that is pretty messed up, is it legal for them to reject your claim like that since even they already knew about the Raised GGT but proceeded with the coverage with no exclusions in the underwriting?

Like I mentioned before, raised GGT is not a correct indicator for hepatitis, but an indicator for liver damage. Raised GGT can be cause by a lot things. They are rejecting it merely base on a hunch that my mother had hepatitis. This is really ridiculous. IF they found out that my mother indeed had hepatitis base on a hepatitis diagnosis years ago...fair enough, but this is...*my blood pressure is spiking*

Another thing that pisses me royally is that...why it took them 6 months to do investigation??

I'm going for an appeal. If the appeal fail, I'm going for a third party appeal. My agent is no where to be seen and heard. My AIA agent useless. AIA USELESS.

About the GE medical card rule that you need to pay 20% of total cost when you staying at bed and room higher than the entitlement.

The question is,

1.Will you be charged the 20% if you FORCED to stay at the higher room rate when the existing room rate you entitle for is FULL? Which mean its not your own will to stay at more premium room.

My view.
Forceful or not is beyond their control and it doesn't influence the insurance clauses aka the rule still stands.

Yes.

20% rules still apply.

But one of GE claim that it will not be charge if its FORCED case.

http://cforum1.cari.com.my/viewthread.php?...e=2#pid81262576

Any GE agent here?

Hi MNet,

If the room upgrade comes as a forced circumstances such as quarantined wards (SARS etc) then it would not be passed on to the policyholder. If the customer upgrades due to unavailability of their entitlement then there's a leniency of up to RM50, anything beyond that would be subjected to the ruling clause above.

Cheers,

HH

u GE agent?

wat u mean by "lency up to RM50" ?

Policy is RM150 can stay up to RM200 room?

100% will not kene 20% co insurance?

Or its under DISCRETION of insurance company?

Its very grey.

Scary.

Any idea why can't we make complaints bout irresponsible insurance agent? When they sell you the policy, they will be seen everywhere and anywhere. But when you terminate it, they are no where to be seen, not to mention not helping you to get those money you're supposed to get back!

I'm very pissed off, although this incident does not happen to me, but it happened to my fiance. He cancelled the investment scheme policy from XXX, the agent say they will proceed with reimbursement of the remaining money he's eligible to get back. After EIGHT MONTHS.. he still havent receive the cheque. Today, he called XXX main office, the person there told him that the cheque has been sent out to the Muar branch few months back, and is consider expired now (6 months duration of cheque). So, in order to claim back, he will have to write a letter to XXX main branch to ask them to reissue. GOSH.. WHERE IS THE ****ING AGENT?

Sorry for what had happened.
Why don't you go and surrender the policy your own?

I think already surrender, and the payment has been made by main branch. The main problem is no one is doing the following up work and it's my fault to have trusted the agent completely. Do you think it'll work if i write a letter to the main branch, stating the agent in charge and hope that they will take action on her?

Have no comment on the agent's quality.

Hmm, what action you suppose them to take?

As i know, they will only send some sort of warning letter to prevent such case repeating. Maybe they will ask for explanation etc...

Not much discipline action can be taken UNLESS the agent fake the cheque etc...

To surrender policy, I would advise that you just go to the main office, bring your policy, surrender it yourself. Alternatively, you can call Customer Service and ask for procedures...

Once u terminate your policy yourself, trust me, the agent will call you instead, lol...

Thanks all for the help. My fiance has now called the agent, and i think he talked quite rudely to her. She said she will have it done today, as in send the letter to HQ to request the cheque. I will ask my fiance to call the hq on Monday to see if they received the letter and proceed with payment. Sometimes, I'm just too fed up with these agents. When they want you to buy policy, they treat you lunch, dinner, supper.. they even call you every week to ask how are you. Then after you've bought the policy, they suddenly disappear from your life. Why Malaysia still practise using agent? I think Singapore has implemented online system, where you can settle your insurance stuffs online, WITHOUT agents.

i'd buy my own insurance too if i knew how to claim and stuff. heard it's cheaper too. but when got problem where do you even start?

anyone with any experience buying insurance direct? how to you buy, claim, etc. without an agent.

what problem will you encounter?

I think even if you buy yourself, without an agent, the insurance company wont rebate you those commision. And if you were to be an agent yourself, you need minimum policies per year so that you can continue drawing commisions from your previous deals.

Those are the info i get when i almost became an insurance agent.

Just a kind note to all those who are not agents. pls allow the experts to provide the actual opinion else if u r not lazy just call any random life insurance company n let the customer service assist you.

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Added on December 3, 2010, 2:15 pmu can report them to LIAM NAMLIFA or BANK NEGARA or to the Insurance Company it self

This post has been edited by coolpajames: Dec 3 2010, 02:15 PM

It's the same for every other insurance and takaful. Explanation below.

Likely ran into this exclusion in the policy. May not be word for word accurate, but same policy practices by everybody. Lifted this from my daughter's policy contract. (Old Policy from my former company).

Pre-Existing Condition

Will not pay for any benefit directly or indirectly from a pre-existing condition if such condition was not disclosed in the proposal form.

Disabilities that the Person Covered has reasonable knowledge of. A Person Covered may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which :-

a) The Person Covered had received or is receiving treatment.
b) medical advice, diagnosis, care or treatment has been recommended.
c) clear and distinct symptoms are or were evident; or
d) its existance would have been apparent to a reasonable person in the circumstance.

Most likely rejected due to B. Was the Raised GGT levels declared when you sign up the policy? Because that's the only way the insurance company would order an investigation on this during medical check-ups. Most probably the claims guy took one look and the raised GGT and connected it to the Hep C (Since both center on the liver).


Because they were doing a very thorough check on the background. Asking clinics near house, or any other hospitals nearby your house.


If it's not written, get one that's written. Don't just blindly trust what your agent is saying. Including me, since I am one too.


Did you cancel through your agent? Cheques are normally posted direct to your address, unless you specify that you are getting it from your agent. Sometimes, the insurance company also didn't inform the agent that the client cancelled the policy, hence some agents having no idea that you expect a cheque to be sent by them.

Anyone buy tokio marine PA?

i have a dilemma, i took XX life insurance pay for RM200 per month ( starting 2007) this cover only if i'm dead ... and if i live up till 2027 , i'll most likely get around 40K++ . If i got illness , the insurance only cover me RM50.00 ( ), now i am confuse :-

1. should i stop this insurance (75% only can be claim)
, took another insurance which cover medical ....
am going 30 next year
2. still pursue this insurance and get another medical insurannce that can
cover me for medical purposes .. RM50 per night??? sound ridiculous

* i took life insurance policy , only after 4 years can terminate the contract and get 75% back

Just bought it last week.