Ah, I apologize if I struck a nerve, but a “what aboutism” argument isn’t going to make much headway in absolving your own behaviour.

Anyway, it’s clear I’ve said what I wish to say. This isn’t about you,  it the way you put forth your message.

If you feel this way is still the best way to serve your ideals in trying to achieve enlightenment for the uninitiated, then by all means, carry on.

You’re not here to change who you are based on the musings of an non-invested observer…

…but perhaps if you really wanted to help others and not just appear to be smarter than those you’re trying to help, you should.

Just my thought and believes, ...no cogent evidence, so it remains as a belief

I think
You can continue to post
what you want, ...
For whatever intentions you wanted.

Just hope that the moderator(s) or any person(s) with the power over this thread have the same thinking as mine.

Good luck in your endeavour to want to see things changed with you beliefs and thinking.

Hahaha, clearly someone must have feel their rice bowl affected by your post. Or as said before, "ruffled some feathers due to touching on some sacred cow".

I think, they are not afraid to reply, perhaps does not wish to argue on some speculative conspiracy theories.
You have the right to think that it is not speculative conspiracy theory, but others may have other views too.
You have the right to think that it is worth the effort to bring it up what you did and are good to argue over them.... But others may just think it is of no use and a waste of their time.
You may think the things that you had brought up will be beneficial to others, ....but others may just don't care as they may not believes what you had posted had merits that is worthy of them to change their mind of what they wanted to hv...like joining vitality programme.

Hv you noticed posts can be deleted or removed here?
I hv seen many forummers got "suspended" too.

I hv no intention to see your post got deleted or you got suspended.....as I am still enjoying what you are doing here.

Conspiracy theories tend to be internally consistent and correlate with each other;[12] they are generally designed to resist falsification either by evidence against them or a lack of evidence for them.[13] They are reinforced by circular reasoning: both evidence against the conspiracy and absence of evidence for it are misinterpreted as evidence of its truth.
More...
https://en.m.wikipedia.org/wiki/Conspiracy_theory

If you want to wait for the reader here to decide and take action after believing what you had posted here....(especially without you taking any action to inform the authorities but merely posting of your posts here to try to conince them to do it )
Good luck,....

No matter what reasons or disputes or disagreements you posted or are going to post.  Same conclusion from me. That is, ...
....If you want to wait for the reader here to decide and take action after believing what you had posted here....(especially without you taking any action to inform the authorities but merely posting of your posts here to try to convince them to do it )
Good luck,....

Perhaps you hv not been long here to notice that forummers had been warned of off topic discussions here

Even some posts that which i strong believes are related to insurance had been deleted too.

Many other things are ridiculous too...
Example, just example from my POV....
Asking readers here to decide and take action after believing what you had posted here....(especially without you taking any action to inform the authorities but merely posting of your posts here to try to convince them to do it )

Don't move the goal posts...just tell of more info regarding the wrong doing of Aia vitality programme NOT just about your disagreements about what others think about your thinking, intentions and the end results of what you wishes to see happened

Yes, I've alleged many bad things about AIA vitality but I believe you've misunderstood some of them:

Chief of your misunderstanding is that ive alleged that AIA is leaking your data. I've only said that AIA vitality has not provided members the ability to opt out of sharing personal data information with partners/affiliates who are not necessary for the provision of AIA vitality insurance policy benefits. AIA vitality does not seem to provide specific, voluntary, explicit, deliberate and revocable upon request consent for the sharing of personal data information with non-vital vitality partners/affiliates

It is a muddled insurance and marketing value proposition. The vitality insurance and marketing policy benefits are not financed solely from the RM 10 per month processing fee. I believe that this RM 10 per month might actually be the administration cost. The insurance and marketing policy benefits are financed from marketing tie ups and savings one might get from a potential "healthier cohort". There is a risk that non members will be subsidising vitality members under circumstances where the alleged "healthier cohort" and marketing tie-up propositions flounder. If the additional vitality insurance policy benefits cannot be financed successfully from the savings from the alleged "healthier cohort" and/or marketing tie-ups, everyone subscribing to the main product (both vitality and non vitality policyholders) will have to foot the additional bill via increases in the premium amount to maintain original profit margin or even if there in no premium adjustment, vitality members where the vitality proposition is floundering will have a lower profit margin compared to non vitality members where the margin is higher, thus giving rise to subsidization allegations

Non vitality members will lose out as they have the same ability to be in the alleged "healthier cohort" of vitality members but are not afforded the same enhanced benefit. Why must there be a marketing tie up to provide the enhanced vitality insurance policy benefits?

You can also view the terms and conditions for yourselves. It explicitly makes clear that AIA vitality has the right to revoke, augment vitality insurance policy benefits including accumulated points, insurance policy benefits in a manner that leaves the members worse off for whatever reason deemed fit by AIA. There is no contractual certainty as to your vitality insurance policy benefits including accrued ones. This is unlike the core insurance contract obligations.

As for the sarcasm in this thread, this is innate to quite a number of thread posters. I am not elucidating for them, but rather for the people who find worth in what I'm trying to convey. They (sarcastic thread posters) are quite frankly doing a stellar job of showing their true colours. I couldn't possibly have asked for more. This is the way.

Kesian, haven’t move on

bro for posting like yours i wont find them offensive or need to be reprimanded.

the only thing i see is you lack the locus standi to complain
so after  presented the facts cukup.

many things in life is like that
people just believe in what they believe
until they learned.

example many  people buy Unit trusts
withdraw from EPF etc
dont really make money even lose money.
they will learn it themselves.

Vitamins and health supplements so many people taking
despite no medical proof of real benefits

you want to tell them not necessary  dont buy?
i wont.

Please create a new topic if wish to discuss on those non general insurance policy matter.

This is topic is more cater towards general public discussion on basic insurance policy matter, instead of talking on too deep or more advance level into pdpa, or distrust, even some may be conspiracy theory, or whether a person have right to post or not. There are too many this kind post on this lately, which most this topic readers many not interested nor understand.

Forum place doesn't have vested interest, and doesn't prohibit nor intention to promote any insurance.
But if one has negative view on insurance, it is nothing wrong also, but please create another new topic for that. It is another scope compared to this topic.

Thank you.

For non-Muslims, is there any catch for buying a pure protection life insurance takaful plan? Or does it work the same as a conventional insurance?

whoa bro this  should be of interest to many.

so non muslims taking takaful plan must be careful
may lose benefits without knowing it?

the last para sounds scary...
?non muslims can be ejected any time and money returned?
please elaborate more on  that.

how about  Motor Takaful car insurance?
anything  special for non muslims to know?

Yes, thanks for confirming and reinforcing what I had been believing.
I just check with my agent... still as what had been told

Got to hate snake-oil ppl like you who spread misinformation by telling half-truth.



Highlighting the above paragraph without mentioning what's the purpose of that paragraph with the intention to deceive ppl that clearly writes "Nominee other than nominee under subparagraph 5(1)"

What they are talking about is the "Payment of policy moneys where there is nomination".

You mean to tell that the info from Tokyo marine is not right in the eye of the law??(unlawful)