It is important for people to have health insurance in this day and age, especially in light of the pandemic and the fact that medical costs are constantly increasing.
CI coverage can be seen as a way of replacing the active income a person could have earned had they not been diagnosed with a critical illness. It is advisable to start with a medical card and add CI coverage progressively.3. An investment-linked policy is better But all medical cards will rise in premiums over time. Say you are 30 years old and intend to buy an ILP. Your premium is RM200 a month, which is higher than a standalone medical card. Bear in mind the following:you incur costs on life insurance, CI coverage, and on your medical card;your insurer will invest whatever is left into your designated unit trust;Fast forward to age 50.
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