sponsored article la tu. I rather put my money at trust fund companies instead for investment.

Itu salah agent? No?

Good for you


Knock on your door to give money or take money?

lol, me kena tiow by the insurance agent saying me bodoh only take medical card and not including other, like i give a shit.

remember buy medical card only, most agent won't entertain even u buy thru them .... now i have no agent serve me

the quite alot that you talking about either has lack of knowledge or appetite to pay something for their own safety.
I have met people keep cash in their home, like lots of it. say bank will eat your money.

Alot of unscrupulous agent so claim to be big professional from these insurance company are very evil.
what they want is to earn your money and sell you plans that you don't need. Even at a deficit rate of return.

if you want real insurance advice, go for financial adviser company. There are many third party company who only pick the good products from insurance company like GE/AIA etc..

I will NEVER buy directly from an insurance agent who work under the Insurance company itself.

hopefully with malaysia baru can buy insurance without agents (but with discount)

Noted


Ye ke, ayam cannot find already.

Thanks brother, perhaps in few more years 😂

Guess they can go gov hospital queue for hours

Reason is simple, talk insurance all run away, talk savings some will listen but insurance policies are not savings plans. No choice lar, kasi goreng.

Many donkey years ago, this kawan baik approach me sell insurance savings plan, talk talk talk, then ask her calculate IRR, she don't know what is IRR, KNS, I calculate the IRR, miserably 3.2%, inflation cannot cover, her answer was why bother with inflation!! got savings cukup lar! Absolute ass hole of an agent. Kawan baik wouldn't put food on my table when i retire.

basically insurance is just front gimmick, other product is what they care ... 107% profit from ur first year payment (which split to 6 year) ...

friend of mine a top agent i prudential showing off his tissot n ipx recently. .
i wonder what's the ratio of successful claims made to; money that actuall goes to the companies

This post has been edited by cikalakacikaci: Jun 6 2018, 01:09 AM

selagi tak kena pada batang hidung sendiri, dia tak peduli

i remember got 1 insurance appear big big in news inb4 i was 2"
can't payback dono AIA or prudential, i remember it is red colour 1

my case

my appendix burst last sunday 8pm as im screaming in agony. Go clinic, get letter to go hospital. Instead of going to gov i went to KPJ Hospital. Went to emergency section, showed my insurance card. The hospital and Insurance (AIA) settle sendiri while i just goyang kaki screaming in emergency bed. Within 1 hour everything settle, room ready, got myself a single room ( very gooding ). Room itself cost 185 pernight. Operate at 9am settle at 12pm Monday


I am writing this post while recovering on my comfortable single bed hospital room.

Proof of my admission, Check attachment,
this is the tag from my IV bag
check the tag 4/6/2018
Payer : AIA
other detail censored for obvious reason


I think the whole thing would cost me RM7 to 10K. Obviously i wont be paying that much cuz im insured


Bare in mind that im reasonably healthy 25 years old, Appendix burst out of FUCKING NOWHERE!!,
Night before i was healthy af, chilling with homies and stuff, next day burst

This post has been edited by ZuloPhobia: Jun 6 2018, 01:38 AM


Attached thumbnail(s)

Traditional medical card at most cover 150k medical fees per year with a certain lifetime limit

Investment-linked medical card can cover up to 2.6 Million medical fees per year with no lifetime limit

Judge yourself

what ???
my one medical cover is cover 5m and annual is 600k, not sure what u talking abt .....

This post has been edited by SonnyCooL: Jun 6 2018, 02:27 AM

Great advertisement there bud. Did you post this on every Malaysian forum you can find? Don't forget facebook, twitter and instagram too.

soooo with investment or not?

which one better?

i already have company insurance.. should i take one more?

well you have booster (AIA offers this) with additional fees.



but to think about it, if you start claiming 300K per year, i think you already as good as dead.

My friend kena sue by insurance company because they said he misused the policy. They said he purposely fall sick to stay in the hospital and enjoyed the hospitality.

You are paying too much for an insurance because you will be paying for their profit and employees salary as well as overheads.