Actually not really. Once I claim from airasia cause for damaged for my bag. Repairs cost rm100. They cover rm50 only. Saying something is their policy of minus rm50 from the claim. Like that also can.

If you tell me that's not cheating then I don't know what is it. Only coveting half when padahal expect them to cover completely.

But as you said, buy insurance only if you cannot cover your networth and to protect the provider family.

Read through the thing. They didn't mentioned anything about rm50. I asked them (email) they told me you take the money or you don't take the money. You don't sign the paper, you won't get any money. You signed, you get only rm50. So if they want to play like that next time. I can play like that also. Ask the shop to write in the receipt next time for extra RM150.

If buying a cheap PA and they don't want to pay upon death, then it's cheating also what. As a PA is meant to cover usually natural, accident death. Am I not right? You pay higher premiums if you want larger amounts, and it to cover more areas.

This post has been edited by Ramjade: Jan 2 2016, 10:39 AM

Because that insurance company is not located in malaysia. I flew from X country. The insurance company in relationship with airasia who paid me and send those emails are from X country. Complained to airasia malaysia, no email response until today. Forget about it. Now I learnt a lesson from insurance companies. Make sure your claim is slightly higher or else one will rugi.

Sorry. My bet. I thought PA = personal assurance = life insurance.