Request from the insurer that you've made a claim with. They'll provide the doc.

Can

Cool story

Yes, that was what the sentence meant.

or if you want, it can be reworded to "claim back 60k from the 100k personal card".

No
&
No

Yes, only when you start a new policy.

you're welcome.

Sorry but I'm not here to educate your agent how to do his/her job.

Because you'll be subjected to the same waiting period of 120 days for the new upgrade. If any claim arises during the waiting period, it will fall back to your previous old plan benefits.

For PruMed to PruMillion Med, you'll be subjected to 30 days waiting period for the new upgrade. If any claim arises during the waiting period, it will fall back to your previous old plan benefits.

Just declare accordingly and provide any reports to show if there is any abnormality, otherwise, don't have to if everything is normal & just some yearly check up.

This post has been edited by lifebalance: Oct 7 2021, 03:18 PM

For that matter, it'll be up to the insurance company if they are pushing for any investigation on your claim request.

Yeah there is.

You can apply with the insurance company to reduce the deductible amount (subject to availability) & subject to your health status.

Otherwise, pick a deductible amount that is suitable for you over the long term.

There are retirement options whereby you'll need to wait till age 55 - 60 before your plan can be converted back to zero deductible. This would be a feasible choice.

You consent the insurance company to investigate on any claims that is filed.

If you have done all declaration and have nothing to hide. There is no need to be concerned about after the 4th month waiting period.

It doesn't matter if the policy is 5 or 10 years later, if you did not disclose your information truthfully. Your claims can still be rejected.

You should answer all the questions that is guided the agent during the application.

Of course, if you think you're really healthy and wants a medical record to prove it to the insurance company, that will be the best case scenario since you got a hardcopy evidence.

Doctors will be able to tell when you roughly got a disease based on your symptoms.

And IF you got symptoms, don't tell agents that you're "healthy" because a normal person would not have those kind of symptoms in the first place. So if you're sick, just say you're sick, I don't see what it can benefit you by lying about your condition when it's not helping your insurance application.

Talk to an agent to further understand what you have & see what you can improve.

Contact Zurich for the procedure

You're being investigated, therefore you're required to submit the additional document to be reviewed.

Complaining this matter to BNM will not help. Everything has a process, living in a microwave era where you expect everything to be instant, skip from A to Z instead of going through A - B - C ... Z.

If everyone wants to have their way on claims done, might as well make BNM as a claim department, everything deal direct to BNM is answerable sounds good?

I'd suggest you to be more patient and comply with whatever they ask for and it'll get by faster than you procrastinating and nothing is progressing

This post has been edited by lifebalance: Oct 23 2021, 07:53 PM

Unfortunately, banassurance doesn't provide much of a service, bankers are required to get a license to sell you the banassurance and that's pretty much it. The commission paid to bankers are peanuts, the bank earns majority of it. So unfortunately for you, you'll just have to DIY this on your own.

There is no time frame for the insurance company to respond to you in a investigation case. They can hold onto it as long as possible until the investigation is complete.

As I said earlier, the faster you comply with any outstanding documents, the faster you can chase on any outcome, otherwise, the ball is on your side to comply with whatever that is outstanding and the insurance company can argue that you didn't submit all the requirement document to process the claim.

Yes this is normal, you can look through the entire Appendix on what are the charges is applicable within the policy that you plan to buy.