hi all i am planning to get insurance, would like to have some advice on which insurance to go with, is AIA insurance medical coverage good? cause heard that some hospital need to pay upfront claim later is all other insurance company also same? or any other insurance company that is advisable to go with? thanks alot ppl. appreaciate it very much!

Hi, I've my own style of buying insurance plan. Maybe you could study it and see whether it is useful to you...

I bought total 3 policies from AIA through a same agent.
The total premium is approx. RM600 per annual.
The policies include 36 major illnesses, medical card and personal accident.
All 3 policies are yearly renewable, in other words, it will burn every year and it'll only continue back after i pay in the year end.
So far, I've paid for almost 5 years and the premium remain same without review.
In these 5 years, I'd went for 2 surgeries and they cost me around RM14K. All are claimable back from AIA through the same agent.

I choose this way of insurance coverage because I strongly believe we could only buy their insurance service but not their investment/ saving services. Otherwise, you'll end up buying a costly insurance with lowest investment return.

I don't mean everyone will agree to my style but i think it maybe good to share to you all.

Thanks.

mine also dont have investment 1 but i need to double check with the agent and see if the policies are yearly renewable. cause i mainly need to cover on medical but she gave the plan include PA and also 36 illness and every month i need to pay rm180 for the policy. Am i doing the right thing?

I am thinking of changing my agent but do not want to surrender my AIA policies which I have been keeping more than 6 years now.

I am just sick of my current agent. Calls to her handphone are never answered. Even phone calls to her office and manager's office has no replies.

Anybody knows of a good AIA agent in Penang ? Pls PM me.

Thank you.

Well as i heard if ur holding ING or AIA and u got admitted u still have to pay deposit upfront b4 get admitted... Yes it means u pay all the expenses of ur medical and then claim back from ur insurance company..
But not all the companies practicing that..
Like Prudential with their PruLink policy n Great Eastern are for more better.

I was admitted to the hospital..but my the company i work for bear all the charges.. and i am a Prudential PruLink Policy Holder.I informed my agent that i was admitted and also told him that my company will pay for the medical.. but still he came n visited me n see the doctor to get the reports.. 1 week after that he handed me over a cheque.
I asked why is that ??
He said even im still entitle for my hospitalization.. according to my policy
Which Room - RM200 / day
Surgery - Up to rm 7k claim / unit( depends where is the surgery) ( i got 3 units)
so i was admitted for 4 days and surgery for dialysis
wow i still have some cash for spend.. hehe