If I am in charge, I would tiew kau the officer that didn't follow through the HBP case when it first appeared.

Cancer case is not related to HBP. Issue GL while investigate.
If RAMU's current case is HBP related like heart issue, then not issuing GL is understandable.

Then again, I am not in charge. Just a happy shareholder that the stock price is up again today. Haha.

If I am the insurer and I found out that he has HBP that he did not disclose within 2 years contestable period, I will just cancel the policy and refund all premium paid.

Settle, no need to headache for all future claims.

The 2 years again. Lol.

Haha. We are talking as if I am really working for a insurance firm. Haha.
you bought the share in the stock mkt, thus your are a shareholder)
Don't you find it funny... My staff found out.. ask him to claim... This is fishy already. ...
you staff found out that he has hypotension just months ago and got treated as out patient)
And that useless staff didn't follow up properly afterwards....
( out patient cases usually cannot claim unless admiited within xx days for the same episode)
Should kept on issuing warning after warning rite? And give ultimatum rite? Imagine RAMU no cancer this round, but got into accident 10 years later... Then start investigation???
that is why your staff is asking RAMU for lots of paperworks now...not 10 yrs later)
Ops... The 500rm monthly premium must still come in to pay shareholders. Yum yum.

Nothing to Lol about. It's pure business. Why do I need to pay a claim if I know that you are hiding something from me?

Doing charity ke? By paying you, it will not be fair to the other policyholders that is paying their fair share of premium.

Compared to someone who got accepted into the insurance because of non-disclosure.

Pushing... Jangan tak pushing....

At least this shareholder is happy got people doing the pushing and pusing...

Profit must keep on rolling in. I concur on this too. Lol.

you support fraudster then 

because insurers cannot investigate, if investigate meaning they don't trust you.

U didn't pay attention to the timeline?

If no cancer, 10 years later aso the paperwork not done.

Btw, me a shareholder doesn't mean I work for the firm.

U mean RAMU? Wow.... U already knew he is a fraud while insurance firm doesn't

I didn't mention any names?

If you have nothing to hide and not committing any fraud, why are you so afraid of cooperating with the insurance company?

Because, people can want to cheat.
People had cheated.

They have the right to investigate before paying you the money.
Else, they can be an accomplice of a crime.

IF, You dont want them to investigate your claims, then dont subscribe to their service. You want to join, then hv to follow their right and those stated terms and conditions stated in your application to subscribe to their service .
You were also given a "look free" period after received the policy, a chance to cancel the subscription if you regretted having subscribed.

Can let me know which insurance company does not investigate? 

If I have a pre-existing condition, I can sign up for a policy with the company, wait 1 year then try to claim for it.

Like your goodself, I also plan to pay my premium on time and I expect when I want to claim, they have to pay out without any delays.

They should not treat me like a criminal and investigate me, because I pay my premium on time, meaning I am a good samaritan 

Ramjade sir, that is in an ideal world. But I have family and friends, who openly claim that they applied for insurance AFTER they discovered they had some major underlying health problem. In all case, either they collude with agent/doctor and lie, or lie on their own pandai pandai. Sadly, as far as I know, all these jokers got their payouts. This was around 4-5 years ago though. It is because of these scoundrels, that the medical pool is being put under stress.

You are a shareholders of the company,.
What do you think?
Want your staffs to simply payout the claims without much screening?
After 3 yrs to make "potential" cheaters easier to cheat your money or make it harder too especially for critical illness claims?

That is why I said I want to wait 3 years before using my insurance. Give them no chance to deny me.
For employees yes got some unlimited coverage. For personal nope.
Good for them. I don't support the insurance company. company. Glad they can get paid out.
I think he is clear. If he can come out with 6 years of data and nothing means clear.

That is why I said I want to wait 3 years before using my insurance. Give them no chance to deny me.
For employees yes got some unlimited coverage. For personal nope.
Good for them. I don't support the insurance company. company. Glad they can get paid out.
I think he is clear. If he can come out with 6 years of data and nothing means clear.

As if your illness can wait to happens 3 yrs later.
As if the treatment of your illness can wait 3 yrs later
As if you can control the will of God and destiny for 3 yrs

Unless it's cancer you will survive.

So are blocked artery....

So you will not treat your cancer immediately but wait for 3 yrs later so that you will get GL for admission?
eventhough you may survive that 3 yrs wait, but the future survival rate may be lesser bcos your cancer level may have upgraded during that 3 years delay

Depends on how blocked it is. Look at serdang wait list.

Do you have money to cough out say RM100k p.a?

Go to Govt hospital for immediate treatment lah bcos it is much cheaper instead of wait for 3 yrs for a sure GL approval to your private hospital admission.

With all your saving n investment and a sure win option trading methodology, you dont hv RM100k for pay n claim?