Personally being a lonpac agent, lonpac's medisecure is actually sufficient is you are low on budget as the premium is much lower than other competitors. If you need any questions do PM me.

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.

Lonpac is a general insurance company, we deal with all types of general insurance. their Medisecure Centurial and Plus is under hospitalization and surgical insurance . I have to say if you are comparing the annual limits of each insurance company, Lonpac has one of the lowest because they have not updated their plan since 2015. If you are referring to Unlimited ICU room days, it is depended on the annual limit you have so lets just say you have a RM 500,000 Annual Limit, once all your medical expenses have used up this limit then the policy is no longer in forced.

Other plans seperate the medical cost and room and board, so do take note on that.

The only thing that Lonpac is good for is their increasing annual limit every 5 years, if you plan to stick with a plan for a long time.