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

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

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.