not again ... ayam abandonment issues piling up

I bought aia medical.. 100k limit per year..

Me using allianz, so far ok
1 million per year limit
Claimed few times before

This post has been edited by lorrydriverrocks: Feb 22 2021, 01:12 PM

if you understand the history of how Insurance first came about, it was invented by the rich to safeguard themselves without losing too much financially.

Unless you're willing to use your hard earn money to pay for unfortunate events, it'll definitely dry you up faster than if you've bought some kind of insurance.

Insurance is a tool to transfer your risk to the insurance company for a fraction of the cost. If you're not leveraging on it then I guess YOLO right?

I didn't know "Predator" have insurance plan

A lot of all this claims rejection are caused by non-disclosure by buyers and agents. There are a lot of unscrupulous agents out there who misrepresented insurance policies just because they want to get the biz. Can’t really blame the insurance companies as the pay based on the terms and conditions of the policies. Always understand what you bought. Got insurance does not mean you get covered for everything. That is what a lot of people do not understand and a lot of agents failed to make them understand.That is why getting a good agent is vital as even though there are a lot of lousy agents, there are also a lot of good agents too. Changes are being introduced by Bank Negara to improve agency services. It is still work in progress but I think in the next few years, only the good agents will survive due to good service.

That's true.

1. Insurance company has the duty to pay out claim if the condition meets the criteria as stipulated within the policy.

2. It's also the insurance company duty to make sure that the claims are genuine and no fraud is taking place; the insurance company has shareholders and other policy owners as stakeholders, you also don't want the insurance company to make payout for a fraudulent claim. Otherwise as a shareholder, you'll be losing investment returns whereas policy owners will face repricing of their premium.

3. It's true that BNM has step up their game to make sure agents are more professional with lesser chance to do this career as "part-time". However , there are still agents who will do the shortcut way or the illegal way. Just a matter of who you engage with.

This post has been edited by lifebalance: Feb 22 2021, 01:37 PM

Sorry, but I have to disagree. Insurance was originally intended for businesses to smooth the cashflow.
https://en.wikipedia.org/wiki/History_of_insurance

A person rich enough to afford the medical expenses should not buy medical insurance. Statistically the odds are stacked against you. If that were not the case, insurance companies would go bankrupt from losing money.

Never use medical insurance for leverage. If you cannot afford the medical fees and need the insurance, please pray that you never need to claim that insurance.

well I'm not really expecting a positive feedback. Like I said, insurance is a personal benefit, if you think it's not for you, don't sign up for it.

Seriously, how high are the chance u get life threatening disease? And often when ppl have cancer or anything tragic to your life, I'd doubt the reimbursement will cover/ cover enough.


Thus I mention, if u are so sacred of all these unforseen things, go do check up every 6months. Is a frequent enough time frame to discover any early symptoms.

The point of insurance is never to protect u. It to buy a sense of security.

This post has been edited by littlegamer: Feb 22 2021, 02:36 PM

can like that meh? change of terms can do by sms ke?

ayam think its roymustang whatever familiar sound like that

roystevenung

Insurance is like buying lottery except that you do not want to kena this lottery. You are buying protection just in case something bad happens. It might not even be for you but for you family. There’s no right or wrong about buying insurance. Just be sure of why you buy and clear about what you want to be covered.

A lot of people have the same mentality like you where they think the odds of getting life threatening disease is low when they are young. Even if you do check up every month or have a healthy lifestyle, there is no guarantee you won’t get disease later when you’re older.

A lot of people regret not getting insurance later in their life when they need it the most. When they need to chalk up huge medical bills, they will then say why did I not buy insurance earlier? When you need to dive into your retirement savings for medical bills, then you’ll know the pain. Insurance might not cover all but it helps alleviate the monetary pain.

A lot of people complain about claiming from Prudential is difficult but it is actually something good to the industry. One of the reason why medical inflation is happening is caused by easy insurance claims. Private medical centres will simply charge everything if they know you have insurance. Try comparing a bill without insurance and with insurance charged by private hospitals. You will see a clear markup when there is insurance. In the long run, this is the reason why private medical services is getting more costly.

I only have insurance from my company.

Dont kecam me and agents please dont PM me

Im not interested in getting personal insurance

even lamtin r saintner compare to em

Ini semua agent punya pasal la nih

Why the wishing part

AIA would be the best.

Then don't go private then. If really is so bad u need a lungs transplant or a quarter of kidney, or u need some synaptic nerves connection. Any major shit that u needed a huge sum amount to fix yet u won't be original after you have heal is something even with money cant solve.

If I have such issues after frequent check up, then no regrets. I will just ask for pain killers and let me pass in peace. What's the point living fighting an illness that it cripple me to a point even after recovery my life is still affected, not to mention my family side.

People will go buy insurance with a high premium, smoking and drinking every possible chance they get, never look after their weight. And junk up their stomach everytime they have chance to enjoy good food.

To me they are like have bad body odor instead of having a shower frequently, they go buy excessive amount of perfume to mask out the smell.

To me this is something just crazy...

That said if u have known to have weaker body, susceptible to normal Illness very frequently, chances are they might have more severe condition as they age. In such case get insurance by all means.

Else taking carew what u eat and sleep well goes a long way.