Well, when you are not facing any problem yet, you can laugh at me, but once you face the same problem like me, you will know how I feel during that time.

Sorry ah. I am really trying to understand what you are facing and what denied happened.

Could you please elaborate chronologically?

Denial of claim for operation, policy stated clearly can claim but on actual they use : too many fraud claims that's why it is removed.

Sorry but because its too vague, i cant comment.

Best to open your policy again and reach out to the agent that you got it from and the company.

Is there any trustworthy agents that's based in JB?

Well, before I sign up, the agent says it can be claimed, but when I need to claim, he said too many fraud claims.
This is why an agent must know which company you are buying so that he can directly point that out and cheat you.

Sure will have, if he will be sacked next month due to cannot hit any target at all by honestly telling victims that almost any claim can be overruled by 1 denial claim clause.

[quote=supersound,Apr 9 2016, 11:59 PM]
[QUOTE]Well, before I sign up, the agent says it can be claimed, but when I need to claim, he said too many fraud claims.
[/quote]

Mind to share what were the claim or under what circumstances your claim being reject in here or pm me...you have raised my curiosity ..

Circumcision, Prudential policy few years back do accept this claim, infact it is seperated from other claims, stated clearly as long as you are doing it due to medical reason, it will be approved, that's the reason why I change from GE to Prudential. But when I needed to claim, the same jerk said it is not allowed anymore. That's why he is still driving a 30 years old Saga when he is working but when not working a Merc S-class

What a....since when that can claim? :/ Never as I know since 2010. One thing that I know prudential medical policy do not accept claim for new method of surgery for severe sickness and do not include equipments such as pacemaker.

Why nobody discuss about Allianz Insurance here

Not TOP 3 insurance company, maybe.
AIA Pru GE

No agent here to cari makan, so no discussion.

AIA is still the best eh? Top in terms of what? like plan and etc.? just want to know more before I make a decision..

Top in overall =)

Overall top not Prudential meh?
It seems last year was
1. Pru
2. GE
3. AIA

This post has been edited by aarondotcom89: Apr 11 2016, 03:21 PM

So many criteria to decide insurance plans:

1. Product Feature & Coverage
2. Premium rate
3. Claims Service
4. Agent's Professionalism
5. Insurance Company Financial Strength

Agreed

GE do not have Portfolio Withdrawal Clause.

Total Agency distribution Channel First year Premium market share
1)GE
2)Pru
3)AIA

Most of the plan are very similar, you can't get the best out of all. Just get one that among the best 3 choices. Example:
Let's say.
Company A
1. Product Feature & Coverage, number 1
2. Premium rate, number 3
3. Claims Service, number 2
4. Agent's Professionalism, number 1
5. Insurance Company Financial Strength, number 3

Better than

1. Product Feature & Coverage, number 1
2. Premium rate, number 1
3. Claims Service, number 1
4. Agent's Professionalism, number 6
5. Insurance Company Financial Strength, number 1

Haha.....I like the example above on Agent's professionalism.....for me, as a consumer of any financial products, the consumer got to learn up and know what they are buying. We can only manage what we know, it is difficult to manage how Agent will service us either now or in future.

Claims service is also very important because if the company do not have strong and experience claims assessors, your claim will be investigated when it can be paid right away resulting in much delay and bad service.