If you want to publicise your issue, then probably you can write to Malay Mail. The don't just print your rants but also ask for explanation from company you are complaining about. I see a lot of times, when problems published in Malay Mail, companies move their butts, say sorry to the guy who complain and resolve everything.

Having said that, I never really trusted insurance. Just get a basic insurance, if you die or get crippled they have to pay, can't cheat about those kind of things. The rest of money invest and save up. Insurance is mostly for old age when you are likely to get lots of problems, while companies will claim good to start young so you are covered at old age, but when you get to old age they'll try to boot you out. Also you'll reduce your life span out of heart ache when dealing with them regarding compensations.

I know of one AIA agent in Penang who is very responsible and capable. If you want, I can recommend him to you. He is also my PM unit trust agent...

I have an medical card under AIA. It got word Platinum. Any difference?

The French people pay a lot of tax, but they don't complain about that because the medical facilities and etc there is excellent. Hard to trust welfare systems provided by private sector coz for them bottom line is profit. Private charitable organizations also cannot be trusted, eg like Balkis where charity recipients were the Menteri's wives, and not the needy. I think if we can get all the public money is wasted by corruption and etc, it would be more than enough to give proper health care to everybody. If that's ever gonna happen, first have to vote out current government.

Err.. you obviously haven't been to a public hospital. When I started job I went to University Hospital, waiting area not enough to accomodate all the people waiting, for some of the doctors, queues were so long, had to deal with extremely rude nurses who treated me like I came begging for money. Then I found out that my company policy lets me get treatment in private medical centers as well, it felt like walking from Hell into Heaven.

While I agree that some of the best doctors are in public hospitals, the nurses and doctors there are way too overworked. We need more hospitals.

Well as i heard if ur holding ING or AIA and u got admitted u still have to pay deposit upfront b4 get admitted... Yes it means u pay all the expenses of ur medical and then claim back from ur insurance company..
But not all the companies practicing that..
Like Prudential with their PruLink policy n Great Eastern are for more better.

I was admitted to the hospital..but my the company i work for bear all the charges.. and i am a Prudential PruLink Policy Holder.I informed my agent that i was admitted and also told him that my company will pay for the medical.. but still he came n visited me n see the doctor to get the reports.. 1 week after that he handed me over a cheque.
I asked why is that ??
He said even im still entitle for my hospitalization.. according to my policy
Which Room - RM200 / day
Surgery - Up to rm 7k claim / unit( depends where is the surgery) ( i got 3 units)
so i was admitted for 4 days and surgery for dialysis
wow i still have some cash for spend.. hehe

This post has been edited by 4lenAngel: Jun 19 2009, 10:04 AM

I will reject that cheque from PRU if I know my compan is covering me! The reason is I would rather keep my lifetime limit intact, as simple as that. Well unless you are saying that Prulink doesn't have any lifetime limit then yeah, go enjoy yourself with the extra cash...

Is there any AIA agent here? I want to have my policy checked for the next incoming installment. Please PM me if you are an AIA insurance agent.

This post has been edited by Icehart: Jun 19 2009, 11:23 AM

The cash that he get is totally different from the medical card. It is rider that provides cash benefits whenever you admitted to hospital, ICU, or Surgery. Currently in Prudential, there is 2 types of this rider. So, getting the cheque will not reduce his medical cards limit.

If need more information just give me a pm. Im from Prudential.

Hi, in order to clear up the doubts, let me provide some information.
Well, I am not sure and not convenient to comment on AIA since i am not from AIA.
For ING, that kind of medical card you mentioned may be the type called "Non-cashless", that's why you need to pay up front.
Please request from your agent to select "Cashless" for you in order for you to have free admittance to hospital.

C.o.o.l, he mentioned not just the daily cash, but also surgical.
Surgical cost of 7K is not deductible from the yearly limit/lifetime? I would be very very surprise to be honest..

Yes. There is rider which provide surgical benefits and it is count per surgical. Amount of $ depends on how many units he bought.
There will be actually 3 things:
- Daily hospital
- ICU
- Surgical

For panel hospitals, policyholders don't have to pay deposit provided they are not against certain terms and conditions. For non panel hospitals, policyholders have to pay deposit and claim from AIA later...

I 'm having a very bad impression on AIA.

Recently, our insurance agent to get $$ from us for renewing our policy, his reasoning was that for some reason our credit card wasn't accept. (we deduct our payments via credit card auto deduction usually.)

So we gave him the money end of June. Yesterday, we received a letter from Standard Chartered Bank informing us that payment for AIA has been deducted EARLY June.

We are having 2 problems here.

1) Why did AIA claimed that payment didn't get through, when it was reflected on the Standard Chartered Credit Card bill that payment got through in EARLY june, and when the agent came LATE june, he claimed that payment didn't get through.

We called up the agent today, he rushed down immediately, and push the blame on Standard Chartered. We had already informed him not to use the Standard Chartered bank quite a number of years ago, and this had happened. The last few years it was our CITIBANK card which was being billed to, not Standard Chartered.

2) We had already cancelled and close account with Standard Chartered Bank eons ago, and suddenly they decided to bill us with AIA payment? Standard Chartered Bank excuse was that its because AIA still has the account open.

I'm confused, we had already closed the accounts with them, why did they open JUST because AIA has the account open? If anything, shouldn't it be that AIA come back to us for payment instead?

This is not the first time it had happened.
I'm wondering if there's anywhere I can bring this case up?
Thanks.

Suggest you to call to AIA directly to discuss about this. Do not go through agent on this matters.

At the end of the day, your doctor can say anything, but he does not know what insurance contract it is you signed with your insurance company.

As far as I know standard hospitalisation insurance do not cover maternity/pregnancy. Anyone who tells you it does is BS. Why? Because it is a planned event. Insurance is about protecting unforeseen risks. If pregnancy can cover for hospitalization then every potential mother will sign up a medical plan before they want to get pregnant cuz they know they plan to claim 9 mths later! But you can claim if you have bought a plan that specifically covers female problems that include pregnancy complications. Always look into your contract and know what it is you really signed up for. A good agent will be able to go through it with you. And one that will keep in touch or accessible to advice you well. Most often ppl forget what they buy (even though it is explained, but later forget and jump about when there is a problem).

If you have been misinformed by your agent, or customer service, do make your complaint to the HQ, who can then trace the person (always take their name down) to be reprimanded and/or retrained. The company can then also look into the matter and fix it. There can be many reasons why you couldnt claim, some valid, some not valid, and some borderline cases. Complaining like that without knowing the details and make worse recommendations in comparing AIA medical to IHM only confuses the public. For the very fact that IHM medical is non-guaranteed-renewal, makes it a lesser insurance contract, and therefore cheaper.

What the public need to know is how to be a wiser consumer, and not be confused further by unspecific/vague complaints and bad recommendations based on knee-jerk reactions.

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Added on October 29, 2009, 10:44 pmActually, pru's co-insurance starts from 0..i think with a minimumRM300. means every time you admitted, you will have to pay minimumRM300 or 10%. For AIA (I've done a comparison and seen my mum use AIA for a hospital procedure), just get the guaranteed letter and you don't have to pay deposit.

This post has been edited by notsosilly: Oct 29 2009, 10:44 PM

Hi kikiz, have you got your payment matters settled?

By the way, I am an AIA agent and I can service KL/PJ clients. PM me if you need advice or assistance. Whether or not I am a good agent, well, you have to find out yourself.

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Added on May 21, 2010, 2:18 pmI can do a review of your existing insurance policies, whether it is from AIA or non-AIA, free of charge. Just need some time and thats all you need to allow.

Thank you and have a nice day


This post has been edited by ANDY_RESORT: May 21 2010, 02:18 PM

Sifus-sifus sekalian,

Posted this in insurance talk, and no feedback from others...

I have a problem here with AIA and I would like to get some opinions from policy holders and insurance agents:-

I bought an medical insurance policy for my mother. My mother is kind of old, so the premium is quite expensive, of course before the policy was enforce, a medical screening was done and submitted for approval. 11 months down the road after the policy is enforce, a checkup revealed that my mother has contracted Hep-C.

So in order to do the claims for the treatment, my mom has to be hospitalized for one day and post hospitalization jabs can be claimed. The f*cking problem with the f*cking insurance company right now is:-
- it's been 6 bleeding months and the investigation is still 'going on'...as of now, the the underwritting process is still 'on going'

- the first batch of medical bills (3 months) has been submitted for claims, since I can't get confirmation on the first batch of bills, I wasn't able to do claims for the second batch because hospitalization is required

- I've chased my agent countless of times. She said: "wait, be patient" or..."this needs about 2 weeks to process". This lame excuses has been reused countless of times

- I've completely lost confident in this imbecile agent (who also sold me very lousy medical policy), and I decided to follow up the claim myself with the insurance company. (you just got to do everything yourself...initially, I submitted the claims to her and she said she'll settle for me, I think there's a lot of delaying on her end as well)

- as of lately, the investigator fax a document to my mom, wanting my mother to acknowledge and answered a few questions before proceeding with the underwritting and decison making process. I've fax the document on 2nd November and I was asked to for one week. So today I called in to enquire the status. The customer service clerk check system and told me that the fax document was scanned into the system 4th of Nov, and I need another one week to know the answer!

This
is
f*cking
ridiculous.

I'm very very sorry for the swearing because I'm in a terrible mood...okay guys, here are the questions:-
- If I want to make a complaint to AIA, where should I go? How should I go about? Or I pull MCA thing? (don't think the MCA thing will work though)
- Does it make a difference if I march into AIA HQ and make a big ruckus?
- Can I change my bloody agent?
- Can I lodge a complaint against my agent?

Thanks,
Totally Disappointed with AIA

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Added on November 12, 2010, 9:52 amAdditional details:-

Mom went to private hospital for treatment, SJMC. From the day I received the bill. I pass everything to the agent to settle it. But then again, she came to me a couple to get more details, there was historical medical report needed, which clinic went to in the past 5 years or something, etc etc.

From what I found out, Hep-C is something viral that stuck in the body for years...what the investigators are trying to prove now is that my mother contracted hep-c before the policy was bought (insurance doesn't cover pre-existing condition). So for worst case scenario, the investigator might call up clinics and hospital everywhere to get medical record or some sort of prove...which I think they did that, or else, how come the investigation took so long?? This is what agent stated this as a "special case".

As far as I remember, my mother's previous blood test and check ups are all okay (If there was a problem, doctor could have advise or something). Even before the policy was bought, AIA request my mother to do a medical checkup with panel clinic to get report. The panel clinic diagnosis and checkup was simple. No blood test.

Another thing why I'm so pissed off is that, since I've been following up with both my agent and AIA customer care personnel. Both them give me different story every time I ask for claim status. From this incident, I have this stinking feeling that my agent is inexperience at all at doing claim and handling cases. My perception here is that the why would customer care personnel lie?

So sick and fed up.

It has been six months, I tried very hard to pay for the treatment on my own, with claim department delaying the claim for the first batch, I can't claim for the second batch. What has been paid, paid. What I need to know whether AIA can approve the claim or not.

If they are not, I need a very valid reason why. If the investigators can indeed prove that my mom contracted hep-c before she got the policy, fine. Which, I think they can't find any prove yet...I believe the only thing they can speculate that my mother contracted Hep-C years ago was a 'Raised GGT' values found in year 2006 medical report. From what I research, raised GGT is just an indicator of liver damage and it is not valid measurement for Hep-C diagnosis. And if there was raised GGT is a blood report last 2006, the doctor could have probe further. What I afraid the most is whether the investigators are working with speculative facts to reject the claim.

If they are in the 'underwritting' process, make it fast (6 months ler, macha, a typical company/bank/kedai runcit out there probably has already run 2 quarter financial report ler).

---

Added on November 18, 2010, 3:52 pmAfter long waiting and delayed lame excuses from my imbecile agent, I manage to find out status of my mom's claim. I manage to get insider info from my brother-in-law's agent (from GE, he know the guys working in AIA claim dept.) to probe and get the answer from claim department.

The claim is REJECTED.

THANK F*CK YOU VERY MUCH, AIA. AFTER LETTING ME WAIT FOR 6 MONTHS.

From what the claim department said, they reject the claim because of the Raised GGT levels found in the blood test that was done in 2006. From what I research, raised GGT is not a definite indicator of hepatitis, but an indicator of liver damage (they are a couple of reasons that cause this).

I will chase for an official reply from AIA AND I'm going to go for appeal. If there was a problem with my mother's blood test 4 years ago, the doc could have probe further that time.

My guest is correct when they are working on speculative facts to reject my mother's claim. This AIA is the MOST F*CKED UP insurance company that I've come across...SAME GOES FOR THIS AGENT 'FRIEND' OF MINE.

This post has been edited by simonhtz: Nov 18 2010, 03:52 PM

Hi simonhtz,

I have read through your thing and i felt sorry for you about it. I think if you would like to blame, you should blame on the agent itself. Actually, there are a standard procedures and process to all claims process regardless of which insurance company that you buy it with. To confirm with it, you can check with the Bank Negara guidelines on the insurance practice in Malaysia.

After you have read through it, you will notice that it is the agent that you believed "will be always by your side" when things turn bad or sours, be the one responsible for your cause. I wouldn't said not all agent are bad, but not all of them have the responsible itself when the bad things doesn't fall on them.

To be frank to you, i am also from AIA. I also buy from AIA but i do things different from you. Instead of buying it from an agent, i buy it myself. Actually it does not hard to buy and manage your own insurance since i believe insurance is something personal to you, not the agent. You can't hardly trust an agent nowdays but can you trust yourself? If you are the one to manage it from start and people is giving you some in-side of how insurance things work?

If you need some convincing or some info, we are welcome you to come to Level 12 (Gratitude Agency) Menara AIA, Jalan Ampang here on every Saturday from 2.30pm to 4.30pm talk session about the things i am practicing now. You can listen to what we are trying to offer to the you and we would also like to hear more on the things that you are not satisfied. You do not need to buy anything if you free you are not to it, just that i hope that you give yourself and us a chance to share something different from the market.

You can pm me if you have any inquiry about it. The talk session is open to public. All is welcome.

i wanna ask , why my AIA card didnt show the valid date? just like i purchase it on 21-12,2010 , it didn show the date of deadline... and so do the document..... sux la AIA

Do take note that the Total investment value will be less than the total amount that you paid for the insurance every year...

In insurance, as long as you surrender earlier, you will be making a lost.. I experienced that before..