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““I would say for most if not all insurance. They will sell you the package but when it is time to do coverage, after all calculations there will be some excuse or kinks that were not included earlier which would result to claims being partially covered if not, not covered at all. So far I've been able to cover certain things but definitely not all in terms of what was pitched the first time around when trying to get my sale””

““AmMetLife Takaful Berhad truly came through for my family. When my father needed urgent heart surgery in April 2024, their swift claims process allowed us to proceed without delay. The surgery and post-hospital recovery were fully covered, which eased the financial burden significantly. Their customer service team was empathetic and walked us through every step of the process. I highly recommend them for anyone seeking reliable coverage during critical times.””

““I’ve been with Prudential for almost 6 years, and I couldn’t be happier with their service. Their medical insurance gave me peace of mind during an unexpected hospitalization last year. Claims were processed smoothly, and the reimbursement was faster than expected. The Pulse app is a bonus – it helps me track my health and access services easily. Definitely worth it!””