Thank private hospital for that, last time i had an op at a hospital near kerinchi there the bill got shit load of miscellaneous things which i never get.


These hospitals damn pandai.

A just grumbling post

just received a letter from AIA
one of my son insurance policy is gonna increase from 603 to 754.
it is a 25% increase this time...

if no plice incliase den how to maintain insurance agent macidis

lol biar betul

what kind of policy you bought for your son ?

that amount is monthly or what

mediplus
@ per annum rate

Older policies would have a fix increase rate for the duration of the policies years.

Newer policy don't hv that? Even when reached a certain age group?

Will those rate be fixed for those age group through out the policy years or those rates can be changed by insurance companies?...
(Medical insurance policy)

Is in the policy contract.

Just checked mine, it stated those premium stated are not fixed.
And also the usual hike to cater for the medical cost inflation too

This post has been edited by yklooi: Aug 5 2021, 09:50 AM


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adjustment of 10 - 25% is normal on top of the usual estimated rate due to inflation.

My medical plan also increase 13% this month !!! It this normal ???

try read post 200, page 10 to have an idea if the increases is gonna be normal

People need to know that, this issue is not unique to Malaysia.

Of course we can still do a lot more, e.g. restrict hospital to simply charge, but medical cost and hence medical COI will always on upwards trend.

I'm using AiA Family Insurance Plan. Paying RM750 every month but suddenly received letter saying my Premium will increase to RM950 next month. Received the letter 1 month ago. My premium just increased last year according to my age as according to the original plan I signed and there was not supposed to be another increase in 4 years time.

The letter says due to increasing medical cost and my premium will not be able to sustain this increasing cost if my premium is not increase is the reason for the premium increase. I suspect these nation wide increase is because of the effect of Covid to the medical industry, but then again almost all Covid-19 patients will be quarantined at government centre and does not involved any insurance claim. So don't know what to make of it.

This post has been edited by matkoi: Aug 10 2021, 10:11 AM

There is no such thing as "there was not supposed to be another increase in 4 years time." in anywhere in your policy.

Insurance company will need to adjust as and when and you'll be informed via mailer of such changes made.

It is in my payment schedule when I first signed up for the policy. It stated specifically when my premium will be increase over time but I do agree that according to AiA T&C they are allowed to increase my premium without my consent. They just need to send me a letter of notice for the increase. My issues is that my premium just increased last year and now it is increasing again in a short period of time. My monthly budget went all mess up because of this especially during this Covid time.

Insurance hike happens more frequently than ever. They are running business too, not charity.

That’s why find a plan that one can afford and sustainable. Otherwise it’s time to downgrade the plan or take up a new one.

No point clinging on the same policy over long period of time. End of day insurance agents will still be the winner.

Not sure what you've opted, from the sound of it, you are on a standalone medical plan but under the family plan ?

It will increase every 5 years, on top of that on any adjustment towards medical inflation.

If you're looking for something more stable on the premium, then perhaps opting for an investment link plan would be more manageable for your budget.