i untuk CI and hibah i guna epf ,auto deduct yearly from acc 2. epf akan suggest package from several insurance provider, paling tinggi coverage ade up to 200k. I amik more than 1 policy sbb nak more coverage. ade je policy yg cover cancer jgak. cuma nak auto deduct yearly tu kena choose policy yg cover until umur 70. So senang guna epf utk ni, x kacau monthly salary. Just medical card je bayar monthly