a lot depends on yr age, what plan u have n what plan yr employer gives u.

if young 30s-40s, dun worry so much, keep getting covered by employer.

if not so young like >40s, better keep.

becos... if u give up and buy again later, the premium is much higher due to age, loyalty, inflation.

some insurers wun even sell to u if past a certain age and/or u have poor medical records.

quite common that people who delay too long and end up w/o medial insurance, have to "self insure".

i wud advise u to recheck the terms & conditions of yr policy - for premium changes, increases.

some policies are rigid, committed to "review very x years", etc... won't be able to raise premiums easily.

some reserve right to change anytime... subject to BNM rules, of course.

if price isn't prohibitive and not likely premium hike easily, should keep.


with the current high real inflation environment, we can only expect medical costs to keep rising.

imo, medical/hospitalization insurance is the most impt one to have.

the rest... life, endowment... i see them as secondary.

ada... cover u up to age 100.

premium... u tell me!