My mother 64 years old have a tokio marine medical card which we renew annually. Last year however, she was admitted into hospital for colonoscopy - doctor worry there may be something. We claimed the medical card because well that's the use of medical card, right?

Anyway this year during renewal of policy, they slap us with a 20% coinsurance with no cap!!!!!!!!!! Who have similar experience? Is there anything I can do from my end?

read your policy there is usually a clause there.

sounds like term insurance. i think it's normal

Hmm what do u mean by term insurance? I mean yes I can google. I just want to double check how does it differ from say GE? Term life - means annual renewal and during renewal they can do whatever shit they want?

This post has been edited by chrisderick88: Sep 26 2018, 10:56 AM

read your policy sure got mentioned about it

Most likely the agent selling you this mislead you

Check the policy for the Renewal Clause and Alterations Clause and post it here.

hey bro, can u share more the insurance policy ah, before making such statement

Agent missell? Must be something in the agreement

20% co insurance with no cap means what? For every RM1 claim, client pay RM0.20?

Do you have agent for the insurance?

Normally you already paid for them to do their work

Yea check with your agent. If not just find that document and paste the terms here

we have no idea about the policy that your mum purchased. what you can do at your side is check the black and white of the policy to see the clauses and the coverage of the plan.

complaint to BNM.

then bring it up to facebook.

can give more details..

u don't simply accused without any basis..

later Tokio Marine LOD u.. then u cry..

slap them back with counter-coinsurance, kekekek. but seriously, without details of your insurance, how to know le?

find back your agent, that's what they are for

Hi all, okay, I've contacted the customer service.
I think it's written in the small terms and condition. They asked me to write an appeal letter. Honestly though 20% coinsurance with no cap is way too high. I though these legacy plans where they "discriminate" against those claimed before are long gone. I guess wrong. Anyway, thanks all!