I'm personally is an insurance agent. When come to claim, i would say quite complicated. Agent has said complicated how about customer? I been dealing a claim and i run to hospital few times and make sure all the receipts and forms and lab report are completed. If buying directly from insurance company then just prepared to do the claim by ur own and run up & down when still sick.

In the situation of follow up on physiotherapy or GL declined. If you know the process and experience in doing claiming then should be no problem. How about those who are not an agent?. Question to ponder. You may have some up lots of commission tat earned by agent but the process of claiming need to be self service later.

After I have key in the details and a few companies quote have been given. I'm sure the showed premium is after discounted premium. Then I checked on my own product, eventually is cheaper than what's offer in this fundsuper mart.

Maybe cheap for younger age but not older age. Also to take note, their limit max at RM250K annually.