im not sure which section that discuss this, but im looking to get a medical card/life insurance plan from AIA


thinking of terminating my current prudential medical card

can direct PM me, thanks

Apasal mau terminate and get new 1 ?

the monthly payment got increase few times already, from 158, now is 222

and i have not used it once

like AIA, they told me, if i didnt claim, got rebate or something

Parking sin.

Looking too.

I have both insurance AIA and Prudential for my kids. In my opinion, Prudential is better.

Got such thing from AIA meh ?

prudential is medical card? or life insurance?

You sure on the last para?

Pitching new sale?

This post has been edited by jojolicia: Oct 16 2024, 02:01 PM

ya, heard this from my friend...thats why i ask, if got any agent here, i want to know also

im not agent punya

both

bodo, dah sihat minta nak sakit pula.

should bercukur because you dont use it

btw if your current policy dont have co-payment, better stick with it.

current new policy all got co-payment

This post has been edited by skycrew: Oct 16 2024, 03:22 PM

How old are u? That premium looks cheap.

Even my son premium higher lel


FYI if u buy new policy got contestability 2 years. So u better continue laying existing card for atleast 2 year before cancel else may face claims rejected.

don't think there's any rebate. There's only Health Wallet, if no claims previous year, the premium amount gets added to this wallet, which you can use to pay for other things like health checkup, upgrade room, etc.
Me using AIA too.

It's a lie...

Bro, honestly, Rm 158 to RM 222 is okay already

You didn't claim is good, means you are healthy and well.

You are missing the point of having a medical card.

Things to consider

1. U confirm the new card wont kena loading
2. Make sure the new card inforce in 2 yrs no have anything big, if not they will check back ur health history

As you age, your premium also gonna increase... depending on your age, you might have to pay more and also perhaps do a medical check up?

Not having to use it is a good thing what.
A blessing, in fact.
I already used mine 3 times. Each time hospitalised also i felt terrible. Wanna get out from the hospital the next day if possible.

mine paying 1800 annum.
old plan worth.. cuma less cover lo

here if you want to complain more

Don't simply change insurance plan. All will naik harga eventually.

Insurance is to cover you financially. You don't want to claim. What you don't realise is even if you didnt claim, the service offered to you is, you have the peace of mind that you will be covered if you masuk hospital. So the service is provided.

Insurance is not charity. More ppl claim, the insurance company will need to pass the cost back to you.

iPhone price also going up. Why people don't stop buying iPhone ah?

Nit advocating for anyone. But my experience with AIA was horrible. So bad until I made the move to email their ceo.

After 2 years, the new insurance increase price, what you gonna do then? Change again?

AIA got the wallet thingy and AIA vitality which gives you cashback as they gamify their insurance experience for their policy holders which is a nice to have.

Only thing i hear is that AIA is very strict in claims which sometimes its at no fault of AIA or the policy holders but fault of the hospital/clinics.

Thus creating a frustration with policy holders when they cant sort their claims.

ahh, i see...

thats what im hearing from prudential side...caliming getting hard, and even need to pay up front first, even their policy doesnt require it, which insurance later say, they have updated it but agent didnt notify (blame the agent pulak)

All insurance increase premium. See if you want to continue having to increase premium due to not performing funds or you want to take out the non performing funds from the equation. If you want to take out non performing find, then you can go via standalone route.

But the question is can you manage your own investment and use a portion of it to pay for your insurance?

Not everyone can do that.

You cannot run away from premium increases. Only way is DIY insurance. Self insured.

Just for my knowledge..can we denied the price hike by cutting the benefit/

You can check if you have the option to downgrade your coverage.

Having said that does not mean you won't pay more. Just pay less than expected...

Share story and which is better insurance company ?

I think all insurance are the same just which one have a better service.

Anyway my issue was endowment. So every 5 years suppose to pay to my dad. Usually they issue check. Then they say no more chq and will direct debit.

1. Ask me to fill up form
2. Form so difficult to understand
3. Everytime email say will response in 5 working day. Imagine I ask what is this line for. They come back to me can I have your account no. And then respond to you in 5 days. Lots of back and forth
4. Finally went to the branch at shah alarm fill up the form. Even took a copy of certified true copy as proof.
5. 1 month later still not bank in yet. Email then 5 days again. Call their hotline also useless. (I recorded all my interection with them)

End up emailing Mr Ben Ho. Problem resolve in 3 days.

Wasted my time. So yes, this is my experience with AIA. Maybe others would have better but not me so I will not go with AIA ever.

Ohh like this. Your agent leh ? Quit and left the company Liao ?

Donno go where. Policy already more than 30 years I guess.