Comments on: Definition of 36 Critical Illnesses or Dread Diseases in Insurance Policy

By: Noxolo

Noxolo — Thu, 24 Nov 2011 15:43:36 +0000

for two years now my daughter is been in out of hospital for serious illness due to Colony of the Bowel 4times all big operations I personally seek help on that what it says 4years having a life policy does covers her on that because her medical condition has taken it’s toll on us

By: Benjamin Teng

Benjamin Teng — Mon, 31 Jan 2011 06:10:55 +0000

KCLau, there is 3-4 changes had been made in Prudential policy where is much much more comprehensive of coverage. For example, our Cornary artery Disease for angioplasty and other invasive treatments is cover where evidence is needed. The other one is loss of hearing or deafness is been replace with Loss of independent existence. And other more. Check out our lates policy document of PruLink One.

By: Micheline Breckle

Micheline Breckle — Tue, 31 Aug 2010 20:39:39 +0000

Would like to know whether “Rheumatoid Arthritis” is also considered as a “Dread Disease”?
Looking forward to hearing your comments.
Kind Regards

Micheline

By: KCLau

KCLau — Mon, 21 Jun 2010 07:37:55 +0000

Hi Mok, thanks a lot of your information.

By: Mok

Mok — Sat, 19 Jun 2010 03:31:12 +0000

I would like to comment on Loss of Hearing part. The criteria mentioned is not specific enough. What is the definition for ‘Total’ loss? What decibel level at which speech frequencies? Most profound loss (>90dB) hearing impaired can’t understand speech sound but could still detect the sound, so, does it fall into claim criteria?
Moreover, it doesn’t cover loss due to presbycusis (aging). Not good enough.

By: Loo

Loo — Thu, 04 Feb 2010 04:23:38 +0000

Hi KC,

Hi,

I admitted hospital recently due to encephalitis for 2 weeks time.
Before that, I had bought 2 Great Eastern policies which covering 36 critical illness?
Am I eligible to claim (partial claim) under 36 critical illness despite term of the policy is at least 30days.
I believe the term (30 days) is referring to Full Claim. Right?

Thanks!

Rgds,
Loo

By: CH

CH — Sat, 19 Dec 2009 03:06:38 +0000

Hi… been thinking of getting an insurance plan after reading your book – Top Money Tips for Malaysians.. I am working in the healthcare sector and is Great Eastern the only company which includes AIDS cover for medical staff under its list of 36 critical illnesses? One insurance agent told me the list of 36 critical illnesses covered is the same for all the companies as outlined by Bank Negara. Thank you.

By: KCLau

KCLau — Tue, 03 Jun 2008 02:42:01 +0000

Hi Kok Leong,
This is a very hard question to answer because when we buy a life insurance plan, it includes all kind of benefits, with different charges and also different premium.

By: KCLau

KCLau — Tue, 03 Jun 2008 02:40:32 +0000

Regardless of whether you own the critical illness policies, medical card (hospitalization and surgical) will still compensate your medical fees, paid to the hospital.

By: kok leong

kok leong — Sun, 01 Jun 2008 10:42:49 +0000

KC:

Another question from me if we alr have the Medical Card policy and let say i am hit by Female Illness(cancer) which policy will take place.

I understand that the latter will pay a lump sum upon disagosed with the illness. How about if i did not have the Females Illness policy can i still undergo operation and the fess be obsorp by the Medical Card plan.

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By: How Much Critical Illness Insurance Cover do you Need?

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