insurance has its benefits if you can afford and pay...

honestly saying, it is not for the poor. Better save up on your own...

life insurance on the other hand is a much better option if one can afford- of course by then the money is not spent by yourself anymore.

All those CI and medical insurance have too much tricky wordings etc and agents as usual will say that this xyz agent did not tell u much about it etc. But the reality is the patient would want the minimun procedures and claimable when in need.

Neighbour who had an accident had to amputate his leg and guess what, the insurance company said the amputation is too low. The patient did not meet the amputation requirement for payout as it's below knee. FUHHH!!!

that kind of response- win all already. Hence he stopped all the insurance immediately. That is like the biggest scam of the century. The reason is because below knee amputation can still be fixed with prosthetic leg which is not a full disability... LEL