Lonpac are like an underdog, they are not as famous as the common ones out there. But their medical policy is by far very affordable. I did a top-up medical recently (to my existing Prudential) and I get a very high coverage for affordable premium. Well, not sure about the claiming process.. but I guess will never know until it happens. I'm sure as they grow, service will get better. Perhaps eventually when one day become Top-10, then u have no worries about it! If you on budget, can consider this company.