Hi experts,

I am working in Singapore and staying most of time in Singapore. If I could purchase H & S insurances in either countries, I was just thinking which country will be better.

Just to emphasize when I say staying most of time in SG, my parents are in MY and still will come back every week or so (that is why got the thoughts of buying MY or SG insurance)

I could have just settle for SG H & S but their H & S (so called medishield) will be void the moment you can stop your PR from age 55 (for the sake of taking out your full CPF). Which means I will be without H & S insurance if I do that.

Was thinking of getting of medishield first, then maybe later close to 45 start getting malaysia medical card and then hold both until 55 where I terminate the medishield. Reason of getting medishield is because the insurance can mostly be paid using the CPF (which money is stuck till you stop PR from age 55) and this will create free money in my hand to invest to get higher returns (just assume I am good investor in this case )

What do bros and sis here think of this plan? Feel free to give opinions as I am not expert and will require some correction if wrong.

Also would need some advise from agents.

a) If I were to medical from MY, can it be used if I do surgery and stay in SG hospital?
b) If I were holding both medical card from MY and medical insurance from SG, can I claim both? Will ti create any problem or even void either insurance?

Hi Gen-X,

Hmm...how is it that many people even at this forum keep saying about having 2 medical cards or more to cover coverage? Can we claim from many medical cards in Malaysia?

Ok