which life insurance and medical insurance best?

What's your criteria for best?

Benefits?
Premium?

The best kind of insurance is the ones that meet your financial needs.

if anything happen can claim the most out of it

That's the function of an insurance policy, to payout for a claim.

Again, it'll be best to talk to an Agent or Financial Advisor to find out what sort of insurance you need.

Your savings account and credit cards.

Even when kena saman also can claim an ice-cream for bereavement.

yea any agent here and guide me thanks

Only if you have swear to tell the truth and nothing but the truth.....bless you.

This post has been edited by mini orchard: Aug 19 2021, 05:37 PM

Yo , recently searching for medical card for my 3YO kid.
saw a lot of ad in FB mentioned that AIA 100% claimable if covid.

Question here, other than covid, is AIA is a good to go ? While my GE friend who try to sell me said that AIA very hard to claim.

some agent out there tend to sabotage each other to make themselves/their company look better than the other company/agent but in fact that's a bad practice.

Meanwhile, below are the companies that covers COVID on reimbursement basis as at 19/8/2021.
AIA
PRU
GE
AZ
HLA
Etiqa

As for AIA, they do not have exclusion clause that excludes coverage for communicable diseases that require quarantine by law. Which makes it a little future proof as the other companies are offering on "Goodwill" basis.

As for claims wise, AIA has no issue with paying out claims as far as my experience goes.

This post has been edited by lifebalance: Aug 19 2021, 06:33 PM

while waiting for responses, you can read back few pages, this covid coverage thing had just been discussed recently
if i can remembered it correctly, it is sort of like not all cases of Covid19 are covered....only from certain stages of Covid19 are covered and it will have this to consider too

"Medically Necessary" means a medical service which is:
(i) consistent with the diagnosis and customary medical treatment for a covered Disability; and
(ii) in accordance with standards of good medical practice, consistent with current standard of professional medical care, and proven medical benefits; and
(iii) not for the convenience of the Insured or the Physician, and unable to be reasonably rendered out of Hospital (if admitted as an In-Patient); and
(iv) not of an experimental, investigational or research nature, preventive or screening nature; and
(v) for which the charges are fair and considered Reasonable and Customary Charges for the Disability.

since you got a GE friend,...mind asking him/her about the status of this 2nd policy case?....the 1st policy the policy holder won, what about the 2nd policy?

Consent judgement recorded between cancer patient and insurance firm
29 Mar 2021
https://www.thestar.com.my/news/nation/2021...surance-company

LOL , GE , Alianz , AIA , Prudential is equally good , its like different branding who offered life insurance plan.

what is the alternative local number to call AIA other than 1300881899?

that's the only line for now.

thanks.. its ok..
i found already..


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hi stevenX, your GE friend is just simply giving you inaccurate info. I'd did claims for AIA, Allianz, AXA, GE, HLA, Manulife and Prudential, so far there's nothing about "very hard to claim" issue. also the 100% claimable might be a lil misleading as well, not everything is claimable and subject to reasonable charges as well. just make sure you approach an agent that you trust the most first.

Yes, the above is accurate.

Items in a Covid-19 bill such as the PPE worn by the doctors and nurses cannot be claimed.
Personal hygiene kits are also not claimable.

Every insurer will require the same things when processing a claim:
1. Original receipts
2. Itemized billing statements
3. Claim form
4. Medical report
5. Physician's statement
6. Insured banking account details

And all the above, make sure that the insured's signature is consistent as well.
Should the insured be unable to perform a signature due to his/her current condition, a thumbprint will suffice as well.

thanks for the additional info, bro. just want some clarification, if admission due to covid, is the covid related items say PPE suit, face mask, face shield claimable? i know if admission/surgery due to non-covid, those are not claimable. what about if it is due to covid?

Even if its due to Covid, those are not claimable as well.
It is unfortunate that those items are deemed not claimable, with the reason being those gears are essential to protect the medical service providers, as opposed to necessary for the well-being of the patients.
Our unions brought it up against the company last year and this was the reply, which despite being a bitter pill to swallow, it is in-line with policy wording.
AIA being the only insurer that does not exclude coverage on diseases requiring quarantine by law, it is already a blessing in disguise.

However, we do our best to social distance, limit our outdoor exposures, and continue to cater our level best on platforms such as this, for everybody's benefit.
In times such as this, helping each other is essentially helping ourselves too.

I am actually very grateful to forum contributors like yourself, providing accurate info and advice without prejudice, and embodying the whole person concept of the MDRT.

The insurer cant expect the doctors to perform 'naked'. Is not only to protect the medical officers but at the same time to further protect the patient from any further infections by 'outsiders'.

If the patient gets further infection, it will only prolong the stay and the claim will shoot up.

Is like saying in a one to one meet only 1 requires to wear mask.

Based on the insurers reasoning, then is better for the patient to wear to quicken the recovery.

This post has been edited by mini orchard: Aug 22 2021, 05:09 PM

Yes, such argument was brought up during the meet.

The insurer is not expecting the doctors to perform 'naked' as you say. The insurer does not have jurisdiction in that subject, that is up to KKM to decide.

Yes, we are the ones receiving treatment.
However, the principle of indemnity does not extend to include cover for preventive measures, including masks, mobility support, and vitamin supplements, nor are they responsible for how a hospital is run. The customer to provide coverage for is you and me, not the hospital and its faculty.

All SOP measures have been announced by the government to mask up, social distance, sanitize, and stay home.
And I have also mentioned here before, this period is the worst period to get sick and die because in some districts and states such as Selangor, even when we die, burial will be carried out according to SOP. Our loved ones will hardly be given the opportunity for a last visit, let alone a funeral according to any of our wishes.

In fact, insurers have been looking for ways to do more for its customers.
Among the initiatives pre-pandemic, is to not require a physical medical card at all major private hospitals anymore.
Did you know you can just pass your IC over to hospital admin and just mention your insurer, and the hospital will be able to link up with your insurer from their insurance portal?

Furthermore, few insurers are also running programs like AIA Vitality to reward their customers for staying active and making healthy lifestyle choices such as attending to annual health-checks. Getting vaccinated is now also part of the point-based reward system in AIA Vitality.

It is obvious that there is relatively very little study on the Covid-19 disease, and the covered items on the insurance side is also less than ideal at the moment as pointed out.
But with more data and reference points, we should see progress and further fine-tuning with regard to the overall handling and management on Covid-19 treatment and subsequently an improved claims experience in due time.