http://financialindependent.blogspot.com/2...al-illness.html

useful info

Yow Chuan said...
For most whole-life critical illness policy, you are only entitled up to 60% of the total premium for medical claim, while the remaining 40% is to be relieved from the Whole-life+EPF section.

For example, if the total premium you're paying for your whole-life critical illness policy is RM4,000, you can only claim up to RM2,400 for the Medical+Education Section (max is RM3,000).

The remaining RM1,600 is to be relieved under Whole-life+EPF section, if still available. (Maximum is RM6,000).