Scam.

When want claim they tell you to use your own money to pay first and claim later.
Now, under emergency how people can suddenly get a few hundred thousand for surgery?
Later claim also not guarantee they will approve the full amount.

Either agent didn't explain to you properly & you didn't see the quotation documents - for GE the standalone plan's commission is HIGHER than the investment-linked policy AND standalone plan's (only the medical card portion) premiums are higher - that was 5 yrs ago when I studied the brochures. Now I dunno d.

Fk... Got one insurance amoi keep suggesting to me high net worth  individual plan.  At the end of duno how many years can take duno how much....

I read macam doesn't make sense....how come pay 4-5k  a month only cover 1 million upon death? I read many of my friends sell those hibah Islamic card , only few hundred a month then upon death can get around 500k like that.... Seems like 4-5k pay 10 times more but a lot of the money going somewhere else.