Making medical examination a must for insurance purposes

KUALA LUMPUR: The Government has proposed to Bank Negara that medical examinations be made mandatory for those intending to purchase personal, life or personal medical insurance plans, Deputy Minister in the Prime Minister’s Department Datuk T. Murugiah said on Thursday.

The proposal was made following numerous complaints of the non-payment of medical bills by insurance companies, he said.

“On average the Public Complaints Bureau receives about three to four complaints every month on such issues,” he said.

At present there were companies that did not require a medical examination when insurance is purchased, he said.

However, problems arose when claims were made and insurance companies refused to pay because the insured did not undergo a proper medical examination prior to purchasing the policy.

He added that investigations showed that some errant agents were responsible for this problem as “in their zeal to sell policies, they overlook the need for a medical examination prior to sealing the deal.”

Murugiah hoped insurance companies would provide proper training and keep a close tab of their agents to avoid such problems in the future. -- Bernama

Personal Dental Insurance Plans

What's the best idea you could ever think of? Do you want us to suggest a new one for you? What do you think of personal dental insurance? Well, lately a lot of people have been saying that this is a very good idea.

Before you jump into the bandwagon, you must know how it works. You should also check whether this plan is just for you, or it's something that you and your family can benefit from.

It is a contract that binds the seller and the buyer together. The seller agreed to buy a percentage of the buyer's dental expenses.

In layman's terms, if you do choose to go through any kind of dental procedure, the cost will be covered by the insurance company.

This is the very reason why more and more people are opting for personal dental insurance. The medical procedures in the country have increased. If an operation has to be done, it can destroy a budget that has already been planned.

If you're wondering why dental procedures cost so much, well, just think about the years he spent perfecting his abilities and the price he had to pay for his machinery.

Since you cannot decrease the rate of dental fees, what you can do is just get a personal dental insurance plan that will help you lessen the price you have to pay as part of your personal medical insurance. Do you know that more than half of Americans doesn't have dental plans?

This is according to the American Dental Association. It's time that they do. Teeth shouldn't be taken for granted.

Continue Reading Personal Dental Insurance Plans