Insure With Winston

13/02/2022

How are you showing your love this Valentine’s?

30/10/2021

Good to know

Medical and Term Life insurance are slowly catching on with Malaysians but some still heavily rely on employer provided insurance. Will it be enough in times of health and financial crises?

12/09/2021

Know when and how to use the RTK for self assessment at home. Stay safe everyone.

28/08/2021

If you have not been vaccinated, please do so. If you have already done so, please continue to follow recommended SOPs.

20/05/2021

This is very useful info in a time of MCO/CMCO for those who wish to get a credit report for themselves. It is always good to check where we stand so that we can improve our credit rating.

Like this info? and this page for more content.

15/05/2021

I saw this headline few days ago and it caught my eye. A headline like this is reason why CRITICAL ILLNESS cover is very important.

Dignity in the event of Disability. The payout can be used to engage professional caregivers to take care of us, without being a burden, while we focus on recuperating. Not sure if you have enough? PM me and

We wish speedy recovery to our former national athlete.

He went from being at the peak of fitness as a national athlete to being bedbound and dependent on others to care for him.

13/05/2021

Wishing all Muslim friends and clients a Happy and Blessed Eid. Maaf zahir dan batin, 0-0. Hope you guys have been enjoying the rendangs and ketupats...but don’t forget to adhere to SOPs. Keep your family safe by being safe. By the way, this photo was 15 years back! But apt for today, don’t you think?

11/05/2021

A few days ago, I wrote about the differences between medical cover and critical illness cover, and how both are important and serve a different purpose. Go to my page and check it out if you have not read it. Like and follow my page so you don’t miss out anymore.

Today, I’m sharing with you info from https://www.prudential.com.my/en/we-do-pulse/all-stories/4-considerations-when-buying-a-critical-illness-plan/ explaining what are the things you need to consider when getting a critical illness cover. With so many different types out there, it can really get confusing. Here I summarize the key points. Click the link for more detailed explanation.

1) KNOW HOW MUCH IS ENOUGH - this is dependent on your monthly expenses. 60 months (or 5 years) is recommended. Averagely, this is usually the time required for someone to recuperate from a critical illness.

2) TYPE OF PLAN TO CHOOSE - regardless of which company, you can choose between Early stage plans (pays out regardless of illness staging), Basic plans (only pays out when illness is severe / late stage), Multi-pay plans (multiple payouts upon diagnosis, important for relapse) or Single-pay plans (lump sum payment upon diagnosis and plan ends there and then).

3) FAMILY HISTORY - if there is high incidence in family, then a multi-pay plan may be considered.

4) UNDERSTAND WAITING PERIOD / SURVIVAL PERIOD - check how long is the waiting period (the grace period before the plan comes into effect) and if there is a Survival period (how long one must survive after diagnosis to be able to claim)

I’ll be sharing info about waiting period in the coming post. Pls like the page and follow so you don’t miss it and stay updated!

For basic hospital bills, your insurance policy has you covered. But if hit by a life-threatening illness, a critical illness plan is best.

09/05/2021

Before the day is over, just wanted to recognise all the mothers out there, you rock! May all the love, care and attention you receive today be felt every day of your life. There's no love like a mother's love. Cheers to all moms out there!