Then you can't look for these 2 companies already, have to look elsewhere

I would to find out what is the monthly premium would be for PA (sum assured is 350k; I'm 42 now thus need till 70 years old). 70 years old as my housing loan tenure.

Why are you using PA (Personal Accident) to cover for a Housing Loan?

What if death is not due to an accident ? What will happen to your housing loan?

Correction. I didn't realize that. I mean term life insurance.

Looking around 180 and onward

hi steventyy, i think it is a good idea to also look at one with no deductible. not to say you must get it but you can compare it with deductible medical cards

Why recently so many news saying insurance company rejected buyers claim..so many grey areas. Buyers always a loser

So many ---?

I can hand count <50 out of hundred thousands of policy holder as reported in the Media.

Most of these cases involves non-disclosure / misstatement.

Buyer is the loser if they choose not to provide full disclosure to the insurance company.

Just ask yourself, would you buy the car if the seller withheld that the car had major accident before this but sell you at the price of a "non-accident" second hand ? - if you feel duped, that's how insurance company feels as well.

I know insurance agent will defend with non disclosure clause.

insurance company are giving right to investigate all past medical record before they approve the application. But most of them choose not to do so. When people want to make claim then suddenly all past info appear.

Most of the time agent approach buyers and just ask them to sign the application form. The rest they will fill in. So whose fault?

Recent case. A women dead in accident. But claim rejected due to non disclosuren of past medical record. Really funny.

this is interesting,...mind telling more about this death due to accident and cannot claim due to non disclosure....
if got the link to the story, then better still



This post has been edited by MUM: Sep 30 2021, 12:28 PM

https://www.chinapress.com.my/20210925/没�...��保险赔偿/

Google translate yourself

Unless you have proof of "most of the time", it's all in your own opinion or assumption or generalization without facts.

That being said, when you sign into any papers, you're subject to their tnc just like you subscribe to any services i.e telco line, salon packages.

No one is forcing you to sign the dotted lines if you don't agree to their requirements. And if you choose to sign the dotted lines, it's your responsibility to read what you're signing. If you take the "tidak apa attitude", then expect to get hit right at the back when it comes to claims.

Consumers will tend to blame everything on the service provider when often they don't blame themselves when it comes to a mistake. It's a 2 way communication not a one way.

Judging from the way you're writing this post, I'm sure you'll find another way to goreng yourself to another argument when you're not having an open mind to accept reasoning but only want to read the answers that you want to hear, so I'll stop here.

I know agents don't like this kind of topic. How many agents explain tnc to customers when you promote your product? Normally will just mention benefits offered by the products and compare competitor packages.

When come to fill in the application form, how many agent go thru items with buyers? I met different agent when bought my insurance and for my family members. None of them go thru in details with you. Only sigm the blank form. (i only said the agents i met and those i heard from friends, colleagues).

I was insurance agent about 13 years ago but quit. I know how insurance works.

'No one is forcing you to sign the dotted lines' < this is very irresponsible sentence when come out from agent mouth when claim is rejected.

Ok. That's all. Insurance is good. But buyers please make sure your agent is very professional.

This post has been edited by vl319: Sep 30 2021, 02:09 PM

a single mother who did not declare a thyroid case who died in a car accident is not entitled to insurance compensation

How can this happen PA claim linked to medical case
Anybody can share truthfully or if want can PM me directly
Can they report to bank negara or need lawyer to sue

yeap need a lawyer to sue back insurer , however case to case basis.
this china press did not reveal which insurance company and what plan the client purchase.
if the covered terms is written black & white inside initial contract but still reject claim , then chances of winning is very high.

Is clearly written as "non disclosure" to decline the claim regardless is related or non related on the death which compliance with the FSA 2013 act. Else the FSA can be challenged and revise. If claim is payout, insurer is charity center and not profit orientated.

Cant say winning in court because already breach the FSA compliance, if insurer pay the claim is in GOOD WILL or known as Charity. They have no obligation to pay due to the breach of non disclosure.

I want to question the single mother who knew she had thyroid problem WHY didn't disclosure? or The agent FAULT didn't write in the proposal form?? Whose fault? Agent or Client? The initial step when applying the policy is based on upmost good faith

We as an insurance agent must must remind ourselves, all the health questionnaires must ask and answer honestly.

read this article https://www.enanyang.my/%E8%A8%80%E8%AE%BA/...-IfW2D3BvFz5x4E

In e-nanyang which written in Chinese. Is a good article on reviewing all the recent rejected claim.

This post has been edited by Ewa Wa: Oct 1 2021, 10:11 AM

btw the FAQ for promileJ abit confusing

they say have to submit odometer BEFORE buying the policy.

when did you submit the odometer reading ya?

My agent also never asked me on past medicsl record although all small case and minor surgery. Everything tick ok by himself. So what action csn i do? Bought aince many years ago. Just ask me give him blood test report.

This post has been edited by blibala: Oct 1 2021, 10:27 AM

Small case & minor surgery such as ?

Hemorrhoids treatment, back pain checkup but no treatment and etc