Jun 12 2021, 12:52 AM
QUOTE(lifebalance @ Jun 9 2021, 11:17 PM)
OAD is something you can say it's extension to TPD (which normally expires between age 65 - 70 depending on the company's T&C), thus having the OAD will help you extend that coverage beyond till age 100.
nothing skeptical about it. Some of my clients bought it because they feel that during old age, the tendency to unable to perform certain task in life could render under the category of "disabled".
As long as you're unable to perform 3 out of 6 Daily Living Activities, you'll be eligible to claim for OAD (this T&C applies to TPD as well)
What are the 6 Daily Living Activities?
Hi, not sure OAD is a 长照險？i heard this chinese term from Taiwan article. nothing skeptical about it. Some of my clients bought it because they feel that during old age, the tendency to unable to perform certain task in life could render under the category of "disabled".
As long as you're unable to perform 3 out of 6 Daily Living Activities, you'll be eligible to claim for OAD (this T&C applies to TPD as well)
What are the 6 Daily Living Activities?
And i always wonder is this kind of insurance available or common in Malaysia? I am 39 now and interested to have this as a rider (not sure is this consider as rider?). Around how much the premium?
I asked my agent (Allianz) before but he said Allianz do not have this OAD..hmm..
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