at some point insurance company really does their job.. i think we shouldn't flame that they 100% not protecting or totally not giving benefits to ppl..

bro, you can ignore that supersound le, he's hardcore anti-insurance 1, he will even shoot the moon down from the orbit to tell you that insurance is useless because he kena con 24/7 by all insurance agent.

numerous of cases i saw from my relatives to friends, who admitted to hospital regardless of small case like dengue/removal of tiny stone, or big case like cancer, luckily they had medical card to pay off the bills.. cases like cancer insurance company did pay out the CI benefits..

good to hear that, thanks for spreading some good stories

bad story was like somebody didn't include medical coverage but only bought savings/life.. when come to hospitalization and not able to claim then blame insurance company or agent didn't include medical benefits..

wow that's a big mistake. Should have done some policy review and emphasize the importance of the medical card.

Fully agree on this, they really work very hard until out of excuse only approve a claim.

Well, I've seen people with medical cards that can only stay in subsidized private hospital as they only start paying for the policy. These fellow were lucky because Seremban still have a such hospital.

For the benefit of all our brothers and sisters here on LYN,

Please, I beg you to reveal the hospital that has such a practice.

Private hospitals in Seremban are not much, so is you as an agent to resolve the matter and not trying to deny the claim, just because your luxurious vacation are not being paid yet.

I think from now onwards, all his claims against insurance malpractice has to be proven with the receipt or letter officially stating what he claims, otherwise, he's just a bag of wind.

Just ignore him.
I just like to provoke him with his nonsense.

Then it shouldn't be a problem for you to remember the hospital's name isn't it?

I will be more than happy to handle your claims. Just hand me your original receipts, your policy booklet, and medical reports.
If it's a legit case, I'll get it through and you'll get your claim cheque.

Agents do not decide if your claims are approved.
Whether or not our "luxurious vacations" are paid or not, it doesn't affect any claims whatsoever.
Langsung tidak kena-mengena.

It's as if you're saying
"My nose is bleeding because the ice-cream was white."

Does it make any sense?
Or are you done making a fool out of yourself?

Well, I know that you trying to fish me, so that you can ask your company to sue me, I'm not as stupid like you think. 3 times get cheated is good enough for me to conclude insurance agent cheats to earn luxury living.
And I spend 3 days doing charity in that hospital, so i know how is telling the fact, who is cheating. But i know insurance agent like you won't tell facts as far as I know

Then hand all of us here the claims which are rightly claimable but not honored. I believe many here can contribute in helping you sue whichever insurance company it is.

Thank you for your charitable efforts. The local community in Seremban is forever indebted to you.

Well, so many here have been providing very good, factual information for all, creating a good competitive environment for those seeking help to compare.
Even God cannot help you if you don't help yourself and keep rejecting God.

Well, I do see there's difference between that 3 agents that cheated me and agents like you that trying to cheat, obviously, you are still in the learning stage while they already in higher level. Because they never bother to cheat in forums while you are still trying.
Like you say, most are "new joiners" asking questions while agents do the general answers. So how true is insurance does help I'm sure victims will know.

supersound, i think you must have had very bad past experience, but shouldn't blame the whole insurance industry. just my 2c.

Yup, you are right, blame the agent that cheated me. But is agent sell policy, not company.
So if I buy now and I got cheated, if you can cover my lost, I'll on the spot buy.

i think everyone may want to know how you were being cheated, moreover 3 times. can use them as case studies.

hello people,
I'm in mid 20s. two agents approached me with two different proposals, respectively
Agent 1:
-Death 80k(99yr)+TPD 80k(70yr)+CI 80k(99yr)+AL=990K +Investment
RM200 per month very straight forward.

Agent 2:
Suggest buy medical-investment linked, buy another life insurance standalone(traditional)
Medical linked investment=1.9k per annum
Life insurance itself=800 per annum
RM225 per month

Why buy separate? Pay life insurance rm800 for entire life, CI value increases.

Investment linked plan (from agent 1) price will be reviewed and thus increases when i get older, life insurance incorporated in it will be more expensive.



Which is reasonable?

This post has been edited by bettachick: Mar 8 2016, 07:10 PM