Dear Sifu's...

Can i know what is the advantage and disadvantge of co-insurance?

I bought an medical card from GE for my son and last week, my son has been admitted into hosp. total damaged is 4.5k

I need to fork out RM450 for the co-insurance.

After that, someone told me that AIA do not have co-insurance unless the hosp fee is exceeding the limit.

Right now, i'm abit confused with this co-insurance thing...