I need to know what's the best insurance all the time? Im planning to get ones.

Before i got great Eastern 2 years but the agent went nowhere. I asked the hq, they said even i pick any agent, my missing agent can still get the commission. I asked to decline my account, and refund but the money they said already paid my penalty for missed pay for a week even tho i paid it double so i dont miss pay.

Hi can anyone enlighten me on the concept of deductible?

For example number 1:

Med Card A : annual limit 50K
Med Card B: annual limit 1.2M with 20k deductible

Mr A hospitalized and the total bills comes RM 150k. If Mr A use Med Card A first, the first 50k bills will be paid by Med Card A and the remaining RM100k balance will be covered by Med Card B but Med Card B will only approved for RM80k only and RM20k Mr A must pay in cash. Is my understanding right?
If Mr A use Med Card B first can he claim the 20k deductible from Med Card A since the limit not burst yet?
For second example, let say:

Med Card C: annual limit 20k
Med Card D: annual limit 100k with 5k deductible.

Mr B hospitalized and total bills comes RM 7k. No problem for using Med Card C since it will fully covered.
But can he use Med Card D and claim the first 5k from Med Card C?

Why want to buy so many medical insurances.

In theory, yes, claim A, then rest claim B, and another rest claim C.

In reality, you may have lot of troublesome to claim them due to paperwork and procedures in the process of claiming.

Hi, hope can get some advice. I'm 45. Already have a investment linked medical card (manulife) AL 320k, no lifetime limit till 100yo. Paying $410/mth. Would like to get medical insurance for wife (37yo) and daughter (2.5yo).
1. Should I get a family plan (ie on top of my current plan)? Or individual insurance for wife & daughter? Or one of those mother+child policy?
2. If I get a family plan, should I cancel my current one?
3. Is it better to get from same company, or different company? (Been hearing AIA, prudential and allianz better?)
4. Getting irritated every 6 months or so I get a letter from manulife asking to top up quite significant sum saying my investment plan may not cover future premium. Shouldn't it be investment market goes up and down, and the amount in investment would have been calculated to be enough when I bought, which is only 4 years ago?

Thanks in advance for any info, advice and insights.