Plenty of selection to choose from.
AIA
GE
HLA
etc etc.

Premium shouldn't be much ranging 1k to 3k depending on your age and benefit assuming since you said you are young adult. 👍

AIA for me since their service is not bad and customer support is good.

Their online app is also very useful and you can easily file claims through the app.

If you want even more benefit. Can try their AIA vitality for more add on benefit. Too much thing to list about it here but you can read it on their website 😂.

But otherwise, if you don't like AIA for any particular reason, you can go with other insurers which you feel more comfortable with 💪

Yes.
https://www.aia.com.my/en/our-products/heal...e-mediflex.html
https://www.greateasternlife.com/my/en/pers...-extender2.html
https://fiselect.my/medical/ (fully online, no agent)
https://www.medisavers.my/ (cheapest among all but hard to get their agent)

Crowd funded medical care
https://gathercare.com/en/

See the premium and see benefits. Also see reputation. Does company have reputation of not paying when you need it.

Also keep in mind all insurance got 2y of contestability period. Accident, dengue, food poisoning will be covered. Stuff like high blood pressure, diabetes, cancer, heart attack, all stones, back problrm won't be cover until after 2years old. Usually need to pay and claim first. Keep in mind on these.

For me AIA. But remember to not give them any chance to reject your GL. How be totally honest with them.

Just search news or search lowyat or Reddit. I have shared some stories before especially with Great Eastern. It's in the news and based off my friends working in the hospital, they are among the "problematic insurance". They ask lots of questions for every small stuff. Don't get me wrong. They do give you GL but from the way they work it looks like they are trying their level best to delay your GL.

And this is not from one friend. Few friends all said the same thing. That's the reason why I bought GE, straight cancel by exercising the cooling period within 14 days of purchase to get full refund and switch to AIA.

How to avoid your insurance from declining you
1. Pay on time and in full. Don't let it lapse.
2. Be honest upon buying and declaring your illness.
3. Wait 2y from date of purchase to use insurance if you really want to be safe. If you want to find out the hard way, by all means go ahead.

Gathercare publish their claims online on their website.

I am also looking at buying from AIA ILP medical for my children which are still young, it looks like yours is much more cheaper

here

Download the brochure. Scroll to the end of the brochure, click their faq. Inside the faq got premium rates. You can cross verify with the number from your agent.

So that means I should have sign up insurance first then only went for eye check up? walao eh.

Because the ophthalmologist say my cataract very minor. can ignore for now no need remove yet since I still very young. So even if I wait until like  40-50 years baru do cataract surgery also cannot claim ah?