Their salesman also lead unhealthy lifestyle by picking girls in disco, smoking excessively, drinking beer in office.

Please do some homework before you say any misleading facts for the consumer here. Me, myself an agent for MXM (formally known as MGM) and my mother-in-law is a member of MXM since 3 years ago. I bought her this medical card when she was 59 years old.

As you all know, it is hard to get a good medical protection at such age but luckily MXM accepted my mother-in-law application. No doubt the fees is high about RM 2500.00++ for a yearly premium but HEY, the charges is all the same or higher with others insurance company such as ING, Great Eastern, Prudential and to name a few. Bear in mind, these company will reject your application if they find out your problems and it won't cover any illness if it's does happened after you want to re-new your policy.

My mother-in-law was admitted to hospital on 2nd years later and was diagnosed with diabetes and blood clot in her lower abdomen. She needs operation and was staying in Glenmarie Hospital for a week. You can imagined the charges is RM 23,000++ all paid up by MXM medical card. After discharge, the following medical charges is borned by MXM within a month of any claims occurred. So, you see is there any scam here? In fact, I did not comes out any single cents during these period which my mother-in-law in hospital. And the good news is, my mother-in-law can re-new her medical card until 70years old without any problems or any protection is excluded from her policy which others company can't do. What I am trying to say is, it is worth the money for paying such a expensive medical card.

Do not judge the person by it's cover, sometimes what you hear could be wrong but seeing is believing!