Heard uncles arguing cause 1 of the uncle's son works as an insurance agent.

why would you think of insurance is a scam? i mean insurance is for the poor isn't it?  (lol please don’t say its easy to cheat the poor etc.)

don't talk about gov hospital.

It is always a scam until they see the cheque.

Wife will say no to insurance, but a widow will ask how much was he insured?

lol, me kena tiow by the insurance agent saying me bodoh only take medical card and not including other, like i give a shit.

Reason is simple, talk insurance all run away, talk savings some will listen but insurance policies are not savings plans. No choice lar, kasi goreng.

Many donkey years ago, this kawan baik approach me sell insurance savings plan, talk talk talk, then ask her calculate IRR, she don't know what is IRR, KNS, I calculate the IRR, miserably 3.2%, inflation cannot cover, her answer was why bother with inflation!! got savings cukup lar!  Absolute ass hole of an agent. Kawan baik wouldn't put food on my table when i retire.

Traditional medical card at most cover 150k medical fees per year with a certain lifetime limit

Investment-linked medical card can cover up to 2.6 Million medical fees per year with no lifetime limit

Judge yourself