All in all i would like to express my hard-felt feeling to you as i have a medical card provided by my company and it is capped and 40 ringgit and the rest i have to pay upfront. I would strongly recommend prudential as i am saying this not because i am an agent as my mum bought a prudential premium policy as the medical bill is reimbursed amounting up to 40,000 is reimbursed fully after the operation due to breast cancer.