I am a Financial Planner from VKA WEALTH PLANNERS (www.vka.com.my) For your insurance planning, I encourage you to buy Allianz which offer you the CHEAPEST premium and HIGHEST protection. LIFE: RM30,000 36 Critical Illness: RM50,000 Auto save when 36 Critical Illness happen Medical Card: R&B100 / Annual Limit: 65,000 / Lifetime Limit: 650,000 (no co-insurance for in-hospitalisation and Outpatient Kidney Dialysis & Cancer Treatment) For the my own services, I can guaranteed t ... ...