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Insurance Talk V6!, Everything about Insurance
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lifebalance
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Sep 6 2020, 01:35 PM
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QUOTE(jack2 @ Sep 6 2020, 01:05 PM) I applied medical insurance from Manulife for my sister who is OKU in Intelektual and the underwriter at first requested for 1. Statement for their panel doctor 2. Statement from usual visit doctor During this process, I have visited the doctors many times because of human mistake etc... Then now, they asked again to do blood test. I wonder why don't they request it once at all and not one by one. I have spent may times in bring my sister to do all of these. How about if after done all this, they rejected? This is business and I pay the insurance premium for them to "insure" one. Hence, I am looking for others companies which can access all at once without spending my time to do one by one. Please PM me. There is no such insurance company that ask for everything in one shot. The insurance underwriter will get a few reports first that is deemed necessary. If they need further investigation, they will request for follow up check up
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jack2
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Sep 6 2020, 01:50 PM
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QUOTE(lifebalance @ Sep 6 2020, 01:35 PM) There is no such insurance company that ask for everything in one shot. The insurance underwriter will get a few reports first that is deemed necessary. If they need further investigation, they will request for follow up check up Not really. We have declared everything on her condition and they did not ask for medical check on blood.
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jack2
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Sep 6 2020, 01:50 PM
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QUOTE(jack2 @ Sep 6 2020, 01:05 PM) I applied medical insurance from Manulife for my sister who is OKU in Intelektual and the underwriter at first requested for 1. Statement for their panel doctor 2. Statement from usual visit doctor During this process, I have visited the doctors many times because of human mistake etc... Then now, they asked again to do blood test. I wonder why don't they request it once at all and not one by one. I have spent may times in bring my sister to do all of these. How about if after done all this, they rejected? This is business and I pay the insurance premium for them to "insure" one. Hence, I am looking for others companies which can access all at once without spending my time to do one by one. Please PM me. Probably i will go for life insurance for her.
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Cyclopes
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Sep 6 2020, 02:13 PM
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QUOTE(jack2 @ Sep 6 2020, 01:05 PM) I applied medical insurance from Manulife for my sister who is OKU in Intelektual and the underwriter at first requested for 1. Statement for their panel doctor 2. Statement from usual visit doctor During this process, I have visited the doctors many times because of human mistake etc... Then now, they asked again to do blood test. I wonder why don't they request it once at all and not one by one. I have spent may times in bring my sister to do all of these. How about if after done all this, they rejected? This is business and I pay the insurance premium for them to "insure" one. Hence, I am looking for others companies which can access all at once without spending my time to do one by one. Please PM me. If at the initial stage of submitting the proposal, all health details given are adequate, the need for additional checkup may be minimized.
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jack2
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Sep 6 2020, 02:18 PM
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QUOTE(Cyclopes @ Sep 6 2020, 02:13 PM) If at the initial stage of submitting the proposal, all health details given are adequate, the need for additional checkup may be minimized. We declared everything. When we visited the panel doctor, the doctor did not ask for blood test but only asked for urine test....
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vknight
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Sep 6 2020, 04:58 PM
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Hi
Just found the forum. Can anyone help me with below query:
1. I find that Allianz explicitly states it covers the below for the cancer treatment
targeted therapy, hormonal therapy & immunotherapy
Any other insurance company covers the above treatment?
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O-haiyo
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Sep 6 2020, 05:08 PM
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Guys, im in my late 30s. Can suggest me the best insurance + saving plan?
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MUM
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Sep 6 2020, 05:10 PM
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QUOTE(vknight @ Sep 6 2020, 04:58 PM) Hi Just found the forum. Can anyone help me with below query: 1. I find that Allianz explicitly states it covers the below for the cancer treatment targeted therapy, hormonal therapy & immunotherapy Any other insurance company covers the above treatment? googled and found 2 more,...i am sure there are many others too.... Attached thumbnail(s)
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MUM
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Sep 6 2020, 05:12 PM
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QUOTE(O-haiyo @ Sep 6 2020, 05:08 PM) Guys, im in my late 30s. Can suggest me the best insurance + saving plan? while waiting for responses, you can try these sites....for some info while you wait for responses... https://www.google.com/search?biw=1920&bih=...&sclient=psy-ab
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lifebalance
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Sep 6 2020, 05:12 PM
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QUOTE(vknight @ Sep 6 2020, 04:58 PM) Hi Just found the forum. Can anyone help me with below query: 1. I find that Allianz explicitly states it covers the below for the cancer treatment targeted therapy, hormonal therapy & immunotherapy Any other insurance company covers the above treatment? If spelled out explicitly in brochure, only Allianz so far. QUOTE(O-haiyo @ Sep 6 2020, 05:08 PM) Guys, im in my late 30s. Can suggest me the best insurance + saving plan? Depending on your budget and lifestyle. Budget starts from 200 monthly minimum. For a more comprehensive coverage will require a discussion to find out what you need to cover and how much to cover exactly.
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lifebalance
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Sep 6 2020, 05:18 PM
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QUOTE(MUM @ Sep 6 2020, 05:10 PM) googled and found 2 more,...i am sure there are many others too.... These are mentioned within the PDS. For such treatment, if its not mentioned explicitly, certain companies may only cover it on a case to case basis. However its good to have it spelled out explicitly so that newer treatments are covered as well. Thanks again for googling
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O-haiyo
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Sep 6 2020, 05:28 PM
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QUOTE(lifebalance @ Sep 6 2020, 05:12 PM) If spelled out explicitly in brochure, only Allianz so far. Depending on your budget and lifestyle. Budget starts from 200 monthly minimum. For a more comprehensive coverage will require a discussion to find out what you need to cover and how much to cover exactly. Maybe medical + life + savings? Budget is 400 and below monthly. Im okay with Long term plan This post has been edited by O-haiyo: Sep 6 2020, 05:28 PM
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Cyclopes
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Sep 6 2020, 05:32 PM
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QUOTE(O-haiyo @ Sep 6 2020, 05:08 PM) Guys, im in my late 30s. Can suggest me the best insurance + saving plan? What is best depends on your needs and affordability too. It should be tailored to you specifically as no one plan that may fit all.
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tan71500
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Sep 6 2020, 08:07 PM
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Getting Started

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QUOTE(vknight @ Sep 6 2020, 04:58 PM) Hi Just found the forum. Can anyone help me with below query: 1. I find that Allianz explicitly states it covers the below for the cancer treatment targeted therapy, hormonal therapy & immunotherapy Any other insurance company covers the above treatment? I asked AIA the same question before, and this is the reply from AIA customer service, hope it helps 
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lifebalance
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Sep 6 2020, 08:10 PM
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QUOTE(tan71500 @ Sep 6 2020, 08:07 PM) I asked AIA the same question before, and this is the reply from AIA customer service, hope it helps   That’s informational! Thanks for sharing
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vknight
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Sep 6 2020, 08:32 PM
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QUOTE(MUM @ Sep 6 2020, 05:10 PM) googled and found 2 more,...i am sure there are many others too.... Thanks a lot for the reply
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vknight
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Sep 6 2020, 08:34 PM
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QUOTE(tan71500 @ Sep 6 2020, 08:07 PM) I asked AIA the same question before, and this is the reply from AIA customer service, hope it helps   Thanks a lot. Really appreciate it
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e-Shagger
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Sep 6 2020, 09:32 PM
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New Member
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Hi sifus. I'm new to this thread and I'm just wondering if anyone can give me an opinion about Great Eastern's Great Flexi Wealth. I understand that there's a guaranteed cash bonus of 17% per annum for the first 10 years and 33% per annum for second 10 years, but how secured is the monthly capital I put in for the first 10 years? This post has been edited by e-Shagger: Sep 6 2020, 09:34 PM
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lifebalance
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Sep 6 2020, 09:36 PM
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QUOTE(e-Shagger @ Sep 6 2020, 09:32 PM) Hi sifus. I'm new to this thread and I'm just wondering if anyone can give me an opinion about Great Eastern's Great Flexi Wealth. I understand that there's a cash guarantee bonus of 17% per annum for first 10 years and 33% per annum for second 10 years, but how secured is the monthly capital I put in for the first 10 years? This is an endowment plan which means you will only see your money back in 20 years time. Return wise, 1 - 5% per annum. How secured ? No guarantee.
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ckdenion
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Sep 6 2020, 10:57 PM
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QUOTE(e-Shagger @ Sep 6 2020, 09:32 PM) Hi sifus. I'm new to this thread and I'm just wondering if anyone can give me an opinion about Great Eastern's Great Flexi Wealth. I understand that there's a guaranteed cash bonus of 17% per annum for the first 10 years and 33% per annum for second 10 years, but how secured is the monthly capital I put in for the first 10 years? hi e-Shagger, this plan funds will be invested in 80% low risk fund and 20% high risk fund. it's better to refer to the table of illustration, it is not about how secured your capital will be, it is more important to know what fees that will be incurred.
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