The commission paid to the agent shouldn’t reduce direct from our premium, it should be a cost to the insurance company like bank. Banking doesn’t charge the agent commission to our loan amount.
Yes, it is correct to a certain extent that investment-linked insurance is a scam. People who do not understand the content of the policies always feel they have been cheated at a later stage after purchasing the policy. Whenever there is an increase in my insurance premium, I will repeat reading the entire policy booklet (almost 200 pages). Every time I read it, I will discover a few more unfair clauses that favour the insurance company. I also feel cheated as I discover more & more unfair clauses that the agent did not highlight to me before I purchased the policy.
Insurance agents will only tell the "good things" when they sell you an insurance. They will HIDE the downsides of the policy and will NOT tell you the clauses that do NOT favour the policyholders. I would say 90% of Insurance agents are dishonest. They just want to sell the products to make money!
Yes, a lot of insurance agent are dishonest. Each policy, they will receive 7 years of commissions. Hence the policy holder forever paying commission to their agents.
Insurance agents will only tell the "good things" when they sell you an insurance. They will HIDE the downsides and will NOT tell you the clauses that do NOT favour the policyholders. I would say 90% Insurance agents are dishonest. They just want to sell the products to make money!
Uncle很敢讲，句句真实。另外我感觉买了保险依然有风险不获保，等于“有风险的”风险保障，那要嘛就完全不买赌运气，要嘛就买多多份不同保单不同保险公司买到穷（但是有意义吗？），我觉得保险是一种奢侈品，有钱人才玩的起的东西，保险就是一门生意，医院是一门生意，生意肯定想赚不想亏，结果买保险只是买个安心的感觉，跟有没有获赔是完全另一回事，到最后还是两个字：运气 。 所以买不买都是靠运气，自己好好照顾自己，活在当下，看见agent要拉黑。多看BFM财经 哈哈
The commission paid to the agent shouldn’t reduce direct from our premium, it should be a cost to the insurance company like bank. Banking doesn’t charge the agent commission to our loan amount.
@rambutans5857 yes, u r right. Sales staff is earning from bank whereby bank portion pay to them.
保险骗人的，保险公司列出100项条款，99条符合，一条不符合，就不赔给你。这是不公平的，其实应该符合51条以上，就应该获得理赔。
Yes, it is correct to a certain extent that investment-linked insurance is a scam. People who do not understand the content of the policies always feel they have been cheated at a later stage after purchasing the policy. Whenever there is an increase in my insurance premium, I will repeat reading the entire policy booklet (almost 200 pages). Every time I read it, I will discover a few more unfair clauses that favour the insurance company. I also feel cheated as I discover more & more unfair clauses that the agent did not highlight to me before I purchased the policy.
你不会不知道赔偿的钱是大众的钱而不是公司的钱吧，反而公司负责人追回才是对大众负责
要搞懂policy 才能跑漏洞，我每一年body check 都是医药卡settle，我朋友也是一样，前些时间还做了个小手术，一样是医药卡解决
malaysia health system is not transparent for consumer to see their personal records. hard for everyone to remember 20y history etc.
我觉得邀请的嘉宾在回答问题时逼重就轻也有时也说的模棱两可。
Yes, very true by Uncle. Private Hospital & Insurance (including agent) all are money minded & commercialised already nowadays.
以前年轻在新加坡打工时，经常会遇到的士uncle 抱怨新加坡人可以死不可以生病。
现在我们马来西亚人比当年的新加坡人更惨，人家现在几乎是全民受基本保了，公积金有医药保健储蓄，保险。
保险要赚消费者钱，又怕消费者隐瞒， 为什么不能买乐保单，保险公司安排他们自己的body check up，连续3年或者5年，相信消费者很愿意去的
report看了，保不了就把之前的三五年的钱退回来
相信消费者也慧恨steady 配合
这样做是很不错，很透明。可是不做到模稜两可的话，保险公司吃甚么？
又推給消費者？不會英文的老人？婦人？文化不高的人呢？就該被騙？
不止是老人妇人读书不高的人，刚踏入社会的新鲜人大学生，也很好骗。只要一句“买保险要趁早，越年轻买，就会越便宜，以后医疗费会越来越高”。这样在朋友圈传开，通常都很容易得手签保的。不过，人寿保险，的确是越早买越好。因为时间久了，资金就当作储蓄增值。
😂对的
our host ganjiong when making summary at the end...
大家需要有一个基本知识是保险赔偿的钱是大众的钱而不是公司的钱，反而公司负责人追回不应该赔偿的钱才是对大众负责。因为赔出去的钱是大众的钱
Are there any health insurance in Malaysia, that has the "no claim discount" feature?
Prudential have
马来西亚有没有健康保险有”non-claim discount" 的呢？
Insurance agents will only tell the "good things" when they sell you an insurance. They will HIDE the downsides of the policy and will NOT tell you the clauses that do NOT favour the policyholders. I would say 90% of Insurance agents are dishonest. They just want to sell the products to make money!
不一定哦，现在私人医院也接收很多国外病人，例如印尼。。。
人民不认识字是硬伤啊，代理员和你玩文字游戏啊，我们常说赚钱要有良心，代理朋友说把良心丢了可以赚更多钱啊
千錯萬錯都不是保險公司的錯，你們自己審核不嚴謹怪人咯😂
Yes, a lot of insurance agent are dishonest. Each policy, they will receive 7 years of commissions. Hence the policy holder forever paying commission to their agents.
Insurance agents will only tell the "good things" when they sell you an insurance. They will HIDE the downsides and will NOT tell you the clauses that do NOT favour the policyholders. I would say 90% Insurance agents are dishonest. They just want to sell the products to make money!
医药价钱不诚恳
听了8分钟，最没有料的一期BFM
你说你自己没有料是吗？
The host cannot pronounced "CO-Insurance" properly. She pronounced it as "CALL-Insurance"
为什么不学台湾的健保体制?🤭
因为台灣健保不可持续，同时马来西亚政府医院其实比台灣健保收费更便宜，所以也是无长期维持下去。是谁在付钱是重点
政府医院也不错啊
@@yhteh9973 台灣健保1995實施到今日，為何不可持續，保費還是會持續調漲，保費是由個人、企業、政府分攤，保費大約薪資的5點多%，即使沒工作的每月自己繳百多元令吉就可以維持遠比馬來西亞醫療卡便宜多了
台灣的全民健保是目前世界上最好的醫療制度，患者可以到私立醫院或診所都涵蓋在健保內，尤其是費用高得嚇人的罕見疾病，都在健保範圍內
@@Sun-lf5hn薪水每个月需要贡献很多去这个健宝吗？