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 

I know I will get shot by Insurance Agents, but still my opinion.

If your company already provide a decent Medical Card and Insurance benefits, there is not a need to purchase 1 extra using your own fundings. Is true we never know when we are struck with something, but in my personal opinion, what are the odds ? Maybe im willing to take the risk as I know I can afford my medical expenses if needed.

I however do purchase traveling insurance, they do come in handy for me to exploit