Hi Sifus,

First post here, would like to ask your opinions as I am currently lost in the sea of technical information.
My father bought a term life insurance for me since 12 years old which I took over. It covers RM100K with a premium of about rm1.2K yearly.

I am looking for early critical illness coverage and medical insurance so initially thought wanted to upgrade the plan. Found out I can't do that as the original insurance was by MAA which has been taken over now by Zurich. I was told that no changes can be made to the insurance except surrendering the policy for a value and signing up for a new one. I would most probably keep this insurance as it is just starting to accumulate cash value and I would definitely lose out if I surrender it now.

What kind of policy would sifus recommend me taking as my main aim now is just to get cover medically but most medical policy are riders on top of life insurance.

I am currently
30 years old
male
non smoker
Yearly income ~60K

Thanks in advance!