Because i'm claiming death benefit due to Covid but its under AIA Flex PA.
The agent and AIA says Covid is NOT covered under the 23 infectious diseases mentioned in the brochure, however MERS and SARS (Cov) is in the list, So since the brochure probably was old/not updated im hoping Covid is included.
Otherwise i would only get 10K as opposed as 60K (+10K?) for infectious diseases.


https://www.aia.com.my/en/help-support/impo...ge-no-cost.html
This is the only 10K get for Covid i can claim since it was FLEX PA policy.
Even the hopitalisation benefit not able to claim because AIA says it is only for non-death situation.

This post has been edited by WaCKy-Angel: Feb 11 2021, 07:56 AM

I do not see that it covers/recognize Covid-19 within the policy terms & condition as part of the infectious disease

There is also no extra circular to further supplement the policy's T&C besides the extra RM10,000 that will be paid as per the link of the website.

Cheers.

Yeah i can see that. I guess insurance companies are not willing to lose money just yet since Covid is still rather new and on-going.
It will probably be included later after few years when its become rare occurrence just like MERS and SARS situation.

Hi,
I believe I can help to shed some light on this situation.

The nature of a PA policy (Personal Accident) is to cover for events that are accidental.

A guide to what qualifies as an "accident" is easy to remember:
1. It is sudden (secara tiba2)
2. It is violent (got blood exit the body)
3. It is external impact (something from outside of your body hit you)

As you can see, there are PA products such as the Flex PA that extends its coverage to certain infectious diseases.
And that was an extension of its coverage, even though some may not fulfill those descriptions to qualify as an "accident".

Do you have a Health Insurance policy or a Life Insurance policy?
Maybe our friends here can help you better with those claims.

yes, in this case, the death claim will be only under the "Death Benefit" under the COVID-19 extra coverage which is the 10k. COVID is infectious disease however it is not in the covered list.

Hey guys, I'm very new to this and have a few questions to ask.

Some background info: I have an insurance plan that is an "Investment Linked Policy" by Great Eastern Life called "SmartProtect Essential 2". As my mother was the one to secure this for me, I am unsure as to what degree this insurance covers me. The agent that sold this to her is her friend and is chinese-speaking and I am unable to communicate my questions.

Situation: I have a lump that I have found that I would like to get checked out. But seeing as I am very new to all this, I am unsure how to go about this process or if it is even covered by this particular insurance. The condition is suspected to be a sebaceous cyst but I have not seen a doctor about this as of yet as I am unsure how and where the insurance steps in. I am also concerned as I have been told over the phone that this policy only covers "36 critical illnesses" and offers no coverage on "early detection". This worries me.

Questions:
1. Is it possible for process of diagnosis to be covered by this insurance? I'm afraid to be stuck with a preliminary bill prior to actual treatment. Any experienced people, kindly advice.

2. If it is not possible to have the process of the diagnosis covered by the insurance, how do I go about this? Is it possible to go to a GP in say, a small clinic, and then continue onto one of the "Panel of Hospitals"? If the process of diagnosis is not covered, I would like to minimize the costs as much as possible prior to actual hospital admission.

3. What are the necessary information I would need to obtain from the diagnosis phase to progress onto the admission/treatment phase? Which ones will have involvement of the insurance company?

Apologies if these are silly questions to some of you. I am very new to this and the entire process has been such a blur to me. Hopefully some of you will be able to help shed some light and guide me.

Depending on what rider you have within the policy. If your insurance policy comes with a hospitalization and surgical benefit, you're entitled to claim for the removal of the sebaceous cyst along with any follow ups.

Critical Illness benefit only pays in the event you are diagnose with a critical illness, not due to a sebaceous cyst which is really a minor operation to remove it.

I've done this claim before

The process is as followed.

You can directly see the general surgeon in the hospital to get it diagnosed. If it's indeed just a sebaceous cyst, they can tell immediately or refer to their other colleagues in other specialize area immediately than a GP could.

Then you can get them to fix a day for you to remove it while also letting the nurse know that you want to claim from insurance, they will then check with your insurance company to prepare the guarantee letter to cover for your day care surgery.

You can keep all the receipts incurred prior to admission and on the follow ups thereafter to claim back with the insurance company.

Looking at your situation, I guess you have not visit GP nor Hospital to diagnose the condition (lump/ sebaceous cyst).
Immediately, you need doctor advise on further examination/ investigation and it's treatment.

With these information, then we able to advise you better over the insurance coverage.

Concurrently, you can share the summary of benefit here in SmartProtect Essential 2 (SPE 2), there are different medical insurance riders can be attached in the same plan.

hi clowve, hope my above replies help don't worry about the silly questions. we are here to help.

This post has been edited by ckdenion: Feb 11 2021, 05:32 PM

Thank you for the answers @lifebalance, @KLlang, @ckdenion. This has been a bit reassuring for me since the entire process can feel intimidating. Will update when I get further information.

After google the internet "sebaceous cyst" = Sebaceous cysts are common noncancerous cysts of the skin. Cysts are abnormalities in the body that may contain liquid or semiliquid material. Sebaceous cysts are mostly found on the face, neck, or torso. Best is check with Doctor and don't suspect and self diagnose.

For any claim inform pls call this number: 1300130088 (you can ask about admission process, claim process and whether this condition is claimable? The line is 24 hours/7days. Better than asking us here which clueless about ur policy. They only providing medical card information and not 36 CI information ya.

hi, would like to ask:

i just insured under this product

https://www.allianz.com.my/allianz-1cover



but then i receive my policy few days later and it have pages like this








application was done using zoom, and agent show me 'questionnaire' section that was grey out. (but i dont have the recording as proof cause agent send me an audioless recording that also miss out the application stream)


should i concern bout this?


This post has been edited by ahleemaju: Feb 17 2021, 10:30 PM

Hi ahleemaju, i assume agent got inform you about one of the feature of this product which is no medical underwriting. The blank out part is not a concern because there is no health questionaire needed for this plan application.

This is a non medical underwriting plan thus the questions were not required to be answered.

yes I know, and no medical underwriting is the one I wanted.

I have insured few other insurance companies with same type of product, all of their policy have no include questionaire section except allianz.

why still include why no question asked during application,

im worry allianz might use this to reject my claim in future.

It's a auto generated template by the system.

If you are still doubtful, feel free to cancel the policy and get back your money which is your right.

ic. now i understand your concern. i can assure you that you do not have to worry about this since it is made clear that this plan doesn't need health underwriting so definitely wont have any claim issue due to that too. no worries ya

Hi sifu, really new to this so sorry if I sound very stupid (because I am lol)

I'm 24 and wish to buy a medical insurance very soon. I have a few concerns that I would like to be cleared:

1. Which company in the big three (Great Eastern, AIA, Prudential) or any other companies has the easiest claim policy and no drama and no fuss on unable to claim stuff like that. Plus which has also the most hospitals that accept their medical card. Assuming all the other confounding variables that may affect this are standardised/ignored. (example of confounding variables: type of plan i might get, cheap or expensive plan)

2. Do you think if it is worth it to include "critical illness" and "waiver of premium" in the plan? And if I already have the "critical illness" plan should I still get a life insurance?

3. Should I do a full body checkup before I sign up for a medical insurance plan? Or should I not leave any record in any hospitals so that the company won't be able to dig them up

Thank you sifus. I'll appreciate any help

1. You can't go wrong with any of these 3, difference is that they offer different product features so depends on what you at looking to cover.

2. Again depend on how comprehensive you would like your insurance to be.

3. Depends if you have any pre existing sickness or you've applied for excessive amount of insurance.

2) is largely depending on your budget and circumstances as well. If your budget can only buy A+B, no point asking worth to buy A + B + C + D.

Or if you have family of heart disease you might think ci very important. Or if you have dependent and you are sole breadwinner, than life insurance become very important also.

3) actually you 24 only, why so scared. Haha.... actually just apply the insurance like normal and tell the truth.