Helping my aunt to look for medical insurance for her 12yo child.

Need medical insurance that cover acne treatment, dental braces (overbite/underbite) and obstructive sleep apnea.

All of these are non preexisting condition for her child.

But knot find. Why medical insurance so lapsap.

This post has been edited by pigeot23: Dec 26 2019, 09:38 AM

Insurance cover dental? Got meh?

i don't think any insurance company would cover those

wow ... want insurance kautim pre-existing conditions ? in your dreams.

Get a credit card la

Non preexisting condition....
Her child only 12 yo. No acne now. No obsturctive sleep apnea and so far nth wrong in teeth yet.

This post has been edited by pigeot23: Dec 26 2019, 09:40 AM

you cousin has face problems
i guess it runs in the family

dental and acne are cosmetics la, no company will cover that.
tell you auntie to fly kite

how about you open your own insurance company

hahahaha sohai

sendiri insure sendiri la

Then why single out those conditions in your wish list?

dont ask here we are not insurance agent

Mr Google

https://www.aia.com.my/en/our-products/life...uperjunior.html
https://www.prudential.com.my/en/our-produc...umy-child-plus/

But i dont see medical plans to pay for acne and dental braces ( these are not life threatening risk)
obstructive sleep apne i also dont see

ask an agent for better advise

Insure it using your own bank account. Set aside some money and don't touch it

Prevention is better than cure people say..

U from what planet looking for those coverage ?

ts ownself lapsap, he/she doesnt realize

This post has been edited by LimauKering: Dec 26 2019, 09:49 AM

If you pay few hundred bucks a year and expect insurance coverage for braces/dental.... dream on...

They are not charitable organisation....

Insurance dont cover fat and ugly

gets RM50/month insurance,
expect cover mountain n sea.

I am sure some smaller insurance company can customize a package for it one... just that whether the client willing to pay or not only

This post has been edited by duHwaN: Dec 26 2019, 09:50 AM

Where got insurance cover acne and dental lol?
At least not for personal insurance lar.
How much you want to pay for such insurance?
Pay RM 200 insurance - claim back 500 for dental?

You might find such insurance that cover dental but thats for corporate. Not for kuli paying RM 200.

Well we are peasants and don't do special insurance, not like rich star can insure their face, their leg etc with millions of coverage.

Lagipun insurance is for critical illness and hospitalisation, surgery etc. It doesn't cover face beauty and tooth brace etc. Unless if operation of mouth serious one can get advise from agent.

even for dental, my company med card cover for cabut & tampal saje
no scale, no polish too

Insurance industry as a whole are leeches. They avoid covering whatever that they can. Just look at the exclusion lists.

acne and dental? what kind of insurance is this

insurance works best when cover high damage low occurrences incidences. insurance totally useless if you want it to cover low damage high occurrences incidences.

No wonder your parents hold all your cash.

Because you are too stupid to handle anything in life.

ya agree, it is bullshit.

last week i disclose that i had minor sinus problem that i had in year 2012 and that is fully recovered just by taking one coarse of medicine recommended by ENT specialist , die2 ask me to sign exclusion for it.

sighhhh, like that better not disclose anything la.

insurance did not cover braces, acne problems and underbite nor overbite. i did mine at island hospital last time was recommended by my orthodontist it cost around 2xk and 5k extra for braces.

u dont disclose but in future if they find out your non-disclosure, they cancel your whole policy, lagi rugi.

nvm, you can still apeal against the exclusion. if they dowan your money, ma find other insurer lor. if all insurer oso dowan, then the problem is not the insurer but yourself. the problem may be minor in your eyes, but is a major factor in theirs.

kek

You will want to kill your agent when you cannot claim in the future because u didn't properly disclose.