保险的另一面 Cruz Wealth Planner

Home
Malaysia
Petaling Jaya
保险的另一面 Cruz Wealth Planner

Insurance Service

15/02/2022

⚠️ Do I need Critical Illnesses coverage if I already have Medical Card? ⚠️

Medical Card can only cover your medical bills during your stay in hospital. What if it is something major like Cancer or Heart Attack (just to name a few)? You may be discharged from Hospital but still may not be fit enough to be back to work (potential loss of income). So if you have Critical Illnesses Coverage in you policies, you will receive a lump sum pay-out to you to help on your daily expenditures and monthly commitments while having a peace of mind during your recovery period which may drag on for months or years. 🛌

✅So the answer is ‘YES’. You do need Critical Illnesses Coverage, and it is at utmost importance that you should include it into your insurance plans NOW and make sure the amount covered is sufficient.

⚠️ 如果我拥有医药卡了，还需要严重疾病保障吗？⚠️

医药卡只能用来支付您的住院账单。那么如果确诊严重疾病，像是癌症或心脏病呢？您也许可以出院了，但是却无法照常工作（有失去收入的风险）。所以如果您的保单有附加严重疾病保障，您将会获得一笔理赔数额，以应付您的生活日常支出，那您至少可以在一段无法估计的日子里专心休养。🛌

✅所以，答案是：“需要的”。您应该为自己投保足够的严重疾病的保障。

22/12/2021

RM2.80 per day to get Medical Coverage with lots of benefits!

Coverage
1) Room & Board RM180
2) RM1,000,000 annual limit
3) Unlimited lifetime medical coverage
4) Cancer & Kidney Treatment no lifetime limit
5) Covid-19 coverage
6) No-coinsurance

Benefit
1) 15% guarantee yearly cash rebate
2) Refund 80% unutilized room & board
3) Auto increase room & board RM50
4) Alternative cancer treatment benefits RM3k per month

Get your free quotation by clicking messenger/ whatsapp https://wa.link/yj9vfy

14/12/2021

🦠 IS LIFE PROTECTION COVERAGE FALLS UNDER PANDEMIC EXCLUSION LIST?

📌 No. As life assured who die from Covid-19 or any pandemic illnesses will be covered as long as the life insurance policy is still in good standing (inforce).

📌 As for other benefits that may be included in the policy, it is best that you refer back to the policy contract given, as it may have certain conditions or exclusions towards pandemic diseases.

You could also give us a call, and we will be glad to assist you in going through your policies.

🦠 因流行性传染病而导致死亡有包括在不受保条例里吗？

📌 不。因确诊新冠肺炎而去世的的受保人，只要保单是生效的，同样能获得人寿保险的赔偿。

📌 至于保单里的其它保障，为了安全起见，我们建议您能再次仔细查阅您的保单，以便确认有没有附带流行性传染病的不受保条例。

或者，我们欢迎您联络我们任何一位专业的同事以协助您更了解您的保单。

26/11/2021

🔋Insurance Power Plant 🔋

你的索赔是不是被保险公司拒绝？

为什么？

如果”是“被拒绝，原因有几种，

1.）文件不足（保险公司会要求一些需要提交的文件，如果文件不足会遭受被拒绝的可能性）

2.）隐瞒的因素（当在购买保单前，需要属实呈报那些当年如果有发生过的状况，例如进过医院，开过刀，动过任何手术，还是现经有吃些什么药。一定要属实晨报给保险公司，让保险公司知道你的状况。因为在保险公司的角度来看，因为这名顾客有所隐瞒当前自己的健康状况下而购买这份保单的，保险公司有理由来说因为有隐瞒的成分而不做出赔偿的）

在目前，通常一般都是会发生的原因就如以上这两点来衡量，首先要先去该保险公司去了解，找出原因为什么保险公司不做出索赔，然后对症下药，来决绝，是文件不足容易解决，如果有隐瞒的成分就另当别论了。

Was your claim rejected by the insurance company? Why?

There are several reasons behind, if your answer is "Yes".

1. Insufficient documents (Insurance companies will acquire relevant documents to be submitted from claimant. If there are insufficient documents to be accessed, your claim could be rejected by your insurance company)

2. Concealed factors (You need to be truthfully declared your health conditions, inclusive the sickness may have occurred before purchasing an insurance policy, such as hospitalization, surgery, or current medication that been taking or taken. Be sure to reveal the truth in order to allow your insurance company acknowledge your current health condition. It is because the insurance company has every right to reject the policy if the customer concealed his current health status, based on their perspective)

At present, the reasons that usually happen are measured by two factors that mentioned above. Before hand, you are advised to make the effort to find out the reason why the claim got rejected. Thus, you may have the right answer to liaise with your servicing agent and get the claim process right.

05/11/2021

Is suicidal covered by insurance?

Yes, if only the exclusion period ends.

If the Life Assured commits su***de within twelve (12) months from the Issue Date, Alteration Effective Date or the Reinstatement Date, whichever is the latest, this policy shall become void whether he/she is sane or insane.

The death benefit shall not be payable and the Company shall only refund the un-allocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date, any insurance charge, policy fee, and any applicable tax that have been deducted less any medical fee incurred and benefit paid.

In layman term, while the beneficiaries are not entitled to death benefits if a su***de occurs during a policy’s suicidal clause, they may receive a refund of the premiums that were paid into the policy before the death.

However, after the exclusion period ends, the policy's beneficiaries can receive a death benefit if the covered person dies by su***de after that date. The reason behind of having such clause is insurance companies want to prevent people from having a financial incentive to take their own lives. That’s why often life insurance policies include a su***de clause, also known as a su***de provision.

自杀死亡的话保险可以赔吗？

有的，只要自杀条款期结束。

如果受保人自签发日期、变更生效日期或恢复日期（以较晚者为准）起十二 (12) 个月内自杀，则无论他/她是正常还是精神错乱，本保单均将失效。

死亡抚恤金不予支付，本公司仅退还未分配的保费、在下一个估值日以单价分配的单位价值（如有）、任何保险费用、保单费用和任何适用税金已扣除已产生的任何医疗费用和已支付的福利。

通俗地说，如果在保单的自杀条款12个月期内发生自杀，受益人无权获得死亡抚恤金，但他们可能会收到死亡前支付给保单的保费的退款。

但是，在自杀条款结束后，如果受保人在该日期之后自杀身亡，则该保单的受益人可以获得死亡抚恤金。保险公司之所以有这样的条款，是因为他们想要防止人们因金钱上的诱因来结束自己的生命。这就是为什么人寿保险单通常包含自杀条款。

01/10/2021

WE ARE HIRING,
✅whether you have experience or not,
✅join now and you can also get free IPAD
✅Basic salary from minimum RM2,500 to maximum RM7,500
✅Free travel
✅Retirement benefits

27/08/2021

现在一直找工作？🥴
找到了可是工资方面不适合？😅
找到了时间方面不适合？😅怎么办好呢？🤔
✅join now and you can also get free IPAD (免费iPad)
✅Basic salary from minimum RM2,500 to maximum RM7,500
✅Free travel
✅Retirement benefits
不要担心🤜🏻🤛🏻Bondford Capital这里肯定可以给到你想到的时间和工资💰⏰
我们现在有在招合伙人🤝🏻赶快来pm我了解更多。

24/08/2021

自从2008年起马来西亚政府实施《凑成整数付费机制》后，市场上1仙已经慢慢的不见踪影了。

但您知道吗？在这个大时代里，我们竟然还可以以仅仅1仙的价格来买到某样东西！

对，是真的！它竟然是价值马币150万的东西！想要了解更多，请马上联系我！

Ever since Rounding Mechanism was implemented in year 2008, we no longer see the 1 sen coin circulating anymore.

But do u know that we can actually still buy something with 1 sen only?

Yes it is true! We can buy something that is worth RM1.5 million!! Contact me immediately for further details.

https://wa.link/k3kgg7

#1.5Million

Address

10 Boulevard, SPRINT, Block Bougainvillea
Petaling Jaya
47400

Website

https://bondfordcapital.com/

Alerts

Be the first to know and let us send you an email when 保险的另一面 Cruz Wealth Planner posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to 保险的另一面 Cruz Wealth Planner:

Shortcuts

Want your business to be the top-listed Finance Company in Petaling Jaya?