Complaint About AIA insurance
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 Apr 1 2009, 09:08 AM
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#1
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Senior Member
1,349 posts Joined: Jan 2003  
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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!
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Apr 1 2009, 11:24 PM
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#2
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Senior Member
1,349 posts Joined: Jan 2003
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QUOTE(aloony @ Apr 1 2009, 08:55 PM) Hi, I've my own style of buying insurance plan. Maybe you could study it and see whether it is useful to you... 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 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.   |
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