If you want to publicise your issue, then probably you can write to Malay Mail. The don't just print your rants but also ask for explanation from company you are complaining about. I see a lot of times, when problems published in Malay Mail, companies move their butts, say sorry to the guy who complain and resolve everything.

Having said that, I never really trusted insurance. Just get a basic insurance, if you die or get crippled they have to pay, can't cheat about those kind of things. The rest of money invest and save up. Insurance is mostly for old age when you are likely to get lots of problems, while companies will claim good to start young so you are covered at old age, but when you get to old age they'll try to boot you out. Also you'll reduce your life span out of heart ache when dealing with them regarding compensations.

I know of one AIA agent in Penang who is very responsible and capable. If you want, I can recommend him to you. He is also my PM unit trust agent...

I have an medical card under AIA. It got word Platinum. Any difference?

The French people pay a lot of tax, but they don't complain about that because the medical facilities and etc there is excellent. Hard to trust welfare systems provided by private sector coz for them bottom line is profit. Private charitable organizations also cannot be trusted, eg like Balkis where charity recipients were the Menteri's wives, and not the needy. I think if we can get all the public money is wasted by corruption and etc, it would be more than enough to give proper health care to everybody. If that's ever gonna happen, first have to vote out current government.



Err.. you obviously haven't been to a public hospital. When I started job I went to University Hospital, waiting area not enough to accomodate all the people waiting, for some of the doctors, queues were so long, had to deal with extremely rude nurses who treated me like I came begging for money. Then I found out that my company policy lets me get treatment in private medical centers as well, it felt like walking from Hell into Heaven.

While I agree that some of the best doctors are in public hospitals, the nurses and doctors there are way too overworked. We need more hospitals.

Well as i heard if ur holding ING or AIA and u got admitted u still have to pay deposit upfront b4 get admitted... Yes it means u pay all the expenses of ur medical and then claim back from ur insurance company..
But not all the companies practicing that..
Like Prudential with their PruLink policy n Great Eastern are for more better.

I was admitted to the hospital..but my the company i work for bear all the charges.. and i am a Prudential PruLink Policy Holder.I informed my agent that i was admitted and also told him that my company will pay for the medical.. but still he came n visited me n see the doctor to get the reports.. 1 week after that he handed me over a cheque.
I asked why is that ??
He said even im still entitle for my hospitalization.. according to my policy
Which Room - RM200 / day
Surgery - Up to rm 7k claim / unit( depends where is the surgery) ( i got 3 units)
so i was admitted for 4 days and surgery for dialysis
wow i still have some cash for spend.. hehe

This post has been edited by 4lenAngel: Jun 19 2009, 10:04 AM

I will reject that cheque from PRU if I know my compan is covering me! The reason is I would rather keep my lifetime limit intact, as simple as that. Well unless you are saying that Prulink doesn't have any lifetime limit then yeah, go enjoy yourself with the extra cash...

Is there any AIA agent here? I want to have my policy checked for the next incoming installment. Please PM me if you are an AIA insurance agent.

This post has been edited by Icehart: Jun 19 2009, 11:23 AM

The cash that he get is totally different from the medical card. It is rider that provides cash benefits whenever you admitted to hospital, ICU, or Surgery. Currently in Prudential, there is 2 types of this rider. So, getting the cheque will not reduce his medical cards limit.

If need more information just give me a pm. Im from Prudential.

Hi, in order to clear up the doubts, let me provide some information.
Well, I am not sure and not convenient to comment on AIA since i am not from AIA.
For ING, that kind of medical card you mentioned may be the type called "Non-cashless", that's why you need to pay up front.
Please request from your agent to select "Cashless" for you in order for you to have free admittance to hospital.

C.o.o.l, he mentioned not just the daily cash, but also surgical.
Surgical cost of 7K is not deductible from the yearly limit/lifetime? I would be very very surprise to be honest..

Yes. There is rider which provide surgical benefits and it is count per surgical. Amount of $ depends on how many units he bought.
There will be actually 3 things:
- Daily hospital
- ICU
- Surgical

For panel hospitals, policyholders don't have to pay deposit provided they are not against certain terms and conditions. For non panel hospitals, policyholders have to pay deposit and claim from AIA later...

I 'm having a very bad impression on AIA.

Recently, our insurance agent to get $$ from us for renewing our policy, his reasoning was that for some reason our credit card wasn't accept. (we deduct our payments via credit card auto deduction usually.)

So we gave him the money end of June. Yesterday, we received a letter from Standard Chartered Bank informing us that payment for AIA has been deducted EARLY June.

We are having 2 problems here.

1) Why did AIA claimed that payment didn't get through, when it was reflected on the Standard Chartered Credit Card bill that payment got through in EARLY june, and when the agent came LATE june, he claimed that payment didn't get through.

We called up the agent today, he rushed down immediately, and push the blame on Standard Chartered. We had already informed him not to use the Standard Chartered bank quite a number of years ago, and this had happened. The last few years it was our CITIBANK card which was being billed to, not Standard Chartered.

2) We had already cancelled and close account with Standard Chartered Bank eons ago, and suddenly they decided to bill us with AIA payment? Standard Chartered Bank excuse was that its because AIA still has the account open.

I'm confused, we had already closed the accounts with them, why did they open JUST because AIA has the account open? If anything, shouldn't it be that AIA come back to us for payment instead?

This is not the first time it had happened.
I'm wondering if there's anywhere I can bring this case up?
Thanks.

Suggest you to call to AIA directly to discuss about this. Do not go through agent on this matters.

At the end of the day, your doctor can say anything, but he does not know what insurance contract it is you signed with your insurance company.

As far as I know standard hospitalisation insurance do not cover maternity/pregnancy. Anyone who tells you it does is BS. Why? Because it is a planned event. Insurance is about protecting unforeseen risks. If pregnancy can cover for hospitalization then every potential mother will sign up a medical plan before they want to get pregnant cuz they know they plan to claim 9 mths later! But you can claim if you have bought a plan that specifically covers female problems that include pregnancy complications. Always look into your contract and know what it is you really signed up for. A good agent will be able to go through it with you. And one that will keep in touch or accessible to advice you well. Most often ppl forget what they buy (even though it is explained, but later forget and jump about when there is a problem).

If you have been misinformed by your agent, or customer service, do make your complaint to the HQ, who can then trace the person (always take their name down) to be reprimanded and/or retrained. The company can then also look into the matter and fix it. There can be many reasons why you couldnt claim, some valid, some not valid, and some borderline cases. Complaining like that without knowing the details and make worse recommendations in comparing AIA medical to IHM only confuses the public. For the very fact that IHM medical is non-guaranteed-renewal, makes it a lesser insurance contract, and therefore cheaper.

What the public need to know is how to be a wiser consumer, and not be confused further by unspecific/vague complaints and bad recommendations based on knee-jerk reactions.

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Added on October 29, 2009, 10:44 pm

Actually, pru's co-insurance starts from 0..i think with a minimumRM300. means every time you admitted, you will have to pay minimumRM300 or 10%. For AIA (I've done a comparison and seen my mum use AIA for a hospital procedure), just get the guaranteed letter and you don't have to pay deposit.

This post has been edited by notsosilly: Oct 29 2009, 10:44 PM