保險界中常說的36种疾病

littlepurple

回复 44# 平底糕


    agent告诉我中了就有得赔。。

littlepurple

回复 40# jackchp


   谢谢

平底糕

回复 49# littlepurple

Agent 告诉你？
那么我告诉你你跌倒就有得赔RM1000,什么不用做，一跌倒就拿一千块
你信吗？
我从来不敢那么大声地担保我的保客...

jackchp

回复 45# avin222

有。。。。每间保险公司都有Waiting period = 60 天，就是在保单生效后60天内不受保。

littlepurple

回复 51# 平底糕


当然不信呀。。因为我对保险不是很清楚。。所以。。
而且那agent还跟我说那plan有多好多好。。还show给我看他其他保客的agreement。。有一个还帮全家人买呢。。还是买最贵的。。
anywhere，我本身也需要medical card 啦。。
可是因为我买时没想这么多（想了不到半小时就签了）。。而且后来我才发现我的朋友才每个月供rm150 （medical card+saving+life...benefit x sure)。。担心买贵了。。

tescopuchong

回复 6# 雲谷


   保險36种疾病是购买保单几时开始生效,

通常一份保險购买保单几时始生效,

algo84

有哪位资深的保险代理员，可以帮忙解释下以下36种疾病，病患到了怎样的程度才可以得到赔偿?

1。因输血而染艾滋病
2。老年癡呆症
3。主动脉手术
4。去皮质综合症
5。慢性再生障碍性贫血
6。儿童细菌性脑膜炎
7。良性脑瘤
8。失明
9。脑部手术
10。癌症
11。慢性肝病
12。慢性肺病
13。昏睡
14。冠狀动脉疾病手术
15。聋
16。脑炎
17。典型的艾滋病
18。暴发性肝炎
19。心脏病
20。心脏瓣膜修复与替换
21。肾脏病
22。失去双手或双脚
23。哑巴
24。主要器官移植
25。严重烧伤
26。严重头部创伤
27。运动神经元疾病
28。多发性硬化
29。肌营养障碍
30。冠狀动脉疾病
31。瘫痪
32。柏金遜症
33。脊髓灰质炎，小儿麻痹症
34。原发性肺动脉高压综合征
35。中风
36。晚期疾病

kteng7739

回复 55# algo84

这里
http://cforum1.cari.com.my/viewthread.php?tid=1124279&highlight=36%2B%BC%B2%B2%A1

tiramisu83

如果得了肾病，不是末期，但需要买一些设备来洗肾的话，那医药卡可以claim吗？

雁风

其实医药卡应该比较重要。当患上所谓严重疾病的初期，出入医院的费用都应该可以用医药卡来应付。
至于所谓的36种疾病，就把它当成半个death的时候，确保家人的生活有所照顾。
不懂大马是否有early payout的plan，也就是在患上重大疾病的初期，就能够提出25% - 50% 不等的保障....

阿凯

请问，慢性肝病和暴发性肝炎所指为何呢？

sstsy

其实医药卡应该比较重要。当患上所谓严重疾病的初期，出入医院的费用都应该可以用医药卡来应付。
至于所谓的36种疾病，就把它当成半个death的时候，确保家人的生活有所照顾。
不懂大马是否有early payout的plan，也就是在患上重大疾病的初期，就能够提出25% - 50% 不等的保障....
雁风 发表于 7-7-2010 21:01

    有

sstsy

如果得了肾病，不是末期，但需要买一些设备来洗肾的话，那医药卡可以claim吗？
tiramisu83 发表于 24-6-2010 11:29

  即使是末期，买仪器，也是没有的CLAIM的。

去洗肾中心的费用就可以CLAIM，不过得视乎每间保险公司的数额限制有所不同。

GeMan

大东方 的 ３６疾病定义：(as of 24 AUG 2010) part 1

(1)“Heart Attack”
The death of a portion of the heart muscle (myocardium) as a result of inadequate blood supply and being evidenced by:-
(a) A history of typical prolonged chest pain; and
(b) New electrocardiographic changes resulting from this occurrence; and
(c) Elevation of the cardiac enzyme (CPK-MB) above the generally accepted laboratory levels of normal.
Diagnosis based on the elevation of Troponin T test alone shall not be considered diagnostic of a heart attack.
Angina is specifically excluded. E278/V03/10-2007

(2) “Stroke”
Defined as a cerebrovascular accident or incident producing neurological sequelae of a permanent nature, having lasted not less than six months. Infarction of brain tissue, hemorrhage and embolisation from an extra-cranial source are included. The diagnosis must be based on changes seen in a CT scan or MRI and certified by a Consultant Neurologist.
Specifically excluded are cerebral symptoms due to transient ischaemic attacks, any reversible ischaemic neurological deficit, vertebrobasilar ischaemia, cerebral symptoms due to migraine, cerebral injury resulting from trauma or hypoxia and vascular disease affecting the eye or optic nerve or vestibular functions.

(3) “Coronary Artery Disease Requiring Surgery”
Refers to the actual undergoing of coronary artery by-pass surgery by way of thoracotomy to correct or treat coronary artery disease but not including angioplasty, other intra-arterial, keyhole or laser procedures.

(4) “Cancer”
Cancer is defined as the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue for which major interventionist treatment or surgery (excluding endoscopic procedures alone) is considered necessary. The cancer must be confirmed by histological evidence of malignancy.
The following conditions are excluded:-
(a) Carcinoma in situ including of the cervix
(b) Ductal Carcinoma in situ of the breast
(c) Papillary Carcinoma of the bladder and Stage 1 Prostate Cancer
(d) All skin cancers except malignant melanoma
(e) Stage I Hodgkin’s disease
(f) Tumours manifesting as complications of Acquired Immune Deficiency Syndrome.

(5)“Kidney Failure”
End stage kidney failure presenting as chronic irreversible failure of both kidneys to function, as a result of which regular renal dialysis is initiated or renal transplantation carried out.

(6) “Fulminant Viral Hepatitis”
This is defined as a sub massive to massive necrosis of the liver caused by any virus leading precipitously to liver failure.
The diagnostic criteria to be met are:
(a) A rapidly decreasing liver size as confirmed by abdominal ultrasound; and
(b) Necrosis involving entire lobules, leaving only a collapsed reticular framework; and
(c) Rapidly deteriorating liver functions tests; and
(d) Deepening jaundice.
Hepatitis B infection or carrier status alone does not meet the diagnostic criteria.

(7) “Major Organ Transplant”
The actual undergoing of a transplant as a recipient of one of the following human organs:
(a) Kidney
(b) Lung(s)
(c) Liver
(d) Heart
(e) Bone marrow

(8) “Paralysis / Paraplegia”
The complete and permanent loss of use of both arms or both legs, or one arm and one leg, through paralysis caused by illness or injury persisting for at least six (6) months from the date of trauma or illness.

(9) “Multiple Sclerosis”
Unequivocal diagnosis by a Consultant Neurologist confirming the following combination, which has persisted for at least a continuous period of six (6) months:
(a) Symptoms referable to tracts (white matter) involving the optic nerves, brain stem and spinal cord, producing well-defined neurological deficits; and
(b) A multiplicity or discrete lesions; and
(c) A well-documented history of exacerbation and remissions of said symptoms / neurological deficits.

(10) “Primary Pulmonary Arterial Hypertension”
Means primary pulmonary hypertension with substantial right ventricular enlargement established by investigations including cardiac catheterization, resulting in permanent irreversible physical impairment to the degree of at least Class 3 of the New York Heart Association Classification of cardiac impairment, and resulting in the Life Assured being unable to perform his/her usual occupation.

(11) “Blindness”
The total, permanent and irrecoverable loss of the sight of both eyes. Certification by an ophthalmologist is necessary.

(12) “Heart Valve Replacement”
The actual undergoing of open-chest surgery to replace or repair cardiac valves as a consequence of heart valve defects or abnormalities that have occurred after Risk Commencement Date or date of reinstatement of this contract.
Repair, via valvotomy, intra-arterial procedure, key-hole surgery or similar techniques are specifically excluded.

(13) “Loss Of Hearing / Deafness”
Total, permanent and irreversible loss of hearing in both ears as a result of disease or accident. Medical evidence in the form of an audiometry and sound-threshold test must be provided.

(14) “Surgery To Aorta”
The actual undergoing of surgery via a thoracotomy or laprotomy to repair or correct an aortic aneurysm, an obstruction of the aorta or a coarctation of the aorta. For the purpose of this definition, aorta shall mean the thoracic and abdominal aorta but not its branches.

(15) “Loss of Speech”
Total and irrecoverable loss of the ability to speak for a continuous period of 12 months. Medical evidence to confirm injury or illness to the vocal cords to support this disability must be supplied by an appropriate (Ear, Nose, Throat) specialist.
All psychiatric related causes are excluded.

(16) “Alzheimer’s Disease / Irreversible Organic Degenerative Brain Disorders”
Deterioration or loss of intellectual capacity or abnormal behavior as evidenced by the clinical state and accepted standardized questionnaires or tests arising from Alzheimer’s Disease or irreversible organic degenerative brain disorders excluding neurosis, psychiatric illness, and any drug or alcohol related organic disorder, resulting in significant reduction in mental and social functioning requiring the continuous supervision of the Life Assured. The diagnosis must be clinically confirmed by an appropriate consultant.

(17) “Major Burns”
Third degree burns covering at least twenty percent (20%) of the Life Assured’s body surface area as measured by “The Rule of 9” of the Lund & Browder Body Surface Chart.

(18) “Coma”
A state of unconsciousness with no reaction or response to external stimuli or internal needs, persisting continuously for at least 96 hours, requiring the use of life support systems and resulting in a neurological deficit, lasting more than 30 days. Confirmation by a Consultant Neurologist must be present.
Coma resulting directly from self-inflicted injury, alcohol or drug misuse is excluded.

GeMan

大东方 的 ３６疾病定义：(as of 24 AUG 2010) part 2

(19) “Terminal Illness”
The Life Assured must be suffering from a condition, which in the opinion of an appropriate Medical Practitioner is highly likely to lead to death within 12 months. The Life Assured must no longer be receiving active treatment other than that for pain relief.

(20) “Motor Neurone Disease”
Motor neurone disease of unknown aetiology is characterized by progressive degeneration of corticospinal tracts and anterior horn cells or bulbar efferent neurons. These include spinal muscular atrophy, progressive bulbar palsy, amyotrophic lateral sclerosis and primary lateral sclerosis.
Diagnosis must be confirmed by a Consultant Neurologist.

(21) “AIDS Due To Blood Transfusion”
The Life Assured being infected by HIV virus or AIDS provided that:
(a) The infection is due to blood transfusion received in Malaysia or Singapore after the commencement of this Policy; and
(b) The Life Assured is not a haemophiliac; and
(c) The Life Assured is not a member of any high risk groups such as but not limited to homosexuals, intravenous drug users or sex workers.
Notification and proof of incident will be required via a statement from a statutory Health Authority that the infection is medically acquired.

(22) “Parkinson’s Disease”
Unequivocal diagnosis of Parkinson’s Disease by a Consultant Neurologist where the condition:
(a) Cannot be controlled with medication; and
(b) Shows signs of progressive impairment; and
(c) Activities of Daily Living assessment confirm the inability of the Life Assured to perform without assistance three (3) or more of the Activities of Daily Living.
Only idiopathic Parkinson’s Disease is covered. Drug-induced or toxic causes of Parkinsonism are excluded.

(23) “Chronic Liver Disease”
End stage liver failure evidenced by permanent jaundice, ascites, encephalopathy and portal hypertension.
Wernicke’s encephalopathy and liver failure secondary to alcohol or drug misuse is excluded.

(24) “Chronic Lung Disease”
End stage respiratory failure including chronic interstitial lung disease.
The following criteria must be met:
(a) Requiring permanent oxygen therapy as a result of a consistent FEV1 test value of less than one liter.
(Forced Expiratory Volume during the first second of a forced exhalation); and
(b) Arterial Blood Gas analysis with partial oxygen pressures of 55mmHg or less; and
(c) Dyspnoea at rest.

(25) “Major Head Trauma”
Physical head injury causing significant permanent functional impairment lasting for a minimum period of three (3) months from the date of the trauma or injury. The resultant permanent functional impairment is to be verified by a Consultant Neurologist and duly concurred by the Company’s Medical Officer and must result in an inability to perform at least three (3) of the Activities of Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word “permanent”, shall mean beyond the hope of recovery with current medical knowledge and technology.

(26) “Aplastic Anaemia”
Chronic persistent bone marrow failure which results in total aplasia of the bone marrow and requires treatment with at least one of the following:
(a) Regular blood product transfusion
(b) Marrow stimulating agents
(c) Immunosuppressive agents
(d) Bone marrow transplantation

(27) “Muscular Dystrophy”
The diagnosis of muscular dystrophy shall require a confirmation by a Consultant Neurologist of the combination of 3 out of 4 of the following conditions:
(a) Family history of other affected individuals
(b) Clinical presentation including absence of sensory disturbance, normal cerebro-spinal fluid and mild tendon reflex reduction
(c) Characteristic electromyogram
(d) Clinical suspicion confirmed by muscle biopsy
No benefit will be payable under this Covered Event before the Life Assured had reached the age of 12 years next birthday.

(28) “Benign Brain Tumour”
A life-threatening, non-cancerous tumour in the brain giving rise to characteristic signs of increased intra-cranial pressure such as papilloedema, mental symptoms, seizures and sensory impairment. The presence of the underlying tumour must be confirmed by imaging studies such as CT Scan or MRI.
Cysts, granulomas, malformations in or of the arteries or veins of the brain, haematomas, tumours in the pituitary gland or spine and tumours of the acoustic nerve are excluded.

(29) “Encephalitis”
Defined as severe inflammation of brain substance, resulting in permanent neurological deficit lasting for a minimum period of 30 days and certified by a Consultant Neurologist. The permanent deficit must result in an inability to perform at least three (3) of the Activities of Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word “permanent” shall mean beyond the hope of recovery with current medical knowledge and technology.
Encephalitis as a result of HIV infection is excluded.

(30) “Poliomyelitis”
Unequivocal diagnosis by a Consultant Neurologist of infection with the Poliovirus leading to paralytic disease as evidenced by impaired motor function or respiratory weakness. Cases not involving paralysis will not be eligible for this benefit. Other causes of paralysis (such as Guillain-Barre syndrome) are specifically excluded.
E278/V03/10-2007

(31) “Brain Surgery”
The actual undergoing of surgery to the brain under general anesthesia during which a craniotomy is performed. Bur Hole and brain surgery as a result of an accident is excluded.

(32) “Bacterial Meningitis”
Bacterial meningitis causing inflammation of the membranes of the brain or spinal cord resulting in permanent neurological deficit lasting for a minimum period of 30 days and resulting in a permanent inability to perform at least three (3) of the Activities of Daily Living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. For the purpose of this benefit, the word “permanent”, shall mean beyond the hope of recovery with current medical knowledge and technology.

(33) “Other Serious Coronary Artery Disease”
The narrowing of the lumen of at least three major arteries i.e. Circumflex, Right Coronary Artery (RCA), Left Anterior Descending Artery (LAD), by a minimum of 60 percent or more as proven by coronary arteriography. This benefit is payable regardless of whether or not any form of coronary artery surgery has been performed.

(34) “Apallic Syndrome”
Universal necrosis of the brain cortex, with the brainstem remaining intact. Diagnosis must be confirmed by a Consultant Neurologist and condition must be documented for at least one month.

(35) “AIDS Cover of Medical Staff”
Infection by any Human Immunodeficiency Virus (HIV) only if the Life Assured is a Medical Staff as defined below, and that such infection was considered by the medical authorities involved to be caused by a needlestick/sharp instrument injury or by exposure to blood or bloodstained body fluid which occurred after the commencement of this Policy. The accident must have occurred whilst the Life Assured was following his normal occupational duties and reported in accordance with the established occupational procedures for such accidents. The Life Assured must, within 5 days of the accident have undergone a blood test indicating the absence of HIV or its antibodies but a further blood test performed within 6 months of the accident must indicate the presence of HIV or its antibodies after the commencement of this Policy.
However, the benefit payable will not apply if any medical cure is found for Acquired Immune Deficiency Syndrome or the effects of the HIV virus or a medical treatment is developed which results in the prevention of the occurrence of AIDS.
“Medical Staff” is defined as Doctors (General Physicians and Specialists), nurses, laboratory technicians, dentists (surgeons and nurses), ambulance workers who are working in the medical centre or hospital or dental clinics/polyclinics in Malaysia.

(36) “Full Blown AIDS”
The clinical manifestation of AIDS (Acquired Immune-deficiency Syndrome) must be supported by the results of a positive HIV (Human Immuno-deficiency Virus) antibody test and a confirmatory Western Blot test. In addition, the Life Assured must have a CD4 cell count of less than two hundred (200) and one or more of the following criteria are met:
(a) Weight loss of more than 10% of body weight over a period of six (6) months or less (wasting syndrome)
(b) Kaposi Sarcoma
(c) Pneumocystic Carinii Pneumonia
(d) Progressive multifocal leukoencephalopathy
(e) Active Tuberculosis
(f) Less than one-thousand (1000) lymphocytes
(g) Malignant Lymphoma

随风而来。

回复  平底糕


当然不信呀。。因为我对保险不是很清楚。。所以。。
而且那agent还跟我说那plan有多好 ...
littlepurple 发表于 25-3-2010 10:49 PM

贵，是保诚吗？

joyline

回复  平底糕


当然不信呀。。因为我对保险不是很清楚。。所以。。
而且那agent还跟我说那plan有多好 ...
littlepurple 发表于 25-3-2010 10:49 PM

    你现在一个月供多少呢？

joyline

其实医药卡应该比较重要。当患上所谓严重疾病的初期，出入医院的费用都应该可以用医药卡来应付。
至于所谓 ...
雁风 发表于 7-7-2010 09:01 PM

    你可以购买stand alone critical illness plan
=)

bee1020

也想知道下36疾病到底要什么样的程度才有的赔~~上面的英文的看不懂，不知有没有华语的？？？

淘气娃娃

你可以购买stand alone critical illness plan
=)
joyline 发表于 27-8-2010 03:43 PM

有这样的保单吗？我有兴趣，是那间公司的？