the medical plan with investment is not supposed to be treated like an investment / savings because the future cost of insurance is calculated into the policy already. Taking out this 30k will mean that you would terminate your medical insurance in the future.

Im 29 this year..

Marries.. 1 daughter 2 yo.

should be around that figure since your age is still young.

no need government hospital got.

Yeah just shop around , no need saving I see a lot of people paying so much for insurance at last they defaulted cannot pay monthly and the insurance lapse.

I'm planning the same, my current insurance only cover after myr 10k so I pay cheap premium (700++) per year.i already have full coverage from my company.

Just spent within your budget. And don't be intimidated by all the insurance agent story about losing your job etc.i lost job before no issue worst come to worst you still have public hospital that's is a lot better nowdays

yes if can afford , medical must get the best package.

Tq for ur comment.. so the cheap one is enough for backup is it?

abang mojek meh ambil dengan saya kita minum kt sup urat keting seksyen 7 ok

I don't know your financial, so if you can afford 60 per month why not. Just spend money within ur budget, don't ikat perut just becoz of insurance.

No, I won't recommend buying Insurance just because it's cheap, but rather, it should serve the purpose to cover your financial needs, Insurance is not just about medical card, you need to make sure Death / Disability / Critical Illness and Personal Accident is covered as well.

Who is going to fund for all the cost of living and your kid's education if you just pass away tomorrow with just a medical card ? do you think it will help your family in anyways with just a medical card ?

borrow your thread....

any good websites for me to apply online??

try to save commission

Eh, how to know and understand the policy? Last time I selamba buy je. All I knew was it was life + medical + accident + savings = RM 150 hmm

Hahah. Dekat tu.. aku nak blaja n pahamkan.. dan nak tgk within budget..

get your agent to review ur policy

No problem..

One word: VERY

That's your company's. But, you still need yours if anything happens. Most insurance/takaful companies only accept registration from those within the working age range.

Read the whole policy book.. they do explain every bit of the coverage they provide
What is covered, what is not, how much agent commission, how much estimate of your cash value, etc
If dun understand ask agent to clarify

As long as below age 70, still can apply nowadays.

Worse case are pre-existing illness which may render your application with loading / excluded / postponed or rejected.