take note the AXA emedic exclude outpatient cancer and outpatient kidney treatment.

AXA eMedic do not cover outpatient cancer and outpatient kidney... thats why it is cheap...

if you looking for pure protection product online,

you can try https://www.takaful-malaysia.com.my/, medical card or Termlife + Critial illness , also can buy online. Purchase online will cheaper than offline because it does not involve any intermediary...

medical card normally cover in-patient, means only when you hospitalized, you able to claim.

if a medical card cover outpatient cancer for example, cancer treatment normally is outpatient and long term followup basis, which it does not require hospitalization. if your medical card does not cover that, then there is a risk gap you need to fill by purchasing Critical illness plan or cancer plan...

taking into consideration that, big bill medical cost -> cancer, kidney and organ transplant which easily cost up to 100K above.... it would be good if you purchase a medical card in one go with these 3 coverage....

i'm not insurance agent. this is just my humble opinion.

This post has been edited by memorylane: Dec 19 2019, 05:00 PM

if you already paying the policy for many years... just continue maintain the old plan... these type of saving type of insurance plan tends to give more value as time accumulate (of cos after you no longer paying commission to your agent after 6-7 years, your whole premium will contribute to your policy. If you start again new cash value type of insurance plan, your agent will earn another 6-7 years from your premium again)

if you feel yourself under insured, topup your protection coverage by direct term insurance (without any cash value)... for example: https://www.takaful-malaysia.com.my/ , you can buy term life, TPD, Critical illness, and medical card all directly online, declare your health honestly. Pure protection plan is 10 times cheaper than saving plan, provide you sufficient coverage, without any cash value. It is always recommended to buy insurance, for pure protection, not for investment, unless you do not have saving habit and want force yourself saving by purchasing cash value plan.