QUOTE(sily22 @ Jun 17 2008, 10:39 PM)
This is the feedback i got from AIA. I do wish to change the agent but I cant because this policy has more than 6 years already. I have to stick with it unless he quit. Sound sad isnt it?
My intention at the first place was complain about AIA because they teach their agent what to say and they use their agent to protect themself by blaming the fault to the agent.
Surrender my policy? That is really a big lost.
The surgery I go thru is call "LAPAROSCOPY OVARIAN DRILLING" is this treatment cover? According to Doctor yes but according to AIA, NO!!! Base on that face they say they cant issue me the GL and they issue me the NON-GL and advise me not to file-in the claim but i can still try to file in where they wont stop me from doing so. What nonsense is this? to make the simple term that I understand mean THIS SURGERY is not covered and cant be claim. They dont want to admit that. I am using the exact same situation now asking them, will the issue me the GL? will they pay me back if i pay first, they just go round and round say u can try but no guarantee. What is that mean??? I really dont understand.
I am only 30 years old and this is the first time using medical card for the surgery and face so much difficulties. How will I still have confident with insurance, with AIA?
They deny and dont want to let me talk to the boss, the person incharge, they dont want to give me confident. Some how i feel that i am being bully by them because they know that you need them more than they need you!
Added on June 17, 2008, 10:50 pmI wish my story, my bad experience with AIA can share with Everyone. Let everyone beware with their own insurance, especially AIA.
I am going to create a blog and post all the experience, the conversation i had with AIA, the complain letter, that I got to share with EVERYONE. Let everyone know. Let the news be spread since nothing else I can do to further proceed with the complaint. I see no point making the 3rd complaint because i will get back the same answer and some how i feel that Bank negara are not helpful enough too. I have already file the complaint to bank negara, to NCCC ( national Consumer Complaint Center), post the story to MyFM station, i even try Jabatan perdagangan dan Hal ehwal pengguna and yet all i got is "nothing".
Can anyone tell me what else I can do? I am very "sakit hati" with what I had experience. I really wish to let the whole world know my experience.
From what you've stated, AIA did not directly say cannot claim. The people you spoke to in AIA they are not sure if it is claimable or not. But there's a point I find it weird, which is "advise me not to file-in the claim" this is very weird indeed. Normally, under situation where they are unsure claimable or not, they'll ask you to pay first and "please" file in the claim later.
30 years old is consider young, you can still purchase a medical card at a relatively cheap premium. But due to your past surgery, there could be some complication. Insurance company might ask for your medical report, extra premium or exclusion clause attached. Go and see some insurance agent from GE/Pru/ING... etc. Get medical card from them, submit the proposal form. Then make a choice from there, while you're doing that do not surrender your AIA policy first.
Another thing is I see no reason why because due to "6 years" you cannot change agent. I'm not sure about other Insurance company's law, but in GE, you can change but with the consent of your current agent.
Some personal advice regarding Medical Card.
- Get at least 2 medical card if you can afford it. All the medical card has it's limit, some are in annual limit/treatment limit/lifetime limit. In most cases, one medical card's limit is not enough to last you a lifetime. Unless you're very lucky.
- Lots of insurance agent I know, have 2 or 3 medical cards. Some get from different insurance companies. Why? Silly22's example is a perfect reason. Put the eggs in different baskets. Surgery A can claim from Company G, but not from Company P, Surgery B can claim from Company P but not Company G... etc.
Silly22, this is what I would try to do:
1. Complain about your agent gao gao at AIA. Try to change to another agent
2. Shop for medical cards from other Insurance Company. But beware... cheap things are not necessary good.
3. Since you can't cancel AIA medical card, once you completed step 2, you would have 3 medical cards!
4. If you really hated AIA and does not want anything to do with the company, surrender your policy once the surrender value almost matches or more than the total premium you paid. For Traditional plan, it is usually somewhere between 15 - 20 yrs.
5. Now you would ask what to do with AIA medical card for another 10 yrs? My strategy is use your company's medical card 1st, once exhausted or not enough to cover, then use AIA, then only use your new Insurance Policy's medical card. Do take note that usually medical card has 120 days of waiting period.
This post has been edited by bbjslee: Jun 18 2008, 02:07 AM