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 Insurance Talk V3, Anything and everything about insurance

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spreeeee
post Dec 29 2015, 03:28 PM

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good one smile.gif
spreeeee
post Jan 8 2016, 03:46 PM

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what is the best motor insurance (based on own experience or feedback heard)? got another source which mentioned:

Good
1. Berjaya Sompo
2. Allianz
3. AIG
4. MSIG
5. Tokio Marine
6. Etiqa
7. AXA

Bad
1. Kurnia / AM Insurance
2. Ace Jerneh


RHB?
MAA?

This post has been edited by spreeeee: Jan 8 2016, 03:48 PM
spreeeee
post Jan 8 2016, 04:27 PM

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QUOTE(JIUHWEI @ Jan 8 2016, 04:09 PM)
Rate wise, frankly everybody also still in a "look-see" mode.

Claims wise, also pretty straight forward, have to submit required documents.

But roadside assistance, by far Allianz and AIG service providers are  thumbup.gif
As for towing service, Allianz towing distance by far is the furthest.

These two are the ones with the better feedback from my customers and I personally purchase Allianz.
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normally, 24 Hours Road Assistance Service, if let's say battery flat or out of petrol middle of somewhere, any charges (except battery replacement)?
spreeeee
post Jan 8 2016, 06:05 PM

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QUOTE(conqu3ror @ Jan 8 2016, 06:01 PM)
The default 24 Hours Road Assistance Service is just towing our car to our prefer service centre. (With certain distance limit). Generally no roadside repair/with charges.

If you need additional service like minor repair, battery jumping(some towing may help with FOC) or petrol. That will consider as additional and will require to add on to Allianz Road Warrior or Enhance Road Warrior for car insurance.

Please refer to the link below for more info

https://www.allianz.com.my/roadside-assistance
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ya i know about that for allianz.. need to top up..

anyway, some co. does provide this service for free (not very sure), and only need to pay for the parts if need changed.


spreeeee
post Jan 9 2016, 11:29 PM

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QUOTE(supersound @ Jan 9 2016, 01:36 PM)
Etiqa shall not be in the good list especially in Seremban, I can only use the term worst.
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im not sure about that bad in ur location, i aware that it is also the most expensive (probably the min sum assured is higher than others).
spreeeee
post Jan 12 2016, 09:48 AM

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vapor = smoker?
spreeeee
post Feb 23 2016, 10:17 AM

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QUOTE(lifebalance @ Feb 22 2016, 06:52 PM)
Sorry can't help you
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he so mean, lol... wonder what bad history he had with AIA.
spreeeee
post Mar 7 2016, 10:24 AM

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QUOTE(supersound @ Mar 7 2016, 08:34 AM)
Till now still got people believing that insurance companies are there to protect them.
But the fact is, they will take back the umbrella when you have trouble.
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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..
spreeeee
post Mar 7 2016, 10:32 AM

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QUOTE(lifebalance @ Mar 7 2016, 10:27 AM)
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.  brows.gif
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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..
spreeeee
post Mar 7 2016, 10:41 AM

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QUOTE(lifebalance @ Mar 7 2016, 10:36 AM)
thumbup.gif  thumbup.gif good to hear that, thanks for spreading some good stories  innocent.gif
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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.. rclxub.gif
spreeeee
post Mar 8 2016, 02:57 PM

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supersound, i think you must have had very bad past experience, but shouldn't blame the whole insurance industry. just my 2c.
spreeeee
post Mar 8 2016, 04:49 PM

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QUOTE(supersound @ Mar 8 2016, 04:33 PM)
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.
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i think everyone may want to know how you were being cheated, moreover 3 times. can use them as case studies.
spreeeee
post Mar 14 2016, 02:34 PM

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QUOTE(Bonescythe @ Mar 14 2016, 01:51 PM)
I can tell you from start to now, he is bull sheeting and it never happened to him.
Because he used to tell insurance / insurance agent cheat, he continue to stand by his claim to make it consistent with his believe. But the true fact is it is not existence at all.

cheated 3 times? Hahaha.. I am wondering, either he is dump, using life coverage to claim medical insurance or wad?

Dun listen to him or even trust wad he say.. He dun have insurance policy at all, and dunno how the claim works at all.

If he want to redeem his dignity..

Come and tell us which company he bought and his policy number / IC number and we go and check.. else, all are bs from him.

I had done claim, and it is easy like pea... just give receipt and bank statement/bank book, sign a form, money come back
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thumbsup.gif
spreeeee
post Mar 14 2016, 02:50 PM

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QUOTE(Sitting Duck @ Mar 14 2016, 02:47 PM)
Hi,

Wonder any one can help me. I'm having a investment link life and medical plan with AIA that I bought more than 10 years ago.

Back then the medical plan has co insurance and lifetime limit.

I found out recently that the new medical
Plan do not have co insurance and life limit any more so I approach another agent from AIA asking whether I'm able to upgrade my existing medical plan.

However, I'm being told by this new agent that even if I upgrade the exciting plan, the medical plan will still follow the old coverage which still has lifetime limit and co insurance. The only way that I could get the new medical plan without co insurance and lifetim limit is to buy a new plan.

Anyone can advise me whether this is true ?  I feel that I have been paying for the last 10 year plus and it's quite a waste just throwing it away and have to start again with cool off period and the need to declare my health status again.

Thanks
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it is normal. ur old medical plan is it standalone one?

if yes, then is normal that what u have been paying for feel like 'wasted'.. just like u buy a new umbrella every mth but it never rain..

so would then suggest to get new one, after waiting period, then only cancel old one.
spreeeee
post Mar 22 2016, 09:44 AM

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QUOTE(lifebalance @ Mar 21 2016, 02:46 PM)
yeap and I can get cancer reading ur comments, go spread ur negativity somewhere else where people would like to listen to you.
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biggrin.gif sweat.gif
spreeeee
post Apr 26 2016, 10:07 AM

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any existing old aia agent can advise and summarize this please? it is an old policy since year 1994. payment semi-annual rm400.00, i.e. per year rm800.

user posted image

This post has been edited by spreeeee: Apr 26 2016, 10:08 AM
spreeeee
post Apr 28 2016, 03:58 PM

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QUOTE(ExpZero @ Apr 28 2016, 03:50 PM)
For better explanation, you can always call to AIA at 1300-88-1899 nod.gif
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the careline waited so long.. at the end, give up..
spreeeee
post Apr 28 2016, 04:01 PM

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QUOTE(lifebalance @ Apr 28 2016, 03:59 PM)
ohmy.gif how long ?

I normally call in also 2 min can edi
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>10 mins, during lunch hr..
spreeeee
post Apr 29 2016, 09:30 AM

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QUOTE(lifebalance @ Apr 28 2016, 04:08 PM)
hmm.gif  ok ok, if can't get, get the agent
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long time ago the agent already gone to another world..

anyway, have this sorted out at branch.. thanks everyone..
spreeeee
post May 30 2016, 05:53 PM

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QUOTE(lifebalance @ May 29 2016, 07:07 PM)
Yeap
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QUOTE(adele123 @ May 30 2016, 03:08 PM)
Yes. this applies to other companies who also offers travel pa via online. AIG, etiqa, etc... You get 25% discount by buying online. biggrin.gif
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this axa travel insurance, normal clinic consultation can claim? or must be hospitalized?

This post has been edited by spreeeee: May 30 2016, 05:54 PM

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