25/07/2026
LINDUNG 24JAM: Should you stay in or opt out? 🧠
Before making any rushed decisions, let’s break down what it actually is (and what it ISN'T).
Think of it as income protection for non-work accidents. It’s NOT a replacement for your medical card or salary, but it offers a basic safety net!
What it DOES NOT cover:
❌ Overseas accidents (Malaysia only)
❌ Illnesses (Cancer, Diabetes, High Blood Pressure, etc.)
❌ Coverage after you resign or retire
Keep it if:
✅ You earn under RM6,000
✅ You don't have a Personal Accident (PA) plan yet
✅ You ride a motorcycle, play sports, or exercise often
⚠️ Opt Out ONLY if:
-You already have strong, comprehensive PA & income protection
-You travel overseas frequently
-You are paying for extra coverage you truly don't need
Swipe through the infographic above to see the breakdown and cost breakdown per income tier! 📊
Got questions about how this fits with your current medical or PA plan? send me a DM! 📩