I agree with this very much. Medical card is not ATM card nor credit card. Nobody can use medical card to pay off their housing loans and car loans when they lose the ability to work hence no more income to pay off those loans.

Imagine a person suffers kidney failure. Yes, his medical card will pay for his kidney washing expenses in hospital, but because he lost the ability to work due to his kidney failure hence he has no income to pay for his outstanding car loans. If he has 36 CI protection, he can get the lump sum compensation thereby paying off all outstanding loans without giving troubles to his wife and his children.

Hence for thorough and comprehensive health/medical insurance, 36CI + medical card is recommended. And these plans are not expensive.

Looking for Insurance. Agents pls PM me ur basic details & qualification. Prefer full time agent in KL area.

THanks