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View Full Version : Sihat Malaysia, agent played me out!



blurrman
06-02-2006, 03:46 PM
guys,

need your advise.

i have purchased Sihat Malaysia Insurance Plan, the agent i think got pissed of with me when i sold my car and did not buy the new car insurance from them.

so i suspect they purposely don't want to send me renewal notice for my Sihat Malaysia plan, now it is overdued, supposingly they can backdate the cover note and allow me continue but they are refusing to do it for me, and now i have to buy new one and wait for another year before i can make any claim.

what should i do?

cheers

Rocky19
06-02-2006, 04:35 PM
has it been more than 30days?if no, they can do it for you.Otherwise go to another insurance company and see if they can take over without waiting period. try AXA etc.Time to go to another agent or insurance company.

mlkok
06-02-2006, 07:06 PM
guys,

need your advise.

i have purchased Sihat Malaysia Insurance Plan, the agent i think got pissed of with me when i sold my car and did not buy the new car insurance from them.

so i suspect they purposely don't want to send me renewal notice for my Sihat Malaysia plan, now it is overdued, supposingly they can backdate the cover note and allow me continue but they are refusing to do it for me, and now i have to buy new one and wait for another year before i can make any claim.

what should i do?

cheers

Which is overdue now? Your Sihat or auto insurance? Which company did you get it from?
If it is the Sihat and not 30 days overdue, you might have to submit another application form but they will most likely waive the 12 months waiting period.

If it's more than 30 days than sorry. You'll have to get a better agent. :D

blurrman
06-02-2006, 07:13 PM
Which is overdue now? Your Sihat or auto insurance? Which company did you get it from?
If it is the Sihat and not 30 days overdue, you might have to submit another application form but they will most likely waive the 12 months waiting period.

If it's more than 30 days than sorry. You'll have to get a better agent. :D

sihat malaysia dued, immediately after i change car, i had a feeling that the agent will played me, just that it is also my mistake for not taking care of my payment due date.

changing agent is what they want, i guess the auto insurance gave them more profit, so after i change car, they must well just let me move...what the...

mlkok
06-02-2006, 07:31 PM
Suggest you call up the insurance company and find out what your options are if you have not done that. They longer you delay, the worse it is.

blurrman
06-02-2006, 09:32 PM
Suggest you call up the insurance company and find out what your options are if you have not done that. They longer you delay, the worse it is.

insurance company said it is the agent's responsibility to remind me, but the agent said it is the insurance company's responsibility to remind me, its already 2 months laps...

anyway just read some other options, mostly giving immediate cover upon approval...just checking more options now...

thanks

jessi24
07-02-2006, 01:03 AM
Sorry to say this but usually the insurance company will send out a renewal notice and it may have got lost in the mail. The responsibility is yours actually. The due date should also be stated clearly on your policy. It is your choice as a consumer to choose which company you would like to purchase from if you are not happy with the agent and the company but sihat malaysia is one of the cheapest.

blurrman
07-02-2006, 11:52 AM
Sorry to say this but usually the insurance company will send out a renewal notice and it may have got lost in the mail. The responsibility is yours actually. The due date should also be stated clearly on your policy. It is your choice as a consumer to choose which company you would like to purchase from if you are not happy with the agent and the company but sihat malaysia is one of the cheapest.

hi jessi,

i fully understand that it is my own responsibility to make sure i pay on time.

this is a service industries, the agent has my number, they used to call me, they change atitude after my new car.

rgds

AKIL
07-02-2006, 01:41 PM
look at the AIA policy, no waiting period, and also pretty damn good benefits. no regrets and no fuss when claimed.
if you need agent to service, PM me. i have been getting very good service

aloy105
07-02-2006, 02:27 PM
ps all medical policies will hv waiting period,, some 1 mth, some even 1 yr..
Me with aia, 30days except accident case which is immediate(subject to application approved) , 120days if its a growth, and also some other minor exclusions.,otherwise it gives pretty gd benefit for value.like the 'excelcare plan'... But most important take extra care on the small prints in every ins.policies..more attention n understanding required on the exceptions/exclusions so as to prevent future misunderstanding when claims arises..Quality of after sales service is also questionable with policies sold thru direct sales method, try going to full time agents....PM me if hve futher queries ;)

ksj_cool
07-02-2006, 06:07 PM
While we are on the subject of Health Insurance, can someone recommend me other health cover apart from Sihat Malaysia. Personally I find Sihat Malaysia expensive.

clarence
07-02-2006, 06:33 PM
Don't just consider the premium as the only factor.Most important, upon claim, how much is your entitlement, will the policy be renewed automatically with loading be impost upon claim.

aloy105
07-02-2006, 11:27 PM
yes! dont just look at premiums,, look at the benefits available,yr budget, yr 'wants', n also the various small prints,exclusions,waiting periods n lastly claims experience of the company.... lastly value for the $ u wish to pay for.
as saying goes....u pay peanuts u get........ ;)

expat1609
07-02-2006, 11:46 PM
yes! dont just look at premiums,, look at the benefits available,yr budget, yr 'wants', n also the various small prints,exclusions,waiting periods n lastly claims experience of the company.... lastly value for the $ u wish to pay for.
as saying goes....u pay peanuts u get........ ;)

as saying goes....u pay peanuts u get........ MRR2 ? :D

oh sorry wrong thread ;)

expat1609
07-02-2006, 11:49 PM
.. but serious, blurrman, when reading about the "hate" of this agent against you, have you checked the status of ur medical card?
not that he turns it into discontinued by the insurance company !
then i heard from my agent you could be in deep s*** :eek:

aloy105
08-02-2006, 12:03 AM
blurrman...many medical ins.like sihat malaysia plans falls under general ins. category,, which means premium b4 cover,,,, like car n PA ins..So if no premium recd, policy lapsed,no backdating allowed..different fr those attached to life plans, where there is grace period allowed.

THe company would hve sent u reneval notice,min 1 mth b4 due date,, possibly u hve not recd it thru the mail, or address differs. Sometimes the agent will not hve close follow ups on yr case, like those tying up with motor sales companies..as u might hve purchase fr reps.of the actual agents.(if u know what i mean) ;) ..feel free to pm if my services can be useful to u :)

blurrman
08-02-2006, 11:01 AM
.. but serious, blurrman, when reading about the "hate" of this agent against you, have you checked the status of ur medical card?
not that he turns it into discontinued by the insurance company !
then i heard from my agent you could be in deep s*** :eek:

hi expat1609,

can u please elaborate? thanks

cheers

keith
08-02-2006, 01:02 PM
As far as I know, for Sihat Malaysia, the insurance company will send you directly the renewal notice. I guess it just went missing and never reach you. There's a validity date on your Sihat Malaysia card, just like credit card.

expat1609
08-02-2006, 09:56 PM
hi expat1609,

can u please elaborate? thanks

cheers

hi blurrman,

first i have to say, i am not in the insurance business, so i can only repeat what my agent has told me.
she said, if once continuing your medical card has been declined by any insurance company (note by them, not by yourself) you will have problems to get any medical card in malaysia.
as they are exchanging their informations, once company a has refused to continue your card (e.g. because u made a claim) all others will know your name and history. let's say they refused and stated "high claims" as the reason, all insurances will know you as a very sick person and can refuse to give you any medical card.

once again, the info from my agent, can anybody confirm, or have i been tricked too??

clarence
08-02-2006, 10:28 PM
Yeap, once a claim is made, and in the insurance proposal form, questions will be asked, whether, you have any claim and nature of claim? If you do not disclose it, then Ha ha, upon claim, they will disclaim the claim for not disclosing the previous claim, ( if the claim is due to previous illness). Oh yes, they can check your claim from the network of insurance company. Thus purchase from the insurance company with care. Don;t try to cheat them, and yuou will be the last to be cheated.

expat1609
08-02-2006, 10:35 PM
Yeap, once a claim is made, and in the insurance proposal form, questions will be asked, whether, you have any claim and nature of claim? If you do not disclose it, then Ha ha, upon claim, they will disclaim the claim for not disclosing the previous claim, ( if the claim is due to previous illness). Oh yes, they can check your claim from the network of insurance company. Thus purchase from the insurance company with care. Don;t try to cheat them, and yuou will be the last to be cheated.

not like that lah.. :D

i was told not to buy the cheapest, as if i have one legal claim, they can refuse to continue my medical card at next due-day.
and then i am in their network, blacklisted for every insurance, even i have made only a regular, legal claim.
with bigger insurance this would not happen, they guarantee to continue..

clarence
08-02-2006, 11:47 PM
It is not about cheapest premium, its about renewal, whether guaranteed renewal yearly or not,that is important.If you hit a serious problem and the renewal is guarantee, then no problem, (once in already in). What happen , with your serious problem, will big insurance company accept you? if your insurance renewal is rejected by the current insurance co.

blurrman
08-02-2006, 11:51 PM
sounds like "YOU WIN I LOOSE" kinda story...malaysian consumers really have no bargain...

expat1609
08-02-2006, 11:52 PM
It is not about cheapest premium, its about renewal, whether guaranteed renewal yearly or not,that is important.If you hit a serious problem and the renewal is guarantee, then no problem, (once in already in). What happen , with your serious problem, will big insurance company accept you? if your insurance renewal is rejected by the current insurance co.

ic, so i did right to follow this advise and choose the one with renewal guarantee instead of the cheaper policy of others (where benefits looked quite equal)?? just slightly cheaper anyway :D
so can assume my agent is o.k. then, not created a stroy just to close the deal ?

clarence
09-02-2006, 12:00 AM
One word of caution, the premium can also increase as years goes by , due to age, unless premium is guarantee fixed, (nowadays hard to find one with guarantee fixed premium and guarantee renewal.) Oh there is also the maximum amount of claimed allow during the life time of the policy or maximum yearly amount for claim.

clarence
09-02-2006, 12:08 AM
"sounds like "YOU WIN I LOOSE" kinda story...malaysian consumers really have no bargain..."

on lah blurman, there are many case of you win and insurance company losses, opps not lah, it alway the contributions of all mankind to some unfortunate suffering human being. Insurance is just a middle man collecting money and paying money. In that process, they make some monies .

charis14
09-02-2006, 10:07 AM
For those who cannot or choose not to pay huge amounts for the hospitalisation insurance cards, you may want to consider AAM's plan.
The premium is very much cheaper. My family is covered for RM35.50 per month - 2 adults & children (at 10% cover).
Coverage is proportional, with the burden shared between policy holder and insurance company, with high cover for generally unexpected ailments. Not good for those who check into hospitals for the slightest viral infection. Excellent for those who merely want to be protected against sudden huge bills.

aloy105
09-02-2006, 01:59 PM
medical ins.tied with life ins.are generally guarantee renewal, even after a major claim..medical ins.under general ins.category are generally not guarantee of renewal,likely additonal loading after a major claim/possible recurring claims..
if u are rejected by an ins.company for cover, other ins.companies can obtain infor thru their shared systems, n also yr self declarations in the application form..The new co.may accept u base on what type of claims u made b4,,whether it is possible recurring illness or otherwise,OR there might just be some additional exclusion clauses/loading on yr application.

in ins. its nothing like"U WIN I LOOSE, or I WIN U LOOSE"..its a sharing of the unexpected cost becoz of hospitalisation or premature death.
:rolleyes: I rather pay the premium every year than claiming every yr...coz i rather not want to be hospitalised.. ;) :D pay a fee for being physically well