Thanks, both for the answers. Both insurance provide almost identical coverage, with 1 or 2 diff - like dengue, and herbal medication.

but my idea of taking two insurance from diff provider is coz i am afraid if hit with illness, cannot apply from other company - sort like stuck with 1 oni. take insurance while still healthy, they say?

second is on the interpretation of the policy. so maybe ins A say Vitamin cannot. but if got another ins, can try claim from ins B.

sensible?

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?

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.