Do you expect your medical insurance to pay 100% of your bills or you are able to claim the "sky-high" benefits?
DO NOT leave to chance or assumptions. In a nutshell, be aware of the following:
- Co-insurer clause – do you have to share the bill? If yes, what percentage?
- Annual limit / lifetime limit – marketing purpose or actual benefit?
- Termination clause - under what circumstances can your insurer terminate your benefits?
- Independent or Accessory benefit? - are you expected to pay extra for plans that you do not need just because you are needing medical benefits?
- Exclusion clause - what are you not covered?
- Waiting period - in Malaysia, there is a 30 days waiting period whereby insurers are not liable except for accident claims
- Cashless card applicable on weekends or public holidays?
For more information or assistance, please message us via NICKG FB or email gloriouscash@live.com
Documentation required (may vary a little amongst companies)
- Duly completed claim form
- Police report
- IC & driving licence of insured & driver
- Updated vehicle registration card
- Photographs before and after replacement of windscreen
- Close up photo depicting the brand and make of the newly replaced windscreen
- Original repair bill and tinting bill
- Old tinting bill is required to support the claim for the tinting
Find out more about leaving your money & estate for someone who has physical or learning disabilities.
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http://www.facebook.com/Your.Will.Be.Done
