See that is the thing that guides people to standalone....
Which may not be the right and holistic info required to make informed decisions

But if the buyer only get one side info from here...

Perhaps, they see no point of arguing over it.
They are not obligated to reply or comment or argue over these.

If the potential buyer knows, ...they can PM them..

If the info is 1 sided?
Or info responded based on just abit of info provided by the info seeker?

Then? who are the 1 sided info providers? can you express directly? everyone accompanies you merry go round already....

is my english too poor cannot understand or your english too chim?

It is the "way" you say it......sometimes, some of it...
Ha ha..the words used....play a part too

Normal la. When you kacau people rice bowl, they feel threaten and assume that they are boss of this thread.

Only one person I know here who have trigger happy fingers. Lol

Seriously? So many agents here post their own contact in the signature. Wonder if they got reported for it.

Hi Sifus,

Just want to clarify on the premium payment logic for this scenario.
Lets give the monthly premium as 100 and no additional increase when switching

Ali
- has existing medical plan (A) and want to switch to medical plan (B)
- He already paid 100 premium due for September month for A, and he switch to B on September as well
- To enforce B, upfront 2 months payment needed, hence September and October month cleared, and next due on November and December
- So for the year 2023, Ali will have paid 500 (5 months) of premium

Muthu
- has existing medical plan (A) and want to switch to medical plan (B)
- He already paid 100 premium due for September month for A, but he switch to B on October instead
- To enforce B, upfront 2 months payment needed, hence October and November month cleared, and next due on December
- So for the year 2023, Muthu will have paid 400 (4 months) of premium

With the above scenario, why would one switch on September when they can switch on October, where they will pay lesser total premium in year 2023.
Assuming we don't talk about the extra coverage by medical plan B, and medical plan A still covers the overall essential.
So isn't Ali paying "double" for essentially being covered the same for September month?

Appreciate your advise thanks !

Dear all,

I'm asking on behalf of a family member -  a health screening report done about 7 years ago noted that he has gallbladder polyps (below 10mm).  The doctor that went through the report with him didn't even deem the polyps worth mentioning and no further investigation was recommended or done.

Now in 2023, my family member is still alive and healthy and he's thinking of getting cancer insurance (no, he has not found an agent yet).

A search of the internet found that gallbladder polyps are quite common and, in most cases, non-cancerous.

So I hope the insurance agents and other forumers here can advise:
1. must my family member declare the gallbladder polyps when answering the insurance proposal form?
2. what is your insurance company's policy/your experience with clients when at comes to gallbladder polyps - reject coverage outright, impose loading or exclusion, ask for a new health screening with company's panel hospital or accept/give coverage with no extra conditions?

Thank you in advance.

My insurance company suddenly sent a notice saying that my premium is increased by rm80 a month... is that common?

Dear all,

I'm asking on behalf of a family member -  a health screening report done about 7 years ago noted that he has gallbladder polyps (below 10mm).  The doctor that went through the report with him didn't even deem the polyps worth mentioning and no further investigation was recommended or done.

Now in 2023, my family member is still alive and healthy and he's thinking of getting cancer insurance (no, he has not found an agent yet).

A search of the internet found that gallbladder polyps are quite common and, in most cases, non-cancerous.

So I hope the insurance agents and other forumers here can advise:
1. must my family member declare the gallbladder polyps when answering the insurance proposal form?
2. what is your insurance company's policy/your experience with clients when at comes to gallbladder polyps - reject coverage outright, impose loading or exclusion, ask for a new health screening with company's panel hospital or accept/give coverage with no extra conditions?

Thank you in advance.

Even with your colonscope report showing all clear?

Eh? Can appeal la do that cover colon. Whether they approve is another question. You got your report what.

Like me I upload all my recent medical checkup and there was nothing on it is they approve my application.

If it's me, I will fight and appeal. Just try your luck. You never know.

i dun get this......

Assuming i'm healthy 10 years ago and bought GE plan....now 10 years later assuming i have some illness example high blood pressure....the GE plan will still cover high blood pressure related illness right? because when i bought 10 years ago i'm healthy....

Now if i surrender the GE plan and buy new plan example AIA, then i declare i got high blood pressure, the AIA plan will not cover high blood pressure related illness... then why i want to surrender my GE plan?

right? or i understand wrongly?

Deductible can nego? I thought its fixed, some companies ficed RM300 or 10% of total payable.

But wouldnt it be cheaper to cancel old policy and buy only 1?
Unless u have pre-existing condition.

Hi everyone, I need some advice here.

24M here, I bought ILP GE from a friend of mine 5 years ago. Recently the price hike from 200 to 260. I'm thinking of switching to medical only which might cost less than 100. Should I do it? Is there anything i should consider before making a switch? Should I also switch to other provider? Thanks for any insights!

A little about my background, I bought the plan because initially I was told that the price was fixed at 200 and any price increase will be cover by the interest generate by the investment part of the plan. And recently I came to learn that it is not true. So I might as well check out whether there is a more suitable plan for me with a lower cost and only necessary coverage for me.

Hi Sifus,

Just wondering if contracting Dengue / Covid etc , these kind of viral infection need to disclose to company?
Will it impact the medical policy plan ? eg like i contract covid before, so if i change new plan will they still cover or exclude covid coverage.

Thanks in advance !

Can you elaborate more on other policy type? and the table meaning? Thanks