Should I take AIA for medical insurance? I have this perception that AIA is the most expensive, but I like the Vitality program
I recently changed job, got a significant pay raise and promotion, but also I lost medical coverage.
I'm quite old, married, we have a few kids. We have always been relying on medical coverage by my employer, and never had medical insurance. Yeah, I know. Hey, better late than never.
Anyway I was hoping I don't have to deal with agents, but not many show the monthly premium. Kaotim does, so now this is my benchmark (given the same annual and lifetime limit).
I like the Vitality thing. I know AIA is not some noble altruistic company, they want to reduce risks. But I don't mind being tricked into being healthy so that my insurer's risk is lower. But is it significantly more expensive than say Kaotim? Also, their medical insurance is rather complicated, I need to pair it with other products is it?
(Added point: My kid is disabled. I heard insurance in Malaysia is allowed to discriminate, basically refuse coverage to disabled people, is this true? Should I not disclose? Or if I choose to disclose, which insurance does not discriminate?)