Thanks for the prompt reply!

For 2:-
$100,000, is this sufficient for any operation and hospitalization, I mean for the current medical trend in Malaysia now?

For 4 & 5:-
How do I find the rider portion in my policy? Is the 'investment-linked' portion's the rider? I'm just thinking if there's anything other that the medical benefits and IL portion, I thought of taking out (hopefully can decrease my premium a little)

My current servicing GE agent haven't been turning up lately. I do some spend some time on the phone with him on asking him to explain my policy, but the explanation didn't really drill into my head. Plus, my credit card for auto-debit expired, I wanted to meet him up so that he could help me update my credit card details...he hasn't called / turned up yet...=.=;

-- Z Yuan

After long waiting and delayed lame excuses from my imbecile agent, I manage to find out status of my mom's claim. I manage to get insider info from my brother-in-law's agent (from GE, he know the guys working in AIA claim dept.) to probe and get the answer from claim department.

The claim is REJECTED.

THANK F*CK YOU VERY MUCH, AIA. AFTER LETTING ME WAIT FOR 6 MONTHS.

From what the claim department said, they reject the claim because of the Raised GGT levels found in the blood test that was done in 2006. From what I research, raised GGT is not a definite indicator of hepatitis, but an indicator of liver damage (they are a couple of reasons that cause this).

I will chase for an official reply from AIA AND I'm going to go for appeal. If there was a problem with my mother's blood test 4 years ago, the doc could have probe further that time.

My guest is correct when they are working on speculative facts to reject my mother's claim. This AIA is the MOST F*CKED UP insurance company that I've come across...SAME GOES FOR THIS AGENT 'FRIEND' OF MINE.

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.

A few noobie Q's:

[1] Does PA cover only total loss of use, or also covers injury that can be treated, e.g. broken bone

[2] Is there any worldwide travel policy that also covers while at home?

[3] Can such as above be purchased on-line?

111