there is always KKM seringgit, which insurance agent like to demonize

They good ler.
Last month got chance try their services,  ok ler
Less than 2 hours visit from just drop in no appointment to get the medicines.

Go sunway almost need same amount of time tim or longer but pay more than 20x

maybe you too young for now.
you need to understand, previously there is not so much condition in the insurance plan to be able to take it up and approved
even the insurance claim is much straight forward. The clause term in newer insurance plan is getting longer and complex.

Now, if your immediate family members got any case of cancer, heart disease or even history of hypertension/high cholesterol, most properly will not accept yours to buy their insurance.

If you over 40, they might need you to do medical test and check your background b4 they even want your money 

buying when young is a way of securing insurance protection earlier before your parents start showing symptom of long term medical complication.
In my case, as parent, buying when my kid is young, they have some form of protection if something happens to me.
Me got buy a rider during that time, me no need pay anything until my son reach 25 years old since I got diagnosed with cancer during in my 30-ish.
Yes, I agreed, the protection is lesser comparing with current policy but that doesn't mean they won't be able to claim.

Beside there are many types of medical insurance out there.
I have an auntie buying a policy with medical protection of RM100k per year. the condition is premium won't increase. Just need to continue pay in order to be inforce. She have a lot complication now due to kena Covid severely. Last year already claim the max 100k. During Covid era, also got 
Imaging without this amount insured, how difficult her kids need to fork out this figure.

the key words is "future planning" and "spread the risk"

Remember, insurance company only insured healthy people. They are after all business entity, not charity biz

I don't have any issue with getting insurance even when my father have diabetes and mother passed away 15 years ago from cancer. I just bought a new medical card like 2 years ago because my 2018 insurance covered way too little at same pricing. It's like 100k vs 1m for RM350!

may I know your age group and which provider?

usually i heard providers don't like those with family history...

I don't have any issue with getting insurance even when my father have diabetes and mother passed away 15 years ago from cancer. I just bought a new medical card like 2 years ago because my 2018 insurance covered way too little at same pricing. It's like 100k vs 1m for RM350!

I don't have any issue with getting insurance even when my father have diabetes and mother passed away 15 years ago from cancer. I just bought a new medical card like 2 years ago because my 2018 insurance covered way too little at same pricing. It's like 100k vs 1m for RM350!