I'm looking for one travel insurance, as I will be going to Seoul around 3 months for studying Korean, and one of the document required by the university is "a insurance certificate that is valid in Korea when you visit hospitals".

I checked online - there are Tune Protect, Etiqa, AIG, etc. All of them are around RM 200++
Price are almost the same, so just want to ask if anyone know which is more reliable (as in fast in response if I really get into trouble oversea/claim)?