Guys,

I am looking to buy medical insurance for my wife and young daughter, I am deciding between AIA and GE...

Both are for Room rate of either 200 or 300 and 1m yearly and no lifetime limit.

However was advised to check the details of GE as they said for GE only the initial amount is paid directly and the balance you have to pay first and claim from GE.

Another concern is that GE has payor benefit for both wife and baby plan but AIA has payor benefit only for baby and not for wife plan.

Can anyone clarify? I need some honest opinion on a good medical plan for my small family.