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?

That's the reason why a lot of people unaware about the exclusions for claiming the medical cards.

A lot of agents out there doesn't even bother to do proper interview for their clients background.
Clients background in terms of what kind of hobbies they are doing, and so many things.

We can't expect clients to know everything on the terms & conditions that stated on the insurance agreement.

When you told this thing, this is the first time I know. Most of the agents just inform me only me "extreme sports" are not covered.

Wow new rule ad?

Like futsal football now all cant cover ad ?

I assume " competitive sports" means like u play for club or country , etc.

If your weekly casual futsal with friends should be covered. Correct me if I am wrong.

so now insurance company encourage people dont exercise?

They put an exception - running only..

Meaning competitive for prize money or not for prize money also can be not covered..

Orthopedic earning a lot ka?

So the ball is at the doctor now.. how he write will be very crucial..

casual weekend hiking cover or not?

if sport like badminton not covered, might as well wait and stay indoor tunggu mati lol

woi, jom badminton weekend
cannot la, later mati insurance tak cover

why u dont like sport? only running je
why? ask insurance company

This post has been edited by WinkyJr: Jan 20 2025, 02:00 PM

Later scare they count "e-sport" as sports also...

Lose ad smash monitor, or get into brawl

If badminton and mati, is ok.. sure cover for life..

But the non cover mentioned is probably medical surgery tat require admission.. medical kad

No need to assume. Just check your policy document and find out the exclusions lah.

This is one of the exclusions from my policy- Sickness or Injury arising from illegal activities, playing professional sports, racing of any kind (except foot racing) or hazardous sports such as but not limited to skydiving, base jumping, cliff diving, flying in an unlicensed aircraft or as a learner, martial arts, free climbing, mountaineering with or without ropes, water skiing, scuba diving to a depth of more than 10 metres, trekking to a height of over 2,500 metres, bungee jumping, canyoning, hang gliding, paragliding or micro lighting, parachuting, potholing, skiing off piste or any other winter sports activity carried out off piste.

Judging from the "hazardous sports" listed, I'm sure badminton as a hobby is not a problem. Only if I'm a professional badminton player will it be excluded I think.

If not sure just email your agent or insurance company.
As long as you disclose everything, it shouldn't be a problem.

This sounds like great eastern.

Amateur sports covered. Not competition type.
Generic policy (over the counter) type of insurance has similar wording, similar exclusion list. Regardless which brand you buy.
Simply bcoz, its the treaty leader clause wording the insurance company use. & there is only a handful of them.

What is a treaty leader?> In layman terms, its like insurer for insurance company. i.e Munich Re, Swiss Re. Annually, there is treaty arrangement of how much risk is pass on to the leader, also means premium as well.
Got big brother, so follow big brother rule. That sort.

Insurance company underwriter wont create new clause unless really needs to. Coz, the clause wording needs pass on to treaty leader and BNM for approval. It is super hassle.
All policy in MY MUST to cede certain % to MNRE or MLRE (depends whether its life of general policy). Eg, 5% of the premium means they take 5% of the risk. Different insurance class has different % ceded.

& All insurance companies are members of PIAM or LIAM (General insurance or life). Takaful operators has their own.
Means, standardization of the industry must be practiced by all members.
There is no 1 bad guy. Its whole bunch together gether.

---
To answer OP, if got H&S policy, cedera can go hospital for treatment.

If PA policy, its reimbursement basis. Means you bayar first, claim later.
Small injury/cost, no one will ask anything. Insignificant to bottom line. UNLESS, its proven that the claimant is ambulance chaser sort. Repeater claimant.
Also, the medical part in PA policy is with its own limit. Sort of window dressing to the policy.

Unless, the incident damage is loss of whole hand (permanent disability), then need to see police report.
No illegal activities, nothing to worry.
Self defense. No problem. Subject to how the police report is written.