@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!

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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.

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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