Congrats... ur claim is sucessful I'll be passing you the cheque once it's ready, probably next week.

I dun need the commission to earn a living since I have fixed salary already. I treat the commission an additional money to spend (probably for shopping or so )

I slap 9 them if cannot claim In the medical card pamphlet there write can claim laparoscopy. Later I scan it and post it up here. But also note the exclusions, must have nothing to do with treating infertility, pregnancy or beauty. They just scared if they say can claim but then actually cannot, lagi they die right? So might as well, save their @$$ and say cannot claim coz this job is not theirs, supposed to be the agent job to know what can be claimed or not. Plus Customer Service are not in Medical line, how should they know what is laparoscopy?

Anyway you already have me, just ring me if there's anything

Good Work!!

Wow!Congrats silly22!

I'm glad to see that at least there is someone out there who is willing to help without asking for any commission from you.

hamster,

I already sent you my policy details.hope you can help me to find out how much is the cash up value if I cancel the policy now.

Congrats, Sily22

Finally ur case done!!!

My case is not Over yet. Depend how you see it. If you think that getting the claim, everything is over then yes I am done here. But my point here is not getting the claim. I need to get the matter clear.

I will still need and have too go to AIA customer service there to clear out some matter yet.
I want a clear explanation from AIA. Some how I feel very tired to continue argue with them because i see no ending.
Anyway I am really glad and grateful to meet lot of nice agent here. At least in the future, if i need help, I know i can rely on hamster9.

I bought Prudential life coverage and my agent told me that u must pay 1st then claim later for medical card? is it true?

how about the other beside medical card??

i heard he said that even u got claim ur insurance but at the end ur surrender value still the same and will not being affected...

This post has been edited by goolie: Jun 23 2008, 02:28 PM

i have to agree with you.. no all agents are bad, but its just that most of them are 'uninformed' (aka no do homework, only read the brochure also ) themselves.... they need to study and undertand more about the plans first before telling potential clients.

our medical card is cashless, the client does not need to pay 1st then claim later
only for certain cases like cateract treatment(for day surgery) without hopitalisation the client have to pay 1st claim later

your statement is right if you claim for your medical cards limit, it does not effect your surrender value
however some other benefits like crictical illness/basic sum assured/pa you are entitle to claim for the total amount insured only

done..PM sent on your policy details.

*only with your permission i can post up here on the explaination i gave you in PM*
They need more experience in handling such thing. Understanding by just reading isn;t going to help anyway.

you mean you don't have co-insurance? There must be a certain limit that it;s cashless.


Anyway Medical Card is the most annoyingly complicated and the most complained product in any insurance company based on experience

UPDATE: Cheque is ready and will be delivered to sily22 tonight

hello evrybody,i am new here, i just bought my insurance from AIA 8 months ago. this insurance is together with the medical card. Currently, i go and check at medical centre and found that there is a thyroid. i need to go there 1 month one. now all the bills i need to pay from my pocket money. The medical centre ppl like not so happy when i ask how to claim. i ask them how to claim, but they talk other thing to me. thet medical is AIA panel also but no such claim form.
anyone can help me??????
the claim form got 2 part, 1 part is personal detail, another part must be fill up by the doctor right?
i ask the doctor, the doctor said not she fill up, need to pass to admin. now i really no idea what to do.

Ask your Insurance Agent to help you. He/She should be the facilitator between you and the claim departments.
Just insured 8 months then have thyroid.... not easy to claim. It'll be lengthy process, be prepared.

Can you please elaborate on "The coverage MUST NOT be itemised"?

thanks for your advice, because now i at kL, my agent at penang, so i nid to do the claim form in order i just can claim it.

sorry for late reply... din see this thread is back alive

pm me your policy details pls. I'll see what i can do. Thanks

TS , did u stay at hospital/medical centre at least 1 night for ur minor surgery ?

P/S : what surgery is it ?

This post has been edited by YuNGSeNG: Nov 16 2008, 03:29 PM

OMG, is it the agent bluff u or AIA..

you yourself trying to sell insurance on the other thread which highly mean you too is an agent. Professional code of ethics is not to condemn others of the same profession.

an insurance company wont bluff their policyholder. if bank negara found that they cheat the policyholder, their license will be withdraw and can transact in any insurance business. i dont thing the company will take this risk bcoz of the "small amount". maybe there are miscommunication betweent the insurance agent n company or agent and customer. dont blame the company...find out what is actually happening..be more rational. i m life and general insurance agent for years and all my family are insurance agent also..we treat our customer like treat us. we sell the insurance to protect them. not for the sake of commision.

AIA was making a big roadshow at Queensbay Mall last weekend!

Thanks for sharing your story to us. I just watched Astros movie on healthcare on channel 413 called 'Sicko' by Michael Moore on how America is the only developed country that does not have free national healthcare insurance and feel that we are heading the same horrible way as America where doctors and insurance companies alike are only interested in one thing, profit. Those who do not have enough money either have to suffer or be turned away from hospitals because our insurance does not cover the particular illness or the premium is not high enough. A must see film for those in the healthcare line.

I wonder if we will ever become the same as Europe or UK where healthcare is free for all citizens (already paid for in their taxes) and no one is refused treatment. The doctors only have 1 thing to do, to help each patient recover the best way possible, no matter how rich or poor he is. In fact, there is a cashier counter but the counter does not collect money for the hospital. Rather, it gives money away for those who have travelled to the hospital and reimburses them for their travelling cost eg. taxi or train or bus ticket fee. The more patient he treats, the higher he is compensated by the govt and they get extra incentive if they managed to help more people eg. lower down the smoking rate, obesity etc. An average doctor under the healthcare system stays in a RM3 million dollar house, drives an Audi A8 and earns more than RM600k a year, all these paid by the govt. If you are sick and need 3 months to recover, the doctor gives you a 3 month sick leave and your employer still has to pay you for the time you need to recover. Expecting mothers get close to a year off and is given advise on how to raise their children, a govt nanny comes and help do the laundry for her, cooks as well as takes care of the baby etc & if you are sick you can call a the hospital in the middle of the night to ask the doctor to come to your house for housecall service (free) ... sigh.. we are so far behind in terms of heathcare.

This post has been edited by DannyOP: Nov 18 2008, 03:59 AM