Up to you to think if I want to twist stuff. This is just my interpretation of job description which reconfirm my belief that insurance company does not have your interest even if you buy stuff from them. On paper,  they are supposed to pay you but when time comes they try every trick to not pay out.

So the only way to win the game is play by their rules so that you give them no way to deny you claims when you want to claim. They want you to wait for 2y before use insurance. Sure. I will wait 3 years. They want me to declare, I declare je.

I learn from a blogger in Singapore do not depend on insurance when you need it. Always depends on yourself. You yourself do not have any terms and conditions. When you can have 6 figure passive income, no need for insurance. Cut yourself free. Maybe because I learnt that better to self insure Vs be at mercy of insurance companies.

Yes, he can appoint and authorize someone to act on his behalf, via writing.
Otherwise, PDPA will block the person everywhere.

My point for Ramu to detail a chronology of events together with the relevant documents is to assist the claims officer to sekaligus understand the whole story and put two and two together.
The claims officer process hundreds of claims every day. There is no time for them to sit around and piece things together for one customer.
So usually we will do such work. It doesn't take long at all.
How difficult is it to arrange documents in chronological order?

I think, the insurance company are requesting for more documentation to do chronological events "WITH" supporting documents.
Ramu should just "assist" them to get those documentation for them to build up and support the claim case file.
Ex. When he said he had done blood tests when getting the GDL, ...then they just want the blood test reports to see what were tested and the result of all the items tested. To see if there are any issues which the insured did not disclose.

I just read the pic you attached.

Don't know what to say... want to pity the chap also I don't know to. At end, easier to just ignore.
Imagine this...

Dear Mum, i know you are healthy now and not suffering from cancer stage 4 at least.
But we would like to do a full audit... please provide full details of all your medical condition from 2017 to 2023, all doctor visits, a report from all the doctors and each visit...
If you fail to do so, all future medical claims will be invalidated.

ps: at least I am being kind and ask all these paperwork while you are still healthy. Finally, thank you for paying your insurance fees all this while. Much appreciated.
not sick also will vomit lar after reading rite?...  :confused:

I think, they won't want to spend any resources on me, to give them any documentation as they need to spend resources to process it and other possible legal entanglement that may arise.
I dont claim they dont care.....
If only when I claim within x or xx yrs, then they will ask.
I think if the policy had been in place for xx yrs, they will not ask unless or maybe when they suspect it is congenital cases.

yeah... this could be the reason everyone says don't ever use your new medical card for at least 2 to 3 years... 

now the new advice is to buy medical insurance when very young... allow the insurance firm to earn free premium for 10 years by not claiming anything for 10 years... 

I just read the pic you attached.

Don't know what to say... want to pity the chap also I don't know to. At end, easier to just ignore.
Imagine this...

Dear Mum, i know you are healthy now and not suffering from cancer stage 4 at least.
But we would like to do a full audit... please provide full details of all your medical condition from 2017 to 2023, all doctor visits, a report from all the doctors and each visit...
If you fail to do so, all future medical claims will be invalidated.

ps: at least I am being kind and ask all these paperwork while you are still healthy. Finally, thank you for paying your insurance fees all this while. Much appreciated.
not sick also will vomit lar after reading rite?...  :confused:

I think, they won't want to spend any resources on me, to give them any documentation as they need to spend resources to process it and other possible legal entanglement that may arise.
I dont claim they dont care.....
If only when I claim within x or xx yrs, then they will ask.
I think if the policy had been in place for xx yrs, they will not ask unless or maybe when they suspect it is congenital cases.

I think, they won't want to spend any resources on me, to give them any documentation as they need to spend resources to process it and other possible legal entanglement that may arise.
I dont claim they dont care.....
If only when I claim within x or xx yrs, then they will ask.
I think if the policy had been in place for xx yrs, they will not ask unless or maybe when they suspect it is congenital cases.

Looking for self service plan. Any recommendation?

My case: https://forum.lowyat.net/index.php?showtopic=5548741&hl=

I think, just think, ..
If you hv self service plan, that means "self service" ....no insurance provided human assistance?

If that is true and legally binding, ...then prepare in advance who to assist you in running around getting those required documentations requested by the insurance company when they process your claim submission.
That person whom you had predetermined need to know what, how and where to get and you maybe must also need "authorises that person in advance......just in case you are bedridden and too weak to communicates.

Read back the last few recent pages, to get a brief idea of "possible"  difficulty after submitting a claim even with a human agent friend assisting.

so insurance like those said, a scam?

Insurance company are running a business, they are not your “family members” per se and does not have obligation to pity you.

Now if you are already with them for 10+ years, of course the trust will be there, making the claims easier. But if you just joined for 2 years, there is bound to be some scrutiny, whether this meet newly joined fella is in to take advantage of his situation etc. Not until the extend you cannot claim, but you have to cooperate if they request for more information.
You can still claim within 2 years, but they will scrutinise your claim more. Hence, if it’s really not urgent, try to postpone as late as possible to avoid the scrutiny.

If a policy has been active for 10 + years, chances are the condition developed when you are still insured, hence less chance it is Pre existing

don't know where you guys learn the 2 or 3 years rule.
Amazing.. I have been in this industry for so long, first time hear this.
if you really need medical attention, u can claim immediately.
Except those pre-existing illness which have waiting period.
Tell u guys, insurance is not scam. Can claim or not, actually depends a lot on the doctors report. doctor kena pandai pandai cerita sikit.

There's a Prudential plan, Pruvalue Med with Booster that have RM18 million coverage.

Isn't that a lot even for most serious critical illness?

There's a Prudential plan, Pruvalue Med with Booster that have RM18 million coverage.

Isn't that a lot even for most serious critical illness?

don't know where you guys learn the 2 or 3 years rule.
Amazing.. I have been in this industry for so long, first time hear this.
if you really need medical attention, u can claim immediately.
Except those pre-existing illness which have waiting period.
Tell u guys, insurance is not scam. Can claim or not, actually depends a lot on the doctors report. doctor kena pandai pandai cerita sikit.