Medical insurance recommendation

Member since 13 September 2020

johndbourqueNew member13 September 2020 00:35:39

I have been living in Malaysia for many years and am now on a Resident visa. I need to get medical insurance for myself. Does anyone have recommendations for a company/agent to use (or avoid)?

Cobolin Serial expat

Member since 07 January 2019

CobolinSerial expat13 September 2020 03:06:05

212

AIA is said by a doctor to be very good when it comes to actually paying out.
Tokio Marine has some cheap policies.
Just shop around, look out for the maximum age of entry limits (60 in some cases) and bear in mind that there are usually fairly low limits on yearly and lifetime payouts, compared with international policies (which are much more expensive).

ladivo779 Guest

ladivo779Guest13 September 2020 03:38:48

I used an agent for many years in KL, for both medical insurance as well as with my car insurance. I've used Tokio Marine ages ago but my agent would offer alternatives as each year she'd find the best. The last insurance company I used was Pacific Insurance. I had a slipped disc operation that cost Rm20,000 at Pantai Hospital and Pacific paid the total bill as I was checking out so I didn't need to pay anything.

My recommendation is to find a good honest agent. Mine used to come to my place to show me what was on offer and give her recommendation. I also found that her prices were not different to what I would get when I made direct enquiries with the insurance companies.