Hye, since now my current company cover unlimited medical coverage for me, wife and up to 5 children..

Do u think medical card is good to have?

Please advice. Im noob at this.

good to have, yes

but you really need to read and study the policy and fine prints. that is all

Good to have it
read the policy to knw what right do u have

don't rely on company'one too much... if you are healthy now, buy for yourself and family if you can afford it.

if you change company in the future, the new company might not have insurance for you. and if you have pre-existing condition in the future, then it's going to be hard to buy insurance at that time.

unlimited medical coverage?


no such thing.

yes. as a backup. u need to think ahead if u change other company. also if u die early, ur wife & kids might be left with no medical coverage at all

Nope you don't need, but if you have extra money monthly just take a standalone medical card it's cheaper to cover the risk of your losing your job. And also took life insurance for urself if you the only source of income for your family in case of death or permenant disability.

Keyword here is if you have extra money

Yes confirm.. unlimited..

Outpatient and inpatient..

GLC company

Your life depend on medical ?

Everyday in/out hospital ?

Medical card rm68.90 only monthly.. based on i ask aIA card..

Not including saving..

First thing to ask urself.

1. Does ur company GUARANTEE your employment and grant your family free insurance even if you are retired / sick with Critical Illness / unable to work / permanently disabled / unemployed / retrenched ?

2. If the answer above is No for any 1 of the item, then yes, you should get urself a personal medical card insurance.

AIA has family plan for medical card @ affordable premium.

See your company trend whether they will expel a person if they have medical issue or will help to retain the employee for a period of 6-12months.

My friend got expelled from my ex company due to diabetes under the reason of "unfit to work", he can't control his diabetes very well and it makes him to take MC very frequent.

I dunno which one to choose..

Medical itself or include saving after retired..

i would advise get a cheap one if possible..

GLC ya.. thy cover for you... what if one day kena goreng? or when you sick.. u need to leave the company.. so ur medical how?

the nex year how? so

Go to government hospital

Depends on your current budget, good to sit down and start calculating all your current income and expenses and how much you're willing to allocated for your insurance then you'll know whether with savings or without savings is more suitable for you.

Someone from AIA offer me RM68.90 package.. the price looks ok.. but i dunno how good the coverage..

And then he say if pay monthly rm150, include saving rm30k after retired..

The saving amount is quite low right?

Not sure about your age so can't comment on the premium for you. As for the coverage, starts from 100k yearly with no lifetime limit. Which is good for a basic coverage but if you want to enhance it further, can add on another 1 mil on top of the 100k to make it 1.1 mil. Premium difference won't be alot, probably 90 - 100/mth (assuming based on the figure you gave)