I guess calling each company is the only way.. SIGH.,..

Unless you are someone related, you can 'ransack" his place. I am sure if he has a policy, there will be a file somewhere. You can try checking for hardcopy of CC statements. I also believed there will be some old insurer's letter too.

If you are non related, I am not sure of your purpose.

This post has been edited by mini orchard: Aug 25 2021, 12:23 PM

1. Call up each insurance company, provide the IC number of the deceased to check for any active policies like what others here have mentioned.
2. Mention that the deceased has deceased, on what date. (Some insurers won't even layan if you are not the policyholder)

If there is an active policy, during this MCO period, it is likely that you will need to make an appointment with the service center, and the CS rep will require you to bring these documents:
1. Death Cert of the deceased
2. Proof of relationship (between you and the deceased)
3. Police report and/or death report (report from doctor who pronounced the patient dead)
4. Post-mortem report (stating cause of death)

At the service center, a death claim form will have to be filled out. The CS rep will assist with this.

May the lord comfort you during this difficult time.

I think the option to terminate and re-purchase is not viable because it will be subjected to under-writing again with the cooling period for no claims.

I just felt it is unfair for the new agent that takes over the bad agent who is not performing.

Actually, servicing/follow-up is the most important element to consider when buying a policy. As you know the market is so competitive now.

Every now and then, different insurers will come out with different packages.

Say Covid-19 coverages:

AIA has it, then prudential came up and HLA and Etiqa follow suit, now GE claimed they have the best package by waiving the KKM referral letter and opening a separate risk pool to not affect the medical repricing. God knows if tomorrow Tokio Marine or Zurich came up with a better plan.

So consider this:
1) need
2) suitability of the solutions/plan
3) company
4) agent service

If the agent is no good, but in your case, AIA is your chosen insurer, and your need is fulfilled and the solution is the correct one, I do not think you need to cancel your policy.

Life comes full circle. If he is bad, he will be eventually get punished accordingly. One thing you can do: gather evidence and make an official complaint to AIA

When you said not performing .... meaning ? Or is it your expectation or answers or services is beyond what he can provide ?

Perfect and reasonable services are two end of a pole.

I have seen customers in public places whom are demanding. Is their way or no way even if a third party says is wrong.

Since your issue is just general about 'poor performance' which is subjective and unless you can give specific examples, the agents here will comment whether how an ordinary agent will act based on the situations. From their answers, you can conclude whether he is good or otherwise and to escalate it to higher level.

Even if you intend to sue someone for poor performance, you need to prove in court that he did not act within his scope of duty which another would have done under the same situation.

You wanted badly to deny him his commission which is beyond your control, so the only way is to terminate which is in your control. I also know is not viable to terminate and therefore to leave it alone. You cant have the best of both.

Hopefully your next agent will be better ....and pray you must.

This post has been edited by mini orchard: Aug 25 2021, 07:04 PM

Just a random question if insurer A decides to apply loading due to pre existing condition (let say 50%) on a policy.if I try to apply for same policy at another insurer, would the other insurer decision will be the same as insurer A I.e. apply same rate of loading or there is a chance it might be lower

Depends on the insurer, maybe lower, the same, or higher.

Good question. This depends on the depth and the claim experience, the more policies under one's management, the lower the cost would be, and the higher the claim rate the higher the cost would be.

Looking at the cost, it tells u 2 things:

1) higher claim payout is a good thing but the overall price will go up
2) low participation rate (like old medical plans) will eventually reprice (naik harga) to meet the claim needs

So the loading/ pricing etc, depends on the above explanation, it might not be the same, cos different insurers have different REinsurers. and the costing also tak sama... hence u better get a few quotes.

Loading, on the other hand, is a good thing. That means insurers are accepting your condition and would pay accordingly should you befall with a sickness related to the condition. Meaning to say, if you bring your reports to another insurer, you might get different results, Decline/ Postpone etc.

This post has been edited by kok_pun: Aug 26 2021, 12:20 PM

Thanks for the answer
The bad news is the current quote I get from my current insurer comes with special condition with loading and also not paying a single cent should there be a need for hospitalisation/surgery related to pre existing condition. I asked my agent to appeal and still waiting for the outcome and I am also looking for plan B should appeal fail I.e. get a quote from another insurer
Previously my medical and life insurance also comes with the loading but since it was low around RM10/month so I just asked the agent to proceed

sir, compare the cost, not the premium.

even the loading part will show you the premium increment of rm20/m or more. But the RM20/m premium is actually constituting the cost of insurance and a portion of the investment placement (for policy sustainability)

so, get the cost and the % of loading and you will see the difference. When u bring the same report to another insurer, u get a diff result. This is because the risk exposure of each insurer also not same...

You can look for life_balance, our regular contributor in this thread

passed away a long time or just recently?

All insurance companies and banks have a Data Warehousing Department to collect death data and bankruptcy data etc...
So after you have applied the death certs from JPN, the insurance companies and banks will be notified and the policies and bank accounts will become inactive.

After some time, it will become dormant and one way to check it is thru the Accountant General's Department of Malaysia.
Search for unclaimed money, and by doing so, you wont miss out on any entitlement

the client portal is this one :eGUMIS . key in your data CORRECTLY , you only have 2 tries per day

This post has been edited by kok_pun: Aug 26 2021, 01:00 PM

Just for clarification, is the counter offer a loading (on condition 1) + exclusion (on condition 2)?

to add-on this one, covid test done and PPE expenses will be reimbursed as well.

The result should be similar or outright rejection .... there is a declaration statement from the applicant whether he has applied to other insurers prior.

If your existing condition happens during your existing policy period, I suggest you buy another policy from the same insurer even with the exclusion and or loading, if increasing coverage is your intention for other claims

I did it for one for my family member. One with no condition, the other with one and is with higher coverage. Hospital claim will then depend on which policy to submit.

hi ryan, it really depends. you have to apply first. if can, disclose to the agent regarding your condition and see if agent can access underwriter to check for you or not. have your report ready as well. your case is loading right? loading/exclusion or both?

Both loading and exclusion.
Wonder if it’s usual to get loading as high as 68% from amount initially quoted

it depends what's the condition. i'd seen loading as much as 75% before.

Such things are up to the discretion of the underwriter after assessing your medical reports/disclosure.

I doubt anyone in here can answer you on whether it's "usual to get loading as high as 68%" without even knowing what you've disclosed to the insurance company in your application nor is anyone in here is a qualified underwriter.

Your best bet is to try with another insurer if you wish to know what is their take on your application.

Hello all,

I'm exploring medical insurance to cover COVID19 hospitalisation Stage 3,4,5.

Regretfully I only have yearly renewable stand alone plan from AXA Affin, and they do not cover.

Current Insurance:
AXA Smart Optimum, annual limit RM500k with RM20K deductible ( since my job covers up to RM50K).

I am considering etiqa to cover the risk, and willing to cover/ take on the RM5k deductible.
This will bring the cost to just under RM650 for 1 year ( well, 11 mths la) with coverage up to RM150K except first 5k is bearable.


Can I seek advice from all you otais if this is good idea?
I still wanna keep my AXA Affin cos it's quite value for money ( pay about RM800+ for one year)....but willing to consider taking on others.

I have been searching online for stand alone but all the agents keep pitching me ILP which I dowan.

(yes I am aware my stand alone plan will increase in price as I grow older, I am pretty ok in saving money and willing to pay later as consider even ILP plan have to top up one )


Other than the above I have critical illness plan ILP already for big stuff.

Now my only worry is getting COVID19 and how to pay for it



Thank you all in advance