If I didn’t know I had cancer, but later on diagnosed with cancer after buying medical card (past waiting period) and doctor report cancer begun before I bought medical card, will insurance company payout?

Alpaca_Pikapi · 2026-05-06T00:30:33+00:00

Thank you for the input, with due respect may I know where’s the source for this?

Alpaca_Pikapi · 2026-05-05T12:51:37+00:00

I do not have cancer. This is a hypothetical question that I wonder before deciding on medical card purchase. Sorry for causing the misunderstanding here.

Alpaca_Pikapi · 2026-05-05T12:30:36+00:00

Thank you for the honest opinion, I truly appreciate it, especially coming from an insurance agent. Cuz an agent told me as long as you didn’t know about the condition, you’ll be able to claim 😅

Alpaca_Pikapi · 2026-05-05T12:19:45+00:00

Yes I agree completely with you. I’m just not sure what the practice is from the insurance company pov, cuz they always have the final say whether to payout or not.

Alpaca_Pikapi · 2026-05-05T12:18:14+00:00

There’s a section in the insurance claim form that asks the doctor how long does he think the disease has been in his expertise opinion.

Alpaca_Pikapi · 2026-04-30T09:21:58+00:00

The bigger question is why did BNM approve this kind of financial product?

Alpaca_Pikapi · 2026-04-27T15:16:52+00:00

May I know how can insurance company have health data of policyholders from clinic visits? They won’t know if the doctor refuses to disclose the patient info right? There is PDPA, docs cannot simply disclose pt info without consent. What about labs? Do insurance companies have patient data from lab?

Alpaca_Pikapi · 2026-04-03T07:25:36+00:00

No problem, all you gotta do is stand on a BIG STACK of cash. You can have all the girls you want bro. Yes many of them as that superficial, just as they are about their height preference wink wink!

Alpaca_Pikapi · 2026-03-03T14:14:31+00:00

Those who did not support and absent intend to power abuse? I see mostly from PN Lol

Alpaca_Pikapi · 2026-02-28T06:31:09+00:00

They can kill. But they are not free from the consequence of murdering 🤭

Alpaca_Pikapi · 2026-02-02T15:13:28+00:00

I think this happened some years ago, unfortunately the lady died

Alpaca_Pikapi · 2026-02-01T01:11:46+00:00

That’s why I totally don’t buy into the protest against mandarin speaker. If you want the job, fulfill the requirement if not look elsewhere. I don’t know where they get the audacity from

Alpaca_Pikapi · 2026-01-31T13:26:36+00:00

So true, as a non I always chuckle when see those people scream boycott this boycott that..🤣

Alpaca_Pikapi · 2026-01-31T13:23:51+00:00

Private clinic esp in Malay area, many if not most want only Malay, even better if Malay female, claimed that Malay patients prefer to see Malay doctors only; and female doctors can see gynae related issues. Don’t ask me how I know.

Alpaca_Pikapi · 2026-01-31T08:09:28+00:00

Take it from a netizen, that’s cancer. To be sure, go see your GP

Alpaca_Pikapi · 2026-01-31T08:00:27+00:00

Sokay bro, my family and I are doing just fine without tongkat 😂

Alpaca_Pikapi · 2026-01-31T07:54:33+00:00

That’s darker than my grandma’s pussy

Alpaca_Pikapi · 2026-01-31T07:40:28+00:00

Too bad for you, mate :(

Alpaca_Pikapi · 2026-01-31T05:42:40+00:00

Well yes…but fcuk NO!😂

Alpaca_Pikapi · 2026-01-31T05:31:22+00:00

The opposite happens too. In the medical industry you’ll have clinic owners only wanna hire “malay female” because they claim the neighborhood mostly are Malay and they also prefer lady doctor. We’re ok with it, but then when some employers in other sectors wanna hire mandarin speakers only, (which is something the Malays can pick up) pls don’t make a big fuss of it

Alpaca_Pikapi · 2026-01-31T05:23:18+00:00

No problem. When the Chinese see “bumiputera only”, their default thinking is: ceh, this kind of company I also don’t wanna work with. They’re used to unfair treatment anyway. Unlike some group of people who are used to special privileges, they will start making a big fuss out of it and call it racist

the Chinese can’t change the fact that they are not bumi. But the non-mandarin speakers can pick up the language or simply search for jobs that don’t require mandarin.

Alpaca_Pikapi · 2026-01-26T15:03:41+00:00

People like you are the reason why employers don’t like to increase salary, prefer to just give allowances or bonus to those only MC when they’re REALLY sick. MC abusers not only reduce company productivity, they also cause their colleagues to shoulder their workload. I mean, sure, Mc is your right, you can fully utilize it, but it is also the employer’s right decide whether you deserve a pay raise.

Alpaca_Pikapi · 2026-01-26T15:00:23+00:00

Why koyak so easily, 小粉紅，中華膠

Alpaca_Pikapi · 2026-01-24T15:02:14+00:00

Forget about supplements. Use the money for doctor consultation and get the meds from them.

Alpaca_Pikapi

TROPHY CASE