its quite a headace to choose which insurances are good because there are many out there. basically all are ok. For me what important before buying any insurance you should ask ppl around you who already have insurance policies and ask them their feedback. So far, the insurance i have right now  is very good in terms of claim( but not from me). Lots of my fren having same insurances, when they making claims, was not very hard and actually quite simple as long you provide all the proper documents need to be submitted. Also i bought this insurance from my fren(agent), so if anything happen it easy for me to refer back.