I know agents don't like this kind of topic. How many agents explain tnc to customers when you promote your product? Normally will just mention benefits offered by the products and compare competitor packages.

When come to fill in the application form, how many agent go thru items with buyers? I met different agent when bought my insurance and for my family members. None of them go thru in details with you. Only sigm the blank form. (i only said the agents i met and those i heard from friends, colleagues).

I was insurance agent about 13 years ago but quit. I know how insurance works.

'No one is forcing you to sign the dotted lines' < this is very irresponsible sentence when come out from agent mouth when claim is rejected.

Ok. That's all. Insurance is good. But buyers please make sure your agent is very professional.

Small case & minor surgery such as ?

Is clearly written as "non disclosure" to decline the claim regardless is related or non related on the death which compliance with the FSA 2013 act. Else the FSA can be challenged and revise. If claim is payout, insurer is charity center and not profit orientated.

Cant say winning in court because already breach the FSA compliance, if insurer pay the claim is in GOOD WILL or known as Charity. They have no obligation to pay due to the breach of non disclosure.

I want to question the single mother who knew she had thyroid problem WHY didn't disclosure? or The agent FAULT didn't write in the proposal form?? Whose fault? Agent or Client? The initial step when applying the policy is based on upmost good faith

We as an insurance agent must must remind ourselves, all the health questionnaires must ask and answer honestly.

read this article https://www.enanyang.my/%E8%A8%80%E8%AE%BA/...-IfW2D3BvFz5x4E

In e-nanyang which written in Chinese. Is a good article on reviewing all the recent rejected claim.

I've explained this in another thread.

"Yes that's the practice now in Malaysia. Otherwise you wait long long before you can get your policy coverage.

The turnaround time today for your policy to get activated is less than 15 minutes if it's a clean case with no illness history. If there is any investigation, it will probably take months before you can get your insurance policy issued.

Keep in mind that your policy needs to be underwritten by an underwriter after assessing your risk profile before they decide to take you in, not just because you "paid" for the initial premium and already means it's considered an acceptance from the insurance company."

Better ask ur agent to send in a letter signed by you to declare the above minor surgery. Then let the company to decide further investigate or remain the same conditions.

One recent declined CI claim was non disclosure of back pain check up with no treatment too. The back pain was slip disc and did a MRI.

I noticed that the life insurance provided by EPF I-lindung doesn't required us to do medical check up before buying. If a person has some chronic diseases, they also can buy this insurance as like normal healthy person?

For prudential , it depend ur agent submit using digital platform or via hardcopy filled.
If digital normally Monday submit , before Friday already reflected.
If hardcopy indeed it takes very very long time.it could take 1 months.

hi killeralta, what is the reason they say cannot? what's the explaination?
hi blibala, usually 10 working days +-. won't take more than 20 working days unless there is lack of documentation/signature defer

Hi there,

Good question. Your policy will not be cancelled. The policy payouts will depend on your nomination.

Very simple lah.
You replied to me and the report came at the same time.

And only immature ppl like you would report my post even though it's on topic.

You think everyone iq as low as you meh

Yes that clown suits you.

Company seems to send me idiots. I already specify English speaking, they send me Chinese speaking. I already specify no ILP, send me those pushing for ILP.

True. But some stuff govt hospital super slow. Another thing is govt overcrowded so you mix with all the sick people. You admitted for disease A, get disease B in the hospital pulak due to overcrowding.

If everyone think like you, insurance no business already. Lol.

Does insurance companies have centralise data centre for sharing information like bank ccris system? Wandering if I got rejected by A company and i went to B company, does B gona know that if i hide the history?

I have submitted an application to upgrade my medical plan in my ILP.

After a few weeks, I received an enquiry from the insurance company to fill in a "Neck & Back Pain" questionnaire.

I asked my agent, she says:

1) I declared it in my application form (Note: I did not)
2) I have received medical attention / hospitalization for it (Note: I did not)

Both my neck and back are completely fine to my knowledge. I do not recall ever seeking any kind of medical attention, or indicating as such to any doctor, regarding this.

How can I appeal to the insurer? I have filled in "N/A" to all the questions but not sure how acceptable it will be to the insurer. What will they make me do next?

NOTE: Asking for a close personal friend, NOT myself.