Any insider can share how insurance know about past medical history if not declared? Eg life insured admitted for minor procedure at Hospital X covered under own company policy  and not declare it when apply for his new personal medical card plan.

Then in the future he admitted to another branch of Hospital X but with his own medical card this time, can the insurance trace his previous admission from the other branch? Is there a database all the insurance companies shares that know about past treatments?

hi allianz agent, what would be the surcharge for monthly/quarterly/half-yearly payment?

There is no different fees charged in the different payment mode.

38, normal for daily life, under long term medication.

hi allianz agent, what would be the surcharge for monthly/quarterly/half-yearly payment?

After my mum's Prudential ILP, now my turn to receive the same news

4.5% increase

If I wanted to convert to deductible to lower the premium. Do I have to declare if I have any pre-existing medical condition again?

Example, say I bought this in 2007 and I have appendix removal operation in 2011?

really? thought some additional % on admin fee if pay NOT by yearly.. 

Depends, which Allianz product are you referring to?

Best,
Jiansheng

Should be old life product. powerlife.

do Allianz medi infinite+ cover male-related cancers? saw many insurance exclude this

please recommend me a yearly takaful medical card (age 42 male non-smoker).
so many products it is confusing

You may google about this product under great eastern called great life care. Unfortunately the plan will be closed by today.

You mean those by investment linked plans or standalone ?

any maybank etiqa insurance agent here?
pm
want to buy medical card

do Allianz medi infinite+ cover male-related cancers? saw many insurance exclude this

Hi guys. I need some advise and a question answered. Long story short, my agent altered my registration form and removed my pre-existing conditions. The agent promised to fix it when I found out while trying to make a claim but then he either quit or got fired and I was reassigned to his boss who isn't helpful. I declared my pre-existing conditions in full when making another claim (not related to my pre-existing condition) and the insurance got back to me with this offer:


Exclusion:


Original plan:


1. From what I understand, the Full Coverage (HealthEnrich Premier) will only cover 50% of all claims, excluding items in the exclusion list. Is this correct? Does that mean it's effectively a coinsurance now?
2. Is it worth continuing this policy or will I be able to get a better deal elsewhere, in light of pre-existing conditions and older age? I'll be 38 this year but the exclusion and 50% coverage while maintaining the premium, which was increased this year, seems hefty. I'm generally healthy without any diseases that require continuous medical intervention or medication.
3. Will the insurance still process my second claim for a procedure not related to my pre-existing condition?