Getting a comprehensive car insurance policy that entails almost every aspect of risks that could occur might sound like an ideal thing to have. Therefore, in order to protect the loss of liability of the insured as the car owner, or the authorized driver against the passengers, Legal Liability to Passenger coverage is the right choice. Should You Get Legal Liability to Passengers (LLP) Insurance Coverage? Legal Liability to Passengers or also known as LLP is a car insurance policy that offers coverage to you as the car owner. It applies in cases of bodily injury or death of your car passenger ..read more

When it’s time to renew your car insurance, you need to know and decide on the sum insured for your car. Should you go with market value or the agreed value for the sum insured? But before that, you need to know that the sum insured provides adequate protection in case of total loss and damage. In this article, we will provide an explanation on the sum insured meaning. Car Sum Insured: Market Value vs Agreed Value The sum insured refers to the amount of insurance coverage for your car, representing the maximum claimable amount from your insurance company. It’s important for the sum insured to ..read more

Comprehensive car insurance ensures that your car will be covered against damages if it gets into an accident. However, you can also include other additional coverages such as damages due to natural disasters or also known as special perils, and windshield protection. But have you heard about waiver of betterment coverage? Is it important? Betterment and Waiver of Betterment Explained Here are some ins and outs of betterment waiving coverage if you are contemplating including this protection to your car insurance plan. What Is Betterment in Car Insurance? In an auto insurance plan, betterment ..read more

You are in your adulthood era and contemplating between term life insurance or whole life insurance. Don’t worry, in this article, we will explain to you in simpler terms what term life insurance is and whether you should get it. What is Term Life Insurance? Term life is a type of life insurance that you can get that offers a lump sum payout in the event of death or total permanent disability. However, term life insurance will only cover your death and total permanent disability if such an event occurred during the period of coverage. This life insurance only covers a specific period depending ..read more

In a surprising revelation by the Life Insurance Association of Malaysia (LIAM), it has been unveiled that over half of our nation’s population is without life insurance coverage. This statistic is reflected in Malaysia’s stagnant life insurance penetration rate, persistently hovering around 54 percent for the past five years. Everything You Need to Know About Life Insurance Malaysia Getting your first life insurance plan might seem overwhelming. You have to think about costs, what it covers, who it benefits, and more. Many people delay getting life insurance because it seems complicated, but ..read more

Life is full of uncertainties, and taking steps to protect your loved ones is a crucial part of planning for the future. Best life insurance is like a safety net that ensures your family’s financial well-being if something unexpected happens to you. You aim to provide sufficient funds for your family or loved ones, ensuring they are not weighed down by financial burdens. What Should I Look for in Choosing the Best Life Insurance? Securing life insurance is crucial to ensure the safety and well-being of you and your loved ones. You aim to have the best life insurance policy that can provide for ..read more

Are you curious about getting medical insurance for yourself? Well, there are two types of medical insurance you can get in Malaysia; standalone medical card vs medical rider. In this article, we will share with you what is the difference between a standalone medical card and a medical rider. What You Need to Know About Standalone vs Medical Rider A medical card helps the insured cover hospitalizations and surgical treatments at a panel hospital. The coverage provided by your medical card is subject to specified annual and lifetime limits. The two most common medical cards available in Malaysi ..read more

Betterment insurance, also known as betterment clause or betterment coverage covers the costs of replacing or repairing old or worn-out parts with new ones when you make a claim. It’s the bridge that covers the gap between old and new, offering financial support in ensuring your assets are restored to their optimal state. Understanding Betterment Insurance: What It Means, How It Works? Betterment refers to a specific provision in car insurance policies in Malaysia. It is a concept that every policyholder should be aware of, as it can have a significant impact on your out-of-pocket expenses whe ..read more

Have you ever found yourself contemplating the choice between seeking treatment at a government hospital or a private hospital following an accident? If you lean towards a private hospital, the question then becomes how to select the most suitable one from the numerous options available. And do you know what hospital can count as the best private hospitals in Malaysia? The Features Of The Best Private Hospitals in Malaysia The characteristics of the best private hospitals in Malaysia frequently include a variety of elements that support their standing as providers of top-notch medical care. Th ..read more

In Malaysia, the Social Security Organization (SOCSO), or also known as Pertubuhan Keselamatan Sosial (PERKESO) plays a crucial role in providing financial assistance and social security protection to employees. One of the essential benefits offered by SOCSO is the opportunity to do SOCSO claim for critical illness. How To Submit A SOCSO Claim for Critical Illness in Malaysia? Critical illnesses are severe health conditions that can significantly impact a person’s life, both physically and financially. These illnesses often require expensive medical treatments, which can create a substantial f ..read more