~ PRU senior med ~
"If the life assured forgets to bring the card to the hospital, can he utilise the Hospital Alliance Services facility?"
Ø"Yes, the life assured is required to pay the minimum co-insurance amount RM3,000 or RM6,000 (depending on plan type) for each hospitalisation"

Duty of Verifying Identification & Proof of Age
Ø"All you need to do for identification verification is to obtain a copy of the Identity Card, Passport or other primary source of identification, such as Birth Cert."

Claims

~ DHB/PRUmed ~

Is a medical report needed when claiming for Prumed / DHB?

Ø"If the admission is via HAS, DHB & Prumed, assessment will be based on the hospitalization medical report part 1 & 2."
Ø"If the ph file claim for the non-HAS admission, generally, we would require medical report for assessment."

Crisis Cover Claim ~

Old series products have a different list of Critical Illnesses. Should we follow the current 36 Specified Illnesses or as per policy contract?

ØWe should follow the list of Specified Illnesses specified in the policy contract

Providing Full Details to An Answer

ØPrecise answers / clarifications of the Life Assured in Proposal Forms are used by the Office Underwriter as reliable information to form a mental profile of the prospect’s insurability. Hence, providing information with Why, What, When, How and Where will lead to providing full details to an answer.

Emergency/International Medical ~

Life assured is sick alone in a hotel room overseas and need a house call doctor to visit him/her in the hotel room? Who can help?

ØHe/she may call Intl. SOS for such request.
Ø"Life assured is to provide Intl. SOS with their hotel name, location and contact no. for such request."

PRU major med ~

Can food poisoning be considered an accident case?

Ø"No, it is not considered an accident."
Ø"An accident has to be caused by a Violent, Visible, Accidental or External Means (VVAE)."