opss maybe i gave wrong question. wat i need to know is not the enforcement waiting period but the time from application+payment till approval+receive policy
p/s- is there any insurance company with bad reputation in malaysia? just wan to know 

it's not recomended to buy insurance from Bank.... who is going to service u, when there is a problems....

who will be the 1st appear in front of u? bank? no no no ...

but insurance agent will....

why we need a gud agents when buying insurans? doesn't our relationship just goes after we receive the medical card. anything happen we just contact the centre and no need to call through the agent. am i correct? or should keep in touch with the agent

A couple of questions -

Is it possible to get a policy that will cover everything (disability, dead, illness, and such) and yet, gives back an amount of money in the end of 20 years? I'm not sure how much they usually gives back after the 20 years, would appreciate it if I could get some ideas (assumingly I pay RM200 a month).

I'm new to insurance policies and prefer to get some ideas on the type of policy that I wish to get. If the questions were answered before, my apologies and I will delete this post - I can't go through each pages for this thread right now. Thanks-

wat? making claim also through agent? i though onli call the centre directly. then dis is absolutely a problem for me. my agent is ****

cannot submit myself ehh?

a malaysian company. the agent's name is miss ***  after filled in application form and made payment, the agent just invisible till now. everytime i call her and ask the status, she said she will call be back. after 2 weeks and after 4 times promise to return my call, its never happen. fedup already then i call the centre directly. luckily she didnt makan my duit. but i dont know wether to proceed with dis kompeni. if bad agent wont affect the company's service to me, then i think its not a prob. but if i need to berurusan through the agent, then it should alarm something 

pay by credit card for whole one year. cannot transfer the commision to new agent ehh?
medical card is cashless. need to make claim also eh? i thought it just like credit card, just need to swipe then everything setel. no need to claim. is it?

just want to know ur side story. do u will help all ur client when the commit to hospital? how if ur client far from u let say from other state?

just want to know ur side story. do u will help all ur client when the commit to hospital? how if ur client far from u let say from other state?

the status is i'm still in the dark and she never contact me 

i realise there r couple of insurance company that is onli agent to others insurance company. i mean insurance (medical card) from ambank, maa and, allianz, rhb and so on actually are under mediexpress. so is there any difference when we compare these insurance with insurance company that are on their own let say ing, aia and others? from my comparison, the benefit for insurance under mediexpress is higher but how about convenience? is it more complicated since it involve two party? and when we make a claim, actually we do it through the company we paid or directly to the mediexpress?

thanks..

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Added on February 5, 2007, 5:53 pmohhh one more thing..

if i want to terminate the policy within the waiting period, how would they refund my money? bank in directly to my bank account or give a check through my agent?

terminate? yeah sort of..

well seems dis topic becomes ours. hope others forumer don mind  neway thanks for spend ur time for me