I went and did a google search, and found more info at mxm.com.my.

1. MXM is not the registered agent of Pasific Insurance or MCIS Zurich. PATHLAB Healthcare management is. According to the About Us Section, its an associate company of PATHLAB (Even then, no clarification on what associate means, other than its part of Kam Holdings conglomerate).
MXM is a MLM company ... not insurance agent. so MXM use Pathlab (brother/sister company .. maybe) as their agent.


2. So, does that mean you sign up with MXM, who then signs you up with PATHLAB, who then signs you up with Pasific and MCIS Zurich? Double the agent wor..
when u sign up .. there are few form/document  related to each other, which are ....
..... for Pacific Ins (medic-card), Mcis (term life ins), MXM membership ...


3. Who is your servicing agent then? MXM? PATHLAB? Who do you call to confirm your claim? One thing I noticed on the medical card conditions is that your claim is subject to reasonable and customary charge. Does that mean that if the insurance, or MXM or pathlab decides thats its not reasonable, you have to pay? 
not sure


4. Introduce people get RM30? Since when insurance operates as an MLM?
this bcoz, u buy insurance thru MXM (the MLM co.) .. not directly from insurance company. that makes the different


5. There is a picture of a membership card prominently displayed on the first page of the membership details which shows that the emergency contact is a person with a handphone number somemore. If whoever is helping me can't contact this person, is there another person they can call. Why doesn't the medical card come from Pasific insurance then?
In the form, there is another relative no. to call.
Yes, medical card is from pasific Ins ..... not from MXM.
MXM use insurance products as their selling product for MLM license

5. Coveted Agency award is for PATHLAB, not MXM.
bcoz pathlab is the agent

6. Not even a member of PIAM? LIAM? Which law do you follow then? Akta Jualan Langsung (AJL) or Akta Insurans?
MXM is under AJL ....their product is insurance.
but Pasific Ins should be under LIAM, right


7. So you get benefit of term (CI, Death, PA) + medical card. Why don't you buy directly then. Many insurance company that do Life will sell you all those.
true ... but combination with MLM, so each introducer will get rm30.
so, people can save their cost especially on medical card. Bcoz, if there is no claim, the monthly premium that u pay will be burnt.
so, in order to get win-win situation, people tend to choose medical card from MXM rather than directly go to insurance co.

i believe this is a new scam of MLM.

i met my fren who just being a member of MXM..i read his policy yearly premium is only RM417..but his has to maintain RM128 per month to get the coverage

Y is tat a big gap??