Correct me if i am wrong.

what you truly need is a medical card to cover for your future hospitalizaion bills. if you buy it when you are older...it is going to be very expensive...and make sure you get it while you are still heathy and young.....

I give you a hint on what i bought

death and Critical Ilness =>100K
medical card=>225k until 60 or 70 (Max one year can use only 75k)
plus a bit of investment.

total i pay is rm220 per year.


I think you need to topup for your critical ilness and death to at least 100k. less if you are already working and your compnay is covering you.

a freiend of mine..already 30. and he have some back problem, so its very difficult for him to get a medical card or at least it would cost him an arm and a leg to get it covered...so get it while you are still young and heathy..

Mistake mistake.....peryear...
i wish it was permonth...
hahaa