after doing alot of reading here, i still am not sure about what insurance is best for me and my family.

am hoping some of the sifu's here can please help me. I am looking for:
1. Medical insurance for husband and wife
2. Additional medical coverage for wife (something like PRUlady)

am hoping to keep the budget perhaps between RM200 to RM300 per month if possible.

at the moment, i just don't know what kind of insurance coverage i wanna have because i have NO idea how much an operation would cost.

also, my whole family travels often, so should i get an international coverage for all of us as well?

need some kind advice, thank you!