Health InsuranceHow many medical card should one have?With rising medical costs and inflation, one might wonder if having one medical card is enough. Medical cards are used to help cover healthcare and medical expenses such as hospitalization and surgical costs, medications, doctor consultations, care providers, and sometimes dental expenses.ShankariNovember 10, 2025ShankariNovember 10, 2025Read more →
Primary CategoryWho needs life insurance?Life insurance provides financial protection for dependents if something happens to the policyholder. Essential for parents, individuals with dependents, business owners, and even some youths, it ensures that responsibilities like childcare, education, debt repayment, and business continuity are met. Learn who needs life insurance and why it matters.ShankariJanuary 18, 2025ShankariJanuary 18, 2025Read more →
Health Insurance5 key things to know about health insurance policy upgradesUpgrading your health insurance policy offers enhanced benefits but comes with conditional rules you need to understand. From waiting periods and premium adjustments to grace periods and the importance of tailored coverage, this guide outlines five key considerations to help you make informed decisions about your insurance upgrade.ShankariJanuary 18, 2025ShankariJanuary 18, 2025Read more →
Current TrendsWhat is deductible and how itA deductible is the amount you must pay out of pocket before your insurance company contributes to the remaining balance. Common in health, car, and property insurance in Malaysia, deductibles influence both your policy's cost and the financial responsibility you share with the insurer. Learn how deductibles work, how they're calculated, and how choosing the right deductible can balance affordability and coverage for your insurance needs.ShankariJanuary 18, 2025ShankariJanuary 18, 2025Read more →
Health InsuranceMalaysia Health Insurance LandscapeBank Negara Malaysia (BNM) has acknowledged concerns over health insurance repricing strategies as rising medical costs and premiums strain policyholders' finances. With tough choices between higher premiums or reduced coverage, the coming months may see increased lapsation of policies, greater reliance on government healthcare, and an overburdened medical system. A sustainable resolution remains a long way off, leaving policyholders and regulators grappling with a complex and pressing crisis.ShankariJanuary 16, 2025ShankariJanuary 16, 2025Read more →
