Risk Management Through Insurance
By Ellen Tan

Investment-linked Insurance
Investment-linked insurance is a regular premium whole life plan that combines with unitised investment-linked funds. Its greatest benefit is the flexibility it provides. You can adjust the protection and investment ratio to suit your needs. You can vary the amount of insurance protection, top-up your investment, or make withdrawals. Essentially, you can adjust the plan to suit the financial changes during the various stages of your life.

Medical costs
The table below gives you an idea of how much medical costs can amount to.

Coronary heart bypass RM20,000 – RM30,000 per surgery
Cancer RM3,000 – RM140,000 for treatment
Chemotherapy RM200-RM1,000 per therapy
Radiotherapy RM200-RM1,000 per therapy
Open heart surgery RM20,000- RM50,000 per surgery
Heart transplant RM50,000-RM80,000 per surgery
Kidney failure RM2,000 per month for dialysis for life.

 
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Ms. Ellen Tan is an Agency Manager with Prudential Assurance Malaysia Bhd