The fact u think that getting matured means to buy insurance just prove u are just some boomer. Rich ppl buy insurance means they are right?

With your logic Rich ppl make money to buy insurance why don't u, why don't u also be rich like rich ppl? U can learn to buy insurance like rich but can't be rich like them?  Your argument is completely flawed.
U can't even agree that saving rm 200 for few years will get your 20k covered. I don't know sounds like someone fail math during standard 6 but talk like it has maturity. Any dumb insurance plan also cost rm200.. The premium one might be even higher.

Go learn how to save rm200 per month instead of clinging to the idea insurance make u safe. A father that can't pull 20k cash to me that just sounds irresponsible in many level. Knowing your kid is growing up and starting a family.

I don't need cry mommy and daddy to bail. Cuz unlike u being a irresponsible dad, my parents and family take care their own health, and have emergency plans for everything including medical. They don't buy a security. That 'HAVE' security. Me being so young already have the same security just shows u might be too reliant on insurance.

what insurance you recommend ?

See you assume I am poor and can't even save RM200. Youngsters like you assume too much and think they know everything about the world.

Nobody is clinging to insurance to make themselves safe. This shows that you know nothing about insurance at all. Why does insurance exist in the first place? Why there are so many types of insurance in the world. Your knowledge about insurance shows that you only know only a little bit about life insurance. Basically, you know nothing at all but pretends to be expert in insurance.

All I want to say is I hope your family stay healthy forever. I hope your family emergency funds will be enough for your mom, dads and your siblings. Good luck to you Mr big shot super investor with big security in the future.

Good for you.

dude, insurance are for poor fags like us. because anything happen to us, dunno how our kids wanna survive. i

If u sick and u die straight away is the best case scenario. the worst case is you still alive, but u cant work. then shit hits the fan.

high keras, lotsa-bling bling people like u, no need buy insurance also nvm la. at least something bad happen u can still cover.

I rather go public hospital than paying money to this stupid scams

Sorry, but I have to disagree. Insurance was originally intended for businesses to smooth the cashflow.
https://en.wikipedia.org/wiki/History_of_insurance

A person rich enough to afford the medical expenses should not buy medical insurance. Statistically the odds are stacked against you. If that were not the case, insurance companies would go bankrupt from losing money.

Never use medical insurance for leverage. If you cannot afford the medical fees and need the insurance, please pray that you never need to claim that insurance.

Nope not some rich guy here, unlike some uncle here claim that he is rich and so mature because he buy insurance.

I think anyone should have the life expenses covered or working towards that. If seriously so bad luck end up become like plant can't even say: I don't want the meds like me die instead. Too bad la can't even decide that yourself.
Not to mention the chances of that happening is so so so low. Like what I said, if we bet on something so low chance will happen and get covered, why not buy lottery instead? Not like the imburse amount gonna get rid of the bad outcome completely.

If u are dead, u are dead. Don't give meaning to it like :' ohh I should have some safeguard for my family, I should have love my cats more' etc etc only the living suffers, the dead don't have the mind to think.

While human is still alive, there are many things we can do, and I don't mean Yolo. Shouldn't go afraid this that knowing uncertainty is certain. Do what u can and must, and I don't find insurance is the way to.

What is rich enough? You think a few millions rich enough? 100 million? 1 billion?

Ok, if you have 100 million, maybe you don't need it.

How many people are "rich enough"?

Even T20 salary also not secure enough if they have high commitments and debts, to cover their family.

If you have family and commitments, you will see the benefits of having protection.

Wow....... luckily I Great Eastern.

abang adik saja if the agent not good,

u are not totally wrong in tjis.

insurance people always tell me to top up.
i told them i insure a little bit is good enuf to cover. insurance is insurance, it is never investment or savings.

those who buy lotsa insurance should always consider, rm1 is not rm1 later on. u buy buy buy now, currency of msia maybe shit in the future, one operation in future, habis insurance coverage.

but nevertheless get urself covered a bit, is good enuf for ur family members to buy some time, but to act as savings or investment, not really.

my agent mia for 13 years. No courtesy call /contact me to remind me my policy due . Zero effort to reach out.

Last year suddenly received msg from her promoting new scheme upgrade policy , top up $$$.  Business muz be real bad till like this.

Yes indeed. We do want some form of safeguard, insurance is just one way. To be fair I argued strongly it dosent work for me, being said that dosent mean dosent apply to everyone.

A poor shield is better than none. But if I don't have to start a fight that's the best. That's why I intend to say.

Not buying up the whole armory and arsenal hoping someone to hit me in the face.

With my analogy, I'm just the guy who maintain good diplomacy with ppl and not putting myself to get punched in the face by being a dick.