StratosnowConsultancy
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Medical, life & income

Separate medical costsfrom income protection.

Review the terms that govern treatment costs and the commitments that continue when income is interrupted.

Further reading: WTW, “Malaysia’s Base MHIT Plan” (2026).

Start Protection Snapshot ↗Explore the questions ↓
NHN / Unsplash · Iskandar Puteri, Malaysia
Two different questions
01 / Medical costs

What could treatment cost?

A medical card may pay eligible treatment costs according to its contract. Check the terms before relying on a headline benefit.

  • Annual and lifetime limits

    Confirm the benefit caps and when they apply.

  • Room and board

    Check the eligible room rate and what happens if you choose a higher one.

  • Co-payments and deductibles

    Understand the portion of a bill you may bear yourself.

  • Exclusions and waiting periods

    Read what is excluded, including how pre-existing conditions and waiting periods are treated.

02 / Income continuity

What carries on if work stops?

Hospital benefits and income replacement answer different needs. Consider the financial commitments that continue if you cannot work.

  • Critical illness cover

    Check which diagnoses qualify for a lump-sum benefit and the conditions attached.

  • Income protection

    Understand whether benefits apply if illness or injury prevents you from working.

  • Employer cover

    Confirm when group benefits end, including after a job change.

  • Policy nominations

    Check that nominations reflect your current family situation.

Illustrative example only — not a real client or a guarantee: a policyholder may discover their medical card’s annual limit during treatment. A policy review helps clarify those terms ahead of time.

Questions to check
What is the difference between a medical card and critical illness insurance?

A medical card may pay eligible bills under its terms. Critical illness cover may pay a lump sum if a listed diagnosis qualifies. Check your own policy contract.

How much life insurance do I need?

It depends on your liabilities, dependants and income. Test any rule of thumb against your circumstances.

Does employer group insurance continue if I resign?

It typically ends with employment; confirm the terms in your plan and consider your needs in advance.

What do co-payment and deductible mean?

They describe costs you may bear, such as a fixed threshold or a percentage of the bill. Check your policy schedule.

Start with the questions that matter to you.

Five short questions. No score. No automated adequacy judgement.

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General educational information only — not financial, legal or medical advice. Policy terms vary by provider and contract; confirm your own circumstances with relevant documents and a qualified professional.