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.

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.