or just buy critical illness plan. our plan B for medical coverage is government hospital, not so bad la but just have to tahan with the queue and parking spot.

as for CI, is a lump sum payout to u, can be used for anything. so u dont have to be worry about medical repricing. since for CI it is fixed.

if u have any friends families who are insurance agents. (or just ask them to send a simple SQS)

ask them to breakdown the commission for ILP vs standalone.

see which one do they get more.

No.. haha. it is standalone. Almost 30%

ILP only 15-20

Some agents actually don’t care if u wanna buy standalone or ILP. And some agents are pushing u to buy standalone because later in life when u thinking of adding life or critical illness. They will just ask u to buy a new plan. Life 1 plan. CI 1 plan.

The beauty of ILP is that u can delete add on rider and still keep the policy. Maybe waiting period la need to start Balik. But other than that. ILP is ok.

As for the sustainability. Ask ur agent to choose the lowest risk funds as to not oversell the returns. I know some companies can promised as high as 10% per annum. Gila.

high fever that never went off is dangerous bro. manatau dengue.

i for one are grateful that the doctor insist on doing biopsy for my neck lump, even though FNAC diagnosis is benign. because in the end, the biopsy result turns out to be CA. stage 3 salivary gland cancer.

not all private hospital try to milk u. but if u think they are, just question them or get a 2nd opinion.

if government? they probably just pass it off and say “kalau sakit datang balik” but what if the sakit dtg balik means its already stage 4 😅

This post has been edited by brokenbomb: Jan 30 2024, 01:31 PM