{"id":1029,"date":"2021-09-24T15:44:28","date_gmt":"2021-09-24T07:44:28","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=1029"},"modified":"2026-02-07T20:34:32","modified_gmt":"2026-02-07T12:34:32","slug":"7-insurance-myths-you-shouldnt-believe","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe","title":{"rendered":"7 Insurance Myths You Shouldn&#8217;t Believe"},"content":{"rendered":"\n<p>If you\u2019re thinking about getting life, medical, or other insurance but hear lots of conflicting information online, you\u2019re not alone. Some things people commonly believe about insurance simply aren\u2019t true \u2014 and they can even prevent you from getting the protection you need. Let\u2019s bust <strong>7 of the most common insurance myths<\/strong> once and for all.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4511\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/attachment\/pexels-andrea-piacquadio-3760809\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-andrea-piacquadio-3760809.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-andrea-piacquadio-3760809\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-andrea-piacquadio-3760809.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-andrea-piacquadio-3760809.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/pexels-andrea-piacquadio-3760809.jpg?resize=800%2C400&#038;ssl=1\" alt=\"The Internet is a great place to learn about insurance. But take every information with a pinch of salt. Beware of these insurance myths.\" class=\"wp-image-4511\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-andrea-piacquadio-3760809.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-andrea-piacquadio-3760809.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-andrea-piacquadio-3760809.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d76ac520934\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d76ac520934\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#For_your_benefit_we%E2%80%99re_going_to_debunk_7_insurance_myths\" title=\"For your benefit, we\u2019re going to debunk 7 insurance myths!\">For your benefit, we\u2019re going to debunk 7 insurance myths!<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#Myth_1_%E2%80%94_Insurance_Is_Too_Expensive\" title=\"Myth 1 \u2014 Insurance Is Too Expensive\">Myth 1 \u2014 Insurance Is Too Expensive<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#Myth_2_%E2%80%94_Takaful_Is_Only_for_Muslims\" title=\"Myth 2 \u2014 Takaful Is Only for Muslims\">Myth 2 \u2014 Takaful Is Only for Muslims<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#Myth_3_%E2%80%94_Takaful_and_Conventional_Insurance_Are_the_Same\" title=\"Myth 3 \u2014 Takaful and Conventional Insurance Are the Same\">Myth 3 \u2014 Takaful and Conventional Insurance Are the Same<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#Myth_4_%E2%80%94_Life_Insurance_Is_Not_Worth_It\" title=\"Myth 4 \u2014 Life Insurance Is Not Worth It\">Myth 4 \u2014 Life Insurance Is Not Worth It<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#Myth_5_%E2%80%94_Buying_Insurance_Only_Benefits_Agents\" title=\"Myth 5 \u2014 Buying Insurance Only Benefits Agents\">Myth 5 \u2014 Buying Insurance Only Benefits Agents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#Myth_6_%E2%80%94_Medical_Insurance_Has_No_Use\" title=\"Myth 6 \u2014 Medical Insurance Has No Use\">Myth 6 \u2014 Medical Insurance Has No Use<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#Myth_7_%E2%80%94_It%E2%80%99s_Hard_to_Make_Insurance_Claims\" title=\"Myth 7 \u2014 It\u2019s Hard to Make Insurance Claims\">Myth 7 \u2014 It\u2019s Hard to Make Insurance Claims<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\/#Final_Thoughts_%E2%80%94_Don%E2%80%99t_Let_Myths_Mislead_You\" title=\"Final Thoughts \u2014 Don\u2019t Let Myths Mislead You\">Final Thoughts \u2014 Don\u2019t Let Myths Mislead You<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"For_your_benefit_we%E2%80%99re_going_to_debunk_7_insurance_myths\"><\/span>For your benefit, we\u2019re going to debunk 7 insurance myths!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_1_%E2%80%94_Insurance_Is_Too_Expensive\"><\/span><strong>Myth 1 \u2014 Insurance Is Too Expensive<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Many people think insurance costs too much, especially when comparing premiums to monthly expenses. But insurance doesn\u2019t have to be expensive \u2014 and getting it earlier in life generally means <strong>lower premiums<\/strong> because you\u2019re younger and healthier. Starting early can provide affordable protection that helps cover future risks like hospitalisation or disability<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_2_%E2%80%94_Takaful_Is_Only_for_Muslims\"><\/span><strong>Myth 2 \u2014 Takaful Is Only for Muslims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some people associate <em>takaful<\/em> (Islamic insurance) only with Muslim policyholders. However, <strong>anyone can take takaful coverage<\/strong>; the difference between takaful and conventional insurance lies in how risk and funds are managed, not who can buy it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_3_%E2%80%94_Takaful_and_Conventional_Insurance_Are_the_Same\"><\/span><strong>Myth 3 \u2014 Takaful and Conventional Insurance Are the Same<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Although they serve similar purposes (providing financial protection), takaful and conventional insurance follow <strong>different principles<\/strong>. Takaful operates on mutual cooperation and shared risk without certain elements like interest, uncertainty, or gambling \u2014 which are avoided under Islamic principles \u2014 whereas conventional insurance follows different financial mechanisms.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_4_%E2%80%94_Life_Insurance_Is_Not_Worth_It\"><\/span><strong>Myth 4 \u2014 Life Insurance Is Not Worth It<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some people believe life insurance only pays out upon death and isn\u2019t worthwhile. In reality, many policies also cover <strong>total permanent disability<\/strong> and can replace lost income if you\u2019re unable to work due to serious injury or illness. These benefits mean life insurance can provide financial security long before end\u2011of\u2011life situations.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_5_%E2%80%94_Buying_Insurance_Only_Benefits_Agents\"><\/span><strong>Myth 5 \u2014 Buying Insurance Only Benefits Agents<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It\u2019s true that agents earn commissions for their work, but <strong>policyholders benefit too<\/strong>. Insurance exists to protect you financially when life throws the unexpected at you \u2014 such as medical bills or loss of income. A good policy helps <em>you<\/em> manage risk, not just the agent.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_6_%E2%80%94_Medical_Insurance_Has_No_Use\"><\/span><strong>Myth 6 \u2014 Medical Insurance Has No Use<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some people think they can rely on government healthcare and skip medical insurance. While public hospitals are affordable, <strong>serious treatments and surgeries can still cost thousands of ringgit<\/strong>, particularly in private facilities. A medical card can help you access a wider network of hospitals and avoid large out\u2011of\u2011pocket bills.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Myth_7_%E2%80%94_It%E2%80%99s_Hard_to_Make_Insurance_Claims\"><\/span><strong>Myth 7 \u2014 It\u2019s Hard to Make Insurance Claims<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It <em>can<\/em> feel intimidating, but making claims isn\u2019t usually complicated. Every insurer has a clear process, and most allow claims in a few steps once you provide the required documentation. If you\u2019re ever unsure, your insurer or agent can assist you through the claims process.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Final_Thoughts_%E2%80%94_Don%E2%80%99t_Let_Myths_Mislead_You\"><\/span><strong>Final Thoughts \u2014 Don\u2019t Let Myths Mislead You<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Misinformation about insurance can keep people from getting the protection they need. Instead of relying on hearsay, get your facts from reliable sources \u2014 and if you\u2019re ever unsure, check with BJAK\u2019s insurance experts. Good information leads to better choices that protect your health and finances.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-neve-link-color-background-color has-background\" href=\"https:\/\/bjak.my\/ms\/life?utm_source=blog&amp;utm_medium=&amp;utm_campaign=7-insurance-myths-you-shouldnt-believe\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Internet is a great place to learn about insurance. But take every piece of information with a pinch of salt. Beware of these insurance myths.<\/p>\n","protected":false},"author":5,"featured_media":3196,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[359],"tags":[59,88,203],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Insurance Myths You Shouldn&#039;t Believe | BJAK<\/title>\n<meta name=\"description\" content=\"The Internet is a great place to learn about insurance. But take every information with a pinch of salt. Beware of these insurance myths.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/7-insurance-myths-you-shouldnt-believe\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 Insurance Myths You Shouldn&#039;t Believe | BJAK\" \/>\n<meta property=\"og:description\" content=\"The Internet is a great place to learn about insurance. But take every information with a pinch of salt. 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