very well that if claim from A, it will burst its limit.

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.