hi WaCKy-Angel, based on WHO (COVID-19 info by WHO), it is an infectious disease. hope the article helps. just curious why do you specifically ask AIA agents? Mind to share?

Do note that Covid has 5 category: 1-5 (1 is mild 5 is very severe that on ventilator.) We need the AiA agent Rajan CFP to clarify which category is cover and which is not cover.

As I heard 1 & 2 admission to private hospitals is non-coverable.

Yes, it's an infectious disease

I do not see that it covers/recognize Covid-19  within the policy terms & condition as part of the infectious disease

There is also no extra circular to further supplement the policy's T&C besides the extra RM10,000 that will be paid as per the link of the website.

Cheers.

You can either claim 100k under your personal or pay 60k first (40k from company card) and claim back from the 100k personal card.

Request from the insurer that you've made a claim with. They'll provide the doc.

Can

i have a question about cancelling life insurance policy, maybe someone here can answer.
i have a life policy about 30 years ago , would like to cancel terminate it and get the cash value , as it is more than the policy payout . but when i inquire to surrender it , am told that i need to get the beneficiary signature as well else cant be done. problem is there is bad blood between beneficiary and me - so stuck at this . is there any way to go about this , surprise as i am the policy holder and paid for it all. so i basically have no rights as a policy holder ?

in the surrender form - it is written Trustee

though i would understand it to be beneficiary , meaning upon death that would be the beneficiary,
i dont know how it is now called trustee

Hi sifus, i am currently not on any insurance policy

I am wondering whether anyone can gave advice on what type of insurance is worth it and necessary and what type to avoid

Whether i should buy fron insurance agent or maybe online type

Tq all

Is it worthed it to buy medical insurance for hospital in case of anything or just put money into stock and let it earn then take out if needed

It doesn't work that way.

It's funny how you're trying to beat the law enacted by Bank Negara. These safe guards are meant to be bullet proof guidelines. I'll be very interested if you have ways to bypass a trustee signature other than forging the signature.

lee82gx
If you want outpatient only AXA have them. But I believed the number of visits are limited.
https://www.generali.com.my/medical-health/...medi-outpatient

Unless it's some cancer than only choice is critical illness insurance.

Malaysia does not have but I think Singapore may have what you are looking for. It's call disability insurance. It's different from critical illness. This disability insurance is in case you have a disability which prevent you from working, then they will kick in.
You can check out here.
https://www.moneyowl.com.sg/insure/
They are salaried based and not commission based so you will get good unbias advise.

Downside is the premium is charged in SGD and you need to be in person there to sign the insurance agreement.

Upside
They have better plans than what we have in Malaysia (cheaper, better value for money)

PS I have personally look at some of their critical illness plans and no insurance company in Malaysia can match what they offer me in terms of money or value.

You can joint this link
https://t.me/sgfinindependence
Look for the admin name Kyith. He's a nice guy. He have psoriasis. Just message him and asked him what insurance he takes for his psoriasis.

Hope this helps.

If you got company insurance, they cover outpatient. Only personal insurance cannot use for outpatient.

3 years old above based off the brochure. So yeah.

Actually paeds generally is virus infection which mean self limiting illness. They will go away on their own. Well they cover 3 years old above.

GPs are unlimited visit while specialist are limited to 12 or 6. Depending on the plan.

You can download their brochure and PD's for more info. I download it as was like wow. Finally a outpatient medical insurance.

my own experience with paeditricians is that you go for a quick visit then try to get the same meds at GP.

Based off the PDS and brochure looks like annual premium.

If see paediatrician means consultant. You can visit 12x/year if you take the premium plan.

Glad I helped someone. Btw most likely it's on a pay and claim but you better clarify with them.

They are known as specialist.

just don't abuse it, the plan can be withdrawn at any point of time.