Medical Protection vs Critical Illness Protection

	Medical Insurance	Critical Illness Insurance
What does it do?	Medical plan pays for the cost of treatment and medication of a hospitalisation	Critical illness plan provides a lump sum payout upon diagnosis of one of 36 critical illnesses, total and permanent disability or death
What can I do with the claims?	Pay for medical cost of treatment or hospitalisation	The patient can use the lump sum payout for anything they want, not restricted to medical treatment. For example, some use it to help their family’s financial situation.
Coverage until?	Until age 99	Until age 80 or death
Who does it most benefit?	The policyholder (and his family, if plan covers family) as it helps pay for their medical treatment	The policyholder and/or their dependents, depending on use of payout
What is the premium payment like?	Premium increases with age	Premium remains the same throughout lifetime

Insufficient Critical Illness Protection

I hope the following helps people to understand more on Critical Illness Protection. Most of the old policy can only be claimed when the policy holder has been diagnosed with severe or advanced stage of the covered event

For example of cancer, when one is diagnosed with "Carsinoma in situ", the policyholder cannot make claim...

CANCER, HEART ATTACK & STROKE are the 3 major illness that hit our Malaysians today.


The statistics show us that the chances of any of us getting these illness is so HIGH. Scary right?

Good news is that today you can buy an insurance known as Early Critical Care to protect your income if these actually happen to you.


The following chart helps to explain what is not included in the most of current 36 critical illness insurance by most of the major insurance company in Malaysia.

As usual if you want to know more, just contact me ok. God Bless!

Why You Need Life Insurance

Why is it so Important to Have Life Insurance?

Getting a life insurance policy is vital for ensuring your family's security in the future and your peace of mind today. You want to make sure your loved ones will be protected and have financial security if the unexpected should happen to you. Everything from medical bills and funeral costs to mortgage payments and educational expenses can be a drain on all you've worked and saved for. That's why we believe it's essential to have financial protection in place for your family in the event of your death.

Single? Life Insurance Can Still Make Sense.

Even if you're not married, life insurance can still be a smart decision. Singles are more likely to experience major life events that lead to the purchase of coverage from a life insurance corporation, such as buying a home or having children. Many times, too, single people are responsible for older relatives such as parents or grandparents, especially if they don't have siblings, and they want to be sure those dependents will be cared for should they pass away.

Take Action Today to Protect the Ones You Love Tomorrow.

There are many types of life insurance policies on the market to protect your family and finances, making it easier than ever to find the right balance of the affordability, flexibility and protection your family needs. 

You can quickly and easily get a quote and start the simple application process right now. It's free and with no obligation.