Posts Tagged ‘H1N1’

A[H1N1] Infection Case Covered or Not Covered??

This is not intended to be the formal channel of information for knowing your insurance policy coverage. You need to refer to your professional insurance adviser or the insurance provider to validate your policy coverage. I am posting this just to bring some awareness to the public that you really need to care about that, before it is too late.

In general, insurance is the undertaking of your risk in the case you hit any event that is covered by the policy. In this very period where more and more H1N1 infection cases reported, and hiking rate of death from the disease, we should make ourselves prepared for any un-expects.

However, there are insurance agents that spread around news that whether his company do covers the H1N1 infection cases, or he might mention that other company actually do not cover H1N1 cases. Typical medical coverage do have stated that exclusion of “any communicable diseases required quarantine by law”.

However, due to market requirement and for the sake of grabbing market share, companies may treat the case as covered under certain condition. The risk is high now that H1N1 could hit anybody, therefore insurance company have to take care of their own risk underwriting as well. The company would not simply undertake any risk because the impact is huge for any wrong decision made during this kind of potential disastrous situation.

For example (just for information and the information is valid as of today, it could be changing from time to time), one of the company do circulate the information that their medical plan do claimable for hospitalization due to H1N1 up to end of December 2009. After the period, the same medical plan that has been purchased before March 2006 is remained claimable, but not for those that purchased after. The same company, for newly enforced policies, it is only claimable after 1 month waiting period from the day of enforcement.

The statement above is just for reference and again, please do not feel hesitate to contact your agent or the company for clarification. Ask them to produce official write ups spell what is the case that being covered and what is not. Normally the agent will tell you only good news but not any bad ones.

Wish you never need to claim the insurance anyway.

H1N1 Comics – Advisory… by Singapore Government

I have just got this 2 attachment circulated to me by a good friend.

The publication is by:

I have tried to login to Malaysian Ministry of Health as well to look for the information and the website URL is: http://h1n1.moh.gov.my/. You can find pretty much of useful information here. However I just do not understand, the website is only in Bahasa Malaysia and no clue of any sub-sites in other language.

Just a quick summary of the important information here is, it is never too careful to avoid the pandemic infection especially for the high risk groups below:

• Children < 5 years
• Pregnant women
• Have underlying medical conditions such as asthma, chronic lung disease, heart disease, diabetes or kidney disease
• On dialysis
• On immunosuppressants
• Undergoing cancer treatment
• On long-term aspirin therapy
• Persons aged 65 years and older

When you find that anyone including yourself having symptoms below, please immediate go to the designated hospitals for further checkup and treatment (in Malaysia).

The list of hospitals are at the link here:

1. http://h1n1.moh.gov.my/hospitalkerajaan.php

2. http://h1n1.moh.gov.my/hospitalswasta.php

For further information about the PANDEMIC on World Health Organization, please visit http://www.who.int/

H1N1 – Fortune for Certain People

It was a sad news yesterday which 8 person died due to H1N1 outbreak, and today, 7 more. It does indicate that most likely the influenza had start to spread fast. However, this could be good news for certain people running certain business. This is about economy, please bear with it. It is real that the no matter what situation it is, there are people who is at the winning edge.

Do not believe? Look at this news:

From corridor chat, we also know that there are people who making a good fortune selling surgical masks. A colleague of mine who have children in one of the school having suspected H1N1 case and therefore the school administration encourage the kids to wear mask in the school. He told us that he bought the mask for RM 7.50 per piece, which normal price is only 1 – 2 Ringgits. What a good profit.

Jokingly, or some what seriously if we have a good supply of mask, we could just get a wind fall during this very period. May I know who can supply to me? (Haha…)

In a nutshell, we do not have to always look things from the negative side. No matter how bad the situation is, there is a way out of it. Wish that everybody is in good health and we see the future with a better view.