Etiqa shall not be in the good list especially in Seremban, I can only use the term worst.

Well, is because most of the panels of repair are crony companies, so nothing much can be done.

Nope, price does not increase but it will depreciate each year.

Looks more like the policy is depreciated over the years and you need to pay extra for the same coverage.

Looks more like the agent never help you to pay at all
Still, is good that you terminate all insurance before you get cheated more on plans that does not cover you at all. Don't ended up like me, paying for 20 years for no reason.

This post has been edited by supersound: Jan 17 2016, 01:51 PM

Do understand that any policy will self depreciate every year.
And if you are really worry about health, try to change your lifestyle and stay healthy.
Even if sheet does happens, government hospitals is there. Most insurance agents will bullshit you that you have to wait donkey of years to get treated. But the fact is, they will access your situation and will let you do the operation first if it is really serious.
If you reach 60 years old, you get priority treatment also and Jabatan kebajikan is the place where you can ask for treatment waiver.
Like recently I lost my knee's lubricant, the so-called specialist in private hospital insist that I need to undergo operation which cost rm30000 but after visiting government hospital's specialist, this operation are not needed, what I need to do is reduce weight and don't simply eat junk food.
So what you need to do is donate blood 4 times a year.

Why not? If the agent submit the account number to his own account
Must know this fact till you die : an insurance agent other than cheat will mislead to secure a business.

This post has been edited by supersound: Jan 17 2016, 11:14 PM

You are right, when a MAA cheat a fellow here and he talk on this issue, other company's agents will say this is normal as they are trying to mislead that poor fellow that other companies won't cheat. And the next company also cheat this poor fellow, another company's agent will talk differently, this is insurance agent's SOP in real life. That's why I can be cheated for 3 times in a row

That agent I'm sure is not you

I understand that, those that not easily can be cheated sure you will avoid.

Because no matter how you says, I won't buy also. You know this already so you just want to look for excuse for you to look good.

Sure can, since once you signed up and start paying, what will happen is 180° from the projections stated. When you are not happy with it and look for that agent, the agent will ask : sorry boss, I forgot to mention that it is just projection only and shall not be used to justify it will continuously make money.
Just ask around your friends or old timers in coffee shops and see how they answer you

Sure can, photocopy of the report will do

Just get MRTA and call it the day, no need to get confused with this.

Most of the time the agent that serve you won't bother on after sales service, especially if he with intention to put different name.

Because you don't have any money for them to cheat, for sure they want to make your life hard. If the policy has no cash value, just stop payment and let it lapse by it self.
This is what I did for my policy since they cheated me.
Insurance is a cheating tool created early 20th century to ensuring insurance seller have their luxury rice bowl being secured.

Savings policy, save rm10000 that I can take rm10000 after 10 years, but after 8 years, cash value not even reaches 50% mark. MAA
mixed policy with life and medical, medical was at very minimum, enough to cover daily rate in GH's class 2 ward, GE
Prudential are the best since it is following the hard copy policy, but when claim, they are using "too many potential fraud claim" as excuse to deny my claim.
You want to do something on your policy especially cancelling, sure you will have hard time, but the agent can change the nominee's name or change your package easily.
Trust me, you no need to have any insurance for your life. GH is there to help you if you need help. Even a Datuk that is a multi-millionaire also spending time in GH only, he ask me back "why waste money to let insurance agents enjoy your hard earn money?" when I asked him on this matter.

Better cancel all policies, better for you later on.

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.

http://www.chinapress.com.my/20160202/2000...F1500%E8%90%AC/
BTW, a good article to read. Happened in different place, but still the same thing, insurance agent cheated the fellow.