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Pusat Khidmat Aduan Pengguna Nasional dakwa skim insurans itu tidak nyata maklumat penting, hanya ‘keistimewaan’ seperti pampasan 400%

PETALING JAYA: Pusat Khidmat Aduan Pengguna Nasional (NCCC) menasihatkan warga emas berhati-hati dengan tawaran insurans menjanjikan pelbagai ‘keistimewaan’ termasuk pampasan sehingga 400%.

Pengurus Kanannya Saral James Maniam mendakwa, iklan insurans itu yang kini giat dipromosikan juga menawarkan bayaran bulanan rendah serta manfaat kematian dan matang 100%.

Katanya, syarikat terbabit cuba meyakinkan orang ramai dengan meletakkan ayat seperti 100% diterima tanpa syarat dan tiada pemeriksaan kesihatan selain melindungi penyakit kritikal seperti diabetes, kanser dan jantung.

Namun, katanya di sebalik janji manis itu tersembunyi pelbagai risiko berikut menjerat pengguna terutama sasaran warga emas berusia 50 hingga 70 tahun yang mungkin tidak menyedari perjanjian ditandatangani mereka.

Saral berkata, kesangsian timbul kerana tidak dinyatakan maklumat tempoh menunggu, pengecualian perlindungan atau situasi di mana tuntutan mungkin ditolak.

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Online 'steals' and deals that rob you blind: Fomca urges Malaysians to wise upKUALA LUMPUR: Malaysians have been warned to stay alert amid the rising tide of online scams disguised as "investment" opportunities" or shopping deals that seem too good to be true.

Federation of Malaysian Consumers Associations (Fomca) vice-president Datuk Indrani Thuraisingham said scammers typically baited victims with schemes or deals promising quick gains or huge savings with no risks.

These scams are often made to appear believable by linking them to clone websites.

Indrani said there were ads that promised RM10,000 in returns within 24 hours for a RM200 investment and "instant loan approvals".

"These scammers often ask victims to transfer money into personal accounts, using urgency like 'limited time only' to pressure quick action," she said, adding that many such schemes exploited the anonymity of online platforms and weak user awareness.

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Investment advice from finfluencers should be treated with an abundance of caution, say experts. — UnsplashIn a TikTok video, a young man can be seen exiting a luxury car while holding a designer bag. In the video caption, he says that in the year 2025, more people have the potential to be millionaires.

“For those who want to be a millionaire, click on the link in bio to learn how to be a financial trader for free,” he adds.

The link in the bio will lead users to a Telegram channel where he says that viewers can become successful traders by investing at least US$100 (RM443) to earn more than US$2,000 (RM8,866) in return through an online platform. He claims that the profit will be transferred into their account in less than two days.

Then he says that he will take a cut of up to 20% from each successful investment.

In another video, a self-proclaimed trader with ­hundreds of thousands of ­followers shares that users only need US$100 to start trading and achieve ‘financial freedom’. She recommends a specific broker trading app.

However, a check by LifestyleTech revealed that the recommended platform has been flagged by the Securities Commission under its Investor Alert List in 2024 for “carrying on unlicensed capital market trading activities of dealing in securities”.

Investors are advised not to deal or engage with entities that have been marked under the Alert List as they will not be protected under Malaysia’s securities law.

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Is A Lifetime Warranty 100% Guaranteed or Misleading? - RetailWireDespite the existence of the Consumer Protection Act 1999, most consumers don’t realise that such disclaimers may actually violate their basic rights.

Buying a new product should bring peace of mind—not a legal headache. But in Malaysia, the confidence consumers place in warranties is all too often misplaced. From denied claims to ambiguous “no return” policies, many Malaysians are finding out the hard way that warranty protections are weak, uneven, and poorly enforced.

When “warranty” means nothing

You buy a brand-new bed, backed by a one-year warranty.

Within months, it starts falling apart—not from misuse, but from shoddy installation. You show the evidence.

The seller? Ghosts your messages, shrugs off your claim, and stalls until the warranty runs out.

No inspection. No action. Just silence. In the end: no repair, no refund.

Warranty? Worthless. Your money? History.

This isn’t a horror story—it’s a real complaint filed with the National Consumer Complaints Centre (NCCC) in March 2025.

And unfortunately, it’s just one of many stories where "guaranteed peace of mind" turns into a consumer nightmare.

In retail shops and online platforms alike, “No warranty, no return” is still treated as a standard business clause in Malaysia.

And despite the existence of the Consumer Protection Act 1999, most consumers don’t realise that such disclaimers may actually violate their basic rights.

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நாட்டில் நியாயமற்ற உத்தரவாத காப்புறுதி பாலிஸிகள் அமலாக்கம் குறித்து மலேசியர்கள் உணர தொடங்கி விட்டதாக தேசிய பயனீட்டாளர் புகார் மையத்தின் உயர்நிலை நிர்வாகி சாரால் ஜேம்ஸ் மணியம் கூறினார்.


இந்த காப்பறுதி பாலிஸிகளில் உரிமை கோரிக்கைகள் மறுக்கப்படுவதோடு ‘திரும்ப கிடைக்காத’ கொள்கைகள் பயனீட்டாளர்களுக்கு அதிர்ச்சியை தந்து வருவதாக அவர் சுட்டிக் காட்டினார். இந்த காப்புறுதி பாலிஸிகளில் உத்தரவாத பாதுகாப்பு பலவீனமாக இருப்பதோடு மோசமான அமலாக்கத்தில் உள்ளதாக அவர் சுட்டிக் காட்டினார்.


உலகளவில் பயனீட்டாளர்கள் எழுத்துப்பூர்வமான பாதுகாப்பு உத்திரவாத அட்டைகளில் மட்டுமின்றி, வலுவான சட்டங்களை முன்வைத்து பாதுகாக்கப்பட்டு வருவதாக அவர் சுட்டிக் காட்டினார்.


ஆஸ்திரேலியாவில் ஒவ்வொரு பொருள் விற்பனையும் பயனீட்டாளர்களுக்கு முழுமையான உத்தரவாதம் அளிக்கப்பட்டு வருவதாக அவர் சுட்டிக் காட்டினார். பிரிட்டனில் ஒரு தவறான பொருள் 30 நாட்களுக்குள் திருப்பி செலுத்தப்படும் சலுகை இருப்பதாக அவர் சுட்டிக் காட்டினார்.

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கூடுதல் வெ 5 கட்டணம் மீதான கேடிஎம் நிறுவனத்தின் ஒப்புதல், பயணிகளுக்கு மறைமுக கட்டணத்தை விதிக்கிறது என்பது நிரூபிப்பதாக மலேசிய பயனீட்டாளர்கள் சங்கங்களின் சம்மேளனம் (போம்கா) சாடியது.


நெகிழ்வு கட்டண முறை என்ற போர்வையில் வெ 5 கூடுதல் கட்டணத்தை ரயில் பயணிகளுக்கு கேடிஎம் விதித்துள்ளது வேடிக்கையாக இருப்பதாக போம்கா தலைவர் டத்தோ டாக்டர் மாரிமுத்து நடேசன் கூறினார். இந்த கூடுதல் கட்டண அமலாக்கத்திற்கு கேடிஎம் பொது அறிவிப்பு எதையும் செய்யவில்லை என்றார் அவர்.


தனது நெகிழ்வு கட்டண முறையில் அனைத்து டிக்கெட்டுகளுக்கும் இந்த வெ 5 கூடுதல் கட்டணம் சேர்க்கப்பட்டுள்ளதாக கேடிஎம் விளக்கம் தந்துள்ளதாக அவர் சுட்டிக் காட்டினார்.

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KTMBKeretapi Tanah Melayu Bhd’s admission that the extra RM5 charge is part of its Flexi Fare pricing system proves it is a hidden cost, says the consumer body.

PETALING JAYA: The Federation of Malaysian Consumer Associations (Fomca) has doubled down on its claim that Keretapi Tanah Melayu Bhd (KTMB) is imposing “hidden” charges on rail commuters.
The consumer body’s president N Marimuthu said KTMB’s response to complaints by senior citizens and the disabled reinforced its contention that an overall fare increase had been put in place without any public announcement.

“KTMB says the RM5 fee is included in all its ticket purchases under its Flexi Fare pricing system, which adjusts ticket prices based on various factors for all modes of purchases. This is in fact a hidden price.

“The disabled man, who was charged RM5 for each of his three ticket purchases over-the-counter, paid the amount on top of the overall fare,” he told FMT.

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Free Malaysia TodayPETALING JAYA: The Federation of Malaysian Consumers Associations (Fomca) has slammed Keretapi Tanah Melayu Bhd (KTMB) for imposing an additional RM5 fee on travellers who purchase their tickets over the counter at railway stations.

Fomca president N Marimuthu said levying a fee for all over-the-counter purchases was unacceptable, and that insisting that disabled Malaysians and senior citizens also pay the RM5 charge per ticket was “extremely heartless”.

“We have received a few complaints about this over the last two weeks. They were told that they should download the KTMB app if they want to avoid the fee.

“Are the officers joking? How would a visually disabled person use an app? What makes matters worse is that others cannot use the app to book tickets for the disabled and senior citizens. 

“Why is it so difficult to accommodate these groups of Malaysians, who do not comprise a big number overall? This is totally unacceptable to the most vulnerable groups of Malaysians,” he told FMT.

Marimuthu said he was told that KTMB had invested a lot of money in upgrading its infrastructure and introducing online services, and thus wanted to recoup its capital expenditure.

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PETALING JAYA: After years of fighting the scourge of counterfeit engine oil, the authorities are now cracking down on the slippery offenders.

The Trade Descriptions Order (Certification and Marking of Engine Oil for Motor Vehicles) 2024 came into force on Monday, allowing consumers to identify genuine motor vehicle engine oil from the many fake products in the market.

Interest groups say the move will protect consumers, while helping authorities curb the sale of counterfeit oils.

The order was actually gazetted on Oct 11 last year but the government had given manufacturers six months to comply with the directives.

Under this directive, those looking to supply motor vehicle engine oil have to make an application to SIRIM QAS International Sdn Bhd, as the competent authority, to obtain certification and conformity label.

Engine oil here refers to oil used for lubrication of internal combustion engine motor vehicles.

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In January 2025, Azrul Mohd Khalib who is the Chief Executive of the Galen Centre for Health and Social Policy, highlighted that an estimated 70% of private hospital charges remain unregulated. This means that hospitals have the liberty to set arbitrary prices for a range of items and services, including essential medical equipment such as wheelchairs, heart monitors, and even emesis basins. Only 30% of hospital bills are regulated, primarily covering specialist fees and medication. This lack of oversight has led to numerous cases where patients unknowingly pay excessive sum of medical bills for items that should otherwise be reasonably priced.

Hidden hospital charges, often labelled as profiteering, are a widespread problem in Malaysia. For example, a simple medical glove that costs RM5 per pair might be billed at RM20. In most cases, this creates an unjust financial burden on patients who pay these inflated charges without question. The issue arises primarily because patients rarely scrutinise their medical bills, either due to a lack of knowledge or because they assume that everything charged is legitimate. As a result, they end up shouldering excessive costs without the ability to challenge these expenses.

One of the most alarming aspects of hidden hospital charges is the suppression of information. Some hospitals use this tactic to increase their revenue without the patient's awareness. A notable NCCC’s case involves Complainant B and Hospital C, where Complainant B’s daughter, a minor under 12 years old, was diagnosed with a cervical cyst. The hospital proceeded with numerous procedures without informing Complainant B that certain treatments were not covered under his company's insurance.

Complainant B, who relied on a Guarantee Letter issued by his company, believed that all medical expenses would be covered. However, despite knowing which procedures were claimable and which were not, the hospital failed to communicate this crucial information. The bulk of the hospital bill was covered by insurance, yet Complainant B was left with an out-of-pocket expense of RM5,000. Following several rounds of negotiation, the hospital agreed to reduce the amount to RM3,500 after a discount. Nevertheless, Complainant B found this sum to be substantial, reinforcing the reality that many patients face when dealing with unexpected hospital charges.

Malaysia's current healthcare system lacks a clear mechanism for patients to challenge such costs, unlike in countries that have implemented price transparency regulations. For instance, the United States of America has introduced the Hospital Price Transparency Rule on 1 January 2021 which makes it a requirement for hospitals to publicly disclose a list of their standard charges for various services. This rule enables patients to compare hospital prices before seeking treatment and allowing them to make informed financial decisions regarding their medical care. Similarly, Singapore is set to introduce the Health Information Bill in mid-2024, which will improve transparency in healthcare pricing and data management. The country also has a robust regulatory system where medical costs in public hospitals are monitored, and pricing is often published online, allowing patients to compare treatment costs across different hospitals.

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