I am very frustrated and angry with Great Eastern Insurance Company.     

A month ago, I brought my mother for treatment to Sime Darby Medical Center, as my mother was experiencing PR bleeding (bleeding when she goes to toilet) and stomach pain for 3 days continuously. The doctor has stated the illness as "Colitis", and has urged my mother to be admitted and undergo endoscope and other necessary treatments ASAP.

But, to my shock, Great Eastern has declined the admission Guarantee Letter (GL) . When I called their customer service asking for the reason, they were giving many reasons such as my mother is a new customer (11 months old), no sufficient information,  they suspect this might a pre-existing illness and many more. After numerous phone calls, I was still not able to understand on what basis or exclusion term they have declined the guarantee letter. They are just guessing that it could be this or that or this, and based on that, they are declining me my benefits. When I asked them to justify and validate their speculation, they said they will need to investigate and that will take approx 2 to 3 months. How could a patient wait for 3 months? Are they out of their mind?

The next day I brought my mother to Selayang Gvt Hopt for treatment.

Then, I have submitted an formal written complaint to the insurance company, and they responded, giving me the same biased reasons, which I am not willing to accept. I feel cheated by this company and I have lost my trust in this company. They are giving many invalid reasons to deny GL for a genuine case. I have asked to terminate my mother's policy, and full refund of the premiums that I paid, but they resisted on that.
I am thinking of taking legal action against this company, if its posibble. Hence, I would like to get advice if the case can be fought in court, and what are the chances of winning.

Please help. I feel that this company is cheating me.  Despite my mother being a medical insurance holder, I still had to bring her to government hosp where the waiting list for treatment is longer. They are taking my money, but not giving me what I deserve.They are not being fair. I want justice. Please advice.

Thank you.

I am paying rm 310/month for my medical ins & invesment link. I am thinking to terminate those policies because I'm in urgent need to save up more money. I need to move my business to new location so i need speed cash. My investment will only come to maturity in another 15 yrs. About medical, paying for insurance is easy, but claiming back is hard due to all the rubbish excuses this & that. Most of the ins agent can drive luxurious cars thanks to people's premium paid by their hard sweaty money. The economy is getting very slow doesn't look promising in the soonest time. Many shops are closing down due to lack of business chances. My shop at current location, doesn't really support my life expenses. & I'm not the kaki shopping or clubbing type also, still not enough money use. Where got extra money for ins? The ins company actually "borrowing" our premium to invest on other business also, just they way they persuade us to buy making us feel like it's prone to health. My policies already more than 5 yrs. With the economy getting weak, i feel rather safer keep my money with me than giving them luxurious life. Besides if really illness/injuries come up will it be as easy to claim. When my agents try to psycho me into buy/upgrade plan they always come to my shop & be my customer. After i buy and paid for quite some time, they started get away from me & eventually become "not-my-customer". Every month paid sure will have receipt, he waited to kumpul 2,3 receipts together only send me. Basicallyi have to wait half years to get my payment receipts as proof. I feel like what the f**k, u wan me buy u always come to me, after getting wat u wan u do like turtle-speed. Im losing bit by bit confidence in insurance. Better my money stays with me than making those agents rich. To send my receipts to me doesn't even cost 5km trip.