AIA and GE medical policies now are very very similar.
Except
1. GE's base plan has a lifetime limit, which is 10 times the base plan's annual limit.
2. AIA's Outpatient Cancer Treatment & Kidney Dialysis (OCTKD) is on top of the annual limit; while GE's OCTKD is included in the annual limit.

Either one you choose also pay in ringgit. The same limitations set by BNM applies.
A good product is a good product, anyone will tell you they are good products.
The only difference is really the agents making the difference on how much to buy, how you buy it. Because ultimately insurance company only pay. And they pay the same doctors in the same hospitals, giving you the same procedures with the same equipment.
The healthcare providers are the hospitals, at when things get complicated, the servicing agents that make the difference in the whole experience.

So as long as you have a medical/hospital insurance coverage that is relevant to the costs today and from here moving forward, coming from whichever company it really doesn't matter.
What matters is the agent.

There are fee-based financial planners.
There are commission agents like me.
There are new agents join to test water wan.
There are agents who will tell you "Mr. So&so, we can sign on the bed also" <--- this kind also have
There are also agents who doesn't really know what they are selling wan.

Like the society - macam-macam ada.

Certainly, everything come with a cost.
Most importantly, get the best plan while we still healthy and strong, not regret when during claim and not enough Medical claim limit.

Allianz now with No Overall Lifetime limit and over RM1mil of annual limit plus cover for second medical opinion.
Most Importantly the Outpatient Cancer Treatment & Kidney Dialysis (OCTKD) are together with the annual limit not separated as AIA.

If OCTKD are separate with no lifetime limit, then will be great.

But sorry to tell, AIA OCTKD will have lifetime limit. Mean if a person have finish the OCTKD lifetime limit, he have to bear all the remaining cost related to OCTKD.

With current Malaysia inflation rate, who know RM100k medical cost may become RM1mil after 20-30 years (I hope it never happen as well). And that time when we need them most and not enough. Worst if the medical plan are not guaranteed renewal, then he/she will really in deep trouble when company decide to terminate/revised them.

Actually GE now has the no lifetime limit, which mean is unlimited. Every year will renew your limit. That's so far I know about it.

I'm not sure with AIA, but with the background of GE, I think I trusted GE more since its part of OCBC. I'm a GE Agent btw.
Gentle reminder, do ask for the proper quotation from the agent and study it. Don't believe what they show you as they only show you what they want you to know.

Sorry if any GE out there but always remember customer is our top priority 

Yes, you can refer to the brochure as attached for more detail.

In fact, GE is the first company launched high annual limit extender with unlimited lifetime limit

GE OCTKD is within the annual limit. When ones medical card OCTKD is separated from annual limit, it's actually called inner limit, inner limit is actually a limit within a limit. Not many company are having inner limit in their medical card, you may refer to the below definition or you google up inner limit.
http://www.answers.com/Q/What_does_inner_l...insurance_means

What sort of answer you want on this question?
You want them to tell you that if offer you stand alone policy only, they will not make money

No co-insure,
high annual limit and unlimited lifetime?

Insurance company exist is not for charity... 

Ooops  . . Guess u left the market long time . .
Basically all well known insurance companies has it ady . .
Its only a matter of how much it costs . . 

Please try Allianz , Great Eastern , Prudential , Gilbratar BSN ( Former Uni.Asia Life ) . .

All can be seen at their co website . .

If not , u can get the brochures with details from their customer service

Investment linked products will produce higher IRR for the insurance companies due to lower required capital (consumers bear investment risk and lower risk to insurers).

Besides, one will need a basic life plan in order to have a medical card rider. The insurers can then cross selling additional riders such as PA, CI, payor, waiver, saving plan etc.

my GE Smart Medic Xtra + Smart Extender do not have lifetime limit.
Life insurance and TPD basic sum assured increase 1% every year.
So do the annual limit for medical card also increase 10% every three years
I choose GE mainly because of the outpatient kidney dialysis and outpatient cancer treatment is "as charged", follow the annual limit of RM1,320,000 of the medical card while other company has lifetime limit on these two treatment.