1. Good to have since premium is not that expensive

2. Depends on occupation, gender and other options

You won't get good replies here.
1. Read what does the waiver cover. According to my agent her client took the waiver but insurance company does not want to cover as
It does not fulfilled the definition of the sickness
Eg. Heart attack, the waiver will only cover if >=70% of blockage of blood vessel. So if the doctor report write as 60%, no waiver will be given. The waiver is pretty basic stuff unless they upgraded it.
Also the waiver won't cover any increase in premium other than the original premium. You can search this topic.

2. You have to shop yourself like what I did and tabulate the data yourself. No one here is going to help as "some people here wants payment" before giving you this info. I

You can get standalone. AIA, GE, Generali all have standalone plans. You need booster to boost up coverage to 1m+ if you are going to buy AIA or GE.

Go with  AIA and take the highest deductible plan. Supplement it with gathercare. That is what I will be doing in the future. Gathercare only cost like RM300-400/year. Use gathercare as main insurance and and have savings of at least 30k if somehow gathercare does not work.

Maybe you need to speak to me.
I have agency staff to remind you even if the app notifications somehow fail to reach you.

MORE IMPORTANTLY:
Go through a financial health check.
The process puts all your numbers in front of you.
You're a shrewd guy, I believe the numbers will then help you decide if you need coverage for Life / Critical Illness coverage and how much (if there is a need at all).

As opposed to always going on a guesstimate, why not move forward with certainty?
Wouldn't that make it easier to go hard when the opportunity arises, knowing that you can?
Just like how your 60-month living expenses reserves invested, doesn't it make you feel good knowing that you have that amount ready and liquid?
Why does it not make you feel secure with it when it should?  :thumbsup:

..... i think that's b.s.