Violet and I are in our early 40s and we have 3 wonderful children, aged 4, 7 and 9. Both of us took up an investment policy each with our total premium amounting to RM12,000 yearly. This includes riders like waiver of premiums, critical illness, personal accident, disability income, medical, etc. Upon analysing our policies, we realize that out of RM12,000 premiums paid, RM6,400 went to paying the riders and the balance of RM5,600 went to investment.
In addition to that out of RM6,400 that went to riders, RM3,492 went into medical insurance for the both of us. We badly wanted to have our 3 children covered under medical insurance because we know the cost of hospitalization is very high nowadays but we just cannot because that would require an additional premium of RM2,400 for the same plan not including investment amount! So we had no choice but to get the coverage for ourselves first.
Through these few years we have been living in fear that any one of our children may be unlucky enough to be admitted to hospital but thank God nothing of that sort happened. But now we have peace of mind after learning from this site on how to get adequate coverage for my whole family at a very affordable premium. Thank you so much from our family!
WE ARE SURE THIS WILL DEFINITELY BENEFIT MANY MALAYSIANS WHO MAY BE IN THE SAME SITUATION LIKE US. KEEP UP THE GOOD WORK!
