買了保險沒得賠之二，保單有什麼 exclusions, waiting period & survival period

at different stages of our lives We all need to plan our lives. We need to understand our own financial planning. Let us have more direction to achieve our goals in life And as we move toward our goals We have to make sure that along the way Have your own treasure. Avoid any accidents. and affect our goals Hello, I'm Hailey If you're on my channel for the first time My channel is about investment and financial planning. including how to accumulate wealth How to Secure Wealth Estate Planning Tax Planning Little knowledge of accounting, etc. Want to know the relevant content remember to subscribe to my channel And click on the little bell next to it So I won't miss my next movie. Recently, we have seen complaints about insurance companies cheating. I didn't lose money when I bought the policy. What is the reason The insurance company refused compensation for non-disclosure reasons. And I also shared it with you before. Video about non-disclosure clause Friends who haven't seen it have finished watching this video. Can click to see Today we will not talk about non-disclosure clause Let's take a look at the non-disclosure clause. Is there any reason why I didn't lose money when I bought the policy? Often we see someone in the face book saying Someone bought medical insurance. By the time something happens You have to pay your own medical bills in similar cases. Or buy disease insurance But with the initial stage of cancer The insurance company also refused to pay for certain reasons. Is this because the insurance company is cheating? Actually, when we buy a policy Many terms are anonymous. We just didn't notice The policy is so thick Who would take drugs every word? This film today. I will simply explain to you The terms of the policy that cannot be unknown except for non-insurance. What is a waiting period? waiting period and survival period survival period At the time of purchase of the policy We must understand the terms of the policy One of them is the waiting period. Generally, there is one on the medical card. Waiting period of 30 to 120 days If the medical card is just insured No waiting period yet. Then the insurance company has reason not to pay compensation. Insurance companies have the right to suspect The health status of the policyholder prior to the policy The condition is likely to be long before the insured person is insured. already exists. So while young Insured as early as possible You can avoid similar incidents. Whenever we sign a new medical policy Any disease present or diagnosed within the first 30 days They are all uninsured. Except for the accident. Medical expenses incurred Even within 30 days to get claims And as for the cost of treatment or surgery for specific diseases It will not take effect until 120 days after insurance. Examples of specific diseases include Hypertension Diabetes and cardiovascular disease Tumor Stones of the urinary and biliary systems Any diseases of the ear, nose and throat Any disease of the reproductive system Any disease of the spine or any disease of the knee It takes 120 days to take effect. And if you buy disease insurance. It takes 30 to 60 days to take effect. That is to say If the insured person within 30 days of purchase of sickness insurance suffer from heart disease Insured may not have access to One-time compensation for disease insurance. This waiting period is based on different diseases. You can see the details of your policy. All the terms will be listed But often we also hear some examples It's been a while since I bought the policy. However, the policy was still rejected. This could be because The insured person is diagnosed with an initial After being diagnosed with an initial or serious illness It's unfortunate did not reach the specified number of days to live Survivor Period Different insurance packages There are different survival days Some insurance companies have sickness insurance. Must survive at least 7 days Some 14 days. Some take 30 days. And if you buy accident insurance. There is no waiting period. Once the policy takes effect They began to be insured. Next we'll look at the duration of the insurance. The duration of the insurance is The duration of coverage provided by the policy New investment-linked pharmaceutical policies The duration of the insurance is up to 100 years old. If the policy is purchased The chosen period is 70 years old On behalf of the existing premium Estimated based on projections Enough to make this policy It only lasts until the age of 70. By the age of 70 If the account value Enough to cover policy costs The policy will automatically extend the coverage period. In order to avoid the interruption of the policy. We can choose Plus premiums to ensure have enough account value Cash Value Used to deduct expenses Here to remind everyone Not all medical policies All have automatic extension The guarantee period is up to 100 years old. especially those Longer Medical Policy Must pay attention Avoid by the age of 70. Only to find that the policy does not provide protection. It's too late to buy it. As for accident protection and permanent disability protection insurance company It is usually only guaranteed until the age of 70. Not to 100 years old. You might think That's not fair Usually it's old to get sick. There is mobility inconvenience Some insurance companies are exceptions. Provision of permanent disability protection Offered to 65 years 65 to 100 years old. Just provide because of old age And the inconvenience of disability protection In this case Even after the age of 70 All are guaranteed permanent disability. see here If the content is helpful Remember to press like And leave a message to share oh Now let's have a simple understanding Universally What is the insurance policy? It is not insured except Within one year Death due to suicide You can't get death compensation. because of the danger Attempting self-harm or self-harm The resulting disability and its medical expenses are not insured Due to participation in the war service of any armed forces resulting in permanent disability and medical expenses Because any related aviation equipment or the means of transport are injured or disabled. Except for commercial airline passengers who buy tickets or crew exception Participate in dangerous sports Like injuries from skydiving. Before buying a policy already have symptoms Riots and civil unrest Disability arising from industrial action or terrorist activity Any violation or attempted violation of the law or injuries sustained as a result of arrest Selective plastic or cosmetic surgery Recipient donates any body part or organ and costs incurred in obtaining organs Insured person due to alcohol under the influence of any illegal drug or drug Accidents that happened Mental or neurological disorders Accidents caused by drug abuse congenital defect or any related treatment If the insured person resides continuously Travel abroad for more than 90 days. The cost of medical treatment abroad is not covered. This is also why Would advise friends working abroad Return home at least once in 90 days And if it's working in Singapore Some insurance companies don't have these 90-day terms. More than 90 days in Singapore Not back in Malaysia. Medical expenses in Singapore It can still be taken back. Just will be based on reasonable expenses So the policy doesn't have to pay for it either. It also depends on when you are ill. What disease is suffering from How to get hurt But Don't wait because you haven't had a waiting period. And delay to check the treatment Delayed the golden treatment period oh All we can do is While young While we're still healthy Protection required for purchase We must understand the terms of the policy. Avoid when something happens. Only to find that there should have been compensation protection Become no compensation Well, that's all for today's sharing. I hope this film will help you a little bit. If you like this film. Remember to press like and forward to friends If you have any comments, you can also leave a message below. Let me know oh There are other channels. Video about investment financial planning Friends who haven't subscribed yet click to subscribe We'll see you next time Bye bye