Oh, ....not about you? But YOU, ...mentioned "I will wait 3 years", "I want to wait 3 years " then gave your reasonings in those posts.


This post has been edited by MUM: Yesterday, 10:37 AM

You don't understand what I am saying. If I want to use my insurance, I will wait 3 years so that won't be treated like a criminal, no pay and claim, no worries that they won't pay me.

Insurance want 2 years before willing to give me GL, I play safe give them 3 years of my money before I will use my insurance.

The questions remains, ...are you sure your illness can wait 3 yrs to be treated until you sure get a GL for hospital admission & treatment?

As long as not cancer you can wait 3 years.

Good that you now see the better picture instead of just mentioned "I will wait 3 years", "I want to wait 3 years " then gave your reasonings in those posts.

Good that you clarify it now else if readers were to blindly followed your earlier mentioned actions of wait for 3 yrs, ...then they may get into serious more complications if their illness manifested while waiting.

If you go for cancer treatment if less than 2 yrs of policy inception, ...they will investigate you "as criminal" too. ..then how?
You will also maybe hv to pay n claim too

This post has been edited by MUM: Yesterday, 11:10 AM

I don't know about other insurers, but AIA does have an internal medical team to assess such claims.

Rather than biting on the dates, let's not forget that it also highly depends on physicians' reports.
I also had the displeasure of learning from a church mate that long ago, just cuz the doctor wants to "help" her make a claim, her condition was reported much worse than it actually was. So now she is stuck with her old medical insurance with no possibility to increase her coverage.
She is now in the progress of suing the doctor.
Kalo case jadi, that doctor will lose his license, potentially facing jail time too.

I think we can all be more realistic. Can we agree that insurance is a great product to have? I think can right?
Otherwise, it wouldn't trigger such passionate discussion everywhere.
2 years contestability period is just one of the mechanisms to prevent fraudulent claims.
The procedures for investigations are all clearly laid out too.

You feel like a criminal... Does it happen often?
See? It's all rhetorics saja kan?

Very difficult to continue filing for a claim (fill up claim form, submit original receipts and itemized bills), then let the insurer go do what they need to do meh?
What do you think they will find when there's nothing to be found?
Unless... ?

See? Rhetorics!

Necessary evil.

Tell that to Ramu. 6 years of record investigated and not a single sen paid to him. Money easy to take from customer but when want to sit out, ding dong here and there.

I don't want to be Ramu.