insurance plan, the most important aspect is the total disablement benefits.

let say, u earn RM 3 K. annual means RM 36k.

if one day u are struck down by accident or sickness that cause u cannot work anymore, u going to lose ur monthly income.

get a plan that cover that, for maybe 5 years ?

36K x 5 = ? u can do the calculation.

i notice the disable benefits is like RM 10K. so little. how long u can last with it ?

and the critical illness, there are one condition hidden there usually.