https://x.com/surayaror/status/1815329794760040826

i dulu kena few times aready...hence now no more insuran liao...

due to ride mr3?
cerita la sikit...

ni yang seram nak ambil insurans

Be your own insurer. Don't buy......

no la...it was over more ten 10 years ago punya cerita


in short

when do claim .rejected...this not inculede that not included etc stoli

insurance is a farkiin scam... better for one to collect emergency money up to 500k-1mil... for any issues that miight ariise...

but if you're B40... no choice... you're at their mercy...

Both Insurance companies and Private Hospitals are dicks. The former will lure u with fake sweet promises of easy claims and a fake sense of security just so that you will buy from them, and the latter will markup and overcharge your bills with all sorts of unnecessary tests and medicines when they know you are paying through insurance. Insurance companies will then react by tightening claims with stringent T&C's, then a neverending cycle of wayang between these 2 money making cocksucking of a fuck companies. In the end, we are the ones that kena game by them.

Itulah sebab we should stop relying on insurance. Masa muda tu kerja kuat, jimat cermat simpan duit dan belajar buat investment. That money in our bank account is much much more reliable compared to insurance

If you pay first and then claim, can be quite difficult to claim

However if you get guarantee letter first, and hospital pandai buat kerja, then normally no problem. This AIA case already settled, and its because the report from KPJ was not consistent that's why rejected.

Insurance is still useful, you save money also no guarantee that the amount you save will be enough to cover the unforeseen medical costs.

'treatment can be done as outpatient'
yup, been there. who the hell last time people said demam sikit pon boleh diwad kat hospital?

this is one of the reason i prefer public hospital, no GL rejection bullshit.
and still been able to get abit of diagnostic work and treatment too despite of cheap rm1 fee.

last time i get outpatient consultation GL from my work insurance company, GL issue take near to 2hours, i just follow advise from hospital to got meet doctor with risk need to self pay first. when collect ubat, eyedrop tak cover, need to pay. but im impressed with that hospital pharmacy ask if want to take medication from the hospital or want to buy outside because hospital wan is more expensive.

This post has been edited by zerorating: Jul 24 2024, 04:03 AM

and no guareetee you will get help from insurance company either. myself i take insurance despite lack of trusts, but i focused my effort on saving much more. now my saving(not included illiquid assets) can cover 3 times of those insurance yearly cap(6 figure only)

This post has been edited by zerorating: Jul 24 2024, 04:07 AM

post #2 will help, they're governed under BNM..they're not free to do whatever they want

Not the first time hear about masuk one dignosis then keluar ++ a few more...especially KPJ...

Rm19k is not much. Wonder why they(aia) dont pay.

This post has been edited by forgotoldlogin: Jul 24 2024, 11:15 AM

thn what's the purpose of people paying the medical card for?

I mean AIA. Wonder why AIA declined.

I read the entire update on X. It was wise of them to kick up a fuss and viral this case out to garner attention. There are plenty of people out there who will blindly accept what insurer say and just fork out from their own pocket even though it’s the insurer’s role.

T20 spotted