CRITICAL ILLNESS · CYBERJAYA
Critical illness insurance for working parents
If you're diagnosed with a serious illness, the hospital bill is only part of it. Critical illness coverage usually pays you a lump sum when you're diagnosed with an illness the policy covers, so the home loan, the bills and the kids' routine can keep going while you recover.
- Registered Life Insurance Agent, LIAM PP06/00685393
- You chat with Jonathan directly, based in Cyberjaya
Get your critical illness quote
Three taps, then your answers open in WhatsApp so you can check them before sending.
Common questions
How much critical illness coverage do I need?
There's no single number. Start with how long your household would need to run without your salary, add loan commitments, and take away what you already have. Send me your situation and we'll work it out together.
Is critical illness insurance the same as a medical card?
No. A medical card is built to pay hospital bills. Critical illness coverage usually pays you a lump sum when you're diagnosed with an illness the policy covers, and you decide how to use it.
Can I buy it without a medical card?
Yes. Critical illness coverage can be bought as a standalone policy. Hospital bills would then come from your savings or employer coverage.
Will a claim reduce my life insurance?
Only if it's a rider that pays out of your life insurance coverage. Riders that pay on top, and standalone policies, leave your life insurance as it is. Your policy terms decide.
How much does it cost?
It depends on age, health, gender, smoker status, occupation class, the amount and the plan. Tell me your situation and I'll send indicative premiums. They stay indicative until underwriting is done.
What if I have a health condition?
Tell me up front. You need to disclose it fully on the proposal form, and the insurer's underwriting decides whether to accept the application and on what terms.
Want to know what you'd get if you were diagnosed?
Message me on WhatsApp. If you have a policy or employer coverage summary, send it and we can check it together.
Get a critical illness quoteFigures shared on WhatsApp are indicative starting points only. Actual premiums and coverage depend on age, health, gender, smoker status, occupation class, and underwriting assessment. This page is for general information and does not constitute financial advice. Benefits, limits and exclusions depend on each policy's terms and the insurer's underwriting. Read the Product Disclosure Sheet and policy contract before deciding. Images are AI-generated.