kena sack inkambing

kena sack from who? the brother is subscribing to prudential. he is not agent.

Ask any hospital staff, ask them which insurance always reject patients insurance claim.

The answer is always prudential. My friend told me around 90% of his patients got rejected. It was his advice to steer away from prudential

what insurance you recommend ?

wild_card_my

normal like this, they selling insurance and want your money

AIA
Trust unker

Any agent can clarify?

agent didnt inform company previous illness?

On what basis were the claims rejected? Your friend is a doctor?

But prudential really a pain in the ar*e when admitting to hosp..they will interrogate the doctors..the doctor who handles my case was totally pissed off by prudential..after all the hoo ha drama, I still manage to get the GL

But goddamnit, received their sms today that my insurance premium increase by rm20

2018 video
better close tered before PRU send LOD

ayam canceling all my insurance plan oredi.

sudah to the moon

Now like going out nude? Or subs to other plan?

go nude je

not like gon get attack on heart once cancel plan.

been paying all this while but never used it once, feel like wasting money feeding the agent.

didn't even wish me hepi CNY

Wow....... luckily I Great Eastern.

My experience with Prudential BSN has always been OK, cuma usually nak discharge to a bit longer sebab dia tanya macam-macam kat doctor.

4 surgery/op, semua dapat claim.

Go AIA la.

Actually should be thankful you dont need to claim.

Or maybe you got fetish to slap that white innocent pure nurse uniform.

those white slacks do be tight with panty line obviously showing

mmm santai dgan akak pantai hosp

surgery apa bro?

Dont know much but never prudential.

When you say 90%, then it usually means there are many non-disclosures by either the agent/customer or customer suka-suka claim things that are not claimable. With such high rejection rate, the regulators will come in already.

How come other insurance rejection rate is low? When prudential rejection rate is so damn high even hospital staff take note of its rejection rate.

no wonder my fren jumped from prudential to aia
last time promote prudential kaw2 now kutuk kaw2
i tot gimmick only to make aia looks good

So far mine is good. But never trust them 100%..

I have personal experience with both. AIA so efficient. Prudential mahai banyak excuse. Unfortunately my insurance with Prudential. No choice. If you haven't buy yet, get AIA. Now I am thinking to get a separate Medical Insurance from AIA.

his face and look no need take video online.

just 1 kampung go to the head office with video and chanting "Malay ditindas"...

konfirm the manager straight kneel down apologize and approve claim.

You should watch his video. Don't stereotypes. This Abang consider EQ very good given his situation and no screaming Melayo di tindas.

Unker sappork this Abang.

This post has been edited by NB01: Feb 22 2021, 11:26 AM

Deswai don't rely on insurance... just save your money to pay for own medical expenses.

how many years ady u service?

i think i surrender in 2011, so now like already 10 years ++, nothing big happen also, imagine if i keep paying for the last 10 years, agent sure kaya raya

same like u, felt nothing after service for 2 years, i dont feel any value paying insurance. Decided to stop, agent no call me also when i surrender

i was just saying he got the look to make any manager shaking on the leg.

his look + malay + ditindas = super weapon that will destroy any manager face to face.

KNEW IT.

I think I signed on 2018. It's not that it's a heavy commitment but that pocket change can be entertainment expenses if ya know what i mean

besides, as long as you're prepared with hospital funds right.

aiyah biasalah agent take your money and just cabut.

Prudential memang problem.
Nak masuk hosp susah, every year fee naik.

Best so far:
AIA
Great eastern.

Source: my wife - private doc/great eastern takaful agent

Left collar bone (2010), right collar bone (2012), knee PRP and liquid extraction (sebab koyak ACL, 2019), and elbow PRP (Golfer Elbow, 2020).

To be fair, the first surgery je I claim full, the rest I claim benefit je sebab the full procedure covered by company insurance. And yes, I broke my collar bone twice. Semua salah JPJ tak mantain jalan.

This post has been edited by emino: Feb 22 2021, 11:37 AM

rm26K for kidney stones operation. wow

agent liddat one

belum sign up all sweet one

after that bye bye

Pre existing illness memang tak boleh claim wat.

Sakit batu karang memang ada link stroke or sakit jantung wat

This post has been edited by tikaram: Feb 22 2021, 11:39 AM

So his problem is he can't claim preexisting condition related hospitalizations?

ada sakit mah claim la, if not buy insurance buat apa? charity?
but need more specific on the rejection
would like to know why

insurance cheat people wan....

Agent aje masyuk dapat ipad becuti hnghhh

Ok la tu, ko ingat senang ke agent insurance nak cari makan? Ramai dapat tau kawan jadi agent insurance terus block nombor atau kat social media hahaha.

Confirm the agent didn't declare his pre-existing condition in the application form.

I bought my dad a prudential medical card in 2015, but the agent said no need to declare anything and just sign the form & he'll fill up the rest. We didn't follow his advice and declared everything.

Had to do some medical checkups and they approved the application for higher contribution. for the past 3 years, my dad in and out of hospital for kidney stone also. Never had a problem claiming.

Only wished we had gotten a different agent instead cos the a-hole still got his commission even tho he gave us the wrong advice.

It's not the insurance co but the insurance agent. They will get you in trouble if you're not vigilant and just believe their sales pitch/lies.

Nothing new. Went to P@ntai recently they wanted RM30k. Decided to get a second opinion at UMSC Private RM4k only. Reason is if it can be treated with the shock wave it is cheaper than their so called surgery using the scope to remove the stones. So always get a 2nd opinion because the doctor first question is have you got insurance. Got lectured some more by doctor in P@ntai why my medical insurance coverage so low. Not everyone earns mega bucks to pay for insurance. In the end I submit the claim myself to Great Eastern and got reimbursed very fast. Saved GE RM30k and also save my ciput life time limit of RM200k. Peasant in Malaysia story why Private Hospital sucks you dry.

My brother's employer (group insurance) paid close to RM50k to get his stones removed by a "famous" urologist in KL.

rm50K for stones!

Maybe TS just upgraded from dial up to 4gb screamyx?

Eh btw now positive covid patients cant sign up for new plans?

This guy is famous if you get the drift especially when you have sex problems which Ktards sometimes quote his articles but he is the best in Malaysia according to my friend who is a doctor in all fairness. Even p@ntai wanted RM30k plus for the run of the mill specialist.

boomer dont nid insurance

so which one?


Dr Muhilan Parameswaran
Dr Christopher Ho Chee Kong
Dr Ambikai Balan Sothinathan
Dr Vikramjit Singh Saren
Dr Hemanth Kumar Ramasamy

did i missed anyone?

park

must be linking pre-existing illness

company wont suka suka decline. lesen BNM boleh kena tarik.

walao
now what age liao
cashless admission pls
no need claim claim

my mom too kena already expired cases from 2005 batu karang.. 2020 admitted to hospital cause of flight vertigo cannot claim.. str8 cancel insurance

I forgot his name but I like his articles in The St@r and he is very witty and knowledgeable. He was highly recommended by my own doctor to consult him when I had kidney stones problem and my brother said he was very good also. But unlike my brother, this surgery was going to be paid out from my own insurance limit so I went for the cheapest doctor available since it was only kidney stones.

I kana few years ago at S_MC also bill came out almost rm3K. non surgery. the stone sangkut along the ureter. just a few x ray check up by MO and, that's it. few hours gone and I am back into action!

claimed , as usual

to tell the truth all insurance company is tifu la.
what we pay month2 actually is agent salary


the big tifu is car insurance.

From the video,

RM400 per month, starting 2014.

Total paid = 400 x 12 x 7 = RM33.6k
not including interest etc.

RM26k claim rejected.

Bro has got a good reason to be pissed.

last year met a prudential agent promote plan to me

i say i want to see the TnC, else I won't sign

he say they dun have TnC, only have the handbook for customer to see plan payment illustration table, and some general TnC only

i say i want see a full detailed TnC, he again say don't have, ask me go official website check see, but can't find TnC from their page.

luckily i rejected him and say no detail TnC i won't sign


furthermore i find that what he explain to me is wrong after i read the payment illustration table, but he insist he is right

and very annoying, keep spam whatsapp me, and call me directly, chee bye

This post has been edited by CyrusWong: Feb 22 2021, 12:33 PM

haiyo, buy insurance only buy
great eastern la. apa prudential bsn..

Pantai Hospital mah. Probably Appendix also 20k

prudential bsn is takaful leh.
apa shout melayu ditindas?
already islamic brotha

Diamonds. Take diamonds out form stomach. Profit!!!

This is very common issue, my mum has heart problem, operation before hence I never got to buy any insurance for her. Even after the special board also rejected. Any difficulty you have before you purchase rarely cover by the insurance, if you lie about it, their investigator will also find out later, if you have any hospital record at all. So no point lying.

Change agent very easy, contact prudential HQ asking for new agent. They will send you one very fast.

Not about how long you pay bro, its about that particular health issue. Im sure in his policy, there's a clause there saying this same issue will not be covered.

It's important for the policy holder to check their policy after they've bought it to make sure the details keyed in is exactly as discussed.

Sometimes agent will left out or didn't fill up correctly.

Sigh...very unhappy with prudential's service...very difficult to admit hosp...even the doctor screwed me..

Somemore premium increase every year although agent showed the repayment would not increase till 80yrs.

AIA best

got free voucher for exercising as well

This post has been edited by spacelion: Feb 22 2021, 12:43 PM

ask for Formal Contract haha ,, they dont dare give

yes, Prudential indeed sucks when it comes to claim...

too fucking long story to explain, took us 6 months to settle, despite the seriousness of the patient condition...

on a side note, their plans are indeed very good when compare against others. i did an extensive research after the above case coz i want to change to other company, end up i still stick with Prudential... but seriously fuck the claim departments.

Only prudential insurance run like MLM company, their annoying sohai agents all post updates like MLM people. Success this and that, join this company la, free trip la, incentive la.

other insurance companies I dont see their agents post MLM style like prudential

This post has been edited by ah_suknat: Feb 22 2021, 12:52 PM

Can also partially blame the people who tries their best to abuse the system, there is this thing about doctor pakat/kautim with patient with their "arranged" admission.

I am just saying, that if he were to not pay that RM400, and just pay cash, it would probably be much easier. No claims, no medical reports, no begging from the insurance company.

If I were being stubborn, I would ask the insurance agent, does he get any discounts on the premium because of all the exclusions in his policy?

I believe you're subscribed to an investment link.

The premium/contribution is not guaranteed to remain the same until you're x Age, the insurance company has the right to alter it by giving you a notice.

What the investment link offer is a level payment on a monthly basis.

i remember got 1 ktard here is prudential agent. forgot the name. mohon pencerahan pls.

That's why I don't buy insurance. Same shit saja. The money spend on whatever insurance monthly or yearly, go put in some low risk investments. Really bad luck need medical bill confirm enough cover.

If u really so lan 7 scare got cancer or kuku pecah for in predictable reasons. Go do full test full whatever test every 6 months.

Still cheaper than paying insurance monthly getting nothing in return. Worst still when memang needed that insurance they reject. Chao ci bai.

Same goes to those insurance agent sell an empty promise in the name of ' you are insured if u buy'

ayam actually subbed to prudential since 2011, *o..shit*

How dare she no wish u CNY...

All agents same... They got new n good prospect, they will abandon the less profit one...

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