Hi. I thought of taking UMR (ultra medic rider) from etiqa. When i read the brochure it stated there: exclusions no 11) which is-

War or any act of war, declared or undeclared, criminal or terrorist activity, ACTIVE DUTY IN ANY OF THE ARM FORCES, direct participant in strikes, riots and civil commotion or insurrection.

I am working in arm forces. When i told my agent about this, she replied:
Sir, tht is industrial practice. Must print in brochure as per bank negara requirement. If etiqa really didnt paid any claim, they will not accept any armed forces customers. And she mention tht etiqa has paid to families who has involved in lahad datu incident(armed foces)


So, i took initiative and call bank negara. They told me, yes, what written in brochure is true.
So, this agent is terang-terang try to con me rite?