INCOME & RECOVERY
Your Medical Card Pays the Hospital. Who Pays for Your Daily Life?
When ill, you may need time away from work. But bills, home repayments and family expenses continue.
Focus on getting well. Life goes on.
“Living Hibah” — cash benefits while you are alive, when the diagnosis meets the covered critical illness conditions. Help support daily life so you can focus on getting well.
Living expenses
Food, bills and family needs.
Financial commitments
Home, car and financing repayments.
Time for your health
Additional care, transport and needs during illness.
“Living Hibah” describes critical illness cash support, not a product name or hibah nomination. Payment follows benefit conditions.
If you need time off work, how much money would you need?
Start with your circumstances. Change the figures to see an estimate.
Calculation & assumptions
The duration is a planning choice, not a recovery forecast. Additional care costs and existing protection should be assessed separately.
What should you understand?
Covered illnesses & stages
The illness name alone is not enough. Check definitions, severity, waiting periods and survival conditions where applicable.
Cash benefit or contribution waiver?
A CI plan can provide cash; a waiver rider may waive specified contributions. They are different benefits.
How long would you need income replacement?
Consider monthly commitments, dependants and the recovery period you want to prepare for. Every family has different needs.
Claim limits & coverage period
Some plans end after full benefit payment. Check claim limits, expiry age and product terms before choosing.
Start with your circumstances.
Share your plans and budget. We will help review what is already available and what still needs to be built.
Start assessmentPrepare cash support for illness.
Plan while healthy. Be better prepared for illness.
Already have a medical card? We help review your cash benefit needs and options within your budget.
Chat on WhatsAppOnline or in-person consultations in Kuala Lumpur & Selangor, by appointment.