Company medical card are group insurance. You will lose the insurance once you left or retire from the company. No one can guarantee we still eligible to get medical insurance when we left the company.

Better get a medical card while we still strong and healthy. It can be as low as RM5-10 per day with saving.

Regards

No one can 100% confirm we are free from sickness, disease or accident till the day we left the world.

Company buy employee insurance as benefit & expect contribution from employee. But when he/she fall sick and unable to work for a year, do you think company will continue to pay his/her salary and the insurance benefit after 6 months or 1 year? (If yes, let me know I will like to work for them also)

By the time we expecting to get hit by illness, we should also expect insurance may reject our policy application. (Unless a person can foresee and tell what happen tomorrow)

Insurance company very bad, always reject people who had pre-existing sickness or illness.

Life is full of unpredictable, risk or tomorrow which come first?

Tell me if I'm wrong

Yes, that is just a basic life/TPD insurance without any illness and disease protection. Only claimable upon death/TPD.

As part of the precaution and the high commitment, probably you should consider more what if accident/illness and worst if unable to work for few months. Certainly we wouldn't want our family to be burden or in debt due to the high medical cost.

Anyway is a good start to have own life/TPD insurance, but it is more important to have a medical card.

Regards