Life Assurance

Why is life insurance important?

Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you . It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses.

Who Needs a Life Insurances?

Individuals who support a family/ have dependents

People with major goals to achieve in life

Parents to secure the future of their children

People who have loans/ expenses to bear

Life insurance industry in Malaysia to reach US$15.7bn in 2025

Medical Insurances Vs Critical Insurances

Everyone needs medical insurance, but not everyone needs critical illness protection. Is this statement true or false? To answer that question, we must first find out what is the purpose of both policies. A medical insurance policy protects you in the event of a medical emergency which requires hospitalization, by covering for the cost of treatment. On the other hand, a critical illness insurance policy provides financial aid in the form of a lump sum pay-out, in the event you are diagnosed with a critical illness. Still confused? It’s okay, we have an example of how they would play out in a person’s life.

Critical Illness - Why YOU must have it?

Critical Illness insurance you need it not because you are going to die, but because you
are going to live … and because you may have illness related expenses that you may not
have considered.
While you might be surprised at the growing number of Malaysian who are being
diagnosed with a critical illness at an increasingly early age, the good news is that
medical advances are increasing life expectancy and there are much brighter prospects
for surviving. Check out these statistics:
70,000 Malaysian suffer a heart attack each year and 1 out of 2 heart attack victims is
under age 65 but 95% survive their first attack*
1 in 3 Malaysian will develop some form of cancer but 65% will survive at least five
years*
After age 55, the risk of stroke doubles every 10 years and 1 out of 20 Malaysian suffers
a stroke before age 70 but 75% will survive it*
Women have a 1 in 9 chance of developing breast cancer but only a 1 in 27 chance of
dying from it.**
Men have a 1 in 7 chance of developing prostate cancer but only a 1 in 26 chance of
dying from it**

Healthcare Benefits

Looking at Malaysia in specific, insurers in the country are
projecting a continued increase in the medical trend, from
12.9% in 2022 to 13.8% in 2023.

The importance of having a medical card

Covers an individual’s medical and surgical expenses, absolutely or partially depending upon the policy
The best health plans cover hospitalization, pre and post medical expenses, accidental injuries etc.
Tailored to one’s unique health necessities and can be enhanced by opting for riders
Premium qualifies for tax deduction as per Section 80D of the Income Tax Act

Life Assurance

Why is life insurance important?

Who Needs a Life Insurances?

Life insurance industry in Malaysia to reach US$15.7bn in 2025

Medical Insurances Vs Critical Insurances

Critical Illness - Why YOU must have it?

Healthcare Benefits

The importance of having a medical card

Treatment Cost

How it works?

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