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Articles/Educational

Educational

Articles categorized under Educational.

Discover who needs life insurance and why it’s crucial for parents, dependents, business owners, and even youths. Learn how life insurance supports responsibilities like childcare, education, debt repayment, and business continuity, ensuring financial security for loved ones and stakeholders.

Who 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.

January 18, 2025

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Can You Survive Without Health Insurance in Malaysia? Here’s the Reality

In Malaysia, we often hear that a medical card is the only way to feel safe. While that works for some, the truth is that many Malaysians live full, secure lives by taking a different path. Choosing to go without private insurance isn't about being unprepared. Instead, it’s about leaning into the incredible systems our country already has in place and keeping your hard-earned Ringgit under your own control.

ShankariApril 16, 2026

Scrabble tiles spelling "HEALTH INSURANCE" on an open planner, with blue pills, eyeglasses, and a laptop.

Health Insurance

Medical Premiums Are Rising, And the Truth Is, the System Is Too Expensive

Premiums are rising because healthcare in Malaysia, particularly private healthcare, has become extremely expensive. And while insurance reflects that cost, it does not create it alone. This is a systemic problem.

Ajjmal ShukriFebruary 9, 2026

February 9, 2026

A crowded hospital waiting room with masked people, including some in wheelchairs.

Over 340,000 Medical Policies Cancelled: What Affected Policyholders Should Know

Between January 2024 and June 2025, over 340,000 medical and health insurance/takaful (MHIT) policies were cancelled in Malaysia. Driven by premium hikes,many policyholders found themselves at a financial breaking point.If you are currently facing policy lapsation or are struggling to keep up with rising premiums, you are not alone.

ShankariJanuary 31, 2026

January 31, 2026

Nipah virus infographic detailing its spread from fruit bats to pigs and humans (via contaminated fruit/palm sap), human-to-human transmission, 40-75% fatality rate, and symptoms including fever, encephalitis, and respiratory problems.

Is Nipah Virus Covered by your Insurance?

The short answer is yes. In most standard medical insurance policies, hospitalisation due to viral infections, including rare ones like Nipah is covered under "Inpatient Treatment" or "Hospitalisation and Surgical" benefits.

Ajjmal ShukriJanuary 31, 2026

January 31, 2026

A document titled "Government's Proposed Voluntary Base MHIT Plan," featuring introductory text and a table comparing "Standard Plan" and "Standard-Plus Plan" for health insurance features, premiums, and benefits.

5 Things You Should Know About The New Base MHIT Medical Plan

Choosing the right medical insurance is one of the most important financial decisions you will make. With the upcoming rollout of the Base Medical and Health Insurance/Takaful (MHIT) Plan, there’s a new option now that we can consider.

ShankariJanuary 31, 2026

January 31, 2026

Current Trends
Can You Survive Without Health Insurance in Malaysia? Here’s the Reality
Shankari
•
April 16, 2026
Health Insurance
Medical Premiums Are Rising, And the Truth Is, the System Is Too Expensive
Ajjmal Shukri
•
February 9, 2026
Current Trends
Over 340,000 Medical Policies Cancelled: What Affected Policyholders Should Know
Shankari
•
January 31, 2026
Current Trends
Is Nipah Virus Covered by your Insurance?
Ajjmal Shukri
•
January 31, 2026
Current Trends
5 Things You Should Know About The New Base MHIT Medical Plan
Shankari
•
January 31, 2026