I am very dissatisfied, displeased, disappointed and sad with AIA, the world recognise insurance company. I doubt that we can trust our life with it. I want to share my story with all of you here.

I trully feel cheated by AIA. I bought my life and medical insurance 6 years ago and last month, when I try to use my medical card, I cant use it at all. I feel regret buying AIA.
I would like to advise people here dont buy AIA. AIA seem giving lot of problem to their customer.
I follow all their protocol, fill up the form, the doctor fill up his part 1 month before I admitted to the hospital and AIA reject this surgery and dont want to issue the Guarantee Letter to me.
Luckily I have another insurance (my company insurance) which fully cover my surgery fees therefore only I can proceed with the surgery.

After I have recover, I make the complaint to Bank Negara regarding this case and the explanation I received from AIA is that they say they didnt reject my case is just that I have to pay cash first claim later. They are twisting their word. This is ridiculous. RM7000 is alot. It is not easy for me to take out this huge amount of cash. How many people can take out this cash? Furthermore this is just a minor surgery, what if there are complication and it will cost more? AIA failed to protect in this case. I have lost faith with AIA. I cant believe that AIA can protect us when we admitted to the hospital and in need of help.

Why other company can cover my surgery and my own insurance which I have consistantly paid for the past 6 years failed to do so?
Why issue us with the medical card which suppose to give us direct bill settlement to your hospital and failed to do so where we need to pay cash first and claim later? Not everyone as lucky as I am that have 2 medical card. AIA need to held responsible for this. According to Bank Negara that this kind of case is very common and usually we (the client) will lost. Even if we pay cash first, later also will have problem to claim back. You see...Its look like most of the insurance company try to give us trouble for what we deserve. It look like they are trying to cheat us, protecting themself, give lot of excuse and reason to avoid this. Their term and condition only themself know.
My AIA agent never help anything at all in this case. I call AIA customer service centre many times and none of them can help me solve this matter and they dont let me talk to their manager.

Right now I really stuck here as I still paying this premium. I cant terminate, if i terminate, I will RUGI. But if I continue, I have no confident with AIA and dont believe they will help us.

My conclusion here is, DONT BUY AIA insurance. Especially the MEDICAL insurance. Take my case as example and learn from my mistake.
I want to let everyone know so that in the future, lesser people will get cheated.

Silly,

I am sorry to hear that.

Generally there are 3 important points to remember when we buy medical card (my insurance agent taught me that):-

1. The coverage MUST NOT be itemised
2. It must be guaranteed renewable
3. It mustn't require payment up front when you check into the hospital like your case

You may want to check with your policy against the above 3 points, especially on point 3. Your policy might require you to pay and claim later.

Take care...

Thanks for the concern. I think the most important thing is having a GOOD insurance AGENT.

The problem here is why other insurance company can cover and mine cant. i paid my insurance monthly and it is still active. The reason the decline this claim is they say it fall under the category of pregnancy and maternity. This is nonsense.
I read the policy. I agree with the requirement pay up-front when admitted to hospital, that is the reason why we ask AIA to issue Guarantee Letter so that You dont need to pay up-front. Even if pay up-front first also they will issue ghe GL. The point here is that they decline this claim. After I make complaint then only they twist the word say they want me to pay the whole surgery first in cash then only claim later. But they cant assure me it is claimable or not. The doc very sure this surgery is claimable only ask me to proceed with it. He has many years experience with it. This is a very common and minor surgery according to him.

We really need to Beware with all the INSURANCE company. They are very good at beating around the bush.

Yes. A good insurance agent is very important. I bought mine from my friend, just to support, and now she is gone and no way to be seen and I am stuck with a policy without a service agent. When i decided to call the company to get me an agent, i have one lady coming up to me to ask me to top up the policy because the last was not good enough...mmm....

Anyway, insurance is indeed a very important when need arises...

Yes. I agree. Insurance is important when needed. You cant live without it but you can die rely on it. That is the thing with insurance agent.. can just disappear... When new agent come they told u to top up so that they can earn some commission from it.
Sigh!

When i was back from Singapore 2 years ago, I was looking for a critical illness policy. I was introduced to this gentleman from ING. Actual fact, I met him a few times in the hospital servicing his client (my dad was admitted in the hospital then). I called him for a quote and I find him being very sincere. I bought my critical illness from him and am thinking of topping up now. If you do need a good agent, perhaps I can introduce him to you.

Btw, I am from Ipoh, so is he.

Thanks. I am thinking of getting another medical card but not now. Until i have settle my AIA first.
Are you in Ipoh or you just from IPOH but staying in KL?
Glad to hear that at least now you have a good agent.

I am staying in Ipoh. Yes, I am great I am happy with this agent. And ING is not a bad insurance company. Perhaps you can check up their medical card

http://thestar.com.my/news/story.asp?file=...1586&sec=nation

ING was previously involved in some controversy over their medical card. Please check with your agent for newest update.

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Added on May 21, 2008, 6:07 pm

- Please check back your policy documents and find out what's the exclusion.
- Problems usually arises due to 2 reasons.
a) Not informed properly by agents
b) Didn't read through the policy thoroughly

As an agent (I'm not from AIA), I can't tell you 1 - 100 things that is excluded & all the details, but they are all written in the policy.
Normally insurance company provides refund if you cancel the policy within certain period of in-forcement (w/o any claim that is).


This post has been edited by bbjslee: May 21 2008, 06:07 PM

Sad to heard it "Again"!!

I'm a field-force agent but not from AIA. Similar thing happened on my colleague's family Nov 2007 while I still parttime agent.

Case happened when her AIA agent closed his father-in-law a life insurance with protection RM10k and yearly premium RM3k/yr. Afterward, my colleague found out the plan purposed not worth and want to terminate the policy within 15 free-look period. However, the agent doesn't want to respond to her, have an argument with her and told my colleague the last word "Dont Find Me Anymore, I don want to serve u anymore" and never pick-up her call after all.
My colleague looks for my assist, and finally settled.

My colleague's family having 6 policies with this AIA agents for 5years, and she truly disappointed with HER & AIA. Now my job, collect premium from her, submit to AIA office, get back receipt, give back to her every month. I not receiving any commission coz i'm not from AIA.

Luckily, she understood is agent responsibility to assist her in this case. But she still understtod the importance of insurance to herself and her family.

could not believe this is happening around

This is why slogan "INSURANCE ALL LIAR" in market.

Insurance company only doing their job based on contract, but agent play fool around customers.

you are too biased....maybe you have been "fooled" by the agent instead....and not the company.....you have not told us the story of what were told when you bought the policy and the details of the products.....each company has its own policy

pls dont flame all the agents base on ur experinced only

IMO, better terminate it. Since it doesn't really cover you, why continue? I rather lose part of the premium rather than keep on paying for nothing.

Ops.. apologize for anyone feel offence..

The statement point to those irresponsibility's agents ONLY!!! However there still GOOD agents around

As far as I understood about today's market on Medical card, one is already losing money if he/she does not ever claim once from the medical card. I could be wrong in the sense that my interpretation that there's no cash value in serving the premium for medical card.

I also heard there are some problem with ING lately.
I understand as an agent, you wont know what are the thing is excluded only the insurance company itself know.
What kind of refund are you talking about here. i have been invested for the past 6 years. I pay around RM2k per year and if i terminate now I wont get back RM12k. I might only get back half according to AIA. And I dont think they will refund anything for me. I am still waiting for the response and explaination from AIA.

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Added on May 21, 2008, 10:41 pm

I also have the same thinking. Since i cant trust AIA with my life, why should i contineu.
I do think of terminate it, only the medical part and maintain the critical illnesses,saving/life and investment link but AIA say even if i terminate, I stil have to pay the same amount, which is RM161 every month (same, no deduction). I dont understand why and they fail to explain properly. That's why i still doubt and dare not terminate it now?
If i cancel the whole premium, I lose quite alot. I have been paying RM161 everymonth for the past 6 years ( so roughly i have invested RM12k). If i cancel now, the cash return I get back will be less than what I have paid/invested. Furthermore with the history of this surgery which i did and I am getting older, it will be harder and more expensive for me to get the new insurance.
I need to think deeply whether should I continue or not. No one advise me. No agent served me
SIGH!!!


This post has been edited by sily22: May 21 2008, 10:41 PM

Upon termination, u will only get back Total Investment Value.

Malaysia hv 18 Life Insurance Company, impossible for u to compare 1 by 1, coz time consuming

U hv to make own judgment again, GD LUCK

What do you mean by TOTAL INVESTMENT VALUE? is that mean how much i have been paid for the past 6 years? or you are refering to the CASH VALUE?

Wow.. i didnt know in Malaysia we have 18 life insurance. Life insurance is not that critical. The most important and critical for now is the MEDICAL insurance that I am more concern about.

I hope i wont make another wrong decision or judgment again when purchasing the new insurance. Thanks