Is there a way to change insurance agent ?
I just started paying for 1 year and half.

Thnx in advance

Sure not to the insurance agent. The insurance agent is rude and has bad after service.

Allianz. I'm just asking first.

What if commission transfer to other agent too ? Can't do that?
Sorry, I have no knowledge with insurance

Then is my bad for signing up with this arrogant agent.
Quite unfair really. Bad agents still be rewarded

I did not meet face to face with this agent. Recommended by my sister. I signed within 1 week. This is the wrong move I made. Hasty and desperate at that time. Now when it comes after service during pandemic he is very rude.

This post has been edited by kawa_e: Jun 28 2021, 09:50 PM

My salary is being deducted half now due to lockdown. So the premium is taking a chunk out of my salary per month (B40 lowest tier)
Cutting off the policy of 1 year half might help ? I don't know. I don't like that agent. I know there is no deferment in paying premium now.

To answer lifebalance, I was only asking but his response was no choice etc etc, if I go to hospital who will pay those sort of thing and asked me to stop talking about my job with what I paid for insurance.

Well yeah, maybe I am the hot headed here.

Thnx Ck, unfortunately I can only PM. Providing info here is too risky. I don't know if the agent is here. Whenever problem arises, he would only talk to my sister not me.

Yes my concern arised because of my salary deduction. Yes you were right. He was lack of concern and the way he wrote me those message kind of pissed me off.

He told me before that I could never deduct anything in my policy only adding.

Thnx CK. You guys are helpful. After venting I feel a lot better actually

It is a medical plan (Allianz Medisafe Inifinite Plus)
Basic sum assured rm100k. I pay monthly rm300 for 37y
Policy started Feb 2020. Here is a bit of screenshot of my summarised
Policy.

https://ibb.co/HFxD429

I'm concerned if I get any disease I am not able to pay for the hospitalization and treatment because of my income.

This post has been edited by kawa_e: Jun 29 2021, 12:59 AM

I hope I can contribute more down the road.
I have seen so many young and old people could not afford treatments after struck with disease. That is a horrible situation to face

What is ci/tpd?

Thnx for the clarification. I hope mine does cover temporarily for few years to come. Touch wood.

Medical treatment is costly and scary place to be in if you were in that situation. I know my place financially so I think I'm doing the right thing. But finding a good agent is not as easy as I thought. Nevertheless, what's done is done. Will not make the same mistake again.

I just realized my insurance premium gone up RM164 since Feb and I havent pay for the increment yet. Could anyone help me decipher my policy ?

Yes. I didn't realize it. I didn't study deeper before signing for one.
Allianz Power Link. All I ever wanted is to get covered when I entered hospital if I have illness. This new premium is too much and taking a chunk from my salary. RM464 a month. I am not sure if this policy is good enough now. Anyone I can pm my policy to ?

Not sure about number 2.
As for Number 3, my cash value is almost negative because I could not pay my insurance for almost a year due to lost of job back in Covid

Thank you for your advice. Appreciate it. Texting my agent now. If he is not doing anything, will see.
I believe my coverage is the basic ones. I am not sure what else to deduct. The riders seem quite important. Critical illness and etc. My fear is to arrive at hospital, sick and unable to pay for treatments. I am also quite old so anything could happen.

Incase I fell sick I might not have money to be hospitalized. This is what I am afraid of.
I don't have the emergency money for that.
I am nearing 40s so anything could happen *touch wood*

What is basic assured the same as death benefit ?

My insurance is summarized as below. I haven't claim anything yet. I wish I dont have to.
Yes. I hope I could work on it. My salary has been stagnant for some time and below RM3k. There are some stuff happened in my family so I could not even save.

If not mistaken, I did ask for zero fee if admitted to hospital.

Allianz Power Link - RM300/month (will reprice to RM464/month)

Basic sum assured - RM100k. Cover 37y
Total Permanent Disability - RM100k. Till 71y
Prime Care+ - RM50k. Pay & Cover till 100y
Prime Care+ (Cancer Recovery Benefit) - RM17,500k. Pay & Cover till 100y
Prime Care+ (Diabetes Recovery Benefit) - RM10k. Pay & Cover till 100y
Prime Care+ (Catastrophic CI benefit) - RM10k. Pay & Cover till 100y
PACover - RM100k. Cover 37y
PayorCover - RM3600. Cover 37y
PayorCover (ETPD) - RM3600. Cover 37y

Medisafe Infinite (base plan)
Room - RM150
Overal Annual Limit - RM850k. Unlimited lifetime. Maturity 2057. Till 100y
Hospital Asst Fee - Till 100y


This post has been edited by kawa_e: Nov 16 2024, 10:58 AM

My insurance is lapsing soon as I could not afford the increment. The increment is more than 50% since last year.
My agent didn't help much and he is too cocky. He said let it lapse. Lol. I was wondering if I could change agent or let it lapse and buy a new policy?

My current one is ILP and I need a medical card.

Thank you in advance

new premium since 2024 @ RM464
old premium since started @ RM300
I opted for a zero deductible. I understand this is expensive but with the increment, I could no longer afford it as I have a strict monthly commitment with family

I am torn between keeping my policy or getting a new pure medical card for now but for sure I cannot stand my current agent. He even belittled me when I had concern
Allianz policy btw.