{"id":511,"date":"2021-08-16T15:55:02","date_gmt":"2021-08-16T07:55:02","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=511"},"modified":"2026-02-19T15:08:15","modified_gmt":"2026-02-19T07:08:15","slug":"im-insured-by-my-employer-do-i-still-need-personal-medical-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-insured-by-my-employer-do-i-still-need-personal-medical-insurance","title":{"rendered":"&#8216;I&#8217;m insured by my employer. Do I still need personal medical insurance?&#8217;"},"content":{"rendered":"\n<p>If you have a job that takes care of your medical needs, consider yourself lucky as medical costs are only getting more expensive and unaffordable by the day! Despite having employee medical insurance, do you still need personal medical insurance?<\/p>\n\n\n\n<p>Just recently, an RM346K hospital bill of a Covid-19 patient admitted to ICU for 46 days made rounds on social media, shocking netizens with some saying that they could get a house with that amount!<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"2074\" data-permalink=\"https:\/\/bjak.my\/blog\/e8r5citvgailcd5\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/e8r5citvgailcd5.png?fit=768%2C821&amp;ssl=1\" data-orig-size=\"768,821\" 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=\"e8r5citvgailcd5\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/e8r5citvgailcd5.png?fit=281%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/e8r5citvgailcd5.png?fit=768%2C821&amp;ssl=1\" loading=\"lazy\" width=\"768\" height=\"821\" src=\"https:\/\/bjakmy.files.wordpress.com\/2021\/08\/e8r5citvgailcd5.png?w=768&#038;resize=768%2C821\" alt=\"Personal medical insurance bill\" class=\"wp-image-2074\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/e8r5citvgailcd5.png?w=768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/e8r5citvgailcd5.png?resize=281%2C300&amp;ssl=1 281w\" sizes=\"(max-width: 768px) 100vw, 768px\" data-recalc-dims=\"1\" \/><figcaption>Image credit: Luthfi \/ Twitter<\/figcaption><\/figure>\n\n\n\n<p>But since you\u2019re already covered by your employer, there\u2019s really no need to worry. Right?<\/p>\n\n\n\n<p><em>Not really<\/em>.&nbsp;<\/p>\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-69d72610701a4\" 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-69d72610701a4\"><\/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\/im-insured-by-my-employer-do-i-still-need-personal-medical-insurance\/#Here_are_3_reasons_why_you_still_need_personal_medical_insurance\" title=\"Here are 3 reasons why you still need personal medical insurance:\">Here are 3 reasons why you still need personal medical insurance:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-insured-by-my-employer-do-i-still-need-personal-medical-insurance\/#1_You_may_not_stay_with_your_company_forever\" title=\"1. You may not stay with your company forever\">1. You may not stay with your company forever<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-insured-by-my-employer-do-i-still-need-personal-medical-insurance\/#2_Your_group_medical_insurance_may_not_be_sufficient\" title=\"2. Your group medical insurance may not be sufficient\">2. Your group medical insurance may not be sufficient<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-insured-by-my-employer-do-i-still-need-personal-medical-insurance\/#3_Bonus_You_can_enjoy_RM3000_of_income_tax_relief\" title=\"3. (Bonus!) You can enjoy RM3,000 of income tax relief\">3. (Bonus!) You can enjoy RM3,000 of income tax relief<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Here_are_3_reasons_why_you_still_need_personal_medical_insurance\"><\/span>Here are 3 reasons why you still need personal medical insurance:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_You_may_not_stay_with_your_company_forever\"><\/span><strong>1. You may not stay with your company forever<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You\u2019re only covered for as long as you\u2019re with your company. That said, as soon as you leave the company for good, <em>poof<\/em> &#8211; there goes the benefit!<\/p>\n\n\n\n<p>Even if your company is your ride-or-die, and you pledge to stay with it forever, sorry to break this to you, but there\u2019s no obligation on their side to keep you forever.&nbsp;So what would be your Plan B?<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Your_group_medical_insurance_may_not_be_sufficient\"><\/span><strong>2. Your group medical insurance may not be sufficient<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"39327\" data-permalink=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-insured-by-my-employer-do-i-still-need-personal-medical-insurance\/attachment\/medical-insurance\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Medical-insurance.jpg?fit=1200%2C630&amp;ssl=1\" data-orig-size=\"1200,630\" 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=\"Medical-insurance\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Medical-insurance.jpg?fit=300%2C158&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Medical-insurance.jpg?fit=1080%2C567&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"567\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Medical-insurance.jpg?resize=1080%2C567&#038;ssl=1\" alt=\"Personal medical insurance\" class=\"wp-image-39327\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Medical-insurance.jpg?resize=1080%2C567&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Medical-insurance.jpg?resize=300%2C158&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Medical-insurance.jpg?resize=768%2C403&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/06\/Medical-insurance.jpg?w=1200&amp;ssl=1 1200w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Compared to personal plans, group medical insurance plans usually have a lower annual limit i.e. the maximum amount that insurance will cover in a year. This means that group medical insurance coverage amount is usually lower, and therefore may not be sufficient to totally cover your medical bills. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><em>Scenario: You\u2019re admitted to a hospital for a minor knee surgery. When the hospital bill totalling RM20,000 gets to your hand, you\u2019re stunned by the amount but relieved that you\u2019re covered under group medical insurance. But little did you realize that your group medical insurance annual limit is only RM10,000!<\/em> <\/p><\/blockquote>\n\n\n\n<p>If the above were to happen to you (touch wood!), what would be your plan? <\/p>\n\n\n\n<p>In that unfortunate case, you may have to pay the bills out of your own pocket.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Bonus_You_can_enjoy_RM3000_of_income_tax_relief\"><\/span><strong>3. (Bonus!) You can enjoy RM3,000 of income tax relief<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you&#8217;re earning an annual income of RM34,000 a year or roughly RM2,833.33 a month (after EPF deductions), it&#8217;s mandatory for you to file income tax. <\/p>\n\n\n\n<p>Since you&#8217;re gonna have to pay taxes anyway, getting medical insurance will just mean that the money that&#8217;s supposed to just go into the taxes will be &#8216;reinvested&#8217; into protection for yourself. So it&#8217;s a win-win!<\/p>\n\n\n\n<p><strong data-l-s=\"98597\">To get or not to get personal medical insurance<\/strong><strong>?<\/strong><\/p>\n\n\n\n<p>There are so many reasons why you should get personal medical insurance. And because of these reasons, you\u2019ve probably been approached by insurance agents a million times to get one for yourself.&nbsp;<\/p>\n\n\n\n<p>Whatever the case, please ensure that you make informed decisions before buying considering medical insurance.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison sites, with more than 10 insurance brands to choose from. Get your <a href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=\" target=\"_blank\" rel=\"noreferrer noopener\">free insurance quote<\/a> at Bjak today!<\/em><\/em><\/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=im-insured-by-my-employer-do-i-still-need-personal-medical-insurance\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may already have employee medical insurance that provides coverage. But here&#8217;s why you still need personal medical insurance.<\/p>\n","protected":false},"author":5,"featured_media":1229,"comment_status":"open","ping_status":"open","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":[42,59,88,143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I Still Need Personal Medical Insurance If I&#039;m Insured By My Employer?<\/title>\n<meta name=\"description\" content=\"You may already have employee medical insurance that provides coverage. 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