We signed up for the very best policies you could buy in Malaysia. We paid 14,000 USD. Alot for Malaysia. My partner started having symptoms and pain from hernia 3 months later. His Dr recommends surgery. They denied the surgery and told him To wait until its an emergency. He asked if he had a heart attack would that so be considered pre-existing as heart issues dont just happen. They only want the money an expat can pay and care nothing about a minor surgery which our premiums more than covered by 3 times. The suffering they are inflicting on him is unacceptable. Be ware they dont even work with local hospitals as they state. Total scam. Especially for expats. WE WILL NOT BUY AGAIN AND DO NOT SUGGEST ANY EXPATS DO. NOT A GOOD COMPANY.