for me i go for a more reputable and international company like AIA.........so far my medical claims was easy with their card and no fuss during claism.....really as per the agent says naything wrong, money come within 4 days

erm for my card at AIA is like this, i need to call the AIA helpline (at the hospital, admited for operation) so they fax a leter to hospital to allow me to check in (jsut show card) and then after end of operation, jsut check out and sign the form paper, not even a single dollar.......

well about hospital, i only trust pantai or sunway hospital only, so lucky me its in the panel