i goggled and found this...hope it is the one you seek....

"If you enjoy sports in the fast lane, if you take your favourite pastime to the extreme, if living life to the max is your priority, you may find it difficult to purchase insurance protection for your active lifestyle. The MSIG Sports Personal Accident Insurance is different from other Personal Accident Insurance. It gives you free rein to enjoy the adrenalin rush while providing you with the protection you need."

https://www.msig.com.my/personal-insurance/...sonal-accident/

more on goggle...
https://www.google.com.my/search?rls=com.mi...1.0.MhX_iIvpnzA

This post has been edited by MUM: Nov 17 2017, 10:52 AM

are you seeking to have those activities covered as per below exclusion?

extreme sport will need personal accident insurance more than anything else...i think..
Well hope you can manage to seek one.....
Keep us posted if you do..
Tks

while waiting for qualified responses,
I goggled and found this....
hope it is useful for you to "play" about to have some rough idea
https://www.imoney.my/medical-insurance

click 'tell me more +", then "more details", then play with the parameters

https://ringgitplus.com/en/health-insurance/medical-card/


This post has been edited by MUM: Nov 18 2017, 08:57 AM

interesting ....
for an approximates similar coverage.....what is the yearly premium differential between the standalone and the 'new ILP medical card"?

how many % of your income are being used to pay this premium?
does the agent know your income when you signed that policy?
what is his/her comment at that time?

when one is younger and healthier,...the income is lesser, thus the premium paid for the coverage may not be sufficient later
when one is younger and healthier,....the dependents may not be available thus the coverage paid may not be sufficient when later
when one is younger and healthier,..the chances of needing the coverage claims may be lesser
when one is younger and healthier,...the real needs at later stages of life may not be actually visualized
when one is younger and healthier,....the chances of over paying for the coverage maybe higher,...thus may neglect the other life needs as time goes by....

yes, this is true...As we all know price increases as age increases at the same time benefits decreases....for there is a much higher chances of one needing it..

This post has been edited by MUM: Feb 13 2018, 11:35 AM

Tis rm550 per month is equivalebt to how many % of your nett pay?

yes, I too thinks that it is abit much...
i presume, your company do have some insurance coverage, later in the life stages,...housing loan, family life and necessity would make one think that this 12% will be a bit high too....

hope you can get better responses....

while waiting for value added response...
i googled and found this...
hope it can helps to provide some added info while you wait....
https://ringgitplus.com/en/health-insurance...oster-Care.html

more in google...
https://www.google.com.my/search?rls=com.mi...nt+in+singapore

googled found this.....hope it helps...

https://www.google.com/search?source=hp&ei=...1.0.mN3Yjpb1emE

while waiting for responses, I googled and found this.....
hope it can provides some added info while you wait.

https://www.google.com/search?source=hp&ei=...1.0.gWceG9LD4xg

while waiting for responses,
I googled and found this...
hope it can provide some info while you wait...

What Types Of Insurances Should Fresh Graduates In Malaysia Buy?
https://malaysiatradersclub.com/2017/03/19/...n-malaysia-buy/

why you ONLY want to cover these ONLY?

whle waiting for responses from value added respondents...

some insurance plan & coverage does not need medical check ups
and
I googled and found this....

".....The insured is not allowed to conceal or hide any information from the insurer - concealment can also lead to cancellation of the contract.

For example, perhaps you didn't want to tell anyone, including your insurance company that you have contracted cancer. A few months down the road, your condition worsens, you're diagnosed with stage 4 thyroid cancer and in need of chemotherapy. Is your insurance company going to foot the bill? Forget about it!"
https://ringgitplus.com/en/blog/Insurance/3...nce-Policy.html

Parents needs 36 illness more than kids.... Should one of the critical illnesses befall on any one of the parent, one of the parents need to leave their position to take care of the spouse full time, house and kids daily routines. Hence, it is important to buy this after medical insurance.....

which one of the age group got more chances of having one of the 36 illness?

while waiting for responses...I hope you can provide more info, so that others can try to figure out suitable responses...
like, age, coverage amount needed, till when do you want it covered, any riders required, etc, etc....

or you can google for some online life insurance for quotation calculation

do note.....it is for BEFORE....



Attached thumbnail(s)

while waiting for responses, you may want to try read this post by weisspc in post#5

Determining Right Amount of Insurance
https://forum.lowyat.net/topic/4677309/+0#entry90655727