Advisable to buy both Msia and SG. Company medical card coverage is limited and once your employment is ended then that's it.

Get the sufficient medical plan in SG (MediShield). In Msia get the minimal plan so you are covered from the beginning, later you can upgrade it when you plan to go back Msia. If you are not covered since beginning and touch wood diagnose with any illness, then it's hard for you to buy again in Msia.

What is the cheapest standalone PA in Malaysia (without hospitalization reimbursement)?

AXA (by HSBC) offer S$15 per year for S$150k coverage in Singapore. With discount when bundle with spouse and child. I think I'm going to get it. That's equivalent to RM45 per year for RM450k coverage.

https://digital.axa.com.sg/pahsbc/#/pa-hsbc

This post has been edited by almeizer: Dec 18 2016, 08:41 PM