Yeap getting 6k from agent fees. now you know how much they get from our insurance and they do jack shit accept calling us to upgrade premiums.

The agent commission for life agents are very different compared to general insurance agents. So don't be deceived. I believe funds super mart takes out the agent and handles everything in an online environment.

You could give it a try.

Actually most of the insurance company engages third party administrators like Asia Assistance to handle their clients hospital admissions. As long as you are covered they can trace in through their System. Just show them your medical card, they will assist you on the process.

if you got budget problem go for this

https://www.fundsupermart.com.my/insurance/

you still purchase insurance under major insurance companies but minus the agent fees. I'm getting 30% commision from agent fees back to me in a year. I think this is the future where you can buy insurance online without the need to go through agents and best of all you go to pick what you want, what you need not what agents think you should get

Don't worry. I'm one of the LONPAC medical card buyer.
What they offer is far more worthy than other competitor.

If you need a contact, i can advise you an agent .

Please pm me

if you got budget problem go for this

https://www.fundsupermart.com.my/insurance/

you still purchase insurance under major insurance companies but minus the agent fees. I'm getting 30% commision from agent fees back to me in a year. I think this is the future where you can buy insurance online without the need to go through agents and best of all you go to pick what you want, what you need not what agents think you should get

I did not buy Lonpac Insurance but if you are talking about after sales service, i think i share my experience:-

My mum previously was admitted to the hospital. I show the medical card to the hospital then they do the claiming for my mum. During that time, no agent is involved.

Its direct between me and the hospital. So I think not so much of a concern when there is a need to claim.

before buying remember to check how vast is lonpac coverage. how many panel hospitals near you. can it cover you internationally and so on and so forth. sure you get unlimited icu but only covers Putrajaya hospital while you stay in Klang sure gg. make sure it's accepted everywhere before buying.

I got MCIS because the medical coverage is better than Prudential

When moments are critical, I just show the medical card.. That time, my mum is using Prudential by the way..

Then, full stop.. The agent only contacted us to see if we need help..

We managed to settle everything on our own..