{"id":1140,"date":"2021-09-24T15:43:19","date_gmt":"2021-09-24T07:43:19","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=1140"},"modified":"2026-02-07T20:36:33","modified_gmt":"2026-02-07T12:36:33","slug":"check-out-these-5-things-before-you-buy-life-and-medical-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/check-out-these-5-things-before-you-buy-life-and-medical-insurance","title":{"rendered":"Check out these 5 things before you buy life and medical insurance"},"content":{"rendered":"\n<p>It may be surprising, but over half of Malaysians still don\u2019t have life insurance. That means many families could face serious financial stress if a breadwinner becomes unable to work or passes away. If you\u2019re thinking about life and medical insurance, you\u2019re already taking an important step toward protecting your future and the future of your loved ones.<\/p>\n\n\n\n<p>Here are <strong>five key things to check<\/strong> before you commit to any life or medical insurance plan:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4450\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\/attachment\/pexels-tran-long-7743505\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-tran-long-7743505.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-tran-long-7743505\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-tran-long-7743505.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-tran-long-7743505.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-tran-long-7743505.jpg?resize=800%2C400&#038;ssl=1\" alt=\"Protect your future and the future of your loved ones with life and medical insurance.\" class=\"wp-image-4450\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-tran-long-7743505.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-tran-long-7743505.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/pexels-tran-long-7743505.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-69e4a10ad9f4e\" 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-69e4a10ad9f4e\"><\/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\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\/#Before_you_buy_life_and_medical_insurance_make_sure_you_check_out_these_5_important_things\" title=\"Before you buy life and medical insurance, make sure you check out these 5 important things.\">Before you buy life and medical insurance, make sure you check out these 5 important things.<\/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\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\/#1_Check_Your_Coverage_Need\" title=\"1. Check Your Coverage Need\">1. Check Your Coverage Need<\/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\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\/#2_Understand_Your_Insurance_Policy\" title=\"2. Understand Your Insurance Policy\">2. Understand Your Insurance Policy<\/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\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\/#3_Know_Your_Budget\" title=\"3. Know Your Budget\">3. Know Your Budget<\/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\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\/#4_Get_Medical_Insurance_That_Isn%E2%80%99t_Limited_to_Certain_Hospitals\" title=\"4. Get Medical Insurance That Isn\u2019t Limited to Certain Hospitals\">4. Get Medical Insurance That Isn\u2019t Limited to Certain Hospitals<\/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\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\/#5_Ensure_No_Cost%E2%80%91Sharing_With_the_Insurer\" title=\"5. Ensure No Cost\u2011Sharing With the Insurer\">5. Ensure No Cost\u2011Sharing With the Insurer<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\/#Final_Tip\" title=\"Final Tip\">Final Tip<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Before_you_buy_life_and_medical_insurance_make_sure_you_check_out_these_5_important_things\"><\/span>Before you buy life and medical insurance, make sure you check out these 5 important things.<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=\"1_Check_Your_Coverage_Need\"><\/span><strong>1. Check Your Coverage Need<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Everyone\u2019s insurance needs are different and depend on life stage, financial obligations, and long\u2011term goals. Before buying life or medical insurance, make sure you understand how much coverage you actually need.For life insurance in particular, a common guideline is to choose a coverage amount <em>about 10 times your annual income<\/em> \u2014 for example, RM600,000 if your annual income is RM60,000. That payout can give your dependents financial breathing room if the unexpected happens.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Understand_Your_Insurance_Policy\"><\/span><strong>2. Understand Your Insurance Policy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurance terms and features can vary widely across plans. It\u2019s important to understand:<\/p>\n\n\n\n<ul><li>What exactly is covered<br><\/li><li>Any waiting periods or exclusions<br><\/li><li>Whether there are extra benefits or rider options<br><\/li><li>Limitations on claims and renewability<br><\/li><\/ul>\n\n\n\n<p>Ask questions if anything is unclear \u2014 never sign a policy you don\u2019t fully understand. What seems like a good deal can turn out to be expensive or limiting if you miss key details.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Know_Your_Budget\"><\/span><strong>3. Know Your Budget<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurance is meant to protect your finances, not strain them. Review your monthly budget and determine how much you can comfortably spend on insurance premiums.As a general rule, your insurance premiums shouldn\u2019t take up <strong>more than about 10% of your take\u2011home income<\/strong> \u2014 but you can adjust this based on your financial goals and obligations. Being honest about your budget helps you choose sustainable and realistic coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Get_Medical_Insurance_That_Isn%E2%80%99t_Limited_to_Certain_Hospitals\"><\/span><strong>4. Get Medical Insurance That Isn\u2019t Limited to Certain Hospitals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some insurance plans restrict coverage to a panel list of hospitals. While that\u2019s fine in many cases, certain procedures \u2014 especially specialised treatments \u2014 may require facilities outside your plan\u2019s panel.Make sure your medical insurance covers <strong>both medical and hospitalisation costs<\/strong> at hospitals you\u2019re likely to use, and check whether cashless treatment is available so you don\u2019t have to pay large bills upfront when you\u2019re admitted.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Ensure_No_Cost%E2%80%91Sharing_With_the_Insurer\"><\/span><strong>5. Ensure No Cost\u2011Sharing With the Insurer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A true medical insurance plan should <strong>significantly reduce your out\u2011of\u2011pocket costs<\/strong> when you fall sick. Some policies include cost\u2011sharing features like co\u2011payments or co\u2011insurance, where you must pay a portion of the bill before the insurer pays the rest.<\/p>\n\n\n\n<p>Before you buy, check whether your plan requires you to share the cost of treatment or hospitalisation \u2014 and if so, how much. Lower or zero cost\u2011sharing means better protection when you really need it.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Final_Tip\"><\/span><strong>Final Tip<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>best insurance plan for you<\/strong> \u2014 whether life, medical, or a combination \u2014 is the one that <em>meets your needs and fits your budget<\/em>. Always ask questions, compare multiple plans, and when in doubt, consult with BJAK\u2019s insurance specialists who can help clarify any confusion before you commit.<\/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=check-out-these-5-things-before-you-buy-life-and-medical-insurance\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life and medical insurance provides health and financial protection for you and your loved ones. These are five things to consider before getting the insurance. <\/p>\n","protected":false},"author":5,"featured_media":325,"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":[42,59,73,88,141],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Check out these 5 things before you buy life and medical insurance | BJAK<\/title>\n<meta name=\"description\" content=\"Life and medical insurance provides health and financial protection. These are five things to consider before getting the insurance.\" \/>\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\/check-out-these-5-things-before-you-buy-life-and-medical-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Check out these 5 things before you buy life and medical insurance | BJAK\" \/>\n<meta property=\"og:description\" content=\"Life and medical insurance provides health and financial protection. 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