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.

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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.

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 pm
My 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.