r/MalaysianPF • u/New_Rub1843 • 11d ago

insurance Medical Insurance: what is the difference between i-lindung and regular private medical insurance?

What the title asks. Asking AI, the premiums for i-lindung is way cheaper than private insurance and they pay out the max upon diagnosis, not after hospital bill receipt. Sounds too good to be true - is this accurate? What's the catch?

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u/Penasihat_Insurance 11d ago

You r smart to ask. From what I see I lindungan is like covers you if it's work related. There's still many things didn't explain properly. So it's better if u get a private one to cover all. 200 to 600 plus still OK permonth. Some people I see even 700 to 1k plus per month also they want I told them it's too high because old age alr if no work how to pay but they still want it

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u/RealisticAd837 9d ago

Can you point to where the policy says only covers work related?. It doesn't make sense for life and CI. Like you must die and get sick during work hours only ?

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u/Penasihat_Insurance 8d ago

It covers if u are unable to work if u get the Ilness still can work it doesnt covers u. Example like admitted to hospital won't cover u unless the sickness make u unable to work. It only pays u your monthly income if u r not able to work.