Comments on: Medical Insurance Rider Or Standalone – Which Is Better For You? [Infographic]

By: Which Malaysian Insurance provides the best protection for your child? - iBanding: Reviews & Ratings to make better decisions

Tue, 21 May 2019 00:01:55 +0000

[…] You can check out the complete infographics here: https://ibanding.com.my/medical-insurance-rider-or-standalone-infographic/ […]

By: Which Malaysian Insurance provides the best protection for your child or baby? - iBanding: Reviews & Ratings to make better decisions

Mon, 20 May 2019 23:57:59 +0000

[…] You can check out the complete infographics here: https://ibanding.com.my/medical-insurance-rider-or-standalone-infographic/ […]

By: First Look at Malaysia's First Online Takaful Medical Card: myClick Medicare - iBanding

Wed, 18 Jul 2018 20:00:31 +0000

[…] Most importantly, it is Malaysia’s First Takaful Medical Card that is offered online. The medical card is a standalone policy, so it is not linked to a life insurance […]

By: luke

luke — Mon, 16 Jul 2018 16:43:53 +0000

In reply to Jesslyn Tan.

Dear Jesslyn, this is a very good question and not easy to answer, because it depends on your financial situation and on how comfortable you are with risk. Financial Professional call it Risk-Profile. Can I ask you to post your question on our forum http://forum.ibanding.my? It will be good to get the view and opinion from other Insurance Agents, so you can make yourself a complete picture.

But here a glimpse of my answer: If you only worry about medical, then a standalone insurance with guaranteed renewal is enough. It seems that you think that only a standalone will increase in cost, but it is not true. Even in an investment link policy, the premium for medical increases.

Once you post your question on the forum, other agents and I can provide you with a more detailed answer.

By: Jesslyn Tan

Jesslyn Tan — Sat, 14 Jul 2018 05:54:46 +0000

I have a standalone medical for my son and investment link policy with medical rider for my daughter. I feel very insecure with stand alone policy as the premium seems to be increasing 15-20% every 2-3 years but at the same time investment policy is too expensive. Should I be of concern on the standalone increase premium in long term? Is it unnecessary for me to concern that my son don’t have life and critical illness cover?

By: Health Insurance - 36 critical illness in Malaysia

Health Insurance - 36 critical illness in Malaysia — Tue, 19 Jun 2018 21:03:28 +0000

[…] our article on Medical and Health Insurance to find out more why this plan is important for […]

By: 5 Mistakes When Buying health Insurance

5 Mistakes When Buying health Insurance — Tue, 19 Jun 2018 20:55:49 +0000

[…] said earlier, there are many factors you should consider before buying an insurance plan. It is best to clearly understand your intention, needs and wants rather than taking cover […]

By: The Dos and Don'ts of Medical and Health Insurance - iBanding

The Dos and Don'ts of Medical and Health Insurance - iBanding — Tue, 19 Jun 2018 20:54:10 +0000

[…] Some people still don’t acknowledge the importance of medical and health insurance. They see it as an unnecessary expense. And when things get tough, this expense is usually the first one to get cut. While it is important to buy a plan you can afford, it is most crucial to first understand clearly that insurance is not something you purchase to “enjoy” immediately. But it is a security blanket, like the umbrella we keep in the storeroom in case it rains. We all carry a spare tyre in the trunk of our car, but how often do we ever need it? That does not stop us from taking it with us everywhere we go. Same principle applies. You purchase insurance not for now when you are well and healthy. You purchase insurance to enjoy the benefits when you are ill or hurt. […]