Meaning your GL application is missing a report.
Usually this would mean a report from the doctor with the diagnosis and suggested course of treatment.

It can't be helped as this is the procedures that can only be carried out by the doctor and the hospital staff.

Basically give the doctor roughly an hour or two to prepare the report, not that the doctor doesn't want to issue the report, but rather he has more than 1 patient to attend to.

My experience at the hospitals that I can share with all here:

The best thing to do is to constantly follow up with the hospital staff to make sure that they are doing their job.
Yes, we are "customers" and we lack patience (lol pun intended), but there are others who are fighting for their lives.

So let's cut them some slack, we can wait an hour or two.

Are you planning to migrate to Singapore? Or move to Singapore permanently?

Then you should continue your current insurance plan.
You can choose to stop, and then reapply when you get back to Malaysia.
However, bear in mind that when you reapply, you will be treated as a new case and go through a full medical underwriting.

For the time that you spend working in Singapore as an expat, your employer is bound by law to provide you with a health insurance benefit. Perhaps you want to check with the hiring HR about your health insurance benefits?
Besides, do remember that your employment benefit ends together with your term of employment.
Your personal insurance sticks with you forever.
As long as you come back to Malaysia for treatment, your personal insurance is effective the moment you step onto Malaysian soil.

Yes there is.
However there is no such thing as change to this plan then at a later date change back.
You technically can, but you go through the medical underwriting each time you change from one plan to another.

Long story short: unless you plan to migrate there, otherwise it is wise to keep your health insurance active in Malaysia.

Bro... there is an option to change servicing agent bro...

Got Nike, got Adidas, got Puma, got Reebok... actually which one has the best running shoes?

Your servicing agent should know you better than all of us here.

My best advice: check back with your servicing agent.

Let's lay out the facts:

1. You want to get a better medical insurance coverage.
2. Your servicing agent brought you a rookie agent.
3. According to rookie agent, no upgrade, only buy new policy.
4. All of us here are telling you you can upgrade from your old ILP policy.

So what I want you to do now is very simple:
1) Between 9am - 5:30pm (Mon-Fri), go to any AIA branch.
2) Tell the customer service that you want to upgrade to APM + APMB Plan 150.
3) Prepare your credit card/cash/cheque to make payment.

Or you can do this:
1) Contact any AIA agents here.

What's not important here is who gets the commission.
As long as you get what you want, why does it matter? Your agent is clearly koyak and the rookie agent equally koyak too!
You can change a servicing agent, lifebalance or myself can help you get what you want, it's not an issue to us at all.
Janji you get what you want.

This post has been edited by JIUHWEI: Dec 6 2016, 06:28 PM

AIA medical card with platinum hospital facilities sounds ideal.

Friend, I applaud you for sticking to your friend.
I also really respect you that you trust your friend and support him/her to grow together with you for many years to come.
For you, he is the kind of friend you want to keep for life.
For him/her, I believe you are that friend too.

I want to appeal to you to go one step further to trust his/her advise and proposal to you.
There are many agents on this forum like me who wish to seek for business.
I believe your friend, an insurance agent just like me, really appreciates your support for him/her.
At the same time, just like how you are learning new things everyday in your career, he/she is too.

Now I grew up in an agency office. My whole family business is insurance.
If I told you I have learned everything there is about insurance, I am lying to you.
I am still learning new things everyday just because I am doing my job diligently everyday.

With that said, I believe as a form of respect to your friend, maybe you can suggest to meet with his agency leader to get to know his/her agency better, or maybe you can ask him these questions that you are asking here.
Otherwise, with all the different agents here slapping your friend's proposal to you left right and center, I feel that it is very unfair to your friend simply because your friend is the one that knows you best!

All the agents here can only go as far as to hint you "there is a cheaper option with me" or in other words "I'm cheap" to lure you over. Simply because we don't know you.
We don't know what you want, we don't know what you need, we don't know where you want to go, we don't know what is the difference between a 100k and a million life sum assured is to you, but we know everybody is trying to get something extra, we know everybody is just as Harry Markowitz described.
To all the agents here, you're just a username "violetlace". We don't even know your name.

If my two cents is of any worth, I encourage you to engage your friend telling him/her "hey, got some time for me? I have a lot of questions that I would like to ask you before committing."
If you're my friend and you call me with that sentence, i tell you... my feeling betul-betul !!
I would feel respected.

This post has been edited by JIUHWEI: Jan 2 2017, 12:46 PM

What are your main concerns with buying a new policy to compliment your existing coverage?

I am of the same opinion as your agent.
In fact, I doubt that you can get a lower quote for the same features and benefits of your current policy for the same 100k coverage.
Simply because we have aged.
If you were to approach me, I would also advice you to keep your existing policy simply because it is in your best interest.

100k is really very low as what you say. You are definitely heading in the right direction with the thought of acquiring a higher coverage.
However, I highly doubt an extra 50,000 is anything meaningful to you. In fact, I think it is better for you to forget about adding if you're only thinking about 50,000 extra. It is not significant and it doesn't add much to your coverage. Waste of time, if you ask me.
I do not intend to sound arrogant, but rather just giving my honest opinion.

I would implore you to consider for your new Critical Illness policy:
1) >RM250,000 sum insured (this will bring your whole CI coverage to RM350,000)
2) Early CI coverage (instead of just focusing on how much it covers, perhaps you want to consider HOW it covers you)
3) Age of policy maturity


All the best bro.

I couldn't have said it better myself.

Spot on!

Hi, I have some experience dealing with this.

Plot:
1. Patient paid via credit card, and then passed me all the receipts to file for a claim.
2. I collected, checked through the documents and filed a complete claim.
3. Claim cheque issued, RM1800 less.
4. Called the claims dept for verification, reason being: unnecessary charges by doctor.
5. Called the hospital billing dept & the doctor's clinic.
6. Hospital took action and reversed the RM1800 to the patient credit card the next month.

I hope this is similar to the scenario you described and this info is helpful to you.


Your policy contract is a legally binding document between you and your insurer.
I don't know about other insurers, but so far no such issue with AIA & AIA Public Takaful. Any and all disputes can be appealed, and you may also contact the Financial Mediation Bureau for help. All services rendered by the FMB are free of charge. AIA will also provide you with the FMB contact details for any disputes.

Perhaps you want to download our AIA Locator app that is found on both the App Store and also on Google Play Store.
The app will direct you to all the right hospitals and also provide you with details such as the address, phone number, room rates, and what benefits you can enjoy as an AIA member, such as a deposit waiver.

I encourage you to download it even if you're not an AIA member! At the very least, you get to the right hospitals, with GPS guidance too.

I believe I was very straight forward with my answers to both Mnet and to you.
How have I made the picture more blur?
If you would be so kind to explain.

If you would like, I am more than happy to straighten your case for you.
I trust that my team and I are more than capable to handle your case.
However confusing it may be, we accept the challenge.

You may PM me and we will work from there.

Err... Frankly cannot pass with those readings.
It's very high. Between 5-6mmol still can squeeze it through, but 7 is
I don't mean to be rude, just being upfront.

Group insurance is very different from individual life insurance bro.

Roystevenung is a very senior agent and on this subject matter, he is doing his best to guide you in the right direction.

I'm sorry sir, you will not be accepted for life insurance underwriting with that blood glucose reading.
Perhaps you would consider PRS? It is not a life insurance, but it shares some of the features such as a tax relief of RM3,000, and the payout to your next of kin is quick and creditor proof.
Perhaps you may want to explore into PRS?
Here's an overview: http://www.ppa.my/prs/about-prs/overview/
And here's a bit more info: http://www.ppa.my/prs/about-prs/prs-scheme-features/

There is no medical underwriting required for PRS, but it locks your money in till retirement at age 55.

He's not an insurance agent... But to be fair, adele123 is very very knowledgeable.
Frankly he is not wrong as well.

The strict rules on ethics and conduct applies to us, not the consumer & general public.
Relax bro, don't be too uptight sometimes.

Hey guys, what comes to mind about a life insurance policy with a sum assured of 1mil and up?

Would that be something you would consider?

Or just simply what is your opinion about a life insurance policy with a high sum insured?