Need help of Sifus here,

Going to enroll my parents for medical insurance, however, noticed one thing on the health declaration:

Have any of your parents or sibling ever had or died from cancer including breast cancer, tuberculosis, diabetes, hypertension, stroke, kidney disease, heart disease, multiple sclerosis, mental illness or any other hereditary disease or any AIDS related condition?

To be honest, this is quite ridiculous as you know our parents generation have many siblings and since we doesnt really keep in touch, so its really normal that we don't know their health condition. Plus, given that my grandparents has already passed away quite a years ago (the latest one is 20yrs ago) and back then I was either too small or wasn't even born, I dont even know their cause of death - for example, my father was not even sure which disease that my grandfather had, liver or heart issues. Cant really blame them tough, they didnt even finish their Form 5.

So, sifu-sifus here, if I just tick NO for this declaration, is it ok? Would it even matter in the event of claim?

Dont tell me to ask my agent, I am buying directly from insurance company so I have no agent to serve me.

Thank you.

I already have a medical insurance - now I am buying medical insurance for my parents, not myself.

I believe 10mil also insufficient. A 50mil should be well prepared.

Not necessarily it's expensive.

Depending on your comfortable budget, an agent will be able to provide you with options from RM2k - RM10k in premium.

But realistically you can consider the following

1) Option 1

- Life/TPD: RM25k

- R&B200
-- Annual limit: RM100k
-- Lifetime limit: RM1mil
-- Deductible: RM2k

Premium: RM3,060/annual

2) Option 2

- Life/TPD: RM25k

- R&B200
-- Annual limit: RM100k
-- Lifetime limit: RM1mil
-- Deductible: RM300

Premium: RM3,660/annual

3) Option 3

- Life/TPD: RM25k

- R&B200
-- Annual limit: RM100k
-- Lifetime limit: RM1mil
-- Deductible: RM300

Premium: RM4,860/annual

So depending on the coverage you're getting for your dad the premium will be charged accordingly. Above is just a sample of what you could get for your dad. Do check with the insurance agent that you're meeting on your options 🤓

Unfortunately for my dad, he's 13 years older than yours so you can imagine the premium I'm paying on behalf 😥

Best,
Jiansheng

a topic was raised from peer, do we really need medical card if we only depending on government hospital?

Not only difference in premium, benefit quite different too...

Hi. I'm on Allianz power link. I've been asking my agent about procedures for endoscopy so he told me it's claimable if there's diagnosis and required for further treatment. So I asked if I got admitted will the fees be covered and he said most likely.

Today I went to do the scope procedures, only to be told that I'm getting "non guarantee" status and that I'll have to pay myself.
This is because my procedure is investigative in nature, unless it's followed by surgery I won't be able to claim. The agent did ask me to submit all bills to try for claims.

What are the chances of me actually getting reimbursed in this case? Already paid for everything and now I'm broke

Thanks

Thanks for the link, I'm also looking into the possibility if I should change my agent but not sure how to go around it
Feels that way, it's my first time claiming insurance so I'm pretty lost, the total bill was 3.5k
Yeah I will still try to submit, just that if I knew that it wasn't gonna be claimable I could look for cheaper places