Hi sifu, really new to this so sorry if I sound very stupid (because I am lol)

I'm 24 and wish to buy a medical insurance very soon. I have a few concerns that I would like to be cleared:

1. Which company in the big three (Great Eastern, AIA, Prudential) or any other companies has the easiest claim policy and no drama and no fuss on unable to claim stuff like that. Plus which has also the most hospitals that accept their medical card. Assuming all the other confounding variables that may affect this are standardised/ignored. (example of confounding variables: type of plan i might get, cheap or expensive plan)

2. Do you think if it is worth it to include "critical illness" and "waiver of premium" in the plan? And if I already have the "critical illness" plan should I still get a life insurance?

3. Should I do a full body checkup before I sign up for a medical insurance plan? Or should I not leave any record in any hospitals so that the company won't be able to dig them up

Thank you sifus. I'll appreciate any help

2. Thanks. Really helpful advice

3. Haha who knows later suddenly kena accidental findings. Nowadays so many opportunities to make young people get diabetes and hypertension lmao.
Yeap. Plan to tell the truth. Cuz I still young, no point doing health checkups so I am healthy


What's your thoughts between AIA, GE and Prudential? Or any other companies you would recommend?

hi sifu can I ask a question?

Let's say if someone has done a genetic testing more than 10 years ago and was found to have a genetic mutation in BRCA (the one that increases risk of getting breast cancer in the future).

This said person had bought a medical insurance but did not declare about the BRCA gene.

If at all this person ever gets a breast cancer diagnosis in the future, will this person ever get to claim medical insurance?

Because from what I understand, having a BRCA mutation does not mean it is a 100% thing that the person will get breast cancer, just higher chance than normal people. Also, at the point of buying said medical insurance that person has not ever been diagnosed with breast cancer.

By this logic, it shouldn't be considered as a "pre-existing condition" related to breast matters and should not affect any claims related to breast matters, right?

Thanks for the insight haha, appreciate your kay poh here.

If declare, 100% they will add into exclusion list even though it is not a "pre-existing condition" but just a RISK FACTOR.

During underwriting they did only tell us to declare all pre-existing conditions, right? Well BRCA doesn't count as one ahahaha.

It's sad that even in the US there are laws specifying that insurance cannot deny claims based on genetic predispositions. It's sad that Malaysia does not implement such things

govt hospital...