Hi Everyone,

I really need your advice.

I am hepatitis B carrier, got from my grandparents then to my mom then to me.

I'm currently on follow up with hospital and taking medicine. My liver is recovering and i was undetected for so long already.

I wish to take insurance soon. So have few questions:

1. I don't plan on claiming anything related to my hepatitis b related disease in future. Should i declare and why?

2. If i don't declare, let say i want to claim/req GL for other illness, will they find out about my hep b? and will it cause problem to my claim for other illness that is not related to hepatitis b?

3. If i'm caught that i don't declare, what would happen?

4. GL is issued within minutes to hours, how do insurance company check on the medical background?

5. Say i'm currently following up on hep B with hosp A, but i want to req GL on other illness with hosp B. will insurance company know my medical record in hosp A?

6. will my premium become high if i have hepatitis B?

7. with my condition, which insurance package you think would be the best


Thank you in advance guys!

For Hep B patients, Your application ranges from Loading / Decline depending on your Liver Function Test results.

1. It’s already pre-existing, the hospital already has your records. You can’t go under-declared, if you choose to do so, don’t blame for any claims rejected in the future or your policy cancelled by the insurance company for non-disclosure.

2. of course, liver function tells a lot

3. As per 1. Answer

4. Hospital records / other insurance companies, you can’t cheat the system.

5. Data / Records are shared nowadays in a cloud system.

6. Definitely.

7. I would say apply first and see if the insurance company are willing to accept you then only alter the plan from thereafter.

What's best is what meets the needs.

Honesty is the best policy.

Prudential customer service is damn lousy and bad. If you did not login to your PruAccess for 1 year, your account is inactivated and you cant login until you need to call them for reactivation. No e-mail help is allowed. But when I called them, keep waiting ....

This post has been edited by jack2: Aug 4 2020, 12:52 PM

I would say that each insurance company is generally the same. Most important you are paying for the benefits at your comfortable range of budget and not over-committing.

For your father's age of 66, there are a few ways to proceed with different types of insurance depending on your needs:

1) Investment-linked with life and medical coverage
2) Pure life insurance
3) Standalone Medical

There are people who can accept government hospital for their medical needs, so they only need life insurance. Whereas some people place more importance on better medical treatment, so they would prefer to get medical coverage over life insurance. If you are able to afford, you can go for the best of both worlds.

For your father, standalone medical with annual limit of RM1 million, is expected around RM500 per month. Please be reminded that the maximum entry age for any insurance is 70. Any amount of money won't allow your father to get insurance past age 70.

There might be exclusion on treatment related to eye diseases due to the glaucoma condition, but other than that everything should be fine.

Yes, you should declare absolutely everything. The contract might be declared void if there is any elements of fraud on your side.

It might be troublesome in the beginning to get medical reports and the agent should be able to help you to appeal against the exclusion. Occasionally the insurance company might grant the appeal to include the exclusion depending on the severity of the medical report/diagnosis from the doctor.

If you have pre-existing conditions and submitted all the necessary medical reports, insurance companies can issue the policy with any of the following:

1. Premium loading: Insurance companies will charge extra on your monthly premium and still include the coverage for everything
2. Waiting period: There will be a waiting period of 2 years to 4 years and after the waiting period, the pre-existing illness will be covered.
3. Permanent exclusion: Insurance company will not include coverage for any of the pre-existing illness and the related diseases. Monthly premium remains the same.
4. Policy denial: If the pre-existing illness is very severe, insurance company can reject the application for insurance totally.
5. Accept the coverage as normal

In all these outcomes, I would say no. 1 and no. 5 are the best case scenarios.

I see you changed your post.

Since your dad has glaucoma, your dad's new insurance will exclude all complications related to both eyes. The rest are covered (provided he's healthy).

For someone at his age 66 years old,

Room 500
Annual Limit 980k
No lifetime
Premium Yearly 3600

Very rare to have to look for this topic thread.

I guess a lot of people are very active on share counters nowadays.

Hi, not sure whether this is the right place to ask. I have a medical card given by company which covers Outpatient GP & SP. I would like to do an xray for chiro purpose but I know that will not be covered by insurance. Is there any way I can get the xray to be covered by insurance? Perhaps visit SP to get them to recommend xray?

Generally, traditional chinese medicine (TCM) and chiropractor treatments are not covered under insurance claims because they are considered as alternative treatments. Some insurance companies allow such claims under post-hospitalisation treatment. The condition here is post-hospitalisation so you have to be hospitalised in the first place before you qualify for this claim.

Only if there is a treatment required. And said treatment is performed at the same facility where the xray was done, by your attending physician.

Get a diagnostic done through the proper flow for the claim process.

Was talking to an insurance friend about medical premium sustainability, both of us own a medical card from AIA and her insurance sustainability dropped from 78/77 all the way to 70 yrs old in just one year and mine dropped 2 yrs. Was wondering if you guys face the drastic dropped in your insurance sustainability recently?

To add on I applied my medical card from AIA around 6 yrs back. I remember when I first started the sustainability was 78 yrs old if I remember correctly

Medical repricing is bound to happen over the years and sustainability of the policy will be reduced. This applies to both term and ILP

I'm sure you've received some notification letter from AIA to do necessary top ups to maintain the original terms of the policy otherwise you will have deemed to understand that your policy will end sooner than later.

Recent increase in cost of insurance will be from GE.

Yes I'm aware of that but does the 'drastic' drop happened to all other insurance companies, as the drop is quite drastic, even my AIA insurance agent surrendered her own AIA medical policy and sign up with another insurance company. Dropped 7 yrs of sustainabilities in 1 year is no joke.

Low investment return can also be a factor in ILP.

That being said, you have the freedom of choice to choose to change the funds within the policy that it's investing especially it is related to the economy performance.

If you feel that the insurance company you're subscribe to is just expensive as a whole, you are free to choose to move to another company that offers a more affordable plan.

Anyways what's your main point of asking this?

The point is I want to know if there is a more affordable medical premium out there compare to AIA. I know couple of staff working for the company and they are making a fuss that the AIA insurances are generally pricier than other insurance companies.

This post has been edited by Vincentccw: Aug 6 2020, 09:59 AM

Halo friend,

Your case can happen to any ILP plan any companies.

ILP sustainable depending how your plan been design
Riders in your plan (this effecting COI)
Sum assured (same as above)
Funds choose (different performance & management charge)

And your condition of entry age.

The earlier you start, with good return of fund performance will help reduce the drop.

My recommendation to prospect get the medical plan with sustainable over Age80. May be till Age 83-85
Some buffer for inflation

Yeah my initial quote was 80 but i think i reduce to 78 due to budget restriction last time. And I realised that every year there is a minor drop in sustainability until beginning of this year the drop increased to 2-3 yrs.

Sorry I don't know you personally unless you want to share more about what you're covered at the moment and how much you're paying at the moment and what's the sustainability.

Then what's happening is normal scenario if you reduced premium without reduce coverage

Another thing you can do, check the fund performance in your plan.
May be switch to Fix Income type for time been.

Same to myself. We switch some policies fund in Mar / Apr.
For GE policy holder, they can do it in eConnect portal.