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.

     

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. 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!

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 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.

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Added on May 21, 2008, 10:41 pm

I 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!!!

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