Thanks lifebalance for the quick reply!
Looks like Allianz more suitable for me although Prudential COI looks lower.

May I know for Allianz, if I receive medical treatment in Singapore, will it limited to charges that equivalent local treatment in Malaysia? And whether it is pay and reimburse or it will be cashless as well?

Also, can we choose to invest GLOBAL ARTIFICIAL INTELLIGENCE FUND or ALL CHINA EQUITY FUND?
Thanks again!

Thanks for sharing, don't mind to ask if you're your agent's Friends of allianz trying to earn 50% commission? 😉
You can feel free to refer back to your policy on the projected return on the funds performances whether its between 2% - 5%

guess I caught ya red-handed .

That being said, there is enough Allianz representative in here including myself.
Do you want to pay off your insurance in 20 years time ?

Not an insurance expert or expert of any thing.
Just ksy poh abit while waiting for real sifus to response.
Reading from this,.....
“If requested for personal usage or through personal means, the patient would have to pay for the medical report himself.

“If he had gone through legal aid, the legal company would have to pay, and if through insurance claim from an insurance company, then the insurance agent would have to pay.”

The spokesman said the system was the same for any hospital in Malaysia."

Patient irked over medical report fee
https://www.google.com/amp/s/www.nst.com.my...ical-report-fee

My take is,
If the agent pay, then I am sure he will hv to be able to claim it back from the company.... Thus my guess is medical report fees is claimable for claim purposes.

do you have problem getting the original receipt and submitting to them?

I'd like to shed some light on this issue on medical report fees.
I assume that there is a cashless facility on your medical insurance, correct?
What was the reason it was not utilized?

The medical report fees on claims is charged to the patient. Even the receipt is issued in the name of the patient.
If the cashless facility is utilized, the medical report fee will be charged directly to the insuring company, and the report is then released to the insuring company for the purpose of documentation and subsequently paying the bill.

Secondly, I also wish to ask why is there no servicing agent?
Did you purchase the policy from a bank or online?
I ask because I refuse to believe any agent today will risk a complaint as it will affect their BSC.

Should you have bought the policy from a bank, then the one failing to provide the service is the bank. Banks act as corporate agencies selling bancassurance products, they then owe the service to you.
Should you have bought the policy direct from the insurance company, there are no commissions paid to anybody. Hence, you gta do these runs on your own because nobody owes the service to you. The insuring company is only liable to the amount being claimed.
Should you have bought the policy from an intermediary like myself, then he/she owes the service to you.

You're being investigated, therefore you're required to submit the additional document to be reviewed.

Complaining this matter to BNM will not help. Everything has a process, living in a microwave era where you expect everything to be instant, skip from A to Z instead of going through A - B - C ... Z.

If everyone wants to have their way on claims done, might as well make BNM as a claim department, everything deal direct to BNM is answerable sounds good?

I'd suggest you to be more patient and comply with whatever they ask for and it'll get by faster than you procrastinating and nothing is progressing

hi your case quite similar with me. I purchased a house , loan with public bank and the banker insists to sell me AIA life insurance in order to get a cheaper interest rate.

I have no choice but to adhere with it.After I obtained the policy document , insurance agent part is actually the banker name. I guess he earn commission out of it. After that whenever I want to perform claim or servicing , this banker won’t help and he also not familiar with claim process flow / operation at all. End up everything is deal with aia customer service to resolve it.

Furthermore bank policy unable to transfer to another servicing agent 😅 both aia and prudential also the same , cannot be transferred.

It took me around 2 months for a claim of rm7000. I have to walk in and email aia customer service , plus self pay all the documentation in between which cost around 100-200 , I don’t think that can be reimburse back.

Hi all master.

Thinking to upgrade / adjust for this policy.

PRULink Assurance Account
RM 160,000.00
-
Rider(s) / Rider(-rider)
Crisis Cover Benefit
RM 80,000.00
-
PRUDisability Provider Benefit
RM 20,000.00
-
PRUMed Benefit
3 Unit(s)
-
PRUPayor
RM 2,604.00 p.a.
-
PRUMajor Med Benefit
Plan 200
-
     
Any suggestion? Age 45