Nissin,

don't know how you get the count,have a look in critical ill coverage,you will know chaNCE to get accident is actualy higher,plus most accident insurance allow you do claim even just minor injury.

Dreamer,

in malaysia,most of our life insurance now a day are 2 in 1(die and tpd)not much malaysia want to buy pure die insurance,unless there are senior citizen which not tpd coverage offered.

Zarth,

i not quick agree to take insurance saving plan as emergency fund,it is not easy to reach the stage that policy have cash value and even reach,the cash are not big.better create a seperate emergency fund that can combine from your saving and investment.

not use emergency fund for medical bill?this statement,funny.any other more emergency thing than our own life?

if you read newspaper,you will know just just road accident alone,it is Malaysia's number 1 killer,this haven count other accident,and we all know with Malaysia high rising criminal nowaday,accident insurance are more and more important.and since you know that CI is a very expensive insurance,
please read carefully those CI statement,it is realy not that easy to claim for CI.while accident insurance,even minor injury ,you can claim.

if you job are not very need ability to speak or hear,i think is more cost effective to use medical card to handle for critical illness,with more a less same cost and same amount protection,it is more easy to make claim by medical card.

i not say CI is not important,but for those under budget,they can buy CI later or buy lesser amount,use medical card to protect them instead.

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Added on October 9, 2007, 10:41 pmDreamer,

i think they are mention about insurance that give you monthly or yearly income in case of unemployment or tpd instead of pay in lum sum,depend which plan they buy.

is true that this kind of income protection plan can pay you more than those lumsum plan pay you,but,their insurance premium also.....much higher.

This post has been edited by athlon 11: Oct 9 2007, 10:42 PM