Jumaat, 12 Jun 2015
Having contribute for Prudential BSN Takaful Medical Card for 4 years, I claimed for critical illness after CABGS from Prudential.
The doctor reported that I had hypertension since 1995.
After seeing the report, Prudential asked me to obtain the Doctor's report when I first diagnosed having hypertension. That was way back in 1995.
I called Klinik Bandar but the Doctor was not around any more.
Then I requested a Doctor that attend to me in 1997 to write the report.
What I am complaining is that Prudential use the 1997 Doctor's Report to pin me stating that I did not declare my health when I first took the insurance. Honesty doesn't pay, isn't it.
The agent did not show me the health declaration form. I assumed that he marked the report himself without my knowledge just to get his commission. Secondly, Prudential did not even check with me whether the declaration is true or not. (Just like the bank verify those apply for personal loan to ensure the applicant is a genuine applicant)
By rejecting my claim and terminate my policy, Prudential has shut the door on me to apply for other medical cards because it is now too late.
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