Not TOP 3 insurance company, maybe. 
AIA Pru GE

i was looking for to medical in term of hospital , some say choose great eastern some say maa insurance , i just comparing and see which is good

The payout is on 1 lump sum.

If you didn't purchase Multi CI rider, you can only claim once.

Normal 36CI is accelerated on the Death/TPD sum assured.

You can also opt for Early CI rider for early Critical Illness not amounting to last stage CI.

What about MC and CI? Shall I buy the standalone plan or should I go for a plan with MC + CI ? (Assuming the agent propose me another plan without savings?).
And yea, I was thinking to go for standalone endowment plan - which an alternative way for me to save money.

Btw, I always have this thinking, where, the policy from all insurance company are similar. The only difference is the service from the agent. -- Pls correct me if Im wrong ><

I am a registered member with FPAM (Financial Planning Association of Malaysia).

The insurance industry has come a long way, and it has matured from bashing and killing others just to solicit business. For example, I have 5 agency assistants to service my clients and my agents' clients.

How about you prove yourself right? I'm calling your bluff, show me your survey data!
You are the one who made the claim that 99% of insurance agents in the market are basically hiding projected returns, facts and figures from the clients.

And since 99% of agents are crooks, why should anyone buy anything from you? Why should anyone trust you?
You are the one that joined a band of crooks (you claimed it yourself).

Is that allowed? If I understand correctly, if an agent self you a policy and rebates back the commissions, it's illegal.

read on news today saying that bank negara is encouraging insurance companies to sell insurance over the internet next year, saving us consumers from agent commission.

Well, it's in the news, of course true. It's part of bank negara initiative. It's abit like overseas. Right now, there are few companies offering it, but no one really promoting it strongly.

Hong leong assuranace, etiqa etc.

Right now, what they are offering doesn't include medical. Medical is the one with most claims. Pure life protection is only will claims once (death), so no issue for no agent to follow up on claim. Unless fraud case, death claim is straightforward.

yup, for general insurance, they have online, cause again it's relatively straightforward especially things like travel pa, normal pa, car, etc. And they do discount for you ie, discount the commission amount.

for medical, it's also part of bank negara initiative for the insurance companies in malaysia. BNM's intention is for term insurance first year 2017, followed by Critical Illness & Medical and Health Insurance/Takaful in 2018. This is based on the timeline planning of a document by BNM in Nov 2015. don't know final or not la.

It's wrong that no one is promoting it strongly, just that maybe you aren't aware of (okay that might means that it needs more publicity, but it's just vry near to u now ) Well, the traditional insurance companies dont want to wipe out all their own agents, is like if going online, the agents might lost jobs, that's why insurance companies u stated do have their online platform, but they dont really advertise on it. And yes there is no such service for medical cards, only pure life covers usually

Company insurance