Which life insurance + medi card plan is best for kids aged 6 in the market now?

Age 6 is when kids are starting to be stronger so less chances of hospitalisation, the cost of insurance will start to be lower.

Life insurance is not a priority (but coverage cost is cheap, and many ILP plans you need to buy life coverage) since kids don't have economic value yet but critical insurance, personal accident and medical/hospitalisation coverage is important.

Just commenting since don't see any replies, helping to bump this tered. Maybe you already got PMs from agents d.

no one buy medi card for kids?

there is no best medical card for kids. only suitable medical card coverage.

most medical card is about the same . no way to compare apple to apple....

I would highly recommend to get medical insurance for your kid. However, the only option so far is ILP. I don’t think there is any option to get standalone medical card for newborn (pls correct me if I’m wrong).

Standalone medical card for kids are still available.

No need buy life insurance for children. Only medical good enough. Do you really need the money from your child misfortune?

y everyone so reject life insurance for kids? bad experience? mind to share?

yes, get the life insurance to cover for the disability portion. It cost alot of money to care for a disabled person. Special schools, extra helper, special food, modified homes and car, these cost money too. But main priority medical card, got spare cash then add the rest like CI and life.

Dunno which is best. About 8 years ago my ex-colleague last time bought Great Eastern Life insurance for her 5 year old daughter. Premium about RM2400+ per month. Now i think price increase oledi. Not everyone can afford it.

I got medical card for my kids as soon as they are born and qualify for one

It's either prudential or great eastern for me, both same same, I take whichever one that approves for my kids

I scared even dengue or hfm can end up in hospital sometimes and it costs a bomb so good to get one young

Life, I also got for them. Cos buy young so cheap once thye older and start to work ask them to continue paying for themselves

Definitely a medical plan for kids is a must. My own kid admitted for Sunway due to serious constipation that cost us Rm3k just 2D1N 😓😓😓

I don’t think the premium is that expensive. I am currently paying about 200 per month for insurance plan that mainly covers hospitalisation only.

there are more than one type of life insurance plan. i think yours is a basic one. the type that she bought, she required to pay the premium every month, then after a period of time passed she can request to withdraw out partial of the money paid for any reason. it is something like a savings account. also, maybe partial of the premium paid may be used for some kind of investment by the insurance agent/company (but the return is not guaranteed)

I think you are referring to those investment linked plans? Yes I bought one of those as well, but it covers mainly hospitalisation only. I didn’t add any additional riders to keep the premium low, as I don’t need them anyway.

ya i think is ILP. her's one cover permanent disability, critical illness, death, etc.