I am very dissatisfied, displeased, disappointed and sad with AIA, the world recognise insurance company. I doubt that we can trust our life with it. I want to share my story with all of you here.

I trully feel cheated by AIA. I bought my life and medical insurance 6 years ago and last month, when I try to use my medical card, I cant use it at all. I feel regret buying AIA.
I would like to advise people here dont buy AIA. AIA seem giving lot of problem to their customer.
I follow all their protocol, fill up the form, the doctor fill up his part 1 month before I admitted to the hospital and AIA reject this surgery and dont want to issue the Guarantee Letter to me.
Luckily I have another insurance (my company insurance) which fully cover my surgery fees therefore only I can proceed with the surgery.

After I have recover, I make the complaint to Bank Negara regarding this case and the explanation I received from AIA is that they say they didnt reject my case is just that I have to pay cash first claim later. They are twisting their word. This is ridiculous. RM7000 is alot. It is not easy for me to take out this huge amount of cash. How many people can take out this cash? Furthermore this is just a minor surgery, what if there are complication and it will cost more? AIA failed to protect in this case. I have lost faith with AIA. I cant believe that AIA can protect us when we admitted to the hospital and in need of help.

Why other company can cover my surgery and my own insurance which I have consistantly paid for the past 6 years failed to do so?
Why issue us with the medical card which suppose to give us direct bill settlement to your hospital and failed to do so where we need to pay cash first and claim later? Not everyone as lucky as I am that have 2 medical card. AIA need to held responsible for this. According to Bank Negara that this kind of case is very common and usually we (the client) will lost. Even if we pay cash first, later also will have problem to claim back. You see...Its look like most of the insurance company try to give us trouble for what we deserve. It look like they are trying to cheat us, protecting themself, give lot of excuse and reason to avoid this. Their term and condition only themself know.
My AIA agent never help anything at all in this case. I call AIA customer service centre many times and none of them can help me solve this matter and they dont let me talk to their manager.

Right now I really stuck here as I still paying this premium. I cant terminate, if i terminate, I will RUGI. But if I continue, I have no confident with AIA and dont believe they will help us.

My conclusion here is, DONT BUY AIA insurance. Especially the MEDICAL insurance. Take my case as example and learn from my mistake.
I want to let everyone know so that in the future, lesser people will get cheated.

Silly,

I am sorry to hear that.

Generally there are 3 important points to remember when we buy medical card (my insurance agent taught me that):-

1. The coverage MUST NOT be itemised
2. It must be guaranteed renewable
3. It mustn't require payment up front when you check into the hospital like your case

You may want to check with your policy against the above 3 points, especially on point 3. Your policy might require you to pay and claim later.

Take care...

Thanks for the concern. I think the most important thing is having a GOOD insurance AGENT.

The problem here is why other insurance company can cover and mine cant. i paid my insurance monthly and it is still active. The reason the decline this claim is they say it fall under the category of pregnancy and maternity. This is nonsense.
I read the policy. I agree with the requirement pay up-front when admitted to hospital, that is the reason why we ask AIA to issue Guarantee Letter so that You dont need to pay up-front. Even if pay up-front first also they will issue ghe GL. The point here is that they decline this claim. After I make complaint then only they twist the word say they want me to pay the whole surgery first in cash then only claim later. But they cant assure me it is claimable or not. The doc very sure this surgery is claimable only ask me to proceed with it. He has many years experience with it. This is a very common and minor surgery according to him.

We really need to Beware with all the INSURANCE company. They are very good at beating around the bush.

Yes. A good insurance agent is very important. I bought mine from my friend, just to support, and now she is gone and no way to be seen and I am stuck with a policy without a service agent. When i decided to call the company to get me an agent, i have one lady coming up to me to ask me to top up the policy because the last was not good enough...mmm....

Anyway, insurance is indeed a very important when need arises...

Yes. I agree. Insurance is important when needed. You cant live without it but you can die rely on it. That is the thing with insurance agent.. can just disappear... When new agent come they told u to top up so that they can earn some commission from it.
Sigh!

When i was back from Singapore 2 years ago, I was looking for a critical illness policy. I was introduced to this gentleman from ING. Actual fact, I met him a few times in the hospital servicing his client (my dad was admitted in the hospital then). I called him for a quote and I find him being very sincere. I bought my critical illness from him and am thinking of topping up now. If you do need a good agent, perhaps I can introduce him to you.

Btw, I am from Ipoh, so is he.

Thanks. I am thinking of getting another medical card but not now. Until i have settle my AIA first.
Are you in Ipoh or you just from IPOH but staying in KL?
Glad to hear that at least now you have a good agent.

I am staying in Ipoh. Yes, I am great I am happy with this agent. And ING is not a bad insurance company. Perhaps you can check up their medical card

http://thestar.com.my/news/story.asp?file=...1586&sec=nation

ING was previously involved in some controversy over their medical card. Please check with your agent for newest update.

---

Added on May 21, 2008, 6:07 pm- Please check back your policy documents and find out what's the exclusion.
- Problems usually arises due to 2 reasons.
a) Not informed properly by agents
b) Didn't read through the policy thoroughly

As an agent (I'm not from AIA), I can't tell you 1 - 100 things that is excluded & all the details, but they are all written in the policy.
Normally insurance company provides refund if you cancel the policy within certain period of in-forcement (w/o any claim that is).


This post has been edited by bbjslee: May 21 2008, 06:07 PM

Sad to heard it "Again"!!

I'm a field-force agent but not from AIA. Similar thing happened on my colleague's family Nov 2007 while I still parttime agent.

Case happened when her AIA agent closed his father-in-law a life insurance with protection RM10k and yearly premium RM3k/yr. Afterward, my colleague found out the plan purposed not worth and want to terminate the policy within 15 free-look period. However, the agent doesn't want to respond to her, have an argument with her and told my colleague the last word "Dont Find Me Anymore, I don want to serve u anymore" and never pick-up her call after all.
My colleague looks for my assist, and finally settled.

My colleague's family having 6 policies with this AIA agents for 5years, and she truly disappointed with HER & AIA. Now my job, collect premium from her, submit to AIA office, get back receipt, give back to her every month. I not receiving any commission coz i'm not from AIA.

Luckily, she understood is agent responsibility to assist her in this case. But she still understtod the importance of insurance to herself and her family.

could not believe this is happening around

This is why slogan "INSURANCE ALL LIAR" in market.

Insurance company only doing their job based on contract, but agent play fool around customers.

you are too biased....maybe you have been "fooled" by the agent instead....and not the company.....you have not told us the story of what were told when you bought the policy and the details of the products.....each company has its own policy

pls dont flame all the agents base on ur experinced only

IMO, better terminate it. Since it doesn't really cover you, why continue? I rather lose part of the premium rather than keep on paying for nothing.

Ops.. apologize for anyone feel offence..

The statement point to those irresponsibility's agents ONLY!!! However there still GOOD agents around

As far as I understood about today's market on Medical card, one is already losing money if he/she does not ever claim once from the medical card. I could be wrong in the sense that my interpretation that there's no cash value in serving the premium for medical card.

I also heard there are some problem with ING lately.
I understand as an agent, you wont know what are the thing is excluded only the insurance company itself know.
What kind of refund are you talking about here. i have been invested for the past 6 years. I pay around RM2k per year and if i terminate now I wont get back RM12k. I might only get back half according to AIA. And I dont think they will refund anything for me. I am still waiting for the response and explaination from AIA.

---

Added on May 21, 2008, 10:41 pmI also have the same thinking. Since i cant trust AIA with my life, why should i contineu.
I do think of terminate it, only the medical part and maintain the critical illnesses,saving/life and investment link but AIA say even if i terminate, I stil have to pay the same amount, which is RM161 every month (same, no deduction). I dont understand why and they fail to explain properly. That's why i still doubt and dare not terminate it now?
If i cancel the whole premium, I lose quite alot. I have been paying RM161 everymonth for the past 6 years ( so roughly i have invested RM12k). If i cancel now, the cash return I get back will be less than what I have paid/invested. Furthermore with the history of this surgery which i did and I am getting older, it will be harder and more expensive for me to get the new insurance.
I need to think deeply whether should I continue or not. No one advise me. No agent served me
SIGH!!!


This post has been edited by sily22: May 21 2008, 10:41 PM

Upon termination, u will only get back Total Investment Value.

Malaysia hv 18 Life Insurance Company, impossible for u to compare 1 by 1, coz time consuming

U hv to make own judgment again, GD LUCK

What do you mean by TOTAL INVESTMENT VALUE? is that mean how much i have been paid for the past 6 years? or you are refering to the CASH VALUE?

Wow.. i didnt know in Malaysia we have 18 life insurance. Life insurance is not that critical. The most important and critical for now is the MEDICAL insurance that I am more concern about.

I hope i wont make another wrong decision or judgment again when purchasing the new insurance. Thanks

Dear sily22,

Sorry to hear about your case.

As I'm with AIA, perhaps I can offer you some assistance.

Could you kindly pm me your name and policy no?

Thanks. Best Regards.

Total Investment Value(TIV) is cash value. U only can get that back. U can check the current TIV thru AIA office. If u keen to terminate ur current policy, u can get ur TIV within 2 weeks but think twice before.

Silly,

If you have your life policy and critical illness attached to you, you can't cancel it especially if you age is catching up. But i don't understand why the premium can't reduced. AIA agents out there, can you help her?

---

Added on May 21, 2008, 11:19 pmYou need to also concern with your critical illnesses which often also cover with many fine printed clause. Before making any decision, try to speak to as many agens as possible

This post has been edited by Jean72: May 21 2008, 11:19 PM

Normally they have a standard minimal amount which might be RM150/month ( for Prudential )
So lets say you are to remove ur raider such as a Medical Card while maintaining ur contract it's not posible because the Medical Card alone itself
is close to RM40 or more/month depends on the limit you have bought.
To make it clear, to maintain ur policy you will need RM150 minimal, for AIA might be slight different

If you are planning to get a new policy, apply for a new 1 1st before you go & cancel your current 1
make up your mind which is better during the 14 days free look period
*at least you are covered or have a policy, if the new insurance reject ur case
*have something to compare, who know ur current policy might be better

This post has been edited by Colaboy: May 22 2008, 01:52 AM

Zarth, Are you an AIA Agent? I PM you my policy no.
Thanks for the help in advance.

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Added on May 22, 2008, 9:47 amI think the reason my premium can be reduce is according to AIA, that is the minimal amount. Even i reduce my medical card, they will increase the investment link higher to balance it back. Sound complicated to me.. That why i feel like I m stuck here.


This post has been edited by sily22: May 22 2008, 09:47 AM

@sily22

Sad to hear your story man. Just to share some info. I myself also using AIA insurance, the agent is very good and claims have been very very easy (less than a month normally). I have not claimed any amount before (thank God for my health so far) but my mum's staff has claimed alot due to work mishaps and etc.

I bought from the agent as he is a friend of my mum's. It is true that we must be careful in choosing agents as some of them are really just into the money and will resort to various means to secure the customer. This agent of mine is a boss of his own firm so I have more confidence as he won't just decide to change job and leave me in limbo.

Having said that, my AIA insurance does require me to pay upfront first unless a letter of guarantee is issued. My company insurance is also from AIA (but their policy is from Singapore)

My agent already told me this upfront and I am fine with this as I can always pay with my credit cards or my own money if the guarantee letter can't be issued. However, I believe your agent failed to inform you about that fact or was not setting the terms clear.

I would suggest you bring up the matter with AIA HQ and walk-in personally to ask for a clearer picture and if you are not satisfied with the way it is going, do ask on the procedure to terminate as well as the amount that you are entitled to get back.

Good luck!

---

Added on May 22, 2008, 10:59 amI think the reason my premium can be reduce is according to AIA, that is the minimal amount. Even i reduce my medical card, they will increase the investment link higher to balance it back. Sound complicated to me.. That why i feel like I m stuck here.

[/quote]

Yes you are right. I think we are buying the same plan. Mine has medical coverage (150k)+ accident coverage (30k) + death benefits (80k) + 36 illnesses + savings (investments).

RM 1800 (or RM 150/mth) is the minimum premium without investment if I recalled correctly.

This post has been edited by jeff_ckf: May 22 2008, 10:59 AM

Frankly, I have been with ING and I'm proud to say that they're good They cover both my insurance and keep me updated from time to time on new products.

If you need a good agent, I could introduce you one but I'm from Penang.

Sorry to hear about your ordeal with other insurance company/agent.

I'm with ING too and so far never encounter any problems
Maybe TS can think about it

[quote=jeff_ckf,May 22 2008, 10:53 AM]
@sily22

Sad to hear your story man. Just to share some info. I myself also using AIA insurance, the agent is very good and claims have been very very easy (less than a month normally). I have not claimed any amount before (thank God for my health so far) but my mum's staff has claimed alot due to work mishaps and etc.

I bought from the agent as he is a friend of my mum's. It is true that we must be careful in choosing agents as some of them are really just into the money and will resort to various means to secure the customer. This agent of mine is a boss of his own firm so I have more confidence as he won't just decide to change job and leave me in limbo.

Having said that, my AIA insurance does require me to pay upfront first unless a letter of guarantee is issued. My company insurance is also from AIA (but their policy is from Singapore)

My agent already told me this upfront and I am fine with this as I can always pay with my credit cards or my own money if the guarantee letter can't be issued. However, I believe your agent failed to inform you about that fact or was not setting the terms clear.

I would suggest you bring up the matter with AIA HQ and walk-in personally to ask for a clearer picture and if you are not satisfied with the way it is going, do ask on the procedure to terminate as well as the amount that you are entitled to get back.

Good luck!

---

Added on May 22, 2008, 10:59 amI think the reason my premium can be reduce is according to AIA, that is the minimal amount. Even i reduce my medical card, they will increase the investment link higher to balance it back. Sound complicated to me.. That why i feel like I m stuck here.

[/quote]

Yes you are right. I think we are buying the same plan. Mine has medical coverage (150k)+ accident coverage (30k) + death benefits (80k) + 36 illnesses + savings (investments).

RM 1800 (or RM 150/mth) is the minimum premium without investment if I recalled correctly.

[/quote]


Hi Jeff,

You are lucky to have a good agent. My agent was my ex-company supervisor. He was kind to me for the past few years but not after 6 years. The reason i believe is that he already no longer taking any commision from my premium that why he think that he dont need to serve me anymore.

I understand that it is necesary to pay upfront unless GL is issue but if GL is failed to issue, we have to pay cash first. What if i dont have the cash and dont have credit card? RM7k is alot to me. What if after pay cash and I cant claim at all? itsnt that sad? Why the same case other insurance can issue the GL and AIA cant? other insurance not even as famous as AIA, but make my life easy.
my premium is RM161 per month, (100 per bed, death 50k, accident 30k, 30K for 36 illnesses & Saving(investment link), If i m not mistaken.
Maybe I really should walk-in to AIA but will they entertain me? No one entertain me when i make call to the call center.

Sily22,

May i know ur action further? Cancel the policy, reduce premium or still on the reimbursement issue?

I may assist u further but have to know wat u wanna do first..GD luck

Thanks for your offer to assist.

1. My first choice, i do not wish to terminate but i demand some compensation from AIA. they responsible for this. They need to make it up so that I have confident again with AIA medical card.

2. If this cant be done, according to bank negara people, most likely i wont get back anything. I know that my premium is the minimal one and cant be reduce even i terminate only the medical part because this premium is the RIDER and the montly payment are still the same. (I dont understand what "rider" mean until lately people told me that Rider mean, medical is not the main product. Even after terminate the medical, the premium remain the same. Then no point to terminate it. Or Maybe I should terminate the medical only and get another one only medical?

3.Cancel the policy is my last choice if the explaination from AIA does not convince me. But i would like to know how much i will get back after cancel the policy?

I Really need some assistance. What should i do... I dont really know which is the best choice

Sily22, i understand your dissapointment with AIA. In respect of your item above, my comments are as follows:

1. Doubt AIA will give you any compensation if what they have "done" is in accordance to company policy. Even Bank Negara have told you so.

2. If you have no confidence with AIA medical card, just cancel that rider and the balance money can go into the investment portion or increase your life amount or whatever. However to get another good medical card with auto renewal, you will have to get another insurance policy and that will cost you another RM150 if you do not cancel your AIA.

3. Go check your latest AIA statement, there is a cash back/surrender value. That's the amount you will get. My advise is just visit their office and check with the Customer Relation Officer on the actual amount you'll get back if you terminate the policy immediately and the procedures.

My suggestions are as follows:

1. Go get other quotations from ING and Prudential and this time ask lot of questions about the medical i.e. what can claim and what cannot and what are the procudures for admitting into hospitals, which hospitals are in their panel, etc etc.

2. If you can find a product that gives you the same protection as your AIA from ING or Prudential for the same monthly premium then your problem solved. However i believe you won't as you bought the AIA policy when you were younger. Even if you can get same protection from other companies, do note that the first 4 years your coverage will be less.

Having said above, go check with AIA office now and check with the Customer Relation Officer how much cash you will get if you terminate your current policy. Since you have been paying for 6 years, that about RM10,800 in premium burned. What's the difference between premium paid and your surrender value? If not much just terminate AIA and go get a new medical policy. But do check with AIA your cash value in another 14 years time (policy reached 20 years) if you get any "bonus" (increase in cash value) especially if your policy is not unit trust link invesment, don't know how to explain this, maybe insurance agent can help on this bonus thing.

I already knew that AIA wont give any compensation to me, no harm trying coz i really feel i deserve it.
Since I wont get back anything, what I want to do is to let the whole world know about my case. I want everyone to Beware with AIA, beware with your own insurance. You wont know how good and helpful they are until you admitted to hospital, until the case happen to you. Before this, AIA agent did told me how good they are, how they have help the families, how easy they get the GL. That time I trully believe that I have found a good insurance, a good agent. I do believe that I can trust my life with AIA last time not now, not anymore.
I used to think that AIA is better than IHM which I have purchase for the past 3 years before AIA. Look like maybe IHM is better than AIA.

What I am going to do now is waiting for the answer from AIA and Bank Negara before I terminate it.
If getting another medical card is afforable, I will consider terminating AIA medical only since it is an ADD ON thing.
This Tuesday I am going to AIA office to get the matter clear. I would like to know how much TIV i will get if i terminate and it is worth to do so or only terminate the medical part.
I did call up customer service centre, they say they cant tell what is the TIV. I need to go to the office personally TROUBLESOME.
I guess the surrender value will be half of the premium i have paid. That a big lost to me. I should have terminate 3 years ago where someone warn me about how little my medical is that time at least I wont RUGI so much by then. SIGH!!!

[quote=Colaboy,May 22 2008, 02:52 AM]
Normally they have a standard minimal amount which might be RM150/month ( for Prudential )
So lets say you are to remove ur raider such as a Medical Card while maintaining ur contract it's not posible because the Medical Card alone itself
is close to RM40 or more/month depends on the limit you have bought.
To make it clear, to maintain ur policy you will need RM150 minimal, for AIA might be slight different

If you are planning to get a new policy, apply for a new 1 1st before you go & cancel your current 1
make up your mind which is better during the 14 days free look period
*at least you are covered or have a policy, if the new insurance reject ur case
*have something to compare, who know ur current policy might be better

[/quote]

Yeah, that's true enough

there are a lot of product.. u need to understand.. even some agent also don't really have the full knowledge about the product... my best advice... ask from any agent insurance and call their customer service for more information


[quote=jeff_ckf,May 22 2008, 11:53 AM]
@sily22

Sad to hear your story man. Just to share some info. I myself also using AIA insurance, the agent is very good and claims have been very very easy (less than a month normally). I have not claimed any amount before (thank God for my health so far) but my mum's staff has claimed alot due to work mishaps and etc.

I bought from the agent as he is a friend of my mum's. It is true that we must be careful in choosing agents as some of them are really just into the money and will resort to various means to secure the customer. This agent of mine is a boss of his own firm so I have more confidence as he won't just decide to change job and leave me in limbo.

Having said that, my AIA insurance does require me to pay upfront first unless a letter of guarantee is issued. My company insurance is also from AIA (but their policy is from Singapore)

My agent already told me this upfront and I am fine with this as I can always pay with my credit cards or my own money if the guarantee letter can't be issued. However, I believe your agent failed to inform you about that fact or was not setting the terms clear.

I would suggest you bring up the matter with AIA HQ and walk-in personally to ask for a clearer picture and if you are not satisfied with the way it is going, do ask on the procedure to terminate as well as the amount that you are entitled to get back.

Good luck!

---

Added on May 22, 2008, 10:59 amI think the reason my premium can be reduce is according to AIA, that is the minimal amount. Even i reduce my medical card, they will increase the investment link higher to balance it back. Sound complicated to me.. That why i feel like I m stuck here.

[/quote]

Yes you are right. I think we are buying the same plan. Mine has medical coverage (150k)+ accident coverage (30k) + death benefits (80k) + 36 illnesses + savings (investments).

RM 1800 (or RM 150/mth) is the minimum premium without investment if I recalled correctly.

[/quote]

So, your policy is actually an investment link policy.

Let me explain to you.

Investment link policy is a policy that consist Investment and Insurance Cover.

Actually.. there is a regulation from Bank Negara Malaysia, to counter the complain about the customer paying higher premium for low coverage, as well as allocation rate in early years of policy inception.

The MAXIMUN set by BNM for ILP ( investment link policy ) is Rm5000 per annum on 15 july 2005.
Every insurance company has different minimun policy.
and, again
Regular Premium consist of Basic Sum Assured and Supplementary Benefit.
so, to counter the problem, BNM has this table, SAM and SLACK
SAM is Sum Assured Multiple, example. your regular premium is Rm181 x 12 = 2172 x ( SAM which according to age ) ( age 36-45 is x30 , age 46-55 is x20, and 55 above is x10) to your MAXIMUN Insurance coverage.

You can reduce your optional rider or supplementary benefit, actually, u just take out those optional rider, keep your Basic Sum Assured Policy which will reduce the premium, as long every thing is still insideRm150 cap..! but u must get verify ur Policy, what is the minimun..


[quote=sily22,May 24 2008, 08:59 PM]
I already knew that AIA wont give any compensation to me, no harm trying coz i really feel i deserve it.
Since I wont get back anything, what I want to do is to let the whole world know about my case. I want everyone to Beware with AIA, beware with your own insurance. You wont know how good and helpful they are until you admitted to hospital, until the case happen to you. Before this, AIA agent did told me how good they are, how they have help the families, how easy they get the GL. That time I trully believe that I have found a good insurance, a good agent. I do believe that I can trust my life with AIA last time not now, not anymore.
I used to think that AIA is better than IHM which I have purchase for the past 3 years before AIA. Look like maybe IHM is better than AIA.

What I am going to do now is waiting for the answer from AIA and Bank Negara before I terminate it.
If getting another medical card is afforable, I will consider terminating AIA medical only since it is an ADD ON thing.
This Tuesday I am going to AIA office to get the matter clear. I would like to know how much TIV i will get if i terminate and it is worth to do so or only terminate the medical part.
I did call up customer service centre, they say they cant tell what is the TIV. I need to go to the office personally TROUBLESOME.
I guess the surrender value will be half of the premium i have paid. That a big lost to me. I should have terminate 3 years ago where someone warn me about how little my medical is that time at least I wont RUGI so much by then. SIGH!!!

[/quote]

actually... TIV CAN and MUST be reveal by the Customer Service if request by the policy holder, once verification made by u. such as ur name, IC and ur address.. You try to call the customer service again, request to know your TIV, if he said cannot, ask for the Customer Service who serve you for the full name, and told him/her you will forward this issue to their Director of Customer Service and also FMC ( if am not mistaken ) a financial compliant institution

Hope this will help..

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Added on May 24, 2008, 9:25 pm[quote=sily22,May 24 2008, 08:59 PM]
I already knew that AIA wont give any compensation to me, no harm trying coz i really feel i deserve it.
Since I wont get back anything, what I want to do is to let the whole world know about my case. I want everyone to Beware with AIA, beware with your own insurance. You wont know how good and helpful they are until you admitted to hospital, until the case happen to you. Before this, AIA agent did told me how good they are, how they have help the families, how easy they get the GL. That time I trully believe that I have found a good insurance, a good agent. I do believe that I can trust my life with AIA last time not now, not anymore.
I used to think that AIA is better than IHM which I have purchase for the past 3 years before AIA. Look like maybe IHM is better than AIA.

What I am going to do now is waiting for the answer from AIA and Bank Negara before I terminate it.
If getting another medical card is afforable, I will consider terminating AIA medical only since it is an ADD ON thing.
This Tuesday I am going to AIA office to get the matter clear. I would like to know how much TIV i will get if i terminate and it is worth to do so or only terminate the medical part.
I did call up customer service centre, they say they cant tell what is the TIV. I need to go to the office personally TROUBLESOME.
I guess the surrender value will be half of the premium i have paid. That a big lost to me. I should have terminate 3 years ago where someone warn me about how little my medical is that time at least I wont RUGI so much by then. SIGH!!!

[/quote]

Actually, for claim issue.. u can forward ur claim to the .. donno call what liao.. that FMC or some thing.. in ur policy sure have the number of the institution number and email... because.. when you complain through them, requesting for claim and entitlement... AIA MUST and WILL reply within 7 working days to the FMC or something, then FMC or something will tell u..

a lot of ppl donno about this channel... i mean this institution.. because.. actually the insurance company also dont want bother to tell u.. if they can try to delay.. (if u straigth away claim wif them ) they will sometimes try ~~

just give few tips..

This post has been edited by wenjie86: May 24 2008, 09:25 PM

Normally ur investment link can be breakeven after 6 years depends on the fund u take..if its already breakeven then better terminated and get from another company. For Medical Card u can cancel anything and no refund as there;s no cash value. However bare in mind , before cancel, try apply for a 2nd medical car elsewhere before u cancel the first one. remember the waiting period and the survival period..

What do you mean by breakeven?
How do i know it is breakeven?is that mean how much i paid, how much i get back? how do i know how much is the medical card?
So the best thing to do is not to terminate anything first? get another medical card? SIGH!!! look like more and more burden....

Hie, sorry as I just read through the 1st page and I did not read through the 2nd page.

Btw, has your problem solve? Medical card? I do have AIA medical card too. Last time admitted to hospital due to accident. I did not have my medical card with me as I LOST it, I called up my dad and he gave me my medical card number, and I pass it to the nurse to do the hospital adminstraton thingy, and the hospital eventually straight settle with AIA.

The day I discharge, I am just charged for some side charges for around RM400+, another RM6k are being covered by AIA. FYI, that day I am alone in KL without my family. Just a medical card number and everything are so easy.

Btw, just wondering has your case settle? Do you want my dad to follow your case or explain to you if you don't mind? FYI, my dad is aia insurance manager with many years of experiences. Do PM me for your name, contact number, the agency name and the agent name, policy number etc.

This post has been edited by Joshua_0718: May 27 2008, 01:38 AM

Tough luck for TS. It is a fact that insurance is easy to buy but difficult to claim, so I guess having a sincere and responsible agent would make things easier. I feel some are trying to hun shui mo yu here but some are genuine helping. All the best to TS.

My mom bought an education policy for me when I was still in my nappies, hoping that it will help in saving for my education when I eventually attend college.

It turns out that my policy is NOT an education policy but life policy which is only claimable upon death.Now the AIA agent is nowhere to be seen.Otherwise, we would definitely love to beat him up for making false promises but couldn't deliver.

Hi Joshua, Thanks for your offer to help. This case has not yet solve and I dont know wheter can it be solve or not.
You are very lucky tat your dad is AIA insurance manager. Much more easier to get thing done.
I dont think i will be that lucky furthermore my AGENT sucks. Has disappear too. Really regret buying the insurance from him.

Later I am going to AIA office. I see what is the advise they will give me and then only make decision from there.
I will get the help from your dad if i need. Thanks again in advance for the offer.

Maybe your agent lack of experience in explaining in more detailed. And there is where people used to give misleading statement or making their client to interpret wrong. *Not referring only to aia.

Insurance manager to get thing done for my case? As I just told you, my dad just ask me to pass the my medical card policy number to them, and they will call up AIA to confirm the number and straight settle with them. Don't think my dad done anything except by giving me my number. I better confirm with him 1 day.

I have given you my dad contact number. Maybe you could call him up to ask him whom to best to refer to.

Btw, you have stated your agent dissapear, why don't you contact his agency manager? He is under 1 of the agency manager.

This post has been edited by Joshua_0718: May 27 2008, 11:12 AM

Sily22,

Hope u get a satisfied advise, ALL THE BEST.

U should note down all the questions raised and ask all sekali gus. Such as, why cant issued GL while others can, ur cash value all la.

Thanks. Thats a good idea. I will write down what I want to ask.
Hope I get what I want to know...

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Added on May 27, 2008, 12:54 pmMy Agent was my ex-manager. He told me he has been doing partime AIA agent for the past at least 8 years. Now maybe already more than 10 years i guess. So is this consider lack of experience?

I dont know who is his manager in AIA because he is the only person i deal with so far. Further more he doing partime last time then full time for few years and now part time again (full time with public mutual) if i m not mistaken.
He is the only AIA people that I know.


This post has been edited by sily22: May 27 2008, 12:54 PM

Lack of experience? I don't think so then. But I can't say much as I myself is not anyone from aia.
You don't know his agency name also?

wat's the name of the policy and send me the information. I'm working in AIA office. Let us see what we can do about it.

Same goes to you

8 years of part-time is still considered INEXPERIENCED coz they still don't know the company's mechanism. Part time means they are still earning a living out of your commission and thus, best if left with lesser explaination and just sign above the dotted line

Something I have posted before, but just to inform everyone.

Most of you will not encounter this, but for surgery/anesthetic/ICU/etc. there is fine print the cost is spread over x years, normally 3 yrs. Not sure about the latest T&C now. Maybe those in AIA/ING/Prudential/etc. can check it out and post it here.

e.g. I take my friends' policy which is from AIA also several years ago. Company bought from AIA coverage 200k for surgery/etc. We are not talking PA/death/etc. Our PA are 500k each, death is 500k each. Don't ask which field I'm in which requires so high coverage. Latest I know, they are covered at 1M each.

He involved in accident, and the bill for surgery/etc. alone goes somewhere >75k. Yes, it is a big bad accident. 75k does not include PA claim yet.

Anyway, the full time AIA agent also don't know about this fine print, until we informed him about the accident and he checks on the finer details to help us to claim. Then only he found out and inform us that the claim can only be claim over 3 yrs, i.e. max 66k/year. Anything above that must fork out from own pocket money, which is >10k

After claim 66.667k, there is remaining 133.333k for that coverage to claim in future. But the point here is, max 66k/yr for 200k coverage over 3 yrs.

I walk in to AIA office today and talk to an expert and she advise me that not to terminate this policy and my medical card because of my age factor and the history of this surgery.
I am now waiting for the answer from AIA. I want an assurance letter from AIA saying that this will not happen again in the future and I want an apologize letter from AIA and the Agent itself for causing me so much trouble. In the same time I see what compensation AIA will give me. Wish me Luck.

Thanks to everyone for the support, comments, advices, and help offered here. I appreciate it a lot.
I am so surprise that there are so many kind people out there offering me help
I will consider getting another medical card for sure bcoz it seem to me that what I have is not sufficient enough.

What I learn here is that we need to have a Good agent no matter which insurance company you are having, Aware of your own policy (what you are having) and must fight for what we deserved.

Is that due to Max. Annual Claim amount?
For GE, there's an Max. Annual Claim and Max. Lifetime claim.

perhaps her medical card is a rider,not a standalone basis.

Finally after 2-3 weeks, I got the reply from AIA. I am more displease than ever. I dont get the answer I want. This is the 2nd complaint. I wonder. Do i need to proceed for the 3rd complain again.
Basically, what they say is still the same thing. Still beating around the bush. According to them, that this medical card is just serve as an identification and its a value added- service. No guarantee in issueing the Guarantee Letter. If GL is not issue doesnt mean cannot claim but have to pay first then the only they will review to pay me back or not.
The reject my request of full refund and ask my agent to assist me.
What happen is my Agent called me and scold me for making this complaint. I am not complaining him. He sound so rude as I owe him and cause him trouble for this.

Do I deserve this? Nothing I can do now. What else I can do? Should I make 3rd complain? I wish to reply the letter to AIA but they dont have any fax or email for me reply. If I have to reply, I have to go thru bank negara again.

I cant change agent. I have to stick with this agent and AIA dont want to issue me an assurance letter to protect me if in the future I will admitted again to the hospital for the same surgery.

I feel very disappointed. Now i know why many people say insurance cheat people because we dont have good agent to explain PROPERLY. They suppose to help us but they didnt and ignore us.

Where is the justice??? Do you think you all really can TRUST YOUR LIFE WITH AIA as what AIA slogan is?
I really feel AIA make me "going around in circles" to discourage me from making futher complaints.

Though I'm not an AIA agent, I'm sorry that this incident has made you lost your trust on Insurance.
This is what I would do:
- Lodge a report with AIA about your agent
- Request to change the agent.

The other way, find out how much you can get if you surrender your policy. Sometimes short time suffering is better than long term suffering.
Get another medical card (standalone or rider) from another Insurance Company. And while you're apply for new Insurance Policy (medical card) DO NOT surrender your AIA policy 1st, because there is waiting period... etc. And furthermore there maybe exclusion and possibility being rejected due to your previous surgery.

If you don't mind, let us know what surgery was that, to you it could be a major surgery, but to other insurance company it could be a minor surgery which will not affect you from getting new insurance. Also, let us know roughly how old you are. Below 35? 35-40?... etc. There are a number of Insurance Agents here in the forum, with some basic info, we would be able to give you better advice and recommendation.

pity to see consumer are treated this way . . . .btw you have the rightz to change a servicing agent
thats why some people out there have such negetive thinking about an insurance agent

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!

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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.

This post has been edited by sily22: Jun 17 2008, 10:50 PM

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

AIA dare not say CANNOT CLAIM. They use their term that only make you confuse. To make it straight to lay-man term it do mean cannot claim. They are protecting their ASS. I do ask them, you cant issue me the GL and base on this case u issue me the Non-GL and ask me to NOT to file me but they will not stop me from try to claim. What is this mean? I tell them, take this case as example, just tell me can claim or not, again they got their script what to say and bring me round the garden again and make me confuse to understand what they mean. They dont make it simple by saying yes or not. I m surprise to hear this. They will ask you go ahead and pay first but then try to claim later.... You see the word "TRY"?

I will definately will consider getting 2nd medical card. What I have with AIA are definately not good enough and not enough at all.

Thanks for your advise. you do give a good advise.
I will try to change agent because I really dont want to deal with my current agent. You know whenever he call me, i feel scare and threaten. I am a client but I am scare with him.

Look like i can only surrender my policy after 25-30 years to match the cash value that i have invested.
I believe I will still have problem with AIA even i have 2-3 card. They will just make your life difficult to claim.

SAME CASE, SAME SENARIO, Same Treatment, with report, bill and everything they want, i ask them can cover or not. They bring me circle again. My conclusion is "LAPAROSCOPY OVARIAN DRILLING" is not claimable in AIA. That what they trying to tell me but they dont make it straight point.

i feel sorry for what u have been going through with aia insurance.im also coverd by aia since 2001 and never claim before (thank goodness im healthy as ever).
your bad experience i shall take note/aware of if something similar happen to me in the future, lucky i have company insurance also (ING).Last 2 years i go to clinic the doc said i have something like fungus under my armpit have to follow-up SJMC then i call ING they say not cover because its under facial treatmen when i told the doc what happen she was shock "armpit under facial treatmen??"

hey... i feel sorry for what you are going thru.....

i really understand as it's quite rough emotional roller coaster...

I am oso very worried about AIA insurance now...especially reading thru the threads...

I wish I know the rule of the thumb, go for those that doesn't split in details like advised by one isurance agent here.

anyway, all the best.. hopefully u hear good news

Maybe they thought you're waxing your armpit hair

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Added on June 18, 2008, 6:17 pmIt is very important to get a good servicing agent, especially those who are willing to go an extra mile.

Some of the cases I heard of:
- Agent negotiate with hospital to amend the invoice (not the amount) but to lump sum some charges. So that can claim more.
- Agent go to hospital on Chinese New Year eve to visit client who had accident that day. And help with claims.
- Agent who pick up customer's call in 3 am and give advice on claims.


This post has been edited by bbjslee: Jun 18 2008, 06:17 PM

I am currently serving you now. Let us get thro the claims first before we make any complain.

Everything would be easier for you if you agent service you when you are in hospital when no GL is issued. A good agent will fight for you to get it paid. Unfortunately that's not the case.

It does cover for laparoscopy ovarian drilling however such case is a borderline case (not straightforward like denggi, malaria or food poisoning). Laparoscopy ovarian drilling can be 2 case, one is to treat infertility which is in the exclusion and another would be yours, in complain of abdominal pain.

I'm sorry about the lousy service provided from AIA especially the customer service as I personally experienced them myself. They could probably as stupid and frustrating as a Screamyx Customer Service. Anyway let us get thro the claims of post and pre treatment first then we can move on in switching servicing agent, ya?

ps: I've checked with the claims department today, the guy was also stupid about laparoscopy like what you experienced with the Customer Service till I have to see his manager.

let us do the claims first and then we have the process of changing servicing agent. Then it's up to sily22 to complain her agent gao gao but then again she is so scared of him

like said, what's important is the agent to service you. If you have complications in claiming, an agent is required. Either he/she has to go to the doctor to verify that it's not something facial and send the report back to the company to confirm it's not facial treatment. Some borderline cases are a headache to customers and thus an agent is very much helpful in that.

Sily22, I dun think you should be afraid of your agent. You are customer and it's your rights since you brought insurance from him, you have given him money which is his ricebowl. So if you are in the mood, just call him up and scold him back coz it's YOUR RIGHTS

Hamster9,

I really appreciate ur kindness in helping me to get the claims. You dont even know me or earn any of my commission but yet your offer to help me. How I wish everyone in AIA are like you so that the customer face less problem.

I will definately switch agent after this matter has solve or when I am free to draft the mail to AIA.
I dont understand one thing here which you mention, that is you say "Laparoscopy Ovarian Drilling" this treatment are in borderline and can be cover if cases like mine. Since I have this example, the same senario, I ask AIA they still bring me circle and dont commit to me. They cant assure me that if this situation happen again in the future, the same senario, even they cant get the GL at least they will assure me to file-in and proceed with the claim. Therefore I wont hesitate to pay first. I wish to have a black and white about this facts here. But my understanding here after talk to So many customer services people in AIA is LAPAROSCOPY OVARIAN DRILLING is not COVERED. Other insurance covered this treatment but not AIA.

I afraid of my agent because I respect him since he was my ex-manager before. But with the service I got from him, I wont hesistate to complaint and switch the agent.

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

alll above will come true if the citizens would like to pay 20% for their taxes.

BTW, the gov hospital is always there for your choice and I've met several doctors/specialist who are at their best in their speciality in government hospital. It's just the public mindset to go to a private hospital when both provide the equal QUALITY of service.

This post has been edited by hamster9: Nov 18 2008, 11:28 AM

I don't mind paying 20% tax if it eliminates all these problems plus u get top quality free medical service, doctors on free housecall after working hours(eventhough it may be just a stomach ailment of fever), free university education, unemployment benefit etc etc. For EU countries, eventhough the tax is higher, so is the salary. A normal household earns $8000 euros a month after taxes. On average a salaried worker gets 5 weeks of holiday and bigger companies offer 8 weeks of paid holidays per year. If you get married, you get extra 1 week paid leave for your honeymoon. No wonder the life expectancy and quality of life is higher in most developed countries. Well.. for us 2020 perhaps?

What u said is true also.. we do have a small amount of govt clinics available with good doctors just that not many people know about it and it is not enough to cover the whole population.

This post has been edited by DannyOP: Nov 18 2008, 11:50 AM

Which means it's less full.

with the amount of oil money we could easily achieve free medical for all citizen unfortunately our G choose to subsidize for all other thing which is not life threatening.

I brought from my aunty, anyway my whole family brought from her and the claiming so far was no problem
even i have not claim anything yet so far, i think the most important when buying a insurance are the AGENT it self !!!
must be RELIABLE, HONEST, WILLINGLY TO HELP, CREDITABLE, and some one you could always FIND!!!

From this thread, most insurance companies are nearly the same & the agent makes the most difference during claims.

Every potential customer should ask for a performance scorecard, before buying from an agent. To grade agents, not just on how much sales they did.

Some basic numbers.
1. How many current clients do you have?
2. How many years of fulltime insurance work?
3. How many claims have you successfully processed?
4. How many difficult claims have you assisted? give reference info to contact.
5. How many failed claims? give reference info to contact.

No factual answers, no deal. Even if you are my hot sexy virgin girlfriend's father.