1) Coverage amount see your income and liability lo. Takkan earn 2k amonth wanna cover 2mil CI?

2) There are early and late CI. If can afford go for early CI. Higher chance of recovery at early stage and can use the money to buy medicine, suppliment, extra income etc

Critical illness is 1 time payment when u kena either 1 kind of 36 listed illness.. after claim then habis already.. like a jackpot.

Medical card is admission to ward and can keep on claim as long as within ur limit and ur medical card still active..

So if u buy ci36 and kena fever, go hospital, later wanna claim and say insurance deny claim and u think insurance cheat you, then is u salah faham the product..

But if u buy ci36, kena cancer masuk hospital.. then u pay first.. later claim back ci36 payout for cancer..

This post has been edited by Boomwick: May 27 2025, 11:42 AM

i think mine doesn't give me lump sum unless i die of critical illness which is around 200k, i think.
my medical card pay for my critical illness treatment up to 1M (not sure if it refresh every year, need to check)

if ur dad pays for it, why not.

so it is life 200k plus medical card lo

anyway CI got catch one, some is only payable for end stage illness like cancer, and there is survival period after diagnosis which is from 7 days to 30 days.

Tat one 200k u buy is death / tpd..
Means mati, or total permanent disability (2 limb gone) only can claim that 200k..

In insurance, got 4 section

Life insurance which is death / tpd
Medical card
Ci36
PA (accident)

Ci36, is when u kena the listed 36 illness, no need to die or tpd, also can get claim

then i have to check on this

Mine lapsed because I could not afford.
I thought I had Medical Card but turned out to be ILP
RM464 after hike.CI only RM50000

I feel scammed.

i am not sure if your medical card pay for your cancer treatment. U better check.

This post has been edited by Le Don: May 27 2025, 11:57 AM

well... have to balance a little ba.
i would have enough savings to pass down to family if i die now, or die later... > so life insurance isnt that important from my perspective.

CI- is like kena the unfortunate lottery of the 36, will get some consolation.... but how much is this 300/500k?

my worry is fall sick, then need large sum for treatment/operations/recovery. so i put more focus on medical fees.



Also - i wrong perceptions that my company got this term life/medical insurance for me.... that was true when i was younger and got less to worry.
now seems that it is not enough anymore, and what if - kena MSS or going pencen. those insurance will be gone- and will be expensive to purchase in the 50s.

U check ur medical card whether

1m is annual limit, usually life time no limit (new plan)
This will be more expensive..


Or 1m is life time limit, and annual maybe 100k limit (old plan like 20years ago)
This also getting expensive already.. because the pool of people getting old and start claiming the pool fund, and also got people switch to new plan which is 1m annual limit..

for inpatient treatment, all is covered lol unless it is pre-existing condition

for outpatient treatment then need to be careful as not all medical card cover for cancer outpatient treatment

for some case, chemo therapy can be counted as outpatient treatment since you are not admitted during treatment

yes- many insurance agent will like to "mis-informed". ILP is where most their bonus and profit come from.

they are not stupid fund manager.... just that they take a big cut on the return on investment.

i recall compare to the table they give- on the return after 10 years. ( worst case- normal- best case).... the actual return is lower than worse case. when i bring this up to my agent ( which is a friend)... he was acting like confused forget what he sells

Ideally you should have medical insurance to cover for the medical expenses/treatments when you get hit by any of the CI.
CI insurance is better used to cover your other expenses like your loans, bills or whatever if you have to temporarily stop working as you undergo treatments, etc.

I see

Ci nowadays people start wothv1 mil.

Serious question...

I've an insurance that pay 100k for 36CI...
I bought it during my younger age, and as for today, after many years of investment and increment in my salary, I'm able to cash out 100k anytime from my investment portfolio.

At this situation, seems like life insurance isnt really very useful anymore? The only important thing in insurance is the medical card? Or im too short sighted?

cisin 500k CI.

Instead paying for insane premium might as well put more $$$ into EPF and let it roll. By the time u setengah mati it probably pay more than the CI.

got money tukar polisi la.

I am with you on this.
Bought CI when young, value only 50/100k . Stopped paying few years ago and use the Bonus payout to self pay. Now Bonus pool almost zero.
Today i informed agent i will surrender the policy and get a payout. Plan to put it into epf.

My view is if i leave it to self pay, my surrender value would be zero.
Bonus interest in the policy i see average 4-5%. Same or higher i put in EPF, and i wont see it deducting to zero.
For the coverage of 50/100k , it is very small and in case of emergency I have that put aside.

For medical expenses, I still have medical card.