If you need more understanding we can do a case study on your A-Life Med Regular or A-Plus Med attached with A-Plus Med Booster. What exactly is a Rider + a second deductible 100k act as Booster plan which so call the No Annual Limit and Unlimited lifetime limit. There is no need to summon anyone. I can answer your doubts about your own insurance policies.


1. Can cover in Singapore
2. The first card ( A Plus med ) must exceed the annual deductible limit.
3. This plan only apply for plan 500.

based on few points above. Can Plan 150,200,250,300,400 be covered ? The answer is No.

If can cover, are the clause being fullfill...

Plan 150
Scenario 1 : 90k claim

A-Plus med A/L is 100k = so it does not exceed
= so cannot claim for Singapore treatment

Scenario 2 : 120k claim

Plan150
A-Plus med A/L is 100k = so it exceed 100k which already over 100k deductible annual limit
=But the plan is not plan500
= Cannot Claim

Customer from AIA told me their plan can be use in Singapore but do they aware that their plan is rm 150- 200 plan has benefit limitation? Agent not disclosing information or miselling? Dont repeat history like Atna aka ING.



This post has been edited by rcantona7: Dec 13 2017, 08:15 PM

🤔🤔

What are your findings? How does Prudential compare to AIA? Or Allianz or GE?

you know i know. But for Lifebalance as an agent MR. know everything yet he is asking another agent to clarify on my statement. Funny isnt it. More over he keeps talking about the downside of Prudential plans comparing to AIA so i would want him to know something about his own plan benefit limitation base on the policy wordings itself.

This post has been edited by rcantona7: Dec 13 2017, 08:30 PM

Thank you for your input, I guess you've breach plenty of misconduct in here under LIAM Code of Conduct which I can use your screencap along with your contact info to identify you.



Secondly, please provide evidence of non-disclosure or mis-selling, otherwise you're trying to create a public disturbance especially towards a particular insurer.

You've just breached LIAM's Code and Ethic conduct in your earlier statement as well as the above quote

1. General Sales Principles

2. The intermediary shall not -
(i) make inaccurate or unfair criticisms of any insurers;

(ii) The code applies to “intermediaries”, i.e. all those persons, including
employees of a life insurance company, selling life insurance other than
registered insurance brokers, who are subject to a separate professional
code of conduct.
(iii) Members of the Life Insurance Association of Malaysia shall undertake
to enforce the code and to use their best endeavours to ensure that all
those involved in selling their policies observe its provisions.
The audit/disciplinary Committee of the insurer (established in
accordance with clause 2 © of Part 1) shall be responsible for
monitoring compliance of the life insurance intermediaries to this Part
(that is, Part II) and shall be responsible for the submission of the
quarterly report to Bank Negara Malaysia on breaches observed during
the quarter and the corrective or punitive actions taken.

http://www.liam.org.my/pdf/code-english-v2.pdf

I shall send this report tomorrow along with the evidence captured.

https://web.archive.org/web/20171213123156/...c/4199756/+1320

https://web.archive.org/web/20171213123053/...c/4199756/+1340

This post has been edited by lifebalance: Dec 13 2017, 08:33 PM

You are indirectly criticizing our PruSenior Med

1. You are a great agent.
2. This thread is all about insurance, u have no point to debate hence using law which i do not break. Very intelligent but not used wisely.
3. Bash other insurance indirectly and dont accept when ppl compare your product. Thumbs up agent



This post has been edited by rcantona7: Dec 13 2017, 08:39 PM

as I've already quoted, the 2 policies have their own benefits and differences as per the indicated brochure unless you can tell me one lie between these 2 policies in my statement above, I'm happy to debate.

As I'm also fair to give the difference whereby the insured will benefit from cheaper cost of insurance by getting the PruSenior, since this is a forum, I'm public debating on the difference between these 2 since the person asking wanted to know if there is a cheaper policy / other option. So I'm merely laying out what is the difference between these 2 policies and what's in for the person to pay more for it.

Plus, in no way did I said the Pru plan was useless, if initial budget is a concern, by all means, I would encourage the person to get something within their affordability.

Whereas you went to a different route and start to spur wild allegation against a particular Insurance company which is not part of the original discussion.

Moreover, since your entrance in here, you've been trying to promote and sell your services as well as putting down other insurance company. Why I said so ?

Here's your evidence


And now, starting to bash on particular products. Which is irrelevant to your discussion that you're bringing in here.

Cheers

So basically you are telling everyone that only can talk good about AIA and the rest is not good and comparable to AIA. By the way for your information. I did not criticize any one i m just doing a plan comparing like how u compare our Pru Senior Med when someone ask you about the standalone plan from prudential. If comparing benefits is wrong it this forum why in first place this thread was "Insurance Talk V4!, Anything and everything about Insurance"

It shows that you are Right all the time and you will try to use law to threaten people when someone compare your plan. But u can compare other plan as u like. Is it like that Mr. Keith ?

My first post in here is only replied to the person asking about standalone medical card if he wants to let go now and what if he wants to purchase in future. You claimed Im giving misleading statements.

Which post did i start to bash about others and promoting my company? They can have a look in my signature by themself if they want to. It is you disagree-ing with everyone here and trying to be the know everything and when someone compare about your product u use "liam" haha. omg u made my day

Oh u did noticed im entrance here. Does it make any difference to you compare to other forumer that post here?



1.2.and 3. and 1. 2. 3. are all cons.. where is the Pros ?

This post has been edited by rcantona7: Dec 13 2017, 09:06 PM

Code of ethics is a law enforced to make sure agents solicits insurance in a healthy way. Comparing product is customer`s Right before buying a life time policies. Every car has its pro and cons. If the sales man said PROTON is not good because its locally made will PROTON sue the HONDA salesman ?

And the COPY AND PASTE for i. ii. iii. refering to agents soliciting insurance why are u misleading when u copy and paste here. You use i. from A then ii. and iii. from B. But both refering to the agents and the client during soliciting insurance

2.
The intermediary shall not -
(i) make inaccurate or unfai
r criticisms of any insurers;
(ii) attempt to persuade a prospective
policy owner to cancel any existing
policies unless these are clearly unsuited to his needs.

CODE OF ETHICS AND CONDUCT
(Life Insurance Selling)
INTRODUCTION
(i)
The term
“
life insurance
”
used in this code covers all types of home-
service and/or ordinary life insuranc
e, all types of annuities, pension
contracts, investment-linked
insurances, and permanent health
insurance.
(ii) The code applies to
“intermediaries”
,
i.e. all those persons, including
employees of a life insurance company, selling life insurance other than
registered insurance broker
s, who are subject to a separate professional
code of conduct.
(iii) Members of the Life Insurance
Association of Malaysia shall undertake
to enforce the code and to use
their best endeavours to ensure that all
those involved in selling their policies observe its provisions.
The audit/disciplinary Committee of the insurer (established in
accordance with clause 2 © of Pa
rt 1) shall be responsible for
monitoring compliance of the life insu
rance intermediaries to this Part
(that is, Part II) and shall be res
ponsible for the submission of the
quarterly report to Bank Negara Ma
laysia on breaches observed during
the quarter and the corrective or punitive actions taken.

I hold no grudge on you but since u claim i`m misleading and double quote my wordings as if i have done anything bad to you. or perhaps im entrance to you ? Let me refresh what you have done
1. Claim Im a misleading agent. I can sue you for spoiling my image
2. Bashing prudential Prusenior med in every way .
3. Misuse LIAM by alteration its clause to threaten me when im making accurate and fair claim scenario.

Look at your profile picture. Are you trying to dominate everything and anything opposite interest is your enemy? Think about it. If you dont want anyone to debate about your product, then PLEASE DONT TALK BAD ABOUT PRUDENTIAL PRODUCT

This post has been edited by rcantona7: Dec 13 2017, 09:59 PM

hmm... this is for Singapore Treatment case. and yea for Singapore Treatment case, only Plan RM500 is applicable for cashless claims, plan lower than RM500 R&B is reimbursement claims. (Correct me if im wrong lifebalance)

btw, not all plans and companies are perfect. each has each others' strength.

Yes indeed you are right. Each have their own strength. I respect your point of view bro . Almost all insurers overseas are reimbursement basis. Even our PRUmedic overseas, only that the within 90 days clause is exception for the rider. They cannot be cashless due to the charges will be reimbursed based on Malaysia`s few good hospitals rate for that particular illness. Subject to Reasonable and Customary Charges.

This post has been edited by rcantona7: Dec 13 2017, 11:57 PM

Morning,

Plan 500 is still based on pay and file a claim for overseas including Singapore but any excess charges in Singapore is claimable under the Booster policy which is not subject to Customary Charges.

I believe all insurance company have this practice on Customary Charges, otherwise everyone is paying in MYR but want treatment in Singapore and pay in SGD, Malaysia insurance company will bankrupt oh, earn MYR but pay in SGD.

Meanwhile, I've pass the matter to LIAM to handle.

Yeap u r right. for consumers who are worried of travelling and needed emergency hospital treatment, just ask them to find cheap cheap travel insurance to at least cover something.

I thought Plan500 is a cashless basis. Anyway thanks for explaining.

Any idea what is Voluntary health insurance scheme that to be introduced by government mid 2018?

so far no announcement yet, hopefully it'll offer a decent coverage @ affordable premium.

You can pass the matter to anyone. Most important are you even aware of what were you posting in this forum. You were comparing Prudential- Pru Senior Med to your AIA standalone medical card and bashing every way as you like, from terms , to coverage, to limit. When someone compare your product, u have no point to stand and you using LIAM to threaten. Please dont make a joke out of yourself as an agent la please. Be more mature and healthy when comparing product. It show whats in your brochure and you as agent yourself cannot answer to that. Are you agree that cons too? Such a loser

and btw if u are taking any drugs. This forum is to discuss anything and everything about insurance. if you take it to the laws your just making a fool of yourself. But its okay la because you dont even dare to put your profile picture.

P/S : Your attitude shows people that no one can compare your product and no discussion about the cons. And lastly no need to pusing pusing about the cons. we all are agents too.. we know clearly on that.

Keith, dont make a joke out of yourself as an agent. You compare first and when i compare yours.. you cannot take it. All your reply were merely showing you are bias towards ppl. New agents post here you try to scared them and make them stop posting. But not on me bro . Learn not to curse your client/forumer`s dad. Learn the basic first bro

This post has been edited by rcantona7: Dec 15 2017, 07:41 PM

Reading back your post, u disagree-ing with everyone`s opinion and you are the only one MR. SELF RIGHTEOUS. You also have bad intention on other forumers which u mentioned u exposed him. Other agents here are not like you. Somehow you just proved yourself a big loser here when come to debate your own product. If your company still have agents like you.. soon`s its going to be-ing

Sorry to say your copy and paste dont work on me. . I dont flame people unless they started it. Hope u know your ground. Thanks

P/S: Can i report you to LIAM,MXM AND LONPAC for criticizing them?

This post has been edited by rcantona7: Dec 15 2017, 08:39 PM

Both of you take it to the PMs la, I want to read new things on Insurance industry all I see is the wall of text.

Nothing new so far in the industry, other than initiative from the government to start some Insurance scheme for the public which is not finalised yet.

=)