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: RM60,000 36 Critical Illness: RM100,000 Auto save when 36 Critical Illness happen Medical Card: R&B200 / Annual Limit: 100,000 / Lifetime Limit: 1,000,000 (no co-insurance for in-hospitalisation and Outpatient Kidney Dialysis & Cancer Treatment) For the my own services, I can guarante ... ...