Hi thank you guys for the reply.

I have actually read the policy thoroughly after the incident.

According to the policy, the waiting period for the medical card to be fully functional is only 30 days. But I remember the agent however advised to wait until 6 months before using the card, and my case here is after 11months, and hence I feel that it shouldnt cause a problem at all.

The agent, at the time of admission, was out of country and I was unable to contact her. But later after she came back, I have called her and explained the situation. But she seems not really bothered about it, and she was giving all kind of excuses  that she is not feeling well, hence she could not visit my house or the insurance office at the moment. Now I learnt the ugly truth, that some insurance agents are has two face, being nice when they ask us to sign up, but after tat they just ignored us. So please be extra careful when an insurance agent approach you, even when its your friend. Learn from me.

And actually, I have also submitted my complaint to BNM. But the officer at BNM hinted me that most of the time, the client will not get back the premium in cases like this. I was more upset when I heard this. It is very clear that the insurance is being unfair, giving thousands of reasons to decline the GL, yet the BNM officer still saying that like the GL is a value added service and its not a guarantee. Yes I agree, but shouldnt there be a good reason to decline the benefit? How can they can decline the benefit only based on their stupid assumptions. They didnt validate anything, its all only speculation.

This is why I am planning to sue the insurance company as my next step. Appreciate if anybody could point me in the right direction, to find a law firm with minimal consultation and legal fee. I just need my premium back. And to inform as much as people as I can, that Great Eastern Medical Insurance and their customer service sucks. My personal advice, please dont buy medical insurance from this company.    

Hi all you there, Just for your infomation only,  You need to be carefully especially MAAKL MUTUAL BERHAD. They (UTC) were allowed to practise switch between funds to collect the dividend. When dividend collected then switching to other fund to collect the dividend so the dividend payout of a fund will dilute the fund price (switching will cost the investors).

FIMM also said it is allowed as it will avoid the timing risk. I am really speechless and I think they have lacked at all.

They (UTC) also recommended anyone buying "unapproved product". You will be the next victim so.. FIMM, Securities commission and MAAKL MUTUAL BERHAD said not responsible at all. SO Carefully ya.. OK

Hi, i just go through all the pages.

For me, insurance is really important. Sorry to say that i am not an agent. i am already married and have one baby boy. after my baby born, i immediately take a policy for my lovely child. This is how every father need to do. So all of us covered by insurance. i take early policy for my child because when he grow up, he already have a saving that can be used for his further study.

Please everyone, your lovely car can be insurance and why yourself cannot?

*apologies for my bad english

Currently going through the claim process for my sis who is suffering from leukemia.

The claim process went smooth all the way with Prudential but when come to GE, I must agree it is terrible.

We submit totally same batch documents for the claim, and Prudential released the fund in 3 weeks time, but GE took 3 weeks just to go through all document and sent the physical letter to the address which is in my hometown that far away , to us telling us what document needed.

Approached the service agent, but service agent can't also tell us what doc needed as she cannot access the info.
Hello GE, pls improve!

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.