So he got no choice eventhought he said "There is no contest here. I would choose option 2 anytime and anyday."?

Yes. It's called having 2 insurance. Old insurance and then have new insurance which is not yet 2 years old.

That is the only way.

Nobody is treating anybody like a criminal? Tell that to Ramu. Dig out 6 years of medical history, got nothing and still not a single sen paid out, still demanding more records.

Very simple. Let the insurance company take losses. Last time I saw they are still very profitable.

Cannot la like that. You sign contract with insurance company, you pay them money, they promise to pay out when you need uut, until now no payment even after 6 years of medical records being dug up.

If you take my money, you better pay up even if you need to make loss. It's a contract.

This post has been edited by Ramjade: Dec 18 2025, 11:28 AM

So you got no other choice if you got only 1 "new" plan.

So you got no choice unless you continue to pay for the "old" plan until your "new" plan is over 3 yrs old.

So you got no choice unless you pay 2 plans (old n new) during this interim period.

So you got no choice unless you pay more and hv "old" plan at hand

Bro, stop pusing pusing with the issue lah.

I already mentioned many times, Ramu's case is very clear cut nobody went and actually attend to the issues that is just left hanging.
And it's frankly not that difficult (at least for me).

It was never a David vs Goliath situation until you make it out to be one.

It's a contract mah. Each party needs to pull their weight loh.
If the insurer is failing to honor their part of the contract, please proceed to sue.
There is even FMOS providing free legal services for situations such as this.

Seems like RAMU, does not want to continue to pursue, ...ha ha ha.

He wanted the payer (insurance company) to get those documents required to do investigating and support the claim payout themselves.

Just wish that RAMU will have a change of attitude, else, I think BNM or FMOS also cannot resolves it

This post has been edited by MUM: Dec 18 2025, 12:09 PM


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Ramu can always authorize his agent or someone he knows to retrieve these things on his behalf.
Also not difficult at all.

He said "enough is enough, no more document submission".
And choses the path to go public of his agony n frustration instead

This post has been edited by MUM: Dec 18 2025, 12:32 PM

I personally would zero in on his agent's lack of action.

Yes it's a contract and the insurance company is not keeping their part of the bargain. 6 years of clean record and still don't want to payout.
Got third way. Is pay and claim first but you will become like Ramu. Everything they want to investigate. How long who knows? Maybe long like Ramu and still left hanging. Basically got insurance but like no insurance at all cause everything you pay yourself.

Fourth way, just pay yourself. Once after the 2y period then use insurance.

This is provided you don't have any old insurance and only 1 insurance.

If me also, I will do that. I will write to BNM and find OFS.

This post has been edited by Ramjade: Dec 18 2025, 05:51 PM

Then you cannot have option 2 as you posted earlier....

Also I dont think BNM or FMOS can help you if you does not want to continue to submit requested documentations like RAMU did.


This post has been edited by MUM: Dec 18 2025, 06:29 PM


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