Today I had just max out my critical illness coverage with 10 policies from iLindungi, and I found it quite affordable compared to agents. Even my agent mentioned it's inexpensive, and it's not possible to get a quotation lower than KWSP. Am I making the right decision?

Most of them offer coverage up to 200K per policy. There are 5 companies providing 5 conventional and 5 takaful insurance options, so I purchased all 10 critical illness (CI) policies.

Yesterday, I met with my insurance agent to add an additional CI coverage of 550K for an annual premium of RM 3,600. Then, I added 10 more policies from iLindungi totaling 1.6M (inclusive of 300K early stage and 300K life), for only RM 5,131 in annual premiums.