This is old news, someone at age of 55 claimed his insurance triples from RM652 to RM1,800 monthly. But if monthly = RM1.8K, it will be RM21.6K in a year. At age of 55? Has health insurance become so expensive nowadays? Or something not really right with this news? Who at age of 55 is currently paying RM20K a year for your health insurance?



https://www.thevibes.com/articles/news/1084...-rm1800-monthly

A 55-YEAR-OLD single father, identified as Eson, was diagnosed with stage one bladder cancer in 2018.

Fortunately, at that time, he had his workplace insurance which covered his immunotherapy treatment that cost almost RM300,000 for three years.

Eson's cancer eventually got better but the doctor said that he was still at risk of the cancer returning and needed to be vigilant.

As a precautionary measure, Eson had bought an insurance policy for himself 15 years ago with a premium payment of RM652 per month.

"It's not easy to do sales work and Eson always works overtime which causes him to be constantly tired and exhausted, especially when Covid-19 hit.

"In 2021, Eson had to quit his job and take early retirement due to health reasons," Bayan Baru MP Sim Tze Tzin said in a Facebook post.

Unfortunately, Eson was under financial pressure at the time and spent most of his retirement fund within two years.

"To make things worse, the insurance company increased his premium from RM652 to RM1,800 - a three-fold hike which is really burdensome for a retiree.

"On top of that, the doctor confirmed that Eson's cancer had returned.

"At this time, all his savings were gone, and the insurance company insisted on not lowering his premium. How was he going to survive?" wrote Sim.

Story don't add up

Diagnosed as stage 1 bladder cancer 2018 so he used his company insurance

As precautionary measure, he bought an insurance 15 years ago.

So he's still insured as this moment so his cancer came back, he can use his insurance to cover his cancer recurrence now what.

After get better just cancel the insurance policy. No need pay 1.8k

Who the fuck is writing these articles?

unlikely that stupid insurance cover his pre-existing conditions

i think need to control how these insurance companies charging

The "precautionary measure" statement baffles me too. When author wrote that statement, it means the insurance was bought to guard against the return of the cancer. Unless he's Dr Strange's disciple, this is not possible.

scam. you see the insurance company how many billions?

This post has been edited by Phoenix_KL: May 20 2025, 10:57 AM

The problem isn't the insurance companies buddy.

Its the freaking hospitals over charging the moment they know you are on insurance.

But if you see the paytable for medical plans inside the brochures today, at age 55-60 memang its like 1-2K a month without factoring repricing down the road.

That's when you purchase those policies very late.

This guy purchased 15 years ago. Why suddenly price at the point he buy now? Defeats the purpose of buying insurance early

He bought Med insurance @ 2010.
2018 he is diagnosed with cancer and he use his company insurance for the treatment.
2021 he quite his job.
2025 (presume) His Medical insurance increases his premium from RM652 to RM1,800 + his cancer say hi, im back.

Since Doc confirm cancer is back he can claim from his existing medical insurance right ?
Or there is something im missing.

No no. It doesnt work like that. The premium pay table shows premium payable by age groups. Example like this:

Age Premium per month
30-38 400
39-45 650
46-55 850
56-65 1500
66-80 2000

So if you buy at 35 memang u pay 400 a month. As you age to 56, u need to pay 1500 a month.
If you buy at 56, u pay 1500 a month. This pricing is as off now, can be repriced by the insurance company.

So buying earlier allows earlier coverage, when old sick the insurance company won't let u buy also. Also buying earlier gives chance to build up cash value in the plan for use in old age lo. Thats all jer.

That amount of premium is for what amount of coverage ?

He bought wrong insurance, and his agent noob, that's that.

When you buy insurance, you can always buy waiver of premium rider. The rider can waive your premium on the event that you are no longer be able to earn an income to pay your premiums, e.g. getting cancer and unfit to work.

Something odd with the story. Take insurance 15years ago. Diagnosed with cancer 7 years ago. So why insurance no cover the cancer?

Then all insurance I know will have waiver once you kena cancer, meaning don't have to pay premium anymore and you get free coverage

Stage 1 usually won't waive. That also see your plan.

But this guy story timeline doesn't make sense also.

For medical insurance specially medical card, price go up with age.

I tembak only bro. Not actual. Example only

Only fakker who want to do scared mongering news for news media on insurance

His agent no advice him buy ci36 so kena anything can jackpot there ma

Actually what is customer rights against medical insurance premium hike? Last time everyone got cheated by agents that as long as we bought medical insurance from earlier age we get to keep the low premium.

Now that’s no longer true, I really wonder should I cut loss earlier rather than keep throwing money at this endless money pit?