Buyer be aware
I hate to say that there are not many truthful insurance agents in this world. As a part-time agent myself, I am shame on those agents don’t explain to their client what the policy covered.
My auntie is hospitalizing since few weeks back and the medical bill is big enough for me to purchase a new Myvi. My uncle is not aware that my auntie’s health insurance does not cover the disease because it has been excluded. He does not know what is included or excluded. In a normal situation, any pre-existing disease will be not cover by the insurance company. This is because who want to insure a time bomb and lost money. However, the agent should at least tell my uncle on the exclusion.
I drove one hour plus from KL to Malacca to see my auntie. I saw my uncle helpless seating beside my auntie’s sick bed. When he saw me, he immediately seeks my advice on the insurance, hope that I can help him to claim. It is hard for me to inform that I am unable to help after I read the policy. I know he is sad, but what can I do. The policy clear stated it does not cover the disease or any related illness cause by the disease. It is sad that my uncle really need the money to pay the medical bill, and he felt cheated by the agent.
Please be aware what kind of insurance you have purchase and read the policy carefully. :)
2 comments:
Tell me when you're in malacca!
Paul
I can't help but put a comment here. I just fucked the insurance people recently, the agent, the people at the HQ etc. They are in the industry solely on the purpose of doing business and not to care for their customers as how they put it WHEN they want YOUR BUSINESS.
Where's the logic when one's claim is delayed "due to investigation" when the dues have been paid on time??? Payment, they want on time. But reimbursement, they can take their own sweet time. Logical? Sorry. I am not so intelligent to see the logic.
Of coz there are procedures and rules to be followed, but to me, I don't like these one bit. So, if I don't like the rule of the game, I don't play. Simple. I don't need it.
I am cancelling my all our 8 fucking policies when they expire and set up a private insurance fund on my OWN. This personal fund won't delay any claims (if any), for it is ME who is going decide the payment!
Fuck AIA and fuck the insurance bitch named LH Wan. Worthless stinky cunt.
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