Hi, between AIA and PruBSN, which one has the best benefit. Am planning to apply for insurans soon. Need your help. Thanks.

Dint know prubsn

Aia when come to claim damp slow.

Org sudah sakit masuk hospital tapi hq aia tu slow macam snail tak bagi masuk ward.

I dont have any medical or life insurance but i think AIA is better.

easier to pronounce when you're oku later. might come in handy.

it more depends to your agent

Wow. didn't know. I saw in reviews saying AIA has fast service. mungkin depends on agent's service atau no of people warded in one hospital? Tu pun I want to know also. huhu. claims fast or slow depends on what actually? huhu

Axaaffin, Great eatern...

Also as said by above... IT is depend on your agent.

I understand from my friend (an ex-agent), the agent can adjust within the package..

My advice:-
1. Remove the masuk wad u get Rm200/ day... Reason: Unless u always masuk wad, if not dont take. u have to pay monthly just to get this benefit.. remove this and masuk medical better...
2. Focus more on medical... this is what u really will use the most... Investment come 2nd and final is the life.. touchwood** u gg adee, no more ur problem.

sekian my 20cent.


EDIT: **Important*** Insurance price will increase starting Aug 1st 2019... IF u want insurance better buy now... anything u buy after 1st Aug 2019 will be priced higher.
Good Luck.

This post has been edited by popopi: May 22 2019, 01:06 PM

I have an AIA insurance agent if you want. I like this guy. Saw him in FB. When i first meet him, he listens and explains very professionally. i was thinking of taking AIA myself, until, i want to publicly asks this question. Huhu

AIA service is fast enough for me. Claim process depends on agent. But if you do it online could be fast.

Some hospital don’t like pruBSN.

This post has been edited by blanket84: May 22 2019, 01:07 PM

sorry but i dont swing that way.

Not 20 cents, This is 1million ringgit! Thanks!

Like when you sakit d.

Go hospital

Give your aia card during admission

Hospital staff communicate with aia hq

Aia hq take foverer confirm back. Ok cover your bill or not.

Hospital put you sit and sakit continue lo. What if u dah tak boleh tahan d? Use cc lo.

But what the point carry medical card if still need cc?

Axa, buy online, skip agent

Axa online limit very low. For b40 group.

K/ all 20k

Insurance agent spotted

Insurance agent spotted

Please don't get any insurance related to any banks.
Definitely it will be difficult to claim later.
Stick to the typical Prudential or AIA.
PruBSN is well related to BSN.

Etiqa
No need agent
Easy admission and easy claim
Why need agent if u can handle it by yourself?

Stay away from Axa. Period.

This post has been edited by AyamBannedTwice: May 22 2019, 01:21 PM

Just google and saw the cover dam low for online.

Axa stupic think my life worth less than 50k max?

Inb4 our ktrad roysteveen comes in and promotes his Prudential policies.

Can anyone tag him ? i cant recall his full lowyat id

AIA is more famous, maybe have to pay more for global coverage options.

Global ( international medical evacaution) coverage is included free ma.

prudential for me

Walao, why keep increasing.. economy tak baik still increase ar..
When MOH manage to reduce the medicine price i'm wondering will it reduce the insurances or not..

I dont know why people still recommend Prudential BSN Takaful


scam 3

scam 2

scam 1


Do your own homework before deciding. This is for lifetime

This post has been edited by inspiron: May 22 2019, 02:03 PM

Cherry picking isn't it? Ayam guna prubsn. Last 2 week baru performed surgery. This is my 3rd surgery dy since 2010. All process went smooth claim get within 2 weeks siap dpt allowance.

AIA better

PrudentialBSN Takaful heard so many viral story parents, patient tak cover eventhough pay lots of money

scam 4


Just because you buy a proton car and it's working fine, all others who complaint about their proton car is inconsequential ?
For every car brand, sure have a few car that the service center not able or dont want to resolve the user's problem
But Proton's car quality is well known not to be trusted
They built car that is safer than P2 but why do you think P2 car outsell P1?
You think Malaysian does not care about their safety?

Car = proton
insurance = pru bsn



This post has been edited by inspiron: May 22 2019, 03:39 PM

Hong Leong Assurance!

Hong Leong Assurance!

Thank you everyone for the assistance..

based on my last experience, this is true...

topkek. prubsn is prudential ler

go for Zurich Takaful

many story about prubsn scam simply becus prubsn is most subsribers. same like myvi, since there a lot myvi user, so many myvi setori.

plus, prubsn mostly melei subsriber so they pay without knowing shit then later blame insurance.

Do you even know what happened to Jamal Yunus case? Why he did not follow up after he made a lot of noise? What happened to the court case?

Do your own homework first before saying PruBSN or any other insurance companies policies are bad. Insurance companies do not reject claims unless it is not covered or against the terms & conditions of the policies. This is where a lot of policy holders fail to understand. A lot of people especially Malays think that just because they have the medical card, everything also can claim.

you buy the Etiqa insurance through online?

Lel good luck with ur intention to tarnish their images. And i didn't have to do homework cuz im am one of their proud policyholder and having zero problems since day 1 i service my premium. Or maybe becuz u dlu main bayar tak baca terms n cond lepastu u mau claim tak dpt salahkan prudential. Idk man ppl like u bila sudah silap takmo mengaku lepastu cari jalan lain mau racun org supaya percaya ckp u.

True. I think that guy pun sama, not being responsible main sign dan bayar tak baca dan paham policy. Lepastu main tembak amik article sana sini blame ins operators.

Yerp. So far satisfied.
Before i decide to buy life insurance from them, every year I already renew my roadtax with them thru online also
Hassle free not like AIG where i need to figure out my car VIN no. WTF????

my personal insurance is PruBSN
my company insurance is AIA.

I will share my experience in categories:

1. Admission:
- None of the hospitals I have ever been to accept PruBSN insurance outright. They always have to waste time negotiating first with Prudential which just does not work during a critical situation
- I have never had problems getting into hospital using my AIA. some hospitals are AIA-preferred hospitals (including the one nearest to my house) so getting treatment is super easy.

2. terms:
- Pru previously had really stupid rules like you can only claim if you are in-patient so you would have to actually sleep at the hotel minimum 1 night to be able to claim. My agent says nowadays they revise this rule already but I dont know if they revise for all treatment or still have for some.
- AIA is very strict with its terms but they are also very transparent. what i mean is they have high requirements for claims but they tell you clearly exactly what they are. so this makes it easy for us to know what we need to give them for the claim to succeed. its strict but definitely achievable as long as you are not trying to cheat or get more than you need.

3. claims:
- AIA claim can be done via app and online and very quick and easy.
- I havent done a claim for Pru in a long time so they may have a similar system in place now but it doesnt seem as easy to navigate as the AIA system.

4. customer care:
- I usually have to run round rings to get any info from prudential. it took my agent 4 months to change my mailing address. every time i ask if my payment is up to date, they can never give me an answer. this is what made me stop using Pru. i check with my agent ever 6 months on whether he has been getting my payments but he never responds. the online system was not available previously so there was no way for me to check myself. had to go through him. this is shit service.
- never difficult to get answers to my queries. most of the stuff I want to know is available in their online customer service anyway so I am a lot happier with AIA cust service than PruBSN.

5. coverage:
- dont know which one has more coverage. never had the chance to compare fully between the 2.

their medical coverage is quite low which is 120,000 k only. this is the maximum that i see

Even cancer only cost u 50-80k/year
Why need more?

Muslim ke? Go for takaful.
Any takaful companies will do.

Biasalah viral2 ni… mesti ada something fishy that makes insurance decline…

Just to share my experience with PRUbsn..

#1 - Agent
Agen aku ialah ex-lecturer aku sendiri. Dia UNPAID LEAVE dan buat takaful. Dia kat Melaka, Aku kat Johor.. Aku trust dia sbb dah kenal. Tapi banyak benda tak kena dan ada part yg ok
- Aku paid premium RM200 lebih sebulan, tapi aku bodoh tak reti baca terms dunia takaful.. aku pakai YA kan je. Coverage aku
* PruBSN TakafulLink RM 35,000.00 (investment, which is rider. TAK PERLU pun.)
* Accidental Death & Disablement RM 25,000.00 (mati atau cacat just dpt 25K je. Tak berbaloi)
* Accident Medical Reimbursement RM 2,000.00 (pun rendah. Aku expect more)
* Weekly Indemnity 2 unit (1 unit worth RM100 so, aku dpt RM200 setiap minggu waktu tak dpt kerja atas keilatan aka hilang upaya separa dan sementara. Total RM400 sebulan. Ok la ni nice la.)
* Crisis Shield RM 25,000.00 (maksudnya klu kene 43 critical illnesses. Ok ke? dapat 25K. Aku rasa mcm low)
* S300 aka smart saver RM300 (mean, byr RM300 setiap kali admit ke HOST dalam tempoh 90 hari. Means, always stanby RM300 la sebelum g hospital. Byk juga, Aku curious klu kos tak sampai 300 kira mcmne tu?)
Agent aku blah tanpa inform aku ( Tu pun aku kene contact HQ sendiri. Kos panggilan aku tanggung) , dan pass kat someone yg tak response apa aku tanya.. Nk tukar lain tak dpt. Tak puas hati pula rasa. Pastu semua agent aku tu tak pernah kasi gift aku ..hmm

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#2 - System
Sistem byr boleh auto debit, pay to agent atau pay via payment gateway sendiri via prutouch. Sistem web dia teruk, since 2017-2020 dia tak display pun rumusan / ringkasan benefit. So kene hadap baca kertas tu dan cuba fhmkn. Anyway, aku dlu opt utk static pay (maksud aku takde increment aka term diorg ialah level term (that why aku sangka byr lebih RM200 sebulan tu dah tinggi tpi bila tua nanti, aku masih byr sama) but entah mcmne dia jadi berubah atau nama dia step-up term. So rumusan dia, byk agent diorg tak jujur dan dalam sistem tu xde mention ko step-up atau level

Oh ya, diorg xde mobile apps.. Just web based system. Tu pun sakit hati sbb tak mobile friendly, menu hover dia on mobile based sgt tak responsive. Timeout dia pun kejap je, 3-5 minit pastu auto logout.
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#3 - HQ
Call payah nak angkat. Cuba la try.
Email lambat blas, aku duk follow-up.. akhirnya sebulan baru blas. Aku beremail sbb payment aku failure kt sistem tp duit dah tranfer masuk.
HQ pun tak ambil inisiatif nak jaga pelanggan
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So far aku tak pernah claim pape, aku sihat je. Tp aku rasa dan selalu bca yg takaful lain lg worth.

This post has been edited by RNM: Dec 11 2021, 07:27 PM

Me under aia group Plan…

Quite late… although their app is okay. Need to Call once to ask status their cs said will hand over to the pic .. ask another week to Call.. Call again next week only to Find out claim not processed.. took a few days to process and bank in money …