I think you need to do some homework before reply this thread. As per my experience ING does. I admitted to Sunway Medical Centre last year due to Dangue fever. I did not aware that I was Dangue suspected until my panel doctor told me about it. Immediate action was required as what the doctor told, and I admitted to the hospital. I do not have any extra cash in hand, but a ING medical card my dad gave me 8 years ago and I never used it before.

I discharged from the hospital 5 days later without a single cent paid. On top of that, I received a RM 200 cheque from ING Insurance Berhad as an "Ang Pao".

The medical fees cost me about RM 4,000. The claim approved 3 weeks later.
P/S: I am not sure how AIA does.

This post has been edited by Liew2020: Apr 2 2009, 11:53 AM