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?

Thanks a lot for the reply

Thanks a lot. Really appreciate it

Just asking

If we get referred to a specialist - let's say for fever any other complications - the doctor don't find it is necessary for admission - only medicines are given - we can't make any claims rights? All insurance companies doesn't cover this? As I was told we need to get admitted to get covered for claims using our medical card.
..thanks

This post has been edited by vknight: Sep 13 2020, 06:17 PM

Thanks a lot guys. Really appreciate it

Hi Guys/Sifus

Just need your help to clarify the following:

a) HLA coverage includes targeted therapy, hormonal therapy and immunotherapy - Any idea it "As Charged" (as per AL/LL) or RM5000 per month. I saw the brochure and a bit confused. I think Allianz and AIA (AIA- not explicitly stated) is as per AL/LL

b) Assuming my policy is sustainable up to 80 years and renewable up to 100 with the current premium.

What happens at the age of 80? - Do I continue paying my current premium or re-calculated? If re-calculated - what method do they use? Will it be based on the market premium/COI at that point of time? Which might be very high. Or is it better to pay a higher premium to increase sustainability at the start of the policy itself?

Thanks a lot for the reply

Hi Guys

Just another thing - for CI waiver - the waiver is normally after 'Late Stage' right?...thanks