Seriously insurance industry needs to be revamp. With technology and human resource, I don't understand why claims are made so difficult.

It's sends out a sinister message that it tries to wear out the will of customer to claim by having him go through red tapes and checks. By doing so, they can profit from it.

Evil and dirty industry to the core.

The industry need a body like mavcomn where people pay rm1 to keep complaints and disputes in check. Sue and penalize the evil and dirty tactics of the business.

The only thing that is easy to understand is the death payout. (die get paid)
All the others are endless fine prints.

Scums.