Tag Archives: Insurance

Malaysia : No More COVID-19 Test / Insurance For Travellers!

Malaysia : No More COVID-19 Test / Insurance For Travellers!

Travellers to Malaysia will NO LONGER be required to undergo pre-departure and on-arrival testing for COVID-19, or purchase travel insurance!

 

Malaysia : No More COVID-19 Test For Most Travellers!

On 27 April 2022, the Malaysia Minister of Health Khairy Jamaluddin announced a wide range of COVID-19 liberalisation moves :

Starting Sunday, May 1, 2022, these groups of travellers will NO LONGER be required to undergo pre-departure testing and on-arrival testing for COVID-19!

  • Fully-vaccinated individuals who are 13 years or older
  • Individuals who recovered from COVID-19 in the last 6-60 days
  • Individuals who are 12 years or younger, regardless of vaccination status

This ruling applies to both Malaysian citizens, as well as foreigners, including those performing the Hat and even foreign workers.

Please note that ALL travellers must still submit information through the Travellers option in MySejahtera, and obtain the Travellers digital card.

Travellers who are 13 years or older, and are not yet fully vaccinated, must continue with the existing testing and quarantine protocol :

  • Not vaccinated with medical exemption : pre-departure PCR test within 2 days, professional RTK-Ag within 24 hours of arrival, no quarantine.
  • Partially-vaccinated / unvaccinated (13-17 yo) : pre-departure PCR test within 2 days, professional RTK-Ag within 24 hours of arrival, no quarantine.
  • Partially vaccinated / unvaccinated : pre-departure PCR test within 2 days, professional RTK-Ag within 24 hours of arrival, 5-day quarantine.
  • Partially vaccinated / unvaccinated post COVID-19 : pre-departure professional RTK-Ag within 2 days (or Fit To Travel letter if hospitalised), professional RTK-Ag within 24 hours of arrival, 5-day quarantine.

Travellers who test positive on arrival in Malaysia will be asked to undergo a professional RTK-Ag test on-the-spot.

To make it easier for you to understand, I created this table to summarise the new rules :

Vaccination Status Pre-Departure On Arrival Additional Test
or Quarantine
Child (< 13 Years) * No Test Required No Test
No Quarantine
Travellers From
Singapore
Boosted (≥18 Years)
Fully Vaccinated (≥ 13 Years)
Fully Vaccinated +
Post-COVID-19 (6-60 Days)
Partially-Vaccinated or
Unvaccinated (13-17 Years)
PCR test
within 2 days
Professional
RTK-Ag
within 24 hours
of arrival

On-Arrival
Professional
RTK-Ag
for travellers
transiting to
Sabah or
Sarawak
Not Vaccinated with
Medical Exemption
Partially Vaccinated or
Unvaccinated (≥18 Years)
5-Day Quarantine
with
Day 4 PCR or
Day 5 RTK

Partially Vaccinated
or Unvaccinated

+ Post-COVID-19
(6-60 Days)
Professional
RTK-Ag
within 2 days
or FTT letter **
if hospitalised

* By year of birth
** Also professional RTK-Ag if recovered from COVID-19 infection 6-60 days before departure
*** FTT = Fit To Travel

 

Malaysia : No More COVID-19 Insurance For Foreign Travellers!

Foreign travellers were earlier required to purchase COVID-19 and travel insurance with coverage of at least US$20,000 before travelling to Malaysia.

Only these groups are earlier exempted from the requirement to purchase COVID-19 and travel insurance :

  • Fully-vaccinated citizens of Singapore or Malaysia
  • Fully-vaccinated permanent residents of Singapore or Malaysia
  • Fully-vaccinated Long-term Pass Holders of Singapore or Malaysia

That changes from Sunday, May 1, 2022 onwards – the US$20K travel insurance requirement is NO LONGER REQUIRED for ALL foreign travellers!

So foreigners can travel to Malaysia without that additional cost. Of course, getting travel insurance is always a good idea.

 

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Dr. Adrian Wong has been writing about tech and science since 1997, even publishing a book with Prentice Hall called Breaking Through The BIOS Barrier (ISBN 978-0131455368) while in medical school.

He continues to devote countless hours every day writing about tech, medicine and science, in his pursuit of facts in a post-truth world.

 

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Will COVID-19 Vaccination Void Your Life Insurance Contract?!

An attorney, Todd Callender, has gone viral after claiming that your COVID-19 vaccination will void your life insurance contract!

Take a look at his claims, and find out what the facts really are!

 

Todd Callender : COVID-19 Vaccination Will Void Your Life Insurance!

People are sharing a video of Todd Callender, an attorney, who claimed on a TruNews interview that getting the COVID-19 vaccination will void your life insurance contract!

Death By ‘Suicide’: Life Insurance Companies Will Likely Deny Most COVID Jab Claims

Attorney Todd Callender: “The court specifically found that participation in clinical trials is so hazardous that it voids the coverage of the insurance contract. ‘You should have known.’ They treated it, for purposes of the law, as a suicide. The court is saying, ‘Participating in a phase three clinical trial is suicide.’ That’s the conclusion.”

Here is a short transcript of what he said in the video for your reference.

He quotes an unspecified court case that happened “three weeks ago“, where “the judge looked at this and effectively told the person who took the experimental shot – who died – called it a suicide“.

He then goes on to say, “He characterised it as a suicide because you knew, or should have known, that you were taking part in a highly dangerous activity called the Phase 3 clinical trial, and therefore you voided the coverage under the contract. The insurance company does not have to pay that contract.

 

Truth : COVID-19 Vaccination Will NOT Void Your Life Insurance!

This is yet another example of anti-vaccination FAKE VIDEOS that anti-vaccination activists are concocting to mislead people about the safety of the COVID-19 vaccines, and here are the reasons why…

Fact #1 : No Judge Ruled Death From Vaccine As Suicide

Oddly enough, Callender did not specify where this court case occurred, or the exact details of the case that he claimed would be a landmark case.

That’s because – there is no such court case. There is no known court case in which a judge ruled that a person who died after receiving COVID-19 vaccination was considered a suicide.

Fact #2 : Fake Story Originated As Court Case In France

This fake story appears to originate with a right-wing, anti-vaccination German website, which posted a story about a French millionaire who died from the vaccine and had his life insurance voided.

That website claimed that it was originally published by the family’s lawyer, Carlo Alberto Brusa, on his Facebook page.

However, Brusa’s Facebook page has ZERO post about any court case, going all the way back to 27 December 2020 – when COVID-19 vaccinations first kicked off in France.

As far as anyone can tell – this story was completely FABRICATED.

Read more : Did French Court Rule Millionaire’s Vaccine Death As Suicide?!

Fact #3 : There Was No Such Court Case In France

There are several articles and videos – all referencing the Greek or German website, which leads us back to Brusa. And yet, there is ZERO evidence :

  • that a French millionaire actually died from his COVID-19 vaccination.
  • that any insurance company refused to pay a life insurance policy, because the insured died from COVID-19 vaccination.
  • that any French court ruled that a death from vaccination is considered a suicide.
  • of any case or court document regarding the case

If a French court did indeed rule that dying from a COVID-19 vaccine is considered a suicide, it would have been HUGE NEWS with major legal implications, and covered worldwide!

These articles were first posted in January 2022, and more than 3 months later, no one else covered it except for a few small anti-vaccination websites?

That’s because it never happened.

Fact #4 : Vaccines Only Get EUA After Clearing Phase 3 Trials

Callender falsely claimed that the life insurance was voided because that person was considered to have participated in a Phase 3 clinical trial.

That’s not possible, because COVID-19 vaccinations can only be given to the public, AFTER the vaccine has successfully completed its Phase 3 clinical trial, and received either an emergency use authorisation or full approval from a health authority like the US FDA or EMA.

Phase 3 trials, incidentally, ended in 2020 for both the Pfizer and Moderna COVID-19 vaccines, and they both received their EUA in December 2020.

I should also point out that the Pfizer vaccine received its full FDA approval on 23 August 2021, while the Moderna vaccine received its full FDA Approval on 31 January 2022.

The European Medicines Agency (EMA) also renewed the authorisation for these vaccines :

  • Moderna Spikevax : 4 October 2021
  • Pfizer COMIRNATY : 3 November 2021
  • AstraZeneca Vaxzevria : 9 November 2021
  • Johnson & Johnson Janssen : 3 January 2022

So none of those COVID-19 vaccines are experimental. They have all passed their clinical tests, and have been approved.

Read more : What’s The Difference Between EUA vs Full FDA Approval?

Fact #5 : COVID-19 Vaccines Proven Safe

The COVID-19 vaccines were proven safe and effective in the massive Phase 2/3 trials that involved hundreds of thousands of volunteers.

These COVID-19 vaccine clinical trials are much larger than the usual clinical trials for new drugs or vaccines.

On top of that, they continue to undergo post-marketing surveillance, to catch very rare side effects like myocarditis (risk of less than 1 in million).

With so much clinical data, there is no way any insurance company or court can say that the vaccines are dangerous, or experimental.

Read more : What’s The Difference Between Full FDA Approval vs. EUA?
Read more : Vaccine Myocarditis Risk Less Than 1 In Million!

Fact #6 : COVID-19 Vaccination Will Not Affect Life Insurance

Insurance companies and regulators across the world have come out to publicly state that these claims are FALSE.

They also publicly stated that COVID-19 vaccination will not affect your life insurance.

American Council of Life Insurance (ACLI)

We said it before and, unfortunately, we must say it again because misinformation about life insurance claims and the COVID-19 vaccine continues to spread.

Policyholders should rest assured that nothing has changed in the claims-paying process as a result of COVID-19 vaccinations. Life insurance policies are very clear on how they work, and what cause, if any, might lead to the denial of a claim. A policyholder’s decision to receive or not receive a vaccine for COVID-19 is not one of them. Nothing has changed in life insurers’ claims paying process.  

Policyholders should reach out to their life insurance companies, agents or financial professionals for their COVID-related questions. They will be happy to help.

Insurance Control and Resolution Authority of France (ACPR)

The conditions of the death of the insured have no effect on the payment to the beneficiary of the sums paid on a life insurance contract.

Exclusion clauses are provided for contractually… In practice, the risks targeted by the exclusions are not very diversified and, to our knowledge, no contract contains clauses which would make it possible to exclude as a cause of death, the aftermath and consequences of vaccination, or more generally of taking medical treatment, on the prescription of a doctor.

Canadian Life and Health Insurance Association (CLHIA)

Contrary to misinformation being shared online, receiving a COVID-19 vaccine will have no effect on the ability to obtain coverage or benefits from life insurance or supplementary health insurance.

The CLHIA is aware of misinformation that is being spread through social media claiming that individuals who get the vaccine will not be able to get life insurance or may be denied their disability or life insurance benefits. These claims are incorrect and have no basis in fact whatsoever.

Association of British Insurers (ABI)

There are some claims being made that having the Covid-19 vaccine will impact your life insurance cover. This is false.

Receiving a vaccination against Covid-19 will not impact your insurance cover, be it life insurance, private medical insurance or other forms of insurance.

Financial Services Council of Australia (FSC)

The Financial Services Council (FSC) is today reassuring Australians that taking a COVID-19 vaccine will not invalidate life insurance policies despite false rumours suggesting otherwise.

FSC CEO Sally Loane said the false rumours, which have been circulating on social media, incorrectly suggest the COVID-19 vaccine is an “experimental medical treatment” and therefore having the vaccine is a “self-inflicted injury” which could void life insurance policies.

“To be clear – the COVID-19 vaccine is not experimental treatment. Receiving approved treatment from a qualified medical professional at an approved medical facility is not a self-inflicted injury,” Ms Loane said.

“One of the main reasons why people hold life insurance policies is to provide peace of mind for themselves and their families. The FSC would like to reassure Australians that when they get vaccinated, their life insurance will be there for them, completely unaffected.

“This scare mongering is wrong, it is entirely inappropriate and it needs to stop immediately.”

In other words, insurance companies in the United States and across the world will not deny payment of a life insurance in the event someone dies from a COVID-19 vaccine.

These statements were posted MONTHS ago… so I have to ask Todd Callender – why do you lie?

Now that you know the facts, please help to fight fake news – SHARE this article out!

And please protect yourself, and your family, by vaccinating them against COVID-19!

 

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Dr. Adrian Wong has been writing about tech and science since 1997, even publishing a book with Prentice Hall called Breaking Through The BIOS Barrier (ISBN 978-0131455368) while in medical school.

He continues to devote countless hours every day writing about tech, medicine and science, in his pursuit of facts in a post-truth world.

 

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Foreign Travellers To Malaysia Must Have US$20K Insurance!

Foreign travellers will need to purchase travel insurance of at least US$20K in value before travelling to Malaysia!

Here is what you need to know…

 

Foreign Travellers Can Visit Malaysia Without Quarantine!

On 8 March 2022, the Prime Minister of Malaysia, Ismail Sabri Yaacob, announced that Malaysia will reopen all international borders on 1 April 2022.

  1. All Malaysian citizens can travel freely internationally, as long as they have valid travel documents.
  2. All foreigners with valid travel documents can freely travel in and out of Malaysia, without apply for MyTravelPass, which will be abolished.
  3. All travellers have to activate MySejahtera, and fill in the Pre-Departure Form using the Traveller option in MySejahtera.
  4. All travellers who are fully-vaccinated with two doses of COVID-19 vaccine do not need to undergo any quarantine.
  5. However, travellers must show a negative RT-PCR test taken within 2 days before departure.
  6. In addition, travellers must undergo a professionally-administered RTK-Ag test within 24 hours of arrival in Malaysia, and report the results in MySejahtera.

Read more : Air Travel to Malaysia : Procedures + SOP From 1 April 2022!

 

Foreign Travellers To Malaysia Must Have US$20K Insurance!

On 30 March 2022, the Ministry of Health dropped a little bombshell just days before Malaysia reopened its international borders.

Starting 1 April 2022, all foreign travellers to Malaysia must purchase COVID-19 and travel insurance with coverage of at least US$20,000 before travelling to Malaysia.

This rule applies to all foreign travellers entering Malaysia on a short-term social pass, irrespective of vaccination status.

Foreign travellers must declare their COVID-19 and travel insurance policy in the MySejahtera app, before travelling to Malaysia.

The COVID-19 and travel insurance policy will be used to pay for any quarantine, treatment or hospitalisation costs, in case they get infected with COVID-19 while in Malaysia.

Only these groups are exempted from the requirement to purchase COVID-19 and travel insurance :

  • Fully-vaccinated citizens of Singapore or Malaysia
  • Fully-vaccinated permanent residents of Singapore or Malaysia
  • Fully-vaccinated Long-term Pass Holders of Singapore or Malaysia

In other words, if you are a Singapore citizen / permanent resident / long-term pass holder who is NOT fully-vaccinated, you must purchase COVID-19 and travel insurance with coverage of at least US$20,000 before travelling to Malaysia.

These insurance exemptions apply to all those who enter Malaysia through Singapore by air, land or sea.

 

Please Support My Work!

Support my work through a bank transfer /  PayPal / credit card!

Name : Adrian Wong
Bank Transfer : CIMB 7064555917 (Swift Code : CIBBMYKL)
Credit Card / Paypal : https://paypal.me/techarp

Dr. Adrian Wong has been writing about tech and science since 1997, even publishing a book with Prentice Hall called Breaking Through The BIOS Barrier (ISBN 978-0131455368) while in medical school.

He continues to devote countless hours every day writing about tech, medicine and science, in his pursuit of facts in a post-truth world.

 

Recommended Reading

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Please support us by visiting our sponsors, participating in the Tech ARP Forums, or donating to our fund. Thank you!

Will COVID-19 Vaccine Void Your Life Insurance?!

Dr. Peterson Pierre has gone viral with his claim that getting the COVID-19 vaccine will void your life insurance.

Take a look at his claims, and find out what the facts really are!

 

Dr. Pierre : COVID-19 Vaccine Will Void Your Life Insurance!

People are sharing a video of Dr. Peterson Pierre, claiming that getting the COVID-19 vaccine will void your life insurance.

He quotes a court case in France, and claims that the American Council of Life Insurers (ACLI) said that life insurance policies may deny payment for people who die from COVID-19 vaccines.

Here is a transcript of his video for your reference. But feel free to skip to the next section for the facts…

So in France, there was an elderly, wealthy businessman who got a life insurance for millions of dollars. He got the COVID-19 vaccine and he died.

 

Truth : COVID-19 Vaccine Will NOT Void Your Life Insurance!

This is yet another example of anti-vaccination FAKE VIDEOS that anti-vaccination activists are concocting to mislead people about the safety of the COVID-19 vaccines, and here are the reasons why…

Fact #1 : AFLDS Creates + Spreads COVID-19 Misinformation

Dr. Pierre identifies himself as a doctor with the AFLDS – America’s Frontline Doctors.

AFLDS is a right-wing American political organisation that is well-known for creating and propagating COVID-19 misinformation.

Everything associated with AFLDS should never be trusted, until proven true. Yes, they are that bad.

Fact #2 : The Story Was Made Up

I traced the provenance of this story from a Greek website, to a right-wing, anti-vaccination German website, which claimed that the story was originally published by the family’s lawyer, Carlo Alberto Brusa, on his Facebook page.

However, Brusa’s Facebook page has ZERO post about any court case, going all the way back to 27 December 2020 – when COVID-19 vaccinations first kicked off in France.

As far as anyone can tell – this story was completely FABRICATED.

Fact #3 : There Was No Such Case In France

There are several articles and videos – all referencing the Greek or German website, which leads us back to Brusa. And yet, there is ZERO evidence :

  • that a French millionaire actually died from his COVID-19 vaccination.
  • that any insurance company refused to pay a life insurance policy, because the insured died from COVID-19 vaccination.
  • that any French court ruled that a death from vaccination is considered a suicide.
  • of any case or court document regarding the case

If a French court did indeed rule that dying from a COVID-19 vaccine is considered a suicide, it would have been HUGE NEWS with major legal implications, and covered worldwide!

These articles were first posted in January 2022, and more than 2 months later, no one else covered it except for a few small anti-vaccination websites?

That’s because it never happened.

Fact #4 : COVID-19 Vaccines Are Not Experimental

Dr. Pierre falsely claimed that the COVID-19 vaccines are experimental.

COVID-19 vaccines are no longer experimental, after they receive either an emergency use authorisation or full approval from a health authority like the US FDA or EMA.

That only happens if they successfully complete their Phase 3 trials, and undergo a stringent review process. So it is not possible to use an experimental vaccine for mass vaccination.

I should also point out that the Pfizer vaccine received its full FDA approval on 23 August 2021, while the Moderna vaccine received its full FDA Approval on 31 January 2022.

The European Medicines Agency (EMA) also renewed the authorisation for these vaccines :

  • Moderna Spikevax : 4 October 2021
  • Pfizer COMIRNATY : 3 November 2021
  • AstraZeneca Vaxzevria : 9 November 2021
  • Johnson & Johnson Janssen : 3 January 2022

So none of those COVID-19 vaccines are experimental. They have all passed their clinical tests, and have been approved.

Read more : What’s The Difference Between EUA vs Full FDA Approval?

Fact #5 : COVID-19 Vaccines Proven Safe

The COVID-19 vaccines were proven safe and effective in the massive Phase 2/3 trials that involved hundreds of thousands of volunteers.

These COVID-19 vaccine clinical trials are much larger than the usual clinical trials for new drugs or vaccines.

On top of that, they continue to undergo post-marketing surveillance, to catch very rare side effects like myocarditis (risk of less than 1 in million).

With so much clinical data, there is no way any insurance company or court can say that the vaccines are dangerous, or experimental.

Read more : What’s The Difference Between Full FDA Approval vs. EUA?
Read more : Vaccine Myocarditis Risk Less Than 1 In Million!

Fact #6 : COVID-19 Vaccine Will Not Affect Life Insurance

Dr. Pierre also falsely claimed that the American Life Insurance Council said that “life insurance policies may deny payment if you die from the COVID-19 vaccine because they are experimental drugs.”

First of all, there is no American Life Insurance Council. There is only the American Council of Life Insurers (ACLI).

Secondly, the ACLI had earlier posted two statements refuting this ridiculous claim.

ACLI Statement Of 12 March 2021

A social media post appears to be behind the spread of entirely false information, suggesting a COVID-19 vaccine could be a factor a life insurer considers in the claims-paying process. 

The fact is that life insurers do not consider whether or not a policyholder has received a COVID vaccine when deciding whether to pay a claim. 

Life insurance policy contracts are very clear on how policies work, and what cause, if any, might lead to the denial of a benefit. A vaccine for COVID-19 is not one of them. 

Policyholders should rest assured that nothing has changed in the claims-paying process as a result of COVID-19 vaccinations. 

Policyholders should reach out to their life insurers, agents or financial professionals for their COVID-related questions. They will be happy to help.

ACLI Statement Of 16 September 2021

We said it before and, unfortunately, we must say it again because misinformation about life insurance claims and the COVID-19 vaccine continues to spread.

Policyholders should rest assured that nothing has changed in the claims-paying process as a result of COVID-19 vaccinations. Life insurance policies are very clear on how they work, and what cause, if any, might lead to the denial of a claim. A policyholder’s decision to receive or not receive a vaccine for COVID-19 is not one of them. Nothing has changed in life insurers’ claims paying process.  

Policyholders should reach out to their life insurance companies, agents or financial professionals for their COVID-related questions. They will be happy to help.

In other words, insurance companies in the United States will not deny payment of a life insurance in the event someone dies from a COVID-19 vaccine.

These statements were posted MONTHS ago… so Dr. Pierre knowingly misled you about what the ACLI said. So I have to ask Dr. Pierre – why do you lie?

Fact #7 : It’s The Same In France + Around The World

Just in case you are wondering – insurance companies in France and around the world do NOT :

  • consider COVID-19 vaccines “experimental”
  • deny payment in the event someone dies from a COVID-19 vaccine

Insurance companies and associations worldwide have stated that COVID-19 vaccinations do NOT impact life insurance claims.

They also do not call deaths from getting a COVID-19 vaccine “suicide”.

Insurance Control and Resolution Authority of France (ACPR)

The conditions of the death of the insured have no effect on the payment to the beneficiary of the sums paid on a life insurance contract.

Exclusion clauses are provided for contractually… In practice, the risks targeted by the exclusions are not very diversified and, to our knowledge, no contract contains clauses which would make it possible to exclude as a cause of death, the aftermath and consequences of vaccination, or more generally of taking medical treatment, on the prescription of a doctor.

Canadian Life and Health Insurance Association (CLHIA)

Contrary to misinformation being shared online, receiving a COVID-19 vaccine will have no effect on the ability to obtain coverage or benefits from life insurance or supplementary health insurance.

The CLHIA is aware of misinformation that is being spread through social media claiming that individuals who get the vaccine will not be able to get life insurance or may be denied their disability or life insurance benefits. These claims are incorrect and have no basis in fact whatsoever.

Association of British Insurers (ABI)

There are some claims being made that having the Covid-19 vaccine will impact your life insurance cover. This is false.

Receiving a vaccination against Covid-19 will not impact your insurance cover, be it life insurance, private medical insurance or other forms of insurance.

Financial Services Council of Australia (FSC)

 The Financial Services Council (FSC) is today reassuring Australians that taking a COVID-19 vaccine will not invalidate life insurance policies despite false rumours suggesting otherwise. 

FSC CEO Sally Loane said the false rumours, which have been circulating on social media, incorrectly suggest the COVID-19 vaccine is an “experimental medical treatment” and therefore having the vaccine is a “self-inflicted injury” which could void life insurance policies. 

“To be clear – the COVID-19 vaccine is not experimental treatment. Receiving approved treatment from a qualified medical professional at an approved medical facility is not a self-inflicted injury,” Ms Loane said. 

“One of the main reasons why people hold life insurance policies is to provide peace of mind for themselves and their families. The FSC would like to reassure Australians that when they get vaccinated, their life insurance will be there for them, completely unaffected. 

“This scare mongering is wrong, it is entirely inappropriate and it needs to stop immediately.”

Now that you know the facts, please help to fight fake news – SHARE this article out!

And please protect yourself, and your family, by vaccinating them against COVID-19!

 

Please Support My Work!

Support my work through a bank transfer /  PayPal / credit card!

Name : Adrian Wong
Bank Transfer : CIMB 7064555917 (Swift Code : CIBBMYKL)
Credit Card / Paypal : https://paypal.me/techarp

Dr. Adrian Wong has been writing about tech and science since 1997, even publishing a book with Prentice Hall called Breaking Through The BIOS Barrier (ISBN 978-0131455368) while in medical school.

He continues to devote countless hours every day writing about tech, medicine and science, in his pursuit of facts in a post-truth world.

 

Recommended Reading

Go Back To > Fact Check | Health | Tech ARP

 

Support Tech ARP!

Please support us by visiting our sponsors, participating in the Tech ARP Forums, or donating to our fund. Thank you!

Did French Court Rule Millionaire’s Vaccine Death As Suicide?!

Did a court in France rule that a millionaire’s death from the COVID-19 vaccine is considered a suicide?!

Take a look at the viral claim, and find out what the facts really are!

 

Claim : French Court Ruled Millionaire’s Vaccine Death As Suicide!

People are sharing videos and articles claiming that a French court recently ruled that a millionaire’s death from the COVID-19 vaccine is considered a suicide!

Apparently, the French businessman insured his life for millions of euros, but when he died from his COVID-19 vaccination, the insurance company refused to pay up, claiming that he died from taking an experimental vaccine.

So his family sued, and the French court allegedly ruled in favour of the insurance company, stating that the deceased knew about the side effects of the experimental vaccine. Therefore, his death is, in fact, a suicide.

Here is the example that everyone has been sharing, or quoting in videos. It’s very long, so feel free to skip to the next section for the facts.

In France, the court equated vaccination with suicide, taking the side of an insurance company that refused to pay money to the family of an insured millionaire who died from vaccination.

The case caused a huge resonance in society. An elderly businessman who died from vaccination, which was officially confirmed, insured his life for several million. However, after his death, the relatives were left with nothing, writes Unser Mitteleuropa.

 

Truth : French Court Did NOT Rule Millionaire’s Vaccine Death As Suicide!

This is yet another example of anti-vaccination FAKE NEWS that anti-vaccination activists are concocting to mislead people about the safety of the COVID-19 vaccines, and here are the reasons why…

Fact #1 : It Was Based On A Single German Article

I traced the provenance of this fake story to a right-wing, anti-vaccination German website called Unser Mitteleuropa, literally Our Central Europe.

It claimed that the story was published by the family’s lawyer, Carlo Alberto Brusa, on his Facebook page. However, Unser Mitteleuropa did not provide any link to that story, or any actual court documents.

I scrolled through Brusa’s Facebook page all the way back to 27 December 2020 – when COVID-19 vaccinations first kicked off in France – and could not find a single reference to any court case he might have been working on.

There was no post about any French court calling his client’s vaccine death “a suicide”. Only a ton of posts and videos for his anti-lockdown, anti-vaccination Reaction 19 movement.

Fact #2 : There Is No Such Case In France

As far as I can tell – this entire story is completely made-up. Completely fabricated.

  • No French millionaire actually died from his COVID-19 vaccination.
  • No insurance company refused to pay life insurance because of death from vaccination.
  • No French court ruled that a death from vaccine is considered a suicide.
  • There is no document of such a case, except for two unrelated letters (see Fact #3)

None of these articles or videos mentioned the name of the dead millionaire, the insurance company, or the which court or judge presided over the case.

If a French court did indeed rule that dying from a COVID-19 vaccine is considered a suicide, it would have been HUGE NEWS, and covered world-wide!

Unser Mitteleuropa first posted their article on 12 January 2022, and more than 2 months later, no one else covered it except for a few small anti-vaccination websites?

That’s because it never happened.

Fact #3 : Life Insurance Letters Unrelated To Case

Instead of actual court documents proving that the French court indeed ruled that the (non-existent) man’s death from (non-existent) vaccine death was “a suicide”, the article shared two completely unrelated letters from German insurance companies.

In the first, Techniker Krankenkasse said that any potential side effects from the COVID-19 vaccine are not covered by their health insurance (this is not life insurance), as the vaccination is provided by the state authorities and so, any side effects would be covered by the state authorities.

In the second letter, Die Haftpfichtkasse wrote that their accident insurance (again, not life insurance) does not cover any potential side effects from COVID-19 vaccination. It is, after all, an accident insurance policy.

Fact #4 : COVID-19 Vaccines Are Not Experimental

These fake stories are based on the claim that COVID-19 vaccines are experimental, which is completely bogus.

COVID-19 vaccines are no longer experimental, after they receive either an emergency use authorisation or full approval from a health authority like the US FDA or EMA.

That only happens if they successfully complete their Phase 3 trials, and undergo a stringent review process. So it is not possible to use an experimental vaccine for mass vaccination.

I should also point out that the Pfizer vaccine received its full FDA approval on 23 August 2021, while the Moderna vaccine received its full FDA Approval on 31 January 2022.

The European Medicines Agency (EMA) also renewed the authorisation for these vaccines :

  • Moderna Spikevax : 4 October 2021
  • Pfizer COMIRNATY : 3 November 2021
  • AstraZeneca Vaxzevria : 9 November 2021
  • Johnson & Johnson Janssen : 3 January 2022

So none of those COVID-19 vaccines are experimental. They have all passed their clinical tests, and have been approved.

Fact #5 : COVID-19 Vaccines Proven Safe

The COVID-19 vaccines were proven safe and effective in the massive Phase 2/3 trials that involved hundreds of thousands of volunteers.

These COVID-19 vaccine clinical trials are much larger than the usual clinical trials for new drugs or vaccines.

On top of that, they continue to undergo post-marketing surveillance, to catch the very rare side effects like myocarditis (risk of less than 1 in million).

With so much clinical data, there is no way any insurance company or court can say that the vaccines are dangerous, or experimental.

Read more : What’s The Difference Between Full FDA Approval vs. EUA?
Read more : Vaccine Myocarditis Risk Less Than 1 In Million!

Fact #6 : COVID-19 Vaccination Does Not Affect Life Insurance

COVID-19 vaccination does not affect life insurance payment.

The Insurance Control and Resolution Authority of France (ACPR) said that, “the conditions of the death of the insured have no effect on the payment to the beneficiary of the sums paid on a life insurance contract.

There are only two possibilities for the denial of a life insurance claim :

  • if the insured commits suicide, or
  • if the beneficiary is convicted of voluntarily causing the death of the insured.

The ACPR also clarified this issue to French newspaper Libération, stating :

Exclusion clauses are provided for contractually… In practice, the risks targeted by the exclusions are not very diversified and, to our knowledge, no contract contains clauses which would make it possible to exclude as a cause of death, the aftermath and consequences of vaccination, or more generally of taking medical treatment, on the prescription of a doctor.

In other words, insurance companies in France cannot deny payment of a life insurance in the event someone dies from any vaccination, or medical treatment.

Fact #7 : Insurance Companies Are Not Denying Life Insurance Claims

Insurance companies and associations have stated that COVID-19 vaccinations do NOT impact life insurance claims. They have never called deaths from getting a COVID-19 vaccine “suicide”.

Canadian Life and Health Insurance Association (CLHIA)

Contrary to misinformation being shared online, receiving a COVID-19 vaccine will have no effect on the ability to obtain coverage or benefits from life insurance or supplementary health insurance.

The CLHIA is aware of misinformation that is being spread through social media claiming that individuals who get the vaccine will not be able to get life insurance or may be denied their disability or life insurance benefits. These claims are incorrect and have no basis in fact whatsoever.

American Council of Life Insurers (ACLI)

Insurance companies pay death benefits on policies, when the insured dies, regardless of the cause of death, except in very narrow and limited circumstances.

Life insurance policy contracts are very clear on how policies work, and what cause, if any, might lead to the denial of a benefit. A vaccine for COVID-19 is not one of them.

Manulife

The COVID-19 vaccination in no way negatively impacts your current insurance policies or valid Group Benefits coverage, nor does it factor into new insurance applications you may apply for with us.

Allianz

Your Allianz life insurance policy does not contain a specific policy exclusion for COVID-19.

However, there is an exclusion which may apply if your claim relates to overseas travel. By this we mean, we will not pay any benefits to the extent a claim arises because you didn’t follow advice issued by the government relating to an overseas location.

Now that you know the facts, please help to fight fake news – SHARE this article out!

And please protect yourself, and your family, by vaccinating them against COVID-19!

 

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Dr. Adrian Wong has been writing about tech and science since 1997, even publishing a book with Prentice Hall called Breaking Through The BIOS Barrier (ISBN 978-0131455368) while in medical school.

He continues to devote countless hours every day writing about tech, medicine and science, in his pursuit of facts in a post-truth world.

 

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Malaysia Approves COVID-19 Vaccine Injury Fund!

To allay anti-vaccination fears, Malaysia just approved a COVID-19 vaccine injury fund!

Find out how much Malaysia’s COVID-19 vaccine injury fund will pay for each case, and the claim process!

 

Malaysia Approves COVID-19 Vaccine Injury Fund!

Anti-vaccination proponents have been harping that COVID-19 vaccines are so dangerous their manufacturers insist on total legal immunity in case of any injury or death.

The truth is – it’s all about the money.

Pharmaceutical companies normally factor in the cost of potential litigation into every vaccine dose. Legal immunity would allow them to minimise the cost of their vaccines for the pandemic.

Despite the fact that closely-monitored trials involving hundreds of thousands of people have shown that these vaccines are safe, it remains a cause of concern for many people – what if I get injured or die from the vaccine?

Malaysia is eliminating that concern by approving a COVID-19 vaccine injury fund on 21 March 2021.

Officially called Bantuan Khas Kewangan Kesan Mudarat Vakin COVID-19 (Special Financial Assistance for COVID-19 Vaccine Adverse Effects), this COVID-19 vaccine injury fund will pay out :

  • RM 50,000 for serious side effects that requires extended hospitalisation
  • RM 500,000 for permanent disability or death from the COVID-19 vaccine

It will receive an initial funding of RM 10 million (US$2.5 million) under the National Disaster Relief Trust Fund.

 

Malaysia COVID-19 Vaccine Injury Fund Process

The Malaysia Ministry of Health established three committees to monitor and assess the reported adverse effects from the COVID-19 vaccines.

  1. Special Pharmacovigilance Committee for COVID-19 Vaccine Monitoring
    – to monitor and assess the AEFI (adverse effects following immunisation) and safety issues related to the COVID-19 vaccines
  2. Medical Technical Committee
    – to decide if the claim for special assistance has a causal relationship with the COVID-19 vaccines.
    – judgements will be made on a case-by-case basis, based on the evidence received and the report by the Special Pharmacovigilance Committee for COVID-19 Vaccine Monitoring.
  3. Main Committee for Special Financial Assistance for COVID-19 Vaccine Adverse Effects
    – to approve the special financial assistance based on the decisions of the two previous committees.

Once the claim for special financial assistance is approved, NADMA (National Disaster Management Agency) will issue the payment.

 

No More Excuse Not To Vaccinate! Sign Up Now!

Now that every person receiving the COVID-19 vaccine in Malaysia is insured by the COVID-19 vaccine injury fund, there is really no reason not to sign up for the FREE COVID-19 vaccine!

It doesn’t matter if you are a citizen or a foreign resident – the vaccine is FREE!

Just pick any of these FIVE (5) ways to register for your FREE COVID-19 vaccine.

  1. The MySejahtera app.
  2. The Vaksin COVID website.
  3. The telephone hotline : 1800-888-828
  4. Manually at health clinics, hospitals and private clinics
  5. House-to-house registration at targeted rural areas for senior citizens.

Recommended : How To Register For COVID-19 Vaccination On MySejahtera!

 

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Buy Tune Protect Travel, Get 1GB Flexiroam Data Roaming!

Tune Protect just announced that every purchase of their travel insurance will receive complimentary 1GB Flexiroam data roaming for their trip! Here are the full details!

 

Buy Tune Protect Travel, Get 1GB Flexiroam Data Roaming!

Starting from 6 May 2019 onwards, customers who purchase Tune Protect travel protection will receive a complimentary Flexiroam X Starter Pack for their trip.

You can either purchase your Tune Protect travel insurance with your AirAsia fare (excluding value pack and premium flex), or directly from the Tune Protect website, to be eligible for this promotion.

 

Flexiroam X Starter Pack

The Flexiroam X Starter Pack comes with the option of an eSim, a microchip, or a SIM card.

It will give you 1 GB of free data roaming in your destination country for 3 days, from the effective date of the travel protection policy.

If you purchase the Tune Protect annual plan, you can choose your activation date.

To redeem the Flexiroam X Starter Pack, just key in your Tune Protect policy number, email address and destination in the Flexiroam redemption website.

 

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The Machines Protection Plan Explained!

Machines Sdn Bhd (Machines) just launched a device protection plan for customers in Malaysia. Known as the Machines Protection Plan (MPP), this plan provides protection from accidental damage such as cracked screens and water damage for as low as 42 sen per day.

 

The Machines Protection Plan

The Machines Protection Plan (MPP) allows customers to enjoy one (1) screen replacement or one (1) full device replacement during the two (2) year coverage period. The MPP price ranges from RM 299 – RM 899 (~US$ 73-219), depending on the model of the protected device, and can be obtained at local Machines stores upon purchase of a new device.

The Machines Protection Plan (MPP) provides coverage for parts and labour cost. For a full device replacement claim, a service fee will be charged on top of the price for the MPP. For example, for an iPhone SE full device replacement, customers will need to pay a service fee of RM299 on top of the iPhone SE MPP cost of RM299.

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A survey by Otterbox Inc. in 2015 stated that 29% of Malaysians accidentally damage their smartphones within the first three months of purchase. The same study also revealed that 75% of Malaysian smartphone users have damaged their devices almost 3 times in the past 5 years.

Machines has selected Aon Insurance Brokers (Malaysia) Sdn Bhd (Aon Malaysia) as its insurance broker to offer this device protection plan, underwritten by AIG Malaysia Insurance Berhad.

Machines is also working to extend the Machines Protection Plan to include new devices purchased from third parties, including telcos.

 

The Machines Protection Plan Price List

Device MPP Price (inc. of GST)
Apple Watch RM 299 / ~US$ 73
iPhone SE / 6 RM 299 / ~US$ 73
iPhone 6s / 6s Plus RM 599 / ~US$ 146
iPhone 7 / 7 Plus RM 599 / ~US$ 146
iPhone 8 / 8 Plus RM 599 / ~US$ 146
iPhone X RM 899 / ~US$ 219

 

Service Fee Table For Full Device Replacement

This “service fee” is an additional fee that must be paid for a full device replacement, as opposed to a repair or part replacement.

Device Full Device Replacement Service Fee
(inc. GST)
Apple Watch RM 249 / ~US$ 61
iPhone SE / 6 RM 299 / ~US$ 73
iPhone 6s / 6s Plus RM 299 / ~US$ 73
iPhone 7 / 7 Plus RM 299 / ~US$ 73
iPhone 8 / 8 Plus RM 299 / ~US$ 73
iPhone X RM 499 / ~US$ 122
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How Much Will You Save?

If you have butter fingers and keep dropping your expensive iPhone, you will stand to save a lot of money.

Device Regular Price for Screen Replacement
(inc. of GST)
Price for Screen Replacement under MPP
(inc. of GST)
iPhone SE / 6 RM 699 / ~US$ 170 No Charge
iPhone 6s / 7 / 8 RM 799 / ~US$ 195 No Charge
iPhone 6s Plus / 7 Plus / 8 Plus RM 899 / ~US$ 219 No Charge
iPhone X RM 1799 / ~US$ 439 No Charge

If you plan to hang onto your iPhone for many, many years, you will also save on the battery replacement cost.

Device Regular Price for Battery Replacement
(inc. of GST)
Price for Battery Replacement under MPP
(inc. of GST)
iPhone SE RM 399 / ~US$ 97 RM 49 / ~US$ 12
iPhone 6 RM 499 / ~US$ 122 RM 49 / ~US$ 12
iPhone 6s / 6s Plus RM 399 / ~US$ 97 RM 49 / ~US$ 12
iPhone 7 / 7 Plus RM 399 / ~US$ 97 RM 49 / ~US$ 12
iPhone 8 / 8 Plus RM 399 / ~US$ 97 RM 49 / ~US$ 12
iPhone X TBC RM 49 / ~US$ 12

Please note that they will only replace your battery when it cannot be charged beyond 50% of its original capacity. In addition, you’re only allowed one battery repair or replacement, and that’s subject to the service fee above.

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You Can Now Buy AIG Insurance Coverage On Lazada!

KUALA LUMPUR, August 22 2017 Lazada Malaysia today announced their partnership with AIG Malaysia, a subsidiary of American International Group, Inc (NYSE:AIG), to provide a more convenient and seamless purchase of AIG insurance on their online shopping platform.

 

Buy AIG Insurance Coverage On Lazada

Customers who shop on Lazada Malaysia can now purchase Travel, Snatch Theft and Personal Accident (Active Lifestyle Care) coverage via the ‘freestanding’ AIG shop-front. The premiums on these AIG insurance coverages will be priced between RM 8 to RM 115.

Malaysia’s general insurance penetration level, measured in terms of premiums as a share of GDP, stands at less than 2% as compared to 3-4% in more developed markets. Recognising that the population remains largely uninsured, the partnership seeks to continue expanding the reach and penetration of insurance in the country, further generating more awareness among consumers.

“Enabling opportunities in the digital and direct channels for the purchase of insurance will be able to improve transparency and enable easier product comparisons, further ensuring that our customers are well-informed about the right products that suit their needs. We continuously invest to provide services that create a more engaging customer experience, and ultimately, better serve the needs of Malaysians. This collaboration is timely and helps prepare Malaysians to take a better charge of their future,” said Hans-Peter Ressel, Chief Executive Officer of Lazada Malaysia.

According to Antony Lee, AIG Malaysia’s Chief Executive Officer, the partnership is another milestone for AIG Malaysia to reach out to a very underinsured segment of the market that favours the convenience of purchasing on digital platforms. These AIG insurance products are specifically tailored for this market at competitive premium prices.

Lazada not only presents a compelling retail presence, but also offers a strong online platform that enables AIG Malaysia to offer the relevant products to the right customers at the right time, and for the right reasons. With some 50 per cent of Lazada’s customers aged between 26 and 35 years – well within AIG’s target customer segments – the partnership will provide us with the opportunity to better understand our customers’ needs and to continuously match them with the right insurance solutions.”

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U Mobile Set To Offer Sun Life Micro Insurance

KUALA LUMPUR, 18th MAY 2017 – U Mobile and Sun Life Malaysia today announced their partnership to provide telco-assurance to U Mobile’s base of over five million customers.

 

U Mobile Set To Offer Sun Life Micro Insurance

The collaboration is significant for two reasons. Firstly, it will be the first time that life insurance is offered to mobile customers in Malaysia via a telco service provider. Secondly, it is also the first time Malaysians will be able to apply, subscribe and manage their life insurance coverage entirely via their mobile phone, if they are a U Mobile customer.

During the Memorandum of Understanding (MoU) signing ceremony, U Mobile’s Chief Executive Officer, Wong Heang Tuck, shared that the telco is very driven by its customers’ passion and has an unlimited list of ideas on how to benefit customers.

He pointed out that insurance coverage is just one of the many services the telco will be launching this year. “We believe that all our customers would want to have unlimited peace of mind during their time of need. As a start, we will be partnering with Sun Life Malaysia to offer life microinsurance which provides necessary and adequate protection at low monthly premiums.”

Heang Tuck added that Sun Life Malaysia is the ideal life insurance partner, “Sun Life Malaysia not only shares our challenger mindset, but also has extensive expertise in insurance product innovation which we can tap into. Together, we will be able to offer products that are suitable yet financially accessible.”

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Also present at the signing ceremony was Raymond Lew, Chief Executive Officer and President / Country Head of Sun Life Malaysia. He echoed Heang Tuck’s enthusiasm about the partnership, and stated that five out of every 10 Malaysians do not have life insurance coverage.

The collaboration with U Mobile not only increases the awareness of the importance of life insurance among Malaysians, but also increases the accessibility for customers to purchase insurance products.

U Mobile will be making Sun Life Malaysia microinsurance products available to its customers from October 2017.

 

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Takaful & Allianz Malaysia Receive Top Motor Insurance Awards

iBanding Services recently awarded Syarikat Takaful Malaysia and Allianz Malaysia for the Best Motor Takaful Company and Best Motor Insurance Company in 2016 respectively. The awards were based on the results of a study conducted by iBanding, which ranked insurance companies in Malaysia on actual feedback from Malaysian motor vehicle drivers.

The study revealed that Syarikat Takaful Malaysia customers are the most satisfied with their insurance services and recommend the motor insurance company to their family and friends more often than other companies. Takaful insurance holders quoted price, quality of service and policy benefits as the top three reasons why an insurance company is preferred.

 

The iBanding Motor Insurance Awards

iBanding’s recognition of Syarikat Takaful Malaysia and Allianz Malaysia as the best motor insurance providers in 2016 is not like any other award within the industry. Besides providing valuable insights from its annual study, iBanding’s yearly ranking of motor insurance companies for both Conventional and Takaful motor insurance provides consumers with the knowledge and confidence to choose the best insurance company that is right for them.

Luke Roho, Co-Founder of iBanding elaborates, “For the past 30 years, Malaysians do not feel that it was necessary to shop around to compare different motor insurance policies. This was because motor insurance prices have been regulated by a tariff structure, which is set by Bank Negara Malaysia. This will change with the introduction of Motor Detariffication in July this year. With the implementation of Motor Detariffication, motor insurance prices are no longer regulated.

This means that insurance companies will be able to set their own prices and offer a variety of differently priced services to consumers. However, lower price does not mean that the service offered is better. Our motor insurance ranking and insurance award will help consumers decide what company is best for them based on price and service quality. Ideally, consumers want to buy insurance with the best service and lowest price.

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Roho added that consumers will have to be ready for the changes that follow Motor Detariffication, “After detariffication is implemented, consumers may find buying motor insurance to be a bit more complicated. This is because insurance companies or agents will now ask a lot more questions. This additional information will help insurance companies decide if you are a safe driver or a risky driver, which will ultimately affect the price of the insurance plan.

If the insurance company decides that you’re more of a risky driver than a safe one, the price of your insurance will be higher. This means that two individuals purchasing the same car model may have to pay different insurance prices based on various considerations like occupation and traffic violations. With so many options to consider, it can be overwhelming especially for first time buyers. iBanding helps consumers select the right company through its annual Motor Insurance Award.”

 

 

How The Survey Was Conducted

The Study is based on the Net Promoter Score (NPS) methodology, which closely examines customer satisfaction. iBanding’s Study also uses statistical methods and fraud detection parameters to ensure unbiased results.

From 4,000 unsolicited responses received nationwide in 2016, 2,600 responses were accepted, with Syarikat Takaful Malaysia scoring the highest for Islamic Insurance or more often called Takaful, and Allianz Malaysia for Conventional Insurance.

 

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GoBear For The Bear Essentials On Insurance & Credit Cards

Bear Essentials On GoBear

On May 5, 2016, GoBear launched their website to help Malaysians tackle the confusing morass of insurance and credit card offerings in Malaysia. The GoBear website aims to summarise the confusing features and limitations of all those offerings to give you nothing but the “bear essentials”. This will allow you to easily compare their features and limitations, so you can make the best financial decisions for your family.

In this video, GoBear CEO Andre Hesselink explains the motivation behind GoBear and how they avoid being biased in their recommendations.

 Then it’s time for GoBear to break out of its prison!

 Now, Iskandar Ezzahuddin, GoBear Country Director (Malaysia), explains how the GoBear website works its magic.

Their aim is, ultimately, to clarify the confusing insurance and credit card market for the consumer. Their partners, on the other hand, benefit by receiving customers that are already aware about what they are buying. [adrotate banner=”5″]

 

GoBear Press Release

MALAYSIA (6 MAY 2016) – Have you ever been in a situation where you are completely lost and have to bear the hassle of comparing various travel insurance policies and credit cards? Starting today, break free from the hair pulling confusion of trying to select the best financial products to suit your needs. GoBear, the easy-to-navigate site provides unbiased side-by-side comparison between different financial products for users.

GoBear believes in being an internet company that specialises as an information platform and not as a seller or representative of products. This allows unbiased search results that are fair, simple, and complete to match the needs and preference of any individual or family. Consider it the go-to place when you need only the bare necessities to help you pick the perfect financial product. GoBear currently lists over 1,000 financial products on its website and will be adding more in the months to come.

“GoBear originated from the idea that people today want easy access to service information, and that customers should be able to compare various financial products easily before making a decision. This is where GoBear steps in, to provide a new experience that makes searching for financial products quickly, easily and transparently,” said Iskandar Ezzahuddin, Country Director Malaysia, GoBear.

He continued, “Today’s insurance buyers are mobile-first, multi-screen and social media savvy. To reach them, insurance companies will need to employ an increasing emphasis on simplicity in search.”

GoBear recorded a 50 percent month on month growth in usage with over 1.2 million users since it first established itself in Singapore and Thailand.

On the expansion to Malaysia, Andre Hesselink, Chief Executive Officer of GoBear explained, “GoBear is a global brand in the making and we are very focused on being local to serve customers in each of our key markets in the best way. Together with a team of Malaysian specialists, we continue to enhance the seamless user experience, with search, filter and insurance quotes.”

GoBear Malaysia currently features travel insurance and credits cards. The site will be expanding into the car insurance and personal loan category in the third quarter of this year.

With GoBear, all the crucial information you need is as ‘bear’ as it comes.

 

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