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.

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.

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.