Insurance mmg one fuk up system .

The more honest the agent is , the more likely that he will lose the sales .

Just about tells you everything

rejecting heart treatment due to kidney stone? how? why?

That is why BNM need too regulate..imposetime bar on previous illness..

if the disease healed or treated for more than let say 8 yrs.. the exemption clause should not be used..

ini penyakit 20 years ago pun nak relate back to current illness.. but every year always do marketing no medical chack promotion.


puihhh.. brb.. terminating my prudential

most b40 in this country dont have personal insurance and cant afford it. rilek je. janji maruah bangsa dipertahankan.

People go to private because they can get instant care. That is something government hospitals cannot give you. I am not saying government hospitals are lousy but government hospitals are usually overwhelmed with patients.

Insurance covers all sorts of things. My wife had complications after giving birth. So, according to you, I should just let her suffer and and let her pass in peace? Thanks to insurance, all her medical bills were covered. The total cost reach nearly 20K. Yes, I can afford it but it will be a big pain to my pocket.

You are young, strong without responsibilities now. You can easily say things like this but wait until you reach certain age, then you'll know. Let's see whether you'll say the same thing when someone you care like your parents or siblings suffers from disease or have an accident. Will you also say just let them die in peace? No point saving them anymore as after surgery nothing is original anymore.

Nobody ask you to abuse your health after getting insurance. Nobody is so stupid to want to screw up their own health. Even if you practise super healthy lifestyle, there is no guarantee you won't get disease or accidents. There are so many people who are super fit and healthy suddenly fall ill or die. Insurance is just a protection. It is not only for yourself but your loved ones as well.

If the person disclose his 20 years ago illness openly, he'll not face any problem with claims. No medical check up is to encourage more people to take up insurance. However, a lot of people especially under advise for unscrupulous agents do not disclose their real medical conditions which resulted in complication when claiming.

Calculate yourself how much insurance u have paid before hand to get 20k reimbursement? If u have save just rm200 per month that would have been easily covered.

U are right no one wants to screw their own health, but ppl cna go as far as no taking care their own is beyond me.

I won't buy insurance for my family. They all know, if they deem it worthy by all means go for it. For me I'm not buying. If I die the next day, even at my age young and healthy, if I married next 3 years and I sudden death, I have enough amount to let my spouse inherit to an extensive amount.

I rather have my own cash by not buying insurance. Worst when u buy insurance kena reject when u really need it.

As to why the claim was rejected, only the customer, agent and Prudential will know.

There are legal avenues for disputing the claim if he feels that Prudential had rejected his claim blindly.

The insurer will not simply reject the claim if it has no basis for rejecting the claim. Since it is a financial product and a legal contract that is bounded by terms and conditions. Eg, go swipe your credit card and don’’t pay on time. You can’t claim that the agent did not inform you right?

One of the most basic and important T&C in insurance is that all insurer will not pay for any Pre-Existing illness if it has not been made known to the insurer during the Medical Underwriting process. Otherwise everyone will just wait until cancer were to occur before even finding an insurance.

There is also a poster that commented that 90% of the claims in hospital is rejected by Prudential. If that is the case then why make a dupe to comment and why Prudential is still accepted in most private hospitals?

It's up to you if you don't want any insurance but to call insurance as totally useless is just not right. I buy insurance and might not even use a single sen until I die but I will not say it's a complete waste of money as I feel more assured that if something happens to me, I have some sort of protection. Like I say before a lot of people are thankful of insurance. You keep hearing case of insurance getting reject but there are millions of insurance claims approved where people do not highlight.

You keep thinking about death but there are incidents where you are permanently disabled or suffering from long term illness. Like I say before, you might be super fit and healthy but nobody can predict the future. What happened if you suddenly suffer from some accident and permanently disabled. None of your family members will give up on you.

Your mentality shows that you are still young and without any responsibilities. Wait until you really get married and have children or wait until your parents are older and start to have health problems. Let's see whether you will still say I will let my spouse enherit an extensive amount. Youngsters nowadays seems to think they can easily become millionaires.

rilex. if b40 can survive should be no problem.

just apply this. free of charge.

https://www.pekab40.com.my/bm/soalan-lazim

So. U just prove my point. Insurance is for your sense of security. To feel safe. Shit happens in life, an insurance didn't change the outcome of it dosent it?

Having those money and whatever plans go to insurance would have better use elsewhere. If u are so so so so so afraid of the miniscule chance u might die or disable for life, heres a free advice, go buy a car with highest safety standard and u drive below speed limit. U can die/ handicap from automobile accident more than illnesses even if u do regular check up.

And even if u have the safest car, no one is going to guarantee u won't get hit by a truck going stray. There is so much u can do to prevent to migitate the ' what if' in life.

Back to insurance, so why being so afraid in the first place? Well maybe because thats what insurance agent like about ppl like u. There are tonnes and tonnes of way to secure or even outright reduce the chance but hey, gonna use a strong perfume for bad odour instead of shower isnt it?

Boomer like u don't know how to earn and playing the safe game knows nothing about risk. What's the point living afraid this that, cover the ground, have some security on this that. Why not earn more income, find a job that cover u and your children insurance (woahhh mind blown). If u like it go ahead, there isn't right or wrong. To me is a complete waste of money, having your families or spouse inherit enough in case anything happens to me is better than buying this that to cover up the if where the chances is so small.


If you really really betting on u will need the insurance claim, might as well start buying lottery. The chances u ever need the money from insurance is almost the same chance as winning 4D, perhaps 4D might be higher.

Having u said u get to claim 20k (such a small amount), is like some living changing event actually just prove u yourself aren't prepared. Like I said, saving rm200 per month in fixed deposit would have enough just over the span of few years. But hey insurance is safety bro.

Alright u do u.

This post has been edited by littlegamer: Feb 22 2021, 05:47 PM

well... if reject, need to find out why... if reject without reason goto consumer court high chance to win.

medical insurance, is an assurance to doctor that they will receive money
saving, is an assurance that when matured you receive money
life, is an assurance that your next of kin receive money

depending on what you want / need though.

You still don’t get the purpose of insurance. To you it’s a waste of money as your are young and mighty. Can take on the world. Can easily make money through your investments and live comfortably for the rest of your life. Maybe you can but to a lot of people, they can’t and that is where insurance comes in. Even the rich and famous people buy insurance. Are they all stupid?

Today I managed to claim 20k. I might not claim again for the rest of my life but if unfortunately, I might need to claim again when I have already retired with no steady income. 20k to you now might seems like peanuts but when you’re old and without income, then you see whether 20k is a big deal or not.

Like I say before, your mentality will change when you’re older, married and have children. Youngsters like you are super clever about taking risks. Always think boomers don’t know about risks. You all forgot that all boomers were young before and they have experienced all sorts of ups and downs before. Don’t cry to mommy daddy when they need to bail you out 😀

relax guys.

just exercise regularly.

god willing nothing happens to you.

My sole reason of buying myself a medical card is to not burden financially any of my family members, should I one day require medical cost/ surgery/ hospitalization.

I am responsible to my own medical welfare. Not the one that pass on the bug type, tak kesah.

Second reason, I pay my medical card to protect my wealth. I wish to pass on my wealth bulat bulat to my family and not using it to pay my medical cost.

Just me.

This post has been edited by jojolicia: Feb 22 2021, 06:25 PM

my agent mia for 13 years. No courtesy call /contact me to remind me my policy due . Zero effort to reach out.

Last year suddenly received msg from her promoting new scheme upgrade policy , top up $$$. Business muz be real bad till like this.

I would say, please do the math. You are not passing on your wealth bulat-bulat. Part of your wealth is going to the insurance company. Calculate the amount over the course of your life. How much will you get over the years if you place it into the EPF? It is not negligible.

The insurance companies have already done the math. The total amount the average consumer pays will always be more than what the insurance pays out.

If you can afford it, forget the medical insurance. How much is enough? How much is your insurance coverage?

The fact u think that getting matured means to buy insurance just prove u are just some boomer. Rich ppl buy insurance means they are right?

With your logic Rich ppl make money to buy insurance why don't u, why don't u also be rich like rich ppl? U can learn to buy insurance like rich but can't be rich like them? Your argument is completely flawed.


U can't even agree that saving rm 200 for few years will get your 20k covered. I don't know sounds like someone fail math during standard 6 but talk like it has maturity. Any dumb insurance plan also cost rm200.. The premium one might be even higher.

Go learn how to save rm200 per month instead of clinging to the idea insurance make u safe. A father that can't pull 20k cash to me that just sounds irresponsible in many level. Knowing your kid is growing up and starting a family.

I don't need cry mommy and daddy to bail. Cuz unlike u being a irresponsible dad, my parents and family take care their own health, and have emergency plans for everything including medical. They don't buy a security. That 'HAVE' security. Me being so young already have the same security just shows u might be too reliant on insurance.

This post has been edited by littlegamer: Feb 22 2021, 07:17 PM

Ohh no I just upgraded my Prudential medical card to premium

This post has been edited by Ahsin1987: Feb 22 2021, 07:31 PM

Cancelling mine now...