Doctor ask me to play less sports. Or at least don't go so hard.
Basically my Achilles tendon overexerted. TL;DR - I have a body of a 50+ year old..

Hai yah, you training for Olympic ah.

😁

I owe it to my wife and child to be there and to have the capacity for whatever it is, especially when it matters.

So yeah, it is the ongoing race of my life.

And when I can no longer run, my policies step in to go the remaining distance in my place.

what if a person miss to inform insurance about and pre existing condition but later honestly report the case to the insurance?
My logic says that insurance has the right to cancel it but is there a possibility that the insurance ask to underwrite the case again

Depending type of insurance and condition of pre-exiting issue.

Your example is the worst case scenario. Policy terminated refund
Better luck will be exclusion or loading.

The first set of original receipts, you take and go claim it from the first policy.
The first policy will then issue a settlement statement, detailing what was paid and what wasn't. For example, the 3k deductible or co-insurance.
If the 3k is a deductible, yes you can take the settlement statement that shows the deductible payments made to the hospital and claim it from the second policy.
If the 3k is a co-insurance, then no you won't be able to claim a co-insurance payment from the second policy. Because it is a co-insurance.

However i want to ask does outpatient GP also considered as pre-admission? Is it depends on the policy clause?
Yes, with a referral letter that led to the eventual hospitalization, up to the periods stipulated in the policy contract.
Eg: 30 days, 60 days etc, before hospital admission,

This post has been edited by JIUHWEI: Feb 23 2024, 10:07 AM

Thanks now i know how it works.

This company medical card under GE says they dont cover Pre-hospital medication and GP consultation.
I went back to the GP request for receipts for all visits period of 1 month for the same illness before the admission end up GE says all not covered.
Can still claim these using personal medical card?



It says "subsequent consultation" by GP and Pre-medications not covered.

Yeah, with a referral letter from said GP that led to the admission.

Hi.

Which medical takaful card is the best for family?

Got a few, depending on your budget and what kind of coverage you are looking for.

Thanks for the tip yea, this seemed to have flipped the situation. Now approved with no further question. In the letter they were asked for the source of their information.

Is there any further risk or consider case closed? Can they drag this up again if there is a related claim 5 or 10 years down the road?

This post has been edited by contestchris: Feb 25 2024, 03:29 PM

Emergency allergic, heart, high BP, kidney, cancer. I guess these are the most expensive ones? Maybe broken bones?

Most of the mentioned are covered. It also depends on the sum covered as well as features.

What to look for when buying medical card?

Overall package and the budget for it.

There is always a better plan out there and the upgrade is endless just like buying a car.

You need to be happy overall with that car and what it offers and the monthly repayment is comfortable for you

I see. It's more like, how much I can afford vs whatever is being offered

Dah settle la bro.
It's like a court case.

Take for example a claim comes up some time later.
This will be the drill internally:
They will check your application, then all the deferments that came with it.
So yes, they will see that eh got deferment, how come no answer wan?
They will dig internally first and find that "eh wtf, how come there was a deferment in the first place?"
AT MOST what they will do is to check with the doctor's report submitted at the time.

If there's nothing to be triggered, then you're good bro.

Sounds like you need a financial health check done.

Journey with @lifebalance and you should be solid bro.

Deferment mean what? First time coming across this term

postponement of a decision.