So kind of you Mr. Roy. I feel pai seah asking other agent for help bcoz they did not earn any commissions from my policy . My current agent has limited knowledge. His education background is not good. So I don't want to bother him. Usually I will call customer service or walk-in to the counter. So far so good.

Allow me to share my experience here about these 3 insurance companies - -  Prudential, Great Eastern, HLA.

My GE agent sudah lari. Policy auto switch to upline. But the new agent nowhere can be found. Had sent a complaint letter to GE head office and requesting for changing a new agent. Until now almost a month but no news yet despite numerous follow up with email and phone call. I feel regretted buying insurance from this company. I should have listened to my friends that this company is not so good. The reason I sign up GE policy is because back in year 2010. This is the only company in Malaysia offering smart early payout for critical illness. Now thinking to cancel this policy and switch to other insurers but feel sayang coz already served for a few years. Each year the premium is Rm4200. Last 2 days walk-in to customer service counter to enquire about premium reduction if cancel SM200. They cannot offer me an answer coz they don't have the software (how come HLA can do it but GE can't?). Instead, asking me to contact my servicing agent but she is MIA. I don't have an agent to contact for almost 6 months... really pek chek. However, there is some good things about this company. I personally like the e-connect where customer is able to check the detail of the policy via Internet login.

HLA - no issue with the claims. But lousy computer system. During the system migration, there was a system glitch and causing my credit card auto debit cannot get thru. Have to use manual work. After few months of complaint, they finally cancel my old policy and reissue me a new policy number. When I told them I have doubt on the cash value. They ask me to provide the yearly statements for checking as they can't trace from their end. Wah lau.....how many of you would keep the yearly account statements? This aren't the one for income tax submission.

Prudential - my first policy since 1997. Processing for claims and unit trust redemption are very fast. No issue at all. Great customer service. But the insurance charges rate is little higher as compared to competitors. How I wish I cud monitor my policy online like GE.

i wonder if the case like this and pass to new agent , new agent still earn comm ? or not so they demotivated to deal with you ? 

Bos, friend is friend, Prudential or not Prudential, please pay thru credit card, auto debit, online transfer to be on the safe side.

Our job is not to be along and collect premium. You want us to be efficient in collecting premiums or efficient in claims?

U pay cash to your friend?

Mind to PM me which HLA agency that had system issue? Thanks

My GE agent sudah lari. Policy auto switch to upline. But the new agent nowhere can be found. Had sent a complaint letter to GE head office and requesting for changing a new agent. Until now almost a month but no news yet despite numerous follow up with email and phone call. I feel regretted buying insurance from this company. I should have listened to my friends that this company is not so good. The reason I sign up GE policy is because back in year 2010. This is the only company in Malaysia offering smart early payout for critical illness. Now thinking to cancel this policy and switch to other insurers but feel sayang coz already served for a few years. Each year the premium is Rm4200. Last 2 days walk-in to customer service counter to enquire about premium reduction if cancel SM200. They cannot offer me an answer coz they don't have the software (how come HLA can do it but GE can't?). Instead, asking me to contact my servicing agent but she is MIA. I don't have an agent to contact for almost 6 months... really pek chek. However, there is some good things about this company. I personally like the e-connect where customer is able to check the detail of the policy via Internet login.

could not afford to pay, i have house to pay,bills and so on. 300 for Ge and 200 for Prudential. The agent are quite busy and sometimes 2,3 months din collect premium but come at one time lump sum, also the receipt are sometimes there sometimes not there. asked for auto debit till now no news. that why it is hassle for me, better use prudential coz my fren taking care of it.

i wonder if the case like this and pass to new agent , new agent still earn comm ? or not so they demotivated to deal with you ? 

Bos, friend is friend, Prudential or not Prudential, please pay thru credit card, auto debit, online transfer to be on the safe side.

Our job is not to be along and collect premium. You want us to be efficient in collecting premiums or efficient in claims?

efficient in claims? boss i think if cancel off GE after paid two years, am i dumb? 

Always reflect at why you get the second medical card in the first place. Your coverage is NOT with the agent but rather with the insurance company. You kena tepuk dada tanya selera on what to do with it.

Yes we have to be efficient in claims so that the client claims are not delayed. But if the agent runs around collecting premium that leaves the agent lesser time to process the claims.

About 7 years ago, I noticed that there is one small gland near my left cheek. I scared there is anything dangerous. Then I went to general hospital to consult ear nose throat (ENT) specialist. After checking the fluids from the gland and done CT scan, the doctor said it is nothing, she said it it optional for me to remove it, she said it is some sort of extra fluids over there which is not harmful to me. Now the gland is still there, and I feel nothing with it. Until recently I am planning to buy a medical insurance from GE, after the investigation from the underwriter, they can offer me the insurance but they have to put that as an exclusion. I am not sure whether they have obtained the medical report from the previous hospital. The agent said they will appeal to see whether can ask me to go for a medical check up for the gland, if seems ok, then they can include that in the coverage. But underwriter didn't allow the request. So what should I do? Do I have to accept the insurance with exclusion? Or can I try to buy the insurace from another company such as prudential, to see whether they can accept it together with the gland which seems like nothing to me? I hope you guys can give me a proper opinion and suggestion as this will be my first insurance and I do not want to screw it up   Thanks.

After I wrote-in to GE head office, at last my servicing agent was successfully changed to my preferred choice (different agencies) together with the agent commissions being transferred as I insisted .

Thinking of keeping my GE policy as the premium is reasonable with the following benefits:
IL CIBR (36 CI) - 200k
SEPCC (early payout for CI) - 200k
SM200 (medic card)
IL HB (hospitalisation benefits) - 200
IL PWE (premium waiver)  - 4200

My next attained age is 36. Should I add SME200 due to hike of hospital R&B?
Hi GE agents out there, may I know the daily meals are categorised as "Hospital Supplies & Services"  or under 'Room & Board'? Thank you!

I'm 24 this year and need a medical card with coverage to 36 diseases, any plan to intro? I'm having my eyes into Great Easthern, what do you guys think?

I'd recommend you to add SME because it's cheap, what's your new agent's comment on your question regarding the daily meal?

He said it should be under room & board. My Prudential PMM3 has Rm300 R&B. Daily meals are under "In-Hospital & Related Service Benefit (as charged)". It is clearly stated in the policy contract.

I just read through the GE policy contract. OMG.... accommodation and meals are under R&B

Yeap, it's under R&B, why do you OMG?

Coz Rm200 R&B sure not enough for 2 bedded room in Penang private hospitals 
I think the daily meal for most of the old medic card is not under R&B. So the benefits are much more better albeit the lifetime limit is low.

Now I believe "what you pay is what you get".