Hemorrhoids treatment, back pain checkup but no treatment and etc

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.

Actually i wonder how insurance company know she had thyroid. If they can find out when she want to making claim, why dont insurer check before approve their application..

I really puzzle on this.

Actually i wonder how insurance company know she had thyroid. If they can find out when she want to making claim, why dont insurer check before approve their application..

I really puzzle on this.

I've explained this in another thread.

"Yes that's the practice now in Malaysia. Otherwise you wait long long before you can get your policy coverage.

The turnaround time today for your policy to get activated is less than 15 minutes if it's a clean case with no illness history. If there is any investigation, it will probably take months before you can get your insurance policy issued.

Keep in mind that your policy needs to be underwritten by an underwriter after assessing your risk profile before they decide to take you in, not just because you "paid" for the initial premium and already means it's considered an acceptance from the insurance company."

I see. Just my point of view. i understand insurer want to fast approve the application. However they can still investigate or review, say in 3 momth time on the history. If any info they found out from investigation they can always ask customer to clarify or cancel the policy. Then it is fair to both parties. Shouldn't when people want to make a claim then it rejects lor.

Honestly i pity that single mother case. Her kids need the money to survive.

Hemorrhoids treatment, back pain checkup but no treatment and etc

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.

Better ask ur agent to send in a letter signed by you to declare the above minor surgery. Then let the company to decide further investigate or remain the same conditions.

One recent declined CI claim was non disclosure of back pain check up with no treatment too. The back pain was slip disc and did a MRI.

Just curious. Actually how many years record can insurance company trace back? 5 years, 10 years or 20 years?

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?

Recently thinking to get another insurance to complement existing one. Any recommended agent? Preferably someone who is professional, experienced and not new agent

Recently thinking to get another insurance to complement existing one. Any recommended agent? Preferably someone who is professional, experienced and not new agent

Recently thinking to get another insurance to complement existing one. Any recommended agent? Preferably someone who is professional, experienced and not new agent

Hi, would like to ask is there any medical insurance provides entry age until 75? or able to apply at age of 71?

Hi guys, I have an AIA plan A-LifeLink 2. Last week I went to see doctor and did a CT scan outpatient. Does the plan allow me to claim the medical fee?

Hi guys, I have an AIA plan A-LifeLink 2. Last week I went to see doctor and did a CT scan outpatient. Does the plan allow me to claim the medical fee?