im abit blur with travel insurance... what does it cover actually? like if i had an accident in foreign country and need to be admitted that one my medical insurance with AIA will cover right? then the point of travel insurance is for?

hi all, will be working overseas on a long term assignment soon. just wondering is it ok to just rely on the travel insurance purchased in Malaysia instead of getting in locally in the overseas country? i've tried comparing and their rates there are much expensive than the travel insurance we can get here...  anyone mind to share any experience? tq

I bought tune insurance for my aa flight to japan last year. Flight was cancelled due to covid and as expected tune insurance replied nothing can be done from their end.

Just curious, anyone claimed successfully from Tune before?