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The Importance of Preventing Critical Illness Today!

Preventing critical illness is essential for sustaining long-term health and securing a better quality of life. Implementing simple lifestyle changes can lower the risk of complex diseases. Having an appropriate healthcare plan can help you manage future challenges and minimise costs.

What is Critical Illness and who it affects

Critical Illness refers to a serious health condition with long term effects that require immediate medical attention. Did you know? In Malaysia critical illnesses like heart disease, cancer and stroke affect 1 in 4 individuals regardless of age1.

1 dosm.gov.my
Incidence of Critical Illness1
Heart Disease
(16.1%)
Lung Disease
(13.3%)
Stroke
(7.2%)
Kidney Failure
(3.95%)
Breast Cancer
(1.5%)
The long-term impact of Critical Illness

Critical illness can lead to significant long-term financial and emotional impact. For instance, in Malaysia, cancer treatment costs increase annually by 10-15%3. This rise impacts not only medical bills but also essential post-hospitalisation needs, such as acquiring a wheelchair or hiring a caregiver. Additionally, job loss can affect an individual’s ability to support themselves and their family, causing further stress.

3 The Global Medical Trend Rates Malaysia Report 2022
Breast
Cancer
Average cost up to RM395k4
Caregiver
Cost
RM30-RM50 per hour5
Lung
Cancer
Average RM56k and above4
4 Kementerian Kesihatan Malaysia 5 homage.com.my
The Importance of Critical Illness Insurance

Early diagnosis and effective treatment are crucial, but the financial strain can be overwhelming. Managing these illnesses can be financially draining, making critical illness insurance vital. This type of insurance provides crucial financial support, covering medical bills and other related expenses, so individuals can concentrate on their recovery without financial anxiety.

Safeguard yourself against Critical Illness today!
Be ahead of life’s uncertainties and secure your future with our Critical Illness insurance coverage by attaching our specialised rider products.
Critical illnessProtect

Your health and your future are priceless, and Critical illnessProtect ensures that both are secured.

Learn More
I-Linked LadyCare

A unit deducting rider designed for females, that provides coverage for female illnesses.

Secure Critical Illness Waiver

A unit deducting critical illness rider that waives the future premiums of basic policy upon diagnosis of 36 critical illnesses of the Life Assured.

I-Linked Payer Benefit

A unit deducting rider that waives the future premiums of basic policy upon death or Total and Permanent Disability (TPD) (prior to age 60) or diagnosis of 36 critical illnesses of the payer.

MyEarly CriticalAid

A unit deducting critical illness rider which can be attached to a regular premium investment-linked basic product offered by MCIS Insurance Berhad (MCIS Life).

Safeguard your health against critical illness with our extensive coverage options. By choosing M-Fortune Link or PeopleLink, you can select from a range of specialised riders tailored to meet your specific needs, ensuring comprehensive protection for your future.

Maximize Your Growth Potential with Our New Investment-Linked Plan: Tailored for Your Financial Future!
M-Fortune Link

M-Fortune Link is a regular premium Investment-Linked Insurance Plan (ILP) designed to provide protection and security for both you and your loved ones in the future. This plan is customised to align with your age and lifestyle, and it provides a range of optional riders to enhance your overall protection and security.​

Moreover, M-Fortune Link offers affordable protection and investment opportunities that secures a brighter tomorrow with personalised plans to suit your age and lifestyle.​

Choosing M-Fortune Link assures you of comprehensive protection, safeguarding your financial future and granting you peace of mind as you look forward to a more secure tomorrow.

PeopleLink

As much as you want to always stay healthy and be there for your loved ones, deep down you know that life is unpredictable. Stay prepared for any uncertainties that life may bring you by getting PeopleLink. ​

PeopleLink is an affordable regular premium non-participating plan that offers Death or Total and Permanent Disability (TPD) coverage to help your loved ones cope financially if anything should happen to you. ​

In the event of accidental death, rest assured that they will receive 200% of the basic sum assured to cushion the financial shock. Furthermore, this plan allows you to attach riders for added peace of mind

M-Fortune Link

PrimeLink is an investment-linked life insurance plan which covers death (with double payout upon accidental death) as well as Total and Permanent Disability (TPD) (coverage up to RM8 million). PrimeLink also gives you the option to grow your wealth by investing in 8 attractive investment-linked funds, and also pays you a maturity benefit at the end of your policy term.​

Prime Link allows you to conduct minimum partial withdrawals of RM250, as long as you maintain RM2,000 in your fund balance. You can even add on Riders (additional coverage), or increase your Sum Assured benefit over time, to truly max out your coverage.

PrimeLink is ideal for individuals looking to provide comprehensive coverage for their loved ones while having the ability to grow their wealth, as well as wanting the flexibility to customise their coverage with some of the best optional benefits a life insurance plan can offer.

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