Find the level of protection that suits you
When your protection is clearly laid out, choosing an insurance package becomes easier. This proposal compares three monthly budget options covering essential protection. Related coverage may continue to age 100, while the budget options provide protection up to age 60, subject to policy terms.
Package A — RM200 per month
Suitable for someone with a limited budget who wants to establish basic protection:
- Life coverage: RM20,000
- Medical card: RM3,000,000 annual limit
- Guaranteed renewal up to age 100
- Future premiums waived when a covered event occurs
Package B — RM250 per month
Adds critical illness and personal accident protection to the basic coverage:
- Life coverage: RM20,000
- Medical card: RM3,000,000 annual limit
- Guaranteed renewal up to age 100
- Future premiums waived when a covered event occurs
- 36 critical illnesses: RM100,000
- Personal accident: RM100,000
Package C — RM300 per month
Provides the highest additional protection among the three options:
- Life coverage: RM20,000
- Medical card: RM3,000,000 annual limit
- Guaranteed renewal up to age 100
- Future premiums waived when a covered event occurs
- 36 critical illnesses: RM250,000
- Personal accident: RM250,000
Important co-insurance note
All three packages include 15% co-insurance, capped at RM2,500 per policy year.
Which package is right for you?
Package A focuses on basic life and medical protection. Package B adds practical critical illness and personal accident coverage. Package C provides higher amounts for both additional protections. Your choice should reflect your budget, existing coverage, income commitments and family responsibilities.
Before making a decision, speak with a licensed adviser to understand the full policy terms, exclusions and whether the package suits your actual needs.
Disclaimer
This article is for educational purposes only and does not constitute financial or insurance advice. Coverage terms are subject to the policy contract. Contact Faith for personalised advice.