Subject to T&C.

Contestability period will not be affected.

Yes

Buying an insurance policy is like buying a warranty.
Nowadays buy things can get extended warranty for a fee kan?

So let's say you are the shop and I am the customer.
When I come to you to buy a laptop, and you sell it to me. I happy, you also happy.
Then you ask "eh actually hor, got extended warranty for only 500 ringgit leh. Want or not?"
Then I reply "sure or not? Eh the warranty there say if cannot fix, 1-to-1 replacement leh. Only 500 ringgit? Bluff me izzit"
Then you say "confirm sure la, not i say leh, printed here big big not only you see leh, everyone walk in here also see. Confirm not bluff la"
At that point in time, sure can buy the warranty right?
Sebab the product still in the shop, never left the shop everybody clear nothing happened yet ma.

But if I rejected "dowan lah, mai luan." and left the shop.
2 weeks later I come back to the shop and want to buy the extended warranty now.
You sell to me or not?
Sure won't sell la, cuz you are rational and sane ma.

So in the case above, the woman had the mental issue PRIOR to the application.
We call this a "non-disclosure".
Who bluff who?
This is what it looked like on the surface.

Then subsequently she sued and won.
To be fair, baaaaaaaack in time, health questionnaire macam didn't ask.
And even then, the final question in the health questionnaires are usually "any other health issues not disclosed in the above questions".
So technically, not that she didn't disclose, the application form didn't ask also. 
Which goes on to further emphasize the importance of full disclosure when applying for insurance.
The way I see it, it was quite a stretch to use the anxiety attack to deny the claim la.

The lady rich lah. So she can afford to sue.
You can afford to sue, then roll the dice la, take the chance.
Cannot afford to sue, then disclose baik2. Mai luan.

1. Lasik is a surgery and you should declare. Otherwise any complication arise from Lasik on the eye will not be covered.

2. Then you should declare for high BP since there is already a record.

If the insurance accept after your disclosure then its fine. You keep quiet about it and pretend nothing happened. Then you see whether luck is at your side or not when it comes to claims.

1. yes, because it is a non-disclosure.
2. No. It will only serve as a record. The most underwriters can do is to seek clarification by requesting for a medical examination on the high bp.
It is understandable that blood pressure spikes when nervous ah, excited ah, etc.
I also nervous every time i go dentist.

Hi all.

I am planning to get medical takaful for myself. Currently only under company coverage which covered RM30,000 among other things. I have also enrolled in etiqa life takaful for RM500k.

I would like to get a medical takaful plan via online if possible. Below are the criterias:
1. Annual limit minimum 1million
2. Lifetime unlimited
3. Cover critical illnesses (add-on rider also ok)
4. Longer guaranteed renewal the better

I have compared and bought motor takaful before online. Pretty straightforward. Read the product disclosure sheet and make my choice. It seems medical card is different. Information is not easily available (etiqa don't have PDS accessible in the website. Or I am not looking at the right place )

Anyways, options that I found (agent). No option for online so far:
1. Etiqa medical plus + CI rider (unable to get monthly payment details from website)
2. AIA A-plus + CI rider

By the way, why medical card no NCD?

Appreciate the clarification

Sifu,

I currently have AIA A-Plus Health WITH 1.5MIL annual medical coverage. Recently I had received and upgrade offer to A-Plus Health 2 Medical Upgrade.

Can I have expert opinion if I should take up this upgrade offer.

Thank you

Of course, top agents have the head of claims or head of product.on speed dial.