this story byk can find in Insurance Talk thread
btw for me, I oso stop my ILP and go standalone online, using Takaful Kaotim Medikad and Legasi

Complain to bnm. Insurance companies very scared of bnm. Make sure include all the correspondence with the insurance company.

Oh, same as mine. The P agent INSIST that the premium hike is forced by BNM. He told me ' do you think we can increase without BNM approval'
Means P is good guy, bad guy is BNM.

BNM is the reason why the premium cannot hike, not the other way round.

BNM is making it very hard for insurance companies to hike the premium by requesting tons of justification

Agent lack of knowledge, time to change new agent or buy directly from insurance company

that's why buy based on insurance agent attitude.

Choose those that been doing for 10+ years. Usually those successful one got very good attitude can make u feel "worth buying". They anticipate the problem and settle it for u without you asking. The one i met from A company is really top notch i end up buying a lot of insurance from him. lol.

ya until he resign or no longer with the company, then they assign some random young one for u that every call with you if trying to sell you something new
that happened to me, agent from A that served me was my mom's good fren until dunno what happened to her

Many articles also mentioned people complaining because when mask hospital later found out either cannot claim, etc.

I have cancelled all my insurance. It's a whole big scam.

Lagilah those investment linked...

Basically she sell a lot of medical card, profit is good for first few years, then dry off. But the amount of ppl doing claims increase exponentially. End up do a lot of work but no pay since cant get new ppl to buy more insurance. Then they go back become wage slave, steady income can claim MC/AL with medical coverage and low stress.

Those agent that can survive through newbie stage usually grow fast enough they can set up a team to handle menial jobs such as claims etc.

u know i know la

u can apply change agent

show ur dick to dominate

I hear you. The P agent used to be active here in /k. Now goner. Probably he is reading this too.
Anyway, good riddance to them.

semua nipu liar

can recommend medical insurance?
currently with P..
but the fee keep increase till 400+ liao...
want cheaper ...
saw kaotim around 100++
but not sure same or not....

i remember when i first bought a Rm300 insulance package for 100years, the agent Tai Ttai's quite hhnngghh aimed to be MRDT, i cancel it without her knowledge, she come CNY visit ada senyum, then i told her this package maciam not suitable for me i already cancel, her reaction was priceless, she double check with her phone and never came back. If not every month come talk insulance plan.

the problem is insurance company make it hard for people to change agent.

Any insurance plan (DUN want agent) that has medical card and can be used for out-patient case straight away to avoid claim later.

Reason: so mahuan to claim later to submit this and that.
Waste a lot of time to handle all work tasks.

This post has been edited by GalaxyV: Dec 11 2025, 09:48 AM