Hi all sifu, I want to buy PA, my budget is less 900 per annum, I thinking to get either

AIA Flex-PA - Plan FCPA-500 (RM875.56 per annum)
https://www.aia.com.my/content/dam/my/en/do...Brochure_FA.pdf

AXA SmartPA Enhanced - Plan 5 (Rm708 per annum)
https://axa-com-my.cdn.axa-contento-118412....ed+Brochure.pdf


I have a cousin who is AIA agent so it will be convenient to help me submit the claim and she has handled my case before.

But comparing with AXA PA package, it seems AXA offers better coverage than AIA.

If I buy AXA, touch wood if sth happens to me, will it be a hassle for me to claim since no contact to reach out?

Any other PA better than AXA and AIA?