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Insurance Premium Naik!
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nihility
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 Jul 28 2023, 10:27 AM
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QUOTE(karazure @ Jul 28 2023, 10:07 AM) Unker just go this, 1 of my policy wanna charge me extra 80 per month le. any maha /k can advise mau up or maintain. I read say can maintain but will effect sustainability wo...wtf do that mean. is this scam?  inb4 /k all kaya, no need insurance Call your servicing agent. Ask him how come last time explained the premium once locked / bought earlier, it will not change but now how come got revision & got extra , else will effect sustainability ? See how your service agent explain when he used that point to sell the plan years ago. |
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nihility
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Jul 28 2023, 08:02 PM
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QUOTE(Accord2018 @ Jul 28 2023, 12:12 PM) No such thing lock. Sure got clause you din notice similar to " we can revise the price from time to time reasonably" If the economy gets worse and higher inflation, then the premium will keep increasing. Recently a person had a stroke, 36 age only, medical cost hospital and Physiotherapy already more than 200k. And that person previously only pay 200++ per month like TS. Already experienced this revision of premium 2 years ago. My SA got grilled by me, I was so furious , I asked him “ did you or did you not said the premium will be locked / frozen, the earlier you buy, the cheaper it is?”. He just remained silent. Had they are more ethical & made known this, I”ll not be that angry. Now they will said it was due to the BNM instruction/ regulation. All my kids premium , I decided to purchase from another agents after the incident. My intention is to get TS to grilled his SA if he was promised the similar, mana tau he said his SA no more. |
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nihility
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Jul 31 2023, 01:26 PM
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QUOTE(Ramjade @ Jul 29 2023, 09:56 AM) You buy from what company is the same. All ILP will have this problem. Only way to avoid this problem is buy standlaone. But standalone can also have this issue if say not enough money in the insurance pool already. Their PA don't think it's under Generali. Personally, I'm ok if the conditions are made / declared upfront. What I'm pissed off is more on the way the SA carried out their sales talk. |
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