1) Went to specialist with referral letter from clinic, ask to do scope
2) Admitted around 9:30AM, my operation (endoscropy) is scheduled at 1PM
3) Nurse asked if I want to do blood test/ultrasound first even though my insurance haven't give approval yet
4) Checked with agent, he said once admitted, blood test/ultrasound are covered - so I proceed
5) Around 12PM, staff told me insurance only give "Non Guarantee" status and that I have to pay myself first. So I contacted my agent and he checked with Allianz. Apparently scope is considered "investigative nature", I can only claim if I'm getting surgery later. I also won't be able to claim if there's nothing found during the procedure.
6) The staff did ask if I still want to proceed, which I did because I was already changed into hospital gown and already came this far (been suffering since May, just want to get it over with).

So yes in a way the agent did inform me that it's not claimable if no surgery, but I still think it's a bit too late.
Then again, gastric problems are most likely healed thru meds/probiotics so anyhow I won't get to claim too even if something was found during the scope, since no surgeries will be involved?

I attach screenshot from the policy what I think is related to my case

Hi everyone, can I know how much i would get if i'm surrender this policy? Is it just surrender value or do it sum the survival benefit and cash bonus together?

Thanks for the info. Do you know what kind of commission/incentive does the agent get if i do upgrade? Just curious. I am considering to upgrade as seems like its worth it comparing them; but the fact if the agent lies about the reason of my premium increase; it means i cannot trust them in the future. Is it possible to request a change of agent?

That's hard to say, because every insurance is subjective; meaning that its personal and could be different for everyone. Insurance X could be an excellent choice for your friend for example, but a bad choice for you. I would highly suggest to use a comparison tool which includes personal specifics, such as Loanstreet:
Loanstreet - Car Insurance --> https://loanstreet.com.my/insurance/car-insurance-road-tax
Loanstreet - Motorcycle Insurance --> https://loanstreet.com.my/insurance/motorcy...urance-road-tax
Loanstreet - Other Insurance Comparison Tools

Thank me later!

Hi, would like to get some advice from the sifus here.
I’m planning to get a medical card for myself， but it seems like a good idea to get an all -rounder one. But after going through all the posts; it seems like it’s important to get a good agent. But the thing is currently I am based in kuala Terengganu and will be going to different states for the next 2 years . Does it matter if I were to purchase the premium in Terengganu and switch to another agent in the future?
And can I get like a example of quotation as to what I should be getting for myself?

I’m looking at Allianz / PRU at the moment
Thank you

I’m 33/Female/ non smoker/ medical doctor/ annual income about 120k

Hi everyone. Just hopping in hoping (no pun intended) all sifus can help me as i'm a super noobie (apologies in advanced)

So a little background info:

- 27, male, previously unemployed, will be employed starting Oct 2019
- When i was a little kid (10 y.o), my dad bought us (My mum, my bro and me) a basic insurance policy, which is the AIA Excelcare 100 (Please see the attached picture)





Basically i think it's the most basic of them all, i google search this policy name also doesn't exist anymore 
- Fast forward 10 years, I was abroad (studying) for 7 years since 2012 and hence didn't really concern much bout my insurance back in malaysia as i have my own insurance abroad.
- Now that im back again and i had the time to check out my insurance, i realized the insurance is so outdated that the fees covered is somehow ridiculous, i mean RM100 can do lots 17 years back then, but probably not much right now.

Probably helpful info:

- We didnt have any other insurance other than this outdated policy.
- I will start working abroad again starting October, but will come home every now and then to visit my family.
- I don't think i have a medical card currently as the way i see it its just a policy booklet that i have.
- The agent that my dad bought the policy from is not being helpful in this regards and just ask us to consult the nearest AIA branch

My question:

- Do i need a medical card?
Just sharing my thoughts, I will ask it in another way round say if i need medical treatments, what are my options to solve my medical expenses needs. To most, government hospital could be their first choice. Then 2nd choice will be own available funds (if needed treatment from private hospital due to various reasons). Do i want to transfer this risk to others?

- My dad's policy is slightly different as he was the sole breadwinner last time, so he had extra protection like 20+ critical illness (17 years ago) and disability insurance but these were not listed in our policies so i'm guessing we (my mum, bro and i) are not insured against these stuff (?)
- is disability insurance = personal accident insurance ?
Disability that is caused by accidents = personal accident insurance. else it is consider as life insurance

- Is this a health insurance or medical insurance? And the way i see it, no personal accident insurance is included?
it is a medical insurance that covers hospital admission/surgery. so for a hospital admission/surgery due to accident, it is covered as well.

- Should i upgrade/update this within AIA?
in this case, if you want the latest medical card from AIA, you cannot upgrade within that plan (Excelcare) anymore. you need to purchase a whole new policy.

- Should i switch to another insurance?
Up to your own preference. most important is find someone that you can really rely on.

- Where can i find the meaning for all these abbreviations (Life /TPD,CI,PA,CIS,R/B)
within the policy contract document itself.

That's all for now, sorry for the long posting, as i dont know where to start and i stumbled upon this forum accidentally and it's been mind-blowing reading all the thread. Thank you in advanced and happy Malaysia day guys!