Hi fellas, first time insurance buyer here. could I have your recommendations on which medical insurance the most hassle free (as in, just need to show insurance card to panel hospital and get admission relatively easily) but yet affordable?

been reading on ringgitplus as well and seem a standalone medical card is better suited for me I think, since I just want a simple medical insurance.. but not exactly certain which one would be best and most convenient. Looking from Ringgitplus site, AIA A-Life Med Regular medical card seem to be suitable but would love to hear your opinions as well.

some personal details and my criteria:
- Age 28
- no illnesses
- non-smoker
- working in IT sector
- covers room at least RM250 per day
- preferably monthly premium less than RM300 I guess?

This post has been edited by kerolzarmyfanboy: May 21 2022, 10:07 PM

will copayment plans also will have somewhat frequent repricing over the coming years?
still inquiring my AIA agent on what are my available alternatives for cheaper premiums than my current non-deductible plan. open to switch to co-payment if can save a lot.
next year will be paying RM2522 annual if staying with current plan. this year was RM1750

been chatting with my AIA agent. agent proposed switching to AIA copayment option called SMART:- AIA Smart. says no cooling period or anything if want to switch to this, will enforce straightaway on next year renewal.

from what I understood of this AIA SMART option, it will be RM500 deductible if following it (using their 'SMART' panels, etc). If not following it, will have to pay myself 20% of the total med cost (capped at rm20k per disability).

annual premium if I switch to this SMART plan: RM2159 per year (~RM180 per month)

if I stay with my current AIA Plan 200 non-deductible plan next year: RM2522 (~RM210 per month)

mine just standalone medcard btw, no ILP

yea I still have the usual company group insurance from my job.
seems like I'll just go with this RM2159 copayment option... still gonna be a bit of increase from this year's premium (mine was RM1750 previously) but welp, better than a crazy jump to RM2522 to stay in current non-deductibles plan.

I asked my agent if there are any with RM1k or RM5k deductibles, he says AIA don't have such products

current annual limit, with rider is RM1.375mil. if changed to the new 'SMART journey', still the same, no changes in limit or benefit coverage.
passed 2 years now.

finally got the premium revision letter for my zero deductible plan, now will be RM2132 instead of RM2.5k pre-revision, a little better. AIA pretty crappy for giving this letter just a month before renewal tho.
I'm still asking my agent for higher deductible plans that I could switch to.