Not sure why you enjoy interpreting the insurance terms by your understanding.

The waiting period specified in insurance policy jacket is 30 days for all illnesses, and 120 days for other illnesses.

https://www.prudential.com.my/en/insurance-...and-exclusions/

Other than that, there is no mention of the 2 years waiting period anywhere (unless you can show me).

If you have the above disease and its not within 120 days, who say you have to pay and claim and cannot use GL?

Do you know what is case to case basis? Everything in the world is binary to you eh, either everyone is approved or everyone is rejected.

when i read all those comments here make me laugh.
don't know how they came out with all those 2 years and 3 years interpretation.
For those who listen to all this shit, insurance is of coz a scam.
i have been dealing with all these medical claims for years (i previously work in one of the insurer HQ), these new interpretation make me laugh.

It's called contestability period. Google it up. Malaysia medical insurance 2 years contestability. Google the whole thing.

https://www.letsgoforlife.com/post/medical-...ou-need-to-know

Anything I mentioned about the illness, that you pay and claim first if haven't 2 years. I asked the agent I ask friends working in private hospital, all told me the same thing.

3 years is me being safe if I ever want to use my insurance. Give them no chance to deny issuing me my GL.

But I did get some agents oh everything can claim. Good luck to those who took up plans under those agent for being dishonest.

Yes can admit but pay and claim first.

Then tell me I am wrong that you can admit and the insurance company will issue GL for diabetes, high blood pressure, heart attack, stroke, gastric, ENT problem if not yet 2 years old. No need to pay and claim first.

Which insurance today give you that no need to wait 2 years? I want to be their customer. I don't want to pay and claim.

Make my day.

This post has been edited by Ramjade: Dec 11 2025, 02:30 PM

you posted the link but didn't even bother to read it?

its literally in the same page.

Are contestability and waiting periods the same thing?

No. The contestability period is a time frame (typically two years) during which the insurer can review claims or cancel the policy due to misrepresentation. The waiting period refers only to the time when specific benefits become payable.

You have been yapping about 2 years waiting period all this while in this thread, and when corrected suddenly you say "It's called contestability period. Google it up.".

The audacity

I read. But you go give call to your agent and see. If your agent tell you can admit without pay and claim first, your agent is not being honest. All the illness above need to pay and claim first if it yet 2 years old.

This post has been edited by Ramjade: Dec 11 2025, 02:33 PM

It's not even a contestability period or waiting period. You just made up the 2 years rule out of thin air.

Of course there is internal assessment and they can't be issuing GL for every cases, but you just decided to assume all GLs will be rejected.

Learn to read bro.

Under what circumstances will I be denied a Guarantee Letter?
A denial of Guarantee Letter (GL) can be due to any one of the following reasons and scenario:

Scenario 1: The hospitalisation claim will not be approved if:

The claimant or patient is not covered under the policy / certificate
Policy / certificate is not in-force
Policy / certificate exclusion
Insured / Covered Person exclusion
30-days waiting period
120-days waiting period
Congenital conditions
Maternity related conditions
Psychiatric conditions
Cosmetic treatment
Dental-related condition
Treatment is investigative and/or experimental
Treatment can be done as an outpatient and does not require hospital admission
Scenario 2: AIA could not pre-authorise the claim and you are required to pay the hospitalisation expenses in full as well as submit a claim for processing and reimbursement upon approval.

There is a need to investigate if you have a pre-existing condition that was not declared during the policy / certificate application.
The cashless facility benefit may not be available for certain policies.

i think i also dont need to explain to you as victorian already answered you.

seriously i tell u. a lot agent is half past six. your agent have mislead you bro.
Those in MLM model kind of life insurance agent, to make u sign up their policy, they can answer "everything also can claim."
then can bullshit all this what 2 years 3 years non sense.
coz they themselves also don't really understand the policy, how to expect to explain to people?
just to sell, they can talk cock anything.
if they don't sell, how are they going to finance their BMW, Lambo, Alphard.

update:
and recently some agent have been selling medical insurance that even cover pre-existing illness.
which within our insurance circle, we haven't even heard of this practice.
We have been asking around for confirmation for the past 1 year, no sane insurer will ever cover you for Pre-existing illness.
But agent is happily offering this cover. So beware of your agent.

This post has been edited by cooldog_777: Dec 11 2025, 03:07 PM

No I did not. I got info from people (my friends) on the ground. All personal insurance except company insurance will not give you a GL if not yet 2 years old. You pay and claim first.

If dengue, food poisoning, accident with broken bones they will give the GL.

https://www.qoala.my/en/blog/personal-prote...testable_Period

There you go. Pay and claim.

This woman explain everything. Don't like to use FB. But if you are stubborn. As mentioned in the video penyakit tertentu, penyakit critical GL likely decline. Pay and claim first.
https://www.facebook.com/story.php?story_fb...360245270738818

Some more info
https://luqmansuharni.com/2022/06/10/apa-it...estable-period/


Come tell me which personal insurance will give you a GL if you are admitting for diabetes, high blood pressure, heart attack, all stones, all cancer, all ENT if your insurance less than 2 years old and pass 120 days.

My agent drove a old broken down car, told me to wait for 2y before using the insurance to make sure no issue.

She even told me the cons in ILP..

I was acting stupid and blur at that time and see if the agent was honest.

Agent who did not disclose the 2y thingy ought to be shot and have their license revoke.

This post has been edited by Ramjade: Dec 11 2025, 03:23 PM

Which part of it say that <2 years 100% cannot get guarantee letter? It is just based on your own twisted interpretation.

Even your article says that once PEC is ruled out, the company will issue you GL.

You might need to cover your hospitalization costs yourself while awaiting the completion of the investigation, and later, you can file a claim with the insurer. If the investigation finds no evidence of a pre-existing illness on your part, the Guarantee Letter can then be approved, enabling you to make a claim.

If you are so hateful of the industry, why not let your policy lapse? It will make their life easier.

I am saying all the illness above cannot get GL if less than 2 year old. Maybe you don't understand what I am saying.

Say you are the Indian guy in the news. Your insurance only 17 months old. Now you got high blood pressure, without you knowing. One fine day you got headache and went to hospital to find out that you got high blood pressure. You want to get admitted because of you don't admit, insurance will not cover you. No outpatient coverage for high blood pressure. Hospital process your admission, your insurance only 17 months old. Hence GL for admission decline pending investigation. Insurance ask you to pay and claim first.

Now you pay and claim and insurance investigate and find that you were healthy and honest. They will refund you. How long for them to investigate, who knows. How long for them to refund you who knows
Next admission for high blood pressure they will cover you but you cannot buy new insurance with high blood pressure coverage. Any other illness still can. High blood pressure will be fully excluded from the coverage of new insurance.

Now say you are the same Indian guy without high blood pressure, you got into accident and broken some bones or you had food poisoning and went to hospital. The insurance will issue you the GL for admission. You are admitting purely for brokern bones or food poisoning and not high blood pressure. You see the difference?

Do you understand now? Some illness need to wait 2 years to get GL approve.

That's why I only get the bare insurance. Nothing more fancy than health and critical illness. Critical illness also I cover until 50.

This post has been edited by Ramjade: Dec 11 2025, 04:03 PM

What is your point? You are going round in circles without anything concrete.

Say you are the guy in the news, your insurance is only 17 months old. You did not know that you have hypertension previously and the insurer rejected your GL. You decided to pay and claim because your condition is genuine and you do not have anything to hide from the insurer. The subsequent admission is all cashless as PEC has been ruled out.

And there is a second guy, his insurance is also 17 months old. He has been hiding his hypertension from the insurer and the GL is rejected similarly. He decided not to proceed to pay and claim for fear of not getting his reimbursement back and investigation from the insurer. He cannot get cashless admission because he does not want to cooperate with the insurer.

You see the difference? When its cashless, people will try their luck and try to claim more (buffet syndrome). When its self pay, then you start hearing stuff like: "oh need to pay ah, never mind la maybe next time". They don't feel it when its not their money.

This post has been edited by victorian: Dec 11 2025, 04:13 PM

I didn't mention anything about high blood pressure. I was saying the second scenario, he admitted for broken bones or food poisoning, he would be ok. He is stuck because of the diagnosis high blood pressure and insurance not yet 2 years old. Hence all the investigation starts.

You are the one not understanding. To have no issue with insurance, wait 2 years before using the insurance if you want to have cashless admission, no need the hassle to pay and claim. That's the gist of it. On paper they said 120 days but in reality it's 2 years. Of course one can always pay and claim first but how sure are you the insurance going to pay out after investigating you or how long the investigation is going to take. Paying and claiming defeats the purpose of having insurance as you should not be paying to get admitted.

This post has been edited by Ramjade: Dec 11 2025, 06:10 PM

Because accident and food poisoning is acute la dey.

There is less room for investigation and it is just a one off claim at most. The cost of admission is not high either.

If you are admitting for HBP or cancer, it may open up to more future claims, of course insurer has to be careful.

That's is why I said, want to use insurance wait 2 year. Even better wait 3 year so will be smooth sailing.

Those who said no need wait 2 years are either
1. Don't know.
2. Want their client to be investigated and make all their future admission to be pay and claim until investigations are over.

This post has been edited by Ramjade: Dec 11 2025, 06:48 PM

Wait a minute.... So hbp now have something to do with cancer?

Which causes which?

That's the spirit. Pusing until cannot pusing and yet pusing for some.

https://www.dovepress.com/hypertension-and-...xt-article-JMDH

This post has been edited by MUM: Dec 11 2025, 09:04 PM


Attached thumbnail(s)

Even if hypertension does not cause cancer, insurance company can still use it to invalidate your policy.

Anything that is material to the insurer (the application would not have been approved if the HBP was declared) may be used against you, because of non-disclosure.

Jerk move yes, but it is what it is. You have been told to declare all your pre existing condition.

this is what was written by the article, which most of us read in good faith. Jerk move it is... so be it.

Like I said earlier, that chap made the stupid mistake of not listening to a commmon advice: first 2 years don't claim. The maybe the GL for cancer would be easily issued.
Then again, as I shareholder with decent investment in insurance firms... profitability comes first too....


https://codeblue.galencentre.org/2025/12/i-...and-my-insurer/

excerpt:

CodeBlue previously reported, based on a nationwide survey of 855 private specialists, that insurers commonly deny claims submitted within the first two years of a policy, a practice many policyholders only discover when they attempt to make a claim. Many said they had been told by agents that claims could be made after three or six months.

Ramu’s 93-page policy contract, sighted by CodeBlue, shows that Allianz imposes a 30-day waiting period during which no illness-related claims are payable, and a 120-day waiting period for “specified illnesses,” including hypertension, cancers, cardiovascular diseases, tumours, cysts, ENT conditions, urinary stones, hernias, and vertebro-spinal disorders.

Ramu developed two new medical conditions after buying his policy. Hypertension was first detected in September 2024 – about 17 months after his policy took effect on April 26, 2023 – placing it well outside any waiting-period restriction. His cancer diagnosis began with a CT-scan admission in July this year, more than two years after policy inception.

Yet in both episodes, his requests for a guarantee letter (GL) were denied.

The first GL rejection – for his hypertension visit last year – cited the need for “further review”. Ramu paid approximately RM2,000 out of pocket for a check-up and medication at ParkCity Medical Centre in Kuala Lumpur; he said he had decided not to proceed with admission and pay-and-claim because it would have cost about RM20,000.

Ramu sought subsequent care at University Malaya Medical Centre (UMMC) and later a public health clinic.

cause and effect vs correlation

this study took cancer patient and check their HBP...
to cross check, should also take all patients with HBP and check if got cancer...


me no doc.... last time I took any studies remotely about diseases was back in form5.