Hi all,

I want to buy a medical card, budget RM500-RM700 a year.

Been doing some research. In the proposal forms of some insurance firms, they ask:



My questions:

1. How am I to answer if I'm under a group insurance scheme provided to customers of a bank that don't come with a policy schedule or detailed contract, just a yearly statement showing the amount of premium deducted?

2. Can I NOT declare an insurance policy I have if I am perfectly healthy and have never made an insurance claim before? Among the reasons could be I'm no sure about the details of a policy taken many years ago or the policy is lapsing soon?

Hope someone can help