What's the context?

I have whatsapp conversation although it was like 2018

I copy paste from the endorsement letter for my medical card insurance.

Just saw this...

https://www.google.com/url?sa=t&source=web&...5Sxke-nOqqzym6I

Are what apps conversations or video recordings be termed as sales illustration?

Buyers had been given the look free period to do all the reviews of the legal contracts...

You may use that WhatsApp conversation to make a case with the company regarding that agent....for possible mis-selling.

hmm, in that case, i can only argue that agent tried to mislead me to get sale!

Yes, if only what is written in that WhatsApp is clear for both what is asked and replied.

Just an example,...
For my earlier mentioned pay 12 yrs no need to pay anymore issue.

If I were to ask, "so I need to pay fir 12 yrs only?
The "yes" no need to pay anymore answers in the whatsapp may not includes full details like in the attached image.

Whatsapps conversation are usually short and fast thus may obmit alot of info spelled out in the policy contract

thanks for all those important info, I inferred that you did not achieve what you want after making the complaint due to the fact that the onus lies on the buyer to read the policy rather than just getting advice from agent.
So why we need agent who can mislead us and still get away, I wonder!

Bcos not all insurance plans can be bought online DIY.

I wanna an insurance agent!

want to correct this statement abit... 99% CI premium wont be guarantee.

while there has not been repricing on CI, no one has dared to make it guarantee.

Good, ...as you knew alot more than many people.

After having taken all necessary exams and also beware of what you communicates to your clients and potential clients ...
You could be called to explain your communications

but when agent can say anything but Piam guideline put the onus on customer to understand the policy, this not fair, Piam of course will defend agent.
Is the guideline by Piam approved by  BNM?

i am not aware of any, but does not mean there is not... however, given the old age, >70, very unlikely they can't even enter into one that covers accidental injury. i found something from etiqa, even that they only let those 70 or younger to buy and they cover up to age 70, contoh below, although your parents are not eligible

etiqa via maybank
the one here is not recommended by me because you essentially just get death coverage. it does not have the medical coverage caused by accident.
this is NOT true. even for medical insurance, give parents over 70-year old, they are not eligible to buy now. accident insurance also can get in malaysia. dont need to go to singapore.

1. A volunteer who was working to fix a pipe at a Mosque or Community Hall has unfortunately sustained an injury. It's worth noting that the individual in question was not employed by the Mosque or Hall and was purely offering their services on a voluntary basis.

2. Due to a leg cramp or misstep while going down the stairs at home, the person falls and breaks his hand. Minor surgery is required due to a wound.

3. While gardening, the person received a minor cut from a gardening tool which required several stitches.

I see .. thanks for the explanation .. means my parents have to rely on the General Hospital until their last breath. Fortunately they are Gov pensioners. I'll try my best to save up more for future incident. At least can cover cost for early treatment and checkup via ICU at private hospital. For surgery or warded, will request reference to General Hospital.

Btw .. I've found this from MSIG ... the entry until 75 years old .. personal accident did cover fall stairs?

https://www.msig.com.my/personal-insurance/...sonal-accident/

TQ again for the advise

https://www.prudential.com.my/en/products-h.../prusenior-med/



For this package, can it cover for the below scenarios?
This is the scenarios that I can think of my old man will faces in the current activities ...

There are options to buy it online.

As for the plans, different companies have their own unique selling point in their medical benefit.

I see your predicament on 1 agent representing only 1 brand. Why not engage financial advisors? They have over 20 insurers to be able to recommend you better ☺️

Only fi.life. Rest of the online insurance are crap (coverage).

I shop around and talk to around 10 different agent from like 3-4 companies. Took me like 6 months to finally buy my medical insurance.

If you search all medical insurance company coverage is more or less the same.

All latest standalone now can renew until old. But if you want pure standalone only got 4 in the market.
AIA, GE, Generali and Medisavers (lonpac). These 4 are the one with 1m+ annual coverage. If you just want like RM100k coverage, almost all insurance company selling those. If you want to go the ILP route, basically every insurance company got.

Difference is room and board price, how many days in patient, ICU admission, annual limit, post hospitalisation days, contact lens, genetic testing etc.

Forget about people telling you they can get from 20 different companies. They don't do it for free. Only some I know really does it for free which I was lucky to meet. Some though here and some via friends recommendation.

Do the leg work, shop around and you will meet agent who are after your money only or those that give you what you want and nothing extra. It's a experience you should encounter that will leave you wiser.

Only traditional plan which cover only LIFE or LIFE + TPD + CI is premium guarantee.

Medical Plan for sure not premium guarantee.
Especially ILP medical plan with many riders attached.

Which you go with in the end? FI ILP or stand alone? With agent? I try to find those you mention cause I can't find option that have over 1m can pay directly online
Do family plan better? I see one of my ilp the money value so low I guess just medical alone better

That is why they hv that "Free look" period established.
And also established channels for customers to voice out dissatisfaction and seek resolve to issues.

Pru senior med maximum is age 70 to enter. Sadly. As for your question kinda moot...