My friend works as Insurance Agent

She told and shows me the statistics of last year(2023) is the highest amount of people that claim and used the medical card.

Those that use Takaful version of insurance, the money pool is greatly affected.

There are many insurance users like to abuse the medical card, hospitals also same like to mark up the cost of hospitalisation, surgery etc.

That's why nowadays in year 2024, insurance companies started to get a little bit stricter on people that want to use the medical card.