Insurance company are tricky but yet all the terms stated inside the policy and none of them are hidden.
Insurance company hired agents to sell are assuming that they had understood what is stated and delivered to the customer
Somehow this world is quite realistic, everybody work hard for money and I do realized that a lot of agents in Malaysia are using "All you can claim" method to earn cases

I had plenty of so called "cheated" scenario that I can share with you all as below
Notes : I named a person called Mark

1) Mark bought a CI protection policy for RM500,000
- he found out he got nose cancer last stage
- he die after 2 weeks from the time he get diagnosed with cancer
- he can't claim the insurance , the family get rage and felt cheated
Reason : The policy he bought covered and pay the claim only after 30 days from the date he diagnosed with cancer
Workaround : Agent did highlight this important terms in the policy , the family accept it but nothing they can do with it anyway
Lesson learn : Mark concerned about his health , that's why he bought the policy but he also concern about the money he pay so he prefer to buy cheaper CI protection where it comes with terms and confidently think that he can survive that 30 days and seems like GOD not granting his wish

2) Mark bought a Life + Accident protection policy
- he had an accident causing him losing 1 leg
- he considered OKU as he no longer able to walk anymore
- Insurance company only pay certain % from the total amount of protection he bought and he is so unhappy and felt cheated
Reason : Only TPD and death will pay full from the total amount he bought
Workaround : Irresponsible agent do not explain to him regarding the terms of TPD , he bought it because he thinks that everything will be covered promptly
Lesson learn : Rather than putting our fate to the agent , we as buyer should also learn and understand some basic insurance knowledge. We only got one chance to live, don't risk it and put all the chips on an agent's hand.

3) Mark bought few policy but due to oversea travelling, he hardly to pay premium on time
- he got few cases lapsed due to delay payment
- he revived the cases after half year back from oversea
- After few weeks , he got denggi and being admitted
- He can't claim his insurance because he is not passing the waiting period , he hate insurance company and the agent forever
Reason : There are waiting period when the policy revival take place. The cases already lapsed for 6 months and anything could happen to his health in this 6 months
Workaround : Irresponsible agent only helping him to revive but not explaining to him regarding waiting period
Lesson learn : Having such an agent is considered as bad luck.

4) Mark have a good buddy work as insurance agent, he allocate 1000/month for his friend to help him on insurance thingy
- Mark request his buddy to customize his insurance to cover what should be cover
- Mark admitted to hospital and need to do surgery, found out the medical card he had isn't sufficient to cover the bill , he wonder why
- After he check only found out that the 1000/month he pay, only 10% allocated into medical card portion
- End up he have to dig own money to pay for the remaining bill.

What I can conclude here is that it is not easy to have a good agent, trust is important but not over-trust. Always understand what you buy as well as the strong/weak side of the policy
I am also an agent but I only serve people I know and someone that can trust me because I don't need commission to support my living. Being my client isn't easy because I always tell my client things that usual agent won't tell but they still buy because of my honesty.
I do hate insurance before but I know insurance is important, that's why I learn it and let the hate goes to myself.

I know supersound are very anti-insurance but dude, if you really don't believe the people in this field, why not you apply license and buy it yourself. Its not hard to become an agent. Its only hard to become GOOD agent