I know some insurance doesn't cover suicide or self harm.

But what about situation where we can prevent the harm by just avoiding it.

For example, I saw a parang guy tried to rob and old lady, I intervened and end up got slashed. If I have not intervene and just call PDRM, I will not need to go to hospital.

Will insurance cover me for the injuries in trying to protect the lady ? Or won't cover it with justification I can avoid it.

I know mine won't cover injury from 'extreme sport'

extreme sport is a big no lol..

Most likely no, unfortunately. You got into a fight and got hurt, regardless of intention. If someone wrongly sought you out to parang instead, then possible to admit

As long as it is not extreme sports, illegal activities, you will be covered.

Well you don’t have to be truthful right? Just say accidental cut?

In this case maybe got CCTV showing the entire attack.

Guys just FYI, I attended an insurance briefing, apparently now insurance won't cover if you attend competitive sports as well, except for running only.

Ie if you join badminton competition and you got injured, insurance won't cover you.

nama isurance
all for self interests only
they deserved to bankrap

They will try denying u the claim so prepare to battle for it lo

Time to play Luigi Mansion.

Its always need to know everything in detail before sign .

Typical error when ppl sign buy don't know every detail of it

how is badminton 'extreme sport'?
how about play for fun, not competition?

No

Must be accident for pa policies

Sports injury during for-profit competition has always been under exclusion, at least for the PA products I'm aware of. If they say injury during normal friendly badminton game is not claimable then only you have a case to fight for. This is similar to let's say police hurt when fighting robbery, or firefighter burn injury during work, all of which are excluded under typical PA policies.

If you willing to commit fraud like one above suggested, then that is down to your character. I won't go further into that.

In this case, most insurance will ask you to provide a police report. They wont cover if you were injured because you attack someone. They will cover if you were attacked. And if its gang related attack, I think wont cover.

That depends mostly on what insurance. Some have an extensive lists of sports that is considered "extreme". Although I think most will cover regular sporting event.

What they wont cover if you play as a full time professional. Semi pro, like you have an office job and not your full time job as a sportsmen should be okay.

I would be interested to know the insurance name that wont pay for competition sport.

This post has been edited by Steponlego: Jan 18 2025, 05:41 PM

What if you have nothing to do with the gang attack ?

Like you sitting on bench, 10 people from gang mistaken you for other people, they beat you up until need masuk ICU, got cover ?

should cover. although it will be quite a headache for whoever issuing the guarantee letter.

but since you masuk ICU, probably unconscious, how can you make a police report? it's a catch-22 situation lol.

If after play badminton, kena heart attack, cover or not?