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Personal accident policy

Kurty

By Kurty,
in Lite & EZ

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Kurty

Kurty

Supercharged

Hi,

 

Decide it would be beneficial if I decide in getting a personal accident policy.

 

Any advise in going about? Any recommendation?

Coverage along with the yearly cost.

 

Basically, my job is office based, exercise regular thus may suffer sport injuries easily.

That

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Joseph22

Joseph22

Turbocharged

Hi,

 

Decide it would be beneficial if I decide in getting a personal accident policy.

 

Any advise in going about? Any recommendation?

Coverage along with the yearly cost.

 

Basically, my job is office based, exercise regular thus may suffer sport injuries easily.

That

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Kurty

Kurty

Supercharged
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unless you are looking for a financial planner here. if not dont think we can advice you much.

 

best is ask financial planner. they will be able to explan to you the plan and price better.

 

but those F.P, they always sell those that benefit them and not us..

 

thus i thought here would be a good channel to hear from the horses' mouth [laugh]

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Joseph22

Joseph22

Turbocharged

but those F.P, they always sell those that benefit them and not us..

 

thus i thought here would be a good channel to hear from the horses' mouth [laugh]

that is why must look for good one.

 

Anyway approaching F.P. you have to set up in your mind a few things.

 

how much you want to insure?

how much you want to pay?

how long you want to insure?

you want cash back at end of terms?

 

if you have this in mind and determine to stick to it, then you wont be con to buy something that you dont want.

 

at least it work fo me.

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Adrianli

Adrianli

Hypersonic

Me also interested in Personal Accident policy. But problem is no insurance company wana consider me due to my medical history. Is it possible to just get a personal accident policy and not a rider of a medical/investment policy???

 

My company has insurance for us and I am claiming that policy. So do I actually still need a personal accident policy???

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Kurty

Kurty

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ermm i have a personal accident plan from AIA...

not very exp.. covers up to $2.5k per injury de... not sure if this is what ts is looking for

 

how much you paying for it, may i ask?

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Matchy

Matchy

Neutral Newbie

but those F.P, they always sell those that benefit them and not us..

 

thus i thought here would be a good channel to hear from the horses' mouth [laugh]

that perception have to change....when u seek advice from them, it is like seeking advice from a expert....whether u agree with them is secondary.

 

at least u will be told the actual benefit of the plan itself, rather than asking others who might not be able to give u a whole picture.

 

for P.A plan...the premium usually not much...maybe $10-$20 plus? but the benefits include TCM and Medical reimbursement...

 

moreover how much can the FP benefit from such plan? now banks are selling them more agressively... [laugh]

 

just my tots as a agent....

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Matchy

Matchy

Neutral Newbie

Me also interested in Personal Accident policy. But problem is no insurance company wana consider me due to my medical history. Is it possible to just get a personal accident policy and not a rider of a medical/investment policy???

 

My company has insurance for us and I am claiming that policy. So do I actually still need a personal accident policy???

u mean insurance company consider u due to medical history for accident plan?

 

very unlikely....cos insurance company DO NOT ask medical history for PA plans...

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Adrianli

Adrianli

Hypersonic

u mean insurance company consider u due to medical history for accident plan?

 

very unlikely....cos insurance company DO NOT ask medical history for PA plans...

 

So can I claim for specialist visits and tests for existing illness or other illnessess caused by existing illness if I have a PA plan???

 

I still visiting SNEC for eye, SGH different specialist clinics for back, nose and liver. Previously NSC for food allegy and TTSH for bowels.

 

 

Can advise??? My fren(Pru) n wife(AIA) say cannot leh. If can, let me know the plan, I go apply immediately. I am almost depleting my company's limit already n have to fork out own cash. So far, Pru, AIA, GE n Aviva(SAF) rejected me cos of my medical history.

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Kurty

Kurty

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So can I claim for specialist visits and tests for existing illness or other illnessess caused by existing illness if I have a PA plan???

 

I still visiting SNEC for eye, SGH different specialist clinics for back, nose and liver. Previously NSC for food allegy and TTSH for bowels.

 

 

Can advise??? My fren(Pru) n wife(AIA) say cannot leh. If can, let me know the plan, I go apply immediately. I am almost depleting my company's limit already n have to fork out own cash. So far, Pru, AIA, GE n Aviva(SAF) rejected me cos of my medical history.

 

you sound like another me [laugh]

 

no offend, i also go TTSH for back and TCM. still free, as i was covered with a CSC card.

 

i just thought of getting a P.A, regreted for not as i met with a car accident last July, medical bill is no joke..

 

lately be rather active with soccer, thus injuries rising.

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Kurty

Kurty

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that perception have to change....when u seek advice from them, it is like seeking advice from a expert....whether u agree with them is secondary.

 

at least u will be told the actual benefit of the plan itself, rather than asking others who might not be able to give u a whole picture.

 

for P.A plan...the premium usually not much...maybe $10-$20 plus? but the benefits include TCM and Medical reimbursement...

 

moreover how much can the FP benefit from such plan? now banks are selling them more agressively... [laugh]

 

just my tots as a agent....

 

are you a free agent?

i was hoping for a free agent whereby he or she could do a comparison for me.

 

nothing against F.P, some from AIA, could only sell AIA policies.

thus a much preferred free agent.

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Matchy

Matchy

Neutral Newbie

So can I claim for specialist visits and tests for existing illness or other illnessess caused by existing illness if I have a PA plan???

 

I still visiting SNEC for eye, SGH different specialist clinics for back, nose and liver. Previously NSC for food allegy and TTSH for bowels.

 

 

Can advise??? My fren(Pru) n wife(AIA) say cannot leh. If can, let me know the plan, I go apply immediately. I am almost depleting my company's limit already n have to fork out own cash. So far, Pru, AIA, GE n Aviva(SAF) rejected me cos of my medical history.

how is the personal accident plan related to your eye, back nose and liver problem?

 

all ur problem above cause by accidents??

 

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Matchy

Matchy

Neutral Newbie

are you a free agent?

i was hoping for a free agent whereby he or she could do a comparison for me.

 

nothing against F.P, some from AIA, could only sell AIA policies.

thus a much preferred free agent.

sorry i believe in service rendered rather than the benefit provided...if u are those concerned about nitty gritty benefits, u might not wan to use my service..haha

 

cos i provide "ready to go" service for claims and alway there for clients...

 

usually those who alway compare, i rather not have them as my clients as there will alway be a better out there...most important when buying a P.A is whether the agent is there when u wan to claim and is he willing to go all out to fight ur case when the company reject ur claim...

 

i know most agents will just tell their client that "cannot claim"....but not for me....

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Happily1986

Happily1986

5th Gear

So can I claim for specialist visits and tests for existing illness or other illnessess caused by existing illness if I have a PA plan???

 

I still visiting SNEC for eye, SGH different specialist clinics for back, nose and liver. Previously NSC for food allegy and TTSH for bowels.

 

 

Can advise??? My fren(Pru) n wife(AIA) say cannot leh. If can, let me know the plan, I go apply immediately. I am almost depleting my company's limit already n have to fork out own cash. So far, Pru, AIA, GE n Aviva(SAF) rejected me cos of my medical history.

 

even if they accept, they will confirm impose moratorium on you and usually it is 2 years. fyi

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