My friend recently sold me a CI plan by GE.

according to him, there is an unlimited claim for the illness.

like I got heart attack on 2021, 2023, 2027, 2035 will be eligible to claim 4 times of the insured amount.

was wondering is that true? thinking it is too good to be true.

"sold me",...does it mean you had bought it?

mind sharing the name of that medical insurance plan?

sorry, "trying to sell" should be the correct term. abit blur in night. I don't really re-called the plan name already

Should be this Plan name : SMCC . Smart Multi Critical Care.

If yes, this plan covering 188 critical illness condition.

Yes possible to claim 4 times within the policy coverage / CI aggregation. or even more.

Please take note (Cancer , Heart attack , Stroke) these category claim up to 2 times, maximum 400% only.

Hi there,

What you just bought is a rider called Smart Multi Critical Care

Below is an illustration to explain it.





However, it's not "UNLIMITED". This is wrong.

For the full details, kindly refer to the product brochure I've linked below.

https://www.greateasternlife.com/content/da...re-brochure.pdf

This post has been edited by lifebalance: Jun 18 2021, 11:00 PM

hi owllo. you want PCE AB or PCE A only? most candidates i know study only the sample questions or only understand the sample questions to pass the exam. perhaps you can try that. best is to understand the whole context of the text book. familiarizing the questions is good so you know roughly how the question is like.

if you only want the PCE A, i can send it to you. just PM me your email address.

hi coldbasecamp, not to say "unlimited". there is a maximum of only up to 800% sum assured claims. but of course this 800% is not from 1 critical illness only, that is if you managed to claim all the category. also take note on the recurring claim criteria, i think this is more crucial and easier to get mislead for example cancer, heart attack and stroke multiple claim criteria. make sure agent explained this to you clearly so you know what you are paying for.

For such a low budget, your only option is a term insurance.

Nope, it's not necessary cheaper, commissions are already factored into the premium charged.

what is difference between make payment at AIA.com and AIA.net?

There is only https://www.aia.com.my/en/index.html

Just keep in mind that the amount will not maintain below RM100 as you'll continue to pay a step-up premium year-by-year for a term insurance.

Instead, you should also think about the long term as well not only for the short term otherwise you'll pay an overall higher cost.

https://www.chinapress.com.my/?p=2558306

Hi all sifus, this is another case whereby the insurance policy is terminated because of non disclosure. But there is something weird in this case, the insurance company paid for the first medical bill (RM 1million ++) but refused to pay for the subsequent bill when the patient is admitted to hospital again. The reason of rejecting the claim is non-disclosure of stroke which happened 20 years ago. If the insurance company wan to terminate the policy because of non-disclosure, why they still pay for the first bill?

Better wait for insurance company feedback.

i read the translated version of the article....
without more understanding of the actual case,....
thus i think and speculates that the payout was for the 1st policy that was purchased in 2012 and the additional one purchase in 2018 was rejected....

btw, non disclosures may lead to cancellation of purchased policy,......even purchased for child....
https://www.thestar.com.my/news/nation/2021...rance-claimants


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No comment, sometimes articles like this does not include all the facts, so there is no point to speculate or comment about it. If you wish to find out, then wait for the judgement decision.

hi deanitro, AIA.net is not an insurance company website though. the only official AIA Insurance website is this.

hi jhodyj, lately there has been a few cases like that. frankly speaking, we can't give definite answer unless we are the person's agent knowing the exact policy details and if the insurance application is applied through us then we will know. else we can't really judge what is going on.

This post has been edited by ckdenion: Jun 21 2021, 11:58 AM

Question guys - If I would like to transfer all my current policy from one agent to another from the same company of course, is that possible?

Depends on the insurance company's practice. Some allow, some don't.

it is definitely possible for prudential , other insurance company cant comment thou.
basically you just need to fill up transfer agent form and mail back to official cs email.
just policy owner and new servicing agent signature will do.

but bear in mind that , all commission still fall back to old agent , new agent cant get anything unless future upgrade / separate new purchase.

This post has been edited by ping325: Jun 21 2021, 09:56 PM

lifebalance
Thanks for the information

ping325
Thanks for the information as well. It's quite unfair for the future agents to handle any transferred policy, but rest assured, upgrades and new policies is always in my book as I am an investor.

hi Allout20, i think agent plays a very important role during the insurance application process. no doubt that many do not know the proper disclosure because it could be due to agent briefly go through that as well. if agent ask clearly then it can really reduce the chance of non-disclosure cases happening.

Hi All,
Is there a good high amount deductible and no claim reward ilp insurance plan?