May be insurance just found out got precondition. Could be cheaper than 19k if entered hospital without medical card.
Can claim back all/partial premium paid if terminate policy because of this rejection?

This post has been edited by MGM: Jul 24 2024, 09:26 AM

Last time AIA was really good, but now so big become arrogant...

U still dont get my point. The customer didnt even need to admit to hospital in the first place. Minor case just go to clinic. The issue now is their type of people love to abuse medical card. Even simple cough and cold cases they are going hospital just so they can admit and get MC for few days.

Their whole purpose of their life is not to work but to just sail thru life peacefully. Thats why they love taking MC

Not possible. Simple warding even 10 days wont costs 19K.
The most expensive thing (excluded surgery) is MRI imaging but if bone fracture should just need x-ray that is not expensive.

Very normal. This is where agent comes in play. A good agent will help u to deal between hospital and insurer.
Bad one will MIA.

cb these days case tak viral tak jalan

everybody just sit and wait gaji masuk, padahal slow production la negara ni

AIA keep silent ?

Insurance is a two way thing....

You have policy holders that sikit sikit sakit...claim 1k, 2k...and dare I say...certain medical practitioner writes report so that insurance can be claimed....

You have policies that don't cover complete...and certain conditions....hence, just too bad...such coverage are just absurd

Obviously, it's a business model...and they need to "protect" themselves....otherwise it becomes a charity organization.....and no $$ is made.

For the facebook person....

a) check your policy coverage

b) check if company or personal insurance....

c) check what was the hospital diagnose ....sounds like personal accident, and might not be a health insurance consideration....You might be "huh"...but 2 different policies....

d) Insurance "poncy" regarding...increase premium due to inflation, medical cost, blah blah....and since you are regularly "sick"... need to pay more in co-existing , while moving to "newer/better" policies with "better" coverage...same premium....
are all calculated risks...there is NOTHING "better",except the fact....they wish to readjust the price.
It's called moving the "risk pool" of certain age groups....


It is crazy in other countries....and getting more "bad" in SEA region.

while public hospitals are reasonable/affordable... the "time/patience/system" is still fairly lacking ....
It's a sad price when you get into accident or sick...., and that is why....you need to stay healthy.

should be no operation and spend 19k is not reasonable.

Lel i doubt u are Dr, but neither am i.
However i dont think if insurer say can do outpatient RM200 and hospital will dare dare charge until 19K
Something is very wrong in this case.

Obviously hospital surcharging when they know you're medical card holder.

This is another case that government need to step in and require transparent charging standard for private hospital.

why canteen eat rice need price display but hospital no need?

Read the full thread on X. The agent stepped in to help but can’t do much. When it was viraled out, only then someone from AIA called her to apologize and promised to deal with the hospital side to get it resolved.

At the end of the posting threads, AIA responded with fully covered with the private hospital.

fell from 1st floor leh not from 1 step. like that u still go clinic? for me i will go hospital also at least got x-ray to check if any bone fracture and orthopedic to check thoroughly rather than go clinic first then ask dr to write another letter then go hospital to check again.

Victim said it is their first time claim in 5 years since with AIA. I dont think they abuse, more like hospital found chances to game the insurance.
It's not up to patient to decide the charges and the treatment. More like hospital VS insurance company, then patient become victim.

Dr see medical card straight eye glow jor, 5k job can charge 19k.

There is one major point you guys missed out.

"Inconsistency reports"



Masalah hospital ni, that's why insurance company reject claim

Fact

Insurance = Scam!!!!!

Pls la, u duno these ppl like to exxagerate things wan ah? Fell from 1st floor, what does he mean by that? He fell from the first floor window to the ground floor? He fell from the first floor staircase and fell down a few small steps down? How the hell does one fall from the first floor? Suicide?

U dont need to go hosp for an xray. Plenty of normal clinics have Xray. If its very serious then the clinic will refer to hospital.

if you bumi just utilize your ASNB as personal insurancs, put in money there as if you are paying for health insurance every month. At least if it's your own ASNB no "reject" when claim lol