Company insurance is normally dependent on what the director bought for their staffs, sometimes it's just a minimal amount of insurance, other times it could be more than enough. But chances are if you're a low - mid level executive, your coverage will not be enough if you're just depending on your company insurance alone.

You may ask for your HR to reveal your grade coverage within the company.

For medical (hospitalization) you can't claim from both side unless it's been fully utilized, example would be if your company only covers 30k for insurance and you need to claim 50k, you can claim the 30k with your company's insurance and the 20k balance with your personal insurance.

However, you can make claim from both your company and personal insurance if it's a death, disability or critical illness

Really oh? I compare d.... Standalone and my ilp... Both got projected cost.... For some weird reason my ilp medical card charge is substantially lower. No didn't count the investment portion. Purely insurance charge.

Focus column F and G. Everything bao at age 60 only need  pay rm6706. 97 insurance charge. But standalone medical card Fuiyo..... 5 digit

Any insurance providers here that have international hospitalization/emergency coverage, which DO NOT need to pay-first-claim-later?