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If you guys use the insurance money to invest, you won't need insurance.

That's why they said the rich don't buy insurance

I paid monthly RM244 for my medical card and my wife RM215. Of course this is the figure I paid after medical repricing. Originally I paid only RM200 per person. Last July went for angiogram and hearts ablation treatment at two different hospital. Total cost is RM50K and already at the limit of what I can claim annually.

300+ per month for medical and another 3000+ per year for PRS.
The PRS from prudential seems too good to be true, 20% return + interest per year. I do it for tax return though.

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RM0 ....... because I believe that if we avoid doing evil or harm to others and self, plus know how to protect ourselves from our enemies and toxic people, we will not be cursed/punished by God with calamities like hospitalization or premature/early-age death - EXODUS.20:1-23, DEUTERONOMY.28:15-, ROMANS.2:1-13. IOW, there is no fear in love and wisdom.

Similarly, for years, I have spent RM0 on gambling and lottery which is a form of stealing money from others through a game of chance. All gamblers have greed in their hearts and have the intention to win big or steal money from others. "You shall not steal."
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THIS

Kek people think insurance is investment really need to go study back

It's more of just an umbrella for the weather in your life....

Rich people really don't need insurance coz they can pay everything upfront even on their dying bed or doing chemo, they will get their Personal Assistant to settle for them