Kalau masih muda dan tiada penyakit kronik baik ambik medical insurance sebab premium lebih rendah. Hospital Gov vs Hospital Swasta tak sama.

Life insurance lain. Medical insurance lain.. beza Tu.. Life insurance, memberi pampasan tunai akibat kematian, hilang upaya kekal. Medical insurance, cover Kos rawatan.. Medical yes, Ada government hospital tapi kena tahu, tak semua Kos KT hospital government cover all Kos rawatan.. tak percaya, Doktor government Pon Akan Tanya Kita klu Kita Ada insurance or not jika kena sakit kritikal. Insurance nyawa pulak, no one can't replace u untuk segala commitment yg ditinggalkan jika berlaku kmatian

Life insurace is useful when you are dead. Your family gets the money. But medical card is different.

Life insurance only pay when you die. It benefits your family members you leave behind. Medical card pulak, pay if you need to be admitted to ward (private). Faster, more comfortable. Gov hospital, you pay rm 1, but you pay with your time as well. Beratur lama, specialist appointment lama, elective operation date lambat etc.

dia ibarat mcm kenapa abang beli kereta je, kenapa nk beli kereta sedangkan boleh gi mana2 jalan kaki? (destination tu tetap kena sampai juga) point dkt sini beli kereta memudahkan/cepat dan yang jalan kali pun tetap sampai cuma lambat dan ambil masa.

Life insurance ada macam2 jnis. X semestinya cover medical card. Mcm i.. sebab i ada health issue dari muda.. kalau i apply medical card, chances utk approved sangat low. Kalau approved pun, premium is very high. Tapi i ada ambil insurance yang cover death, critical illness, lady benefit, personal accident & income protection.

U know..takaful hayat is for hospital government ya... Then penting sgt2 bcoz ia berikan Wang kecemasan utk tiga perkara..cacat kekal,sakit kritikal like cancer, kematian... So if u Ade family kan happy dapat tinggalkan family dengan duit yg banyak..most of my clients meninggal anak kecil2 ..n tinggal pampasan yg byk tuk teruskan hidup