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The Importance of Preventing Critical Illness Today!

Preventing critical illness is essential for sustaining long-term health and securing a better quality of life. Implementing simple lifestyle changes can lower the risk of complex diseases. Having an appropriate healthcare plan can help you manage future challenges and minimize costs.

What is Critical Illness and who it affects

Critical Illness refers to a serious health condition with long term effects that require immediate medical attention. Did you know? In Malaysia critical illnesses like heart disease, cancer and stroke affect 1 in 4 individuals regardless of age1.

1 dosm.gov.my
Incidence of Critical Illness1
Heart Disease
(16.1%)
Lung Disease
(13.3%)
Stroke
(7.2%)
Kidney Failure
(3.95%)
Breast Cancer
(1.5%)
The long-term impact of Critical Illness

Critical illness can lead to significant long-term financial and emotional impact. For instance, in Malaysia, cancer treatment costs increase annually by 10-15%3. This rise impacts not only medical bills but also essential post-hospitalisation needs, such as acquiring a wheelchair or hiring a caregiver. Additionally, job loss can affect an individual’s ability to support themselves and their family, causing further stress.

3 The Global Medical Trend Rates Malaysia Report 2022
Breast
Cancer
Average cost up to RM395k4
Caregiver
Cost
RM30-RM50 per hour5
Lung
Cancer
Average RM56k and above4
4 Kementerian Kesihatan Malaysia 5 homage.com.my
The Importance of Critical Illness Insurance

Early diagnosis and effective treatment are crucial, but the financial strain can be overwhelming. Managing these illnesses can be financially draining, making critical illness insurance vital. This type of insurance provides crucial financial support, covering medical bills and other related expenses, so individuals can concentrate on their recovery without financial anxiety.

Safeguard yourself against Critical Illness today!
Be ahead of life’s uncertainties and secure your future with our Critical Illness insurance coverage by attaching our specialised rider products.
I-Linked LadyCare
Rider 2

A unit deducting rider designed for females, that provides coverage for female illnesses.

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I-Linked Accelerating DD
Rider 2

A unit deducting critical illness rider that accelerates the benefit under the basic policy.

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Secure Critical Illness Waiver Rider 2

A unit deducting critical illness rider that waives the future premiums of basic policy upon diagnosis of 36 critical illnesses of the Life Assured.

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I-Linked Payer Benefit
Rider 2

A unit deducting rider that waives the future premiums of basic policy upon death or Total and Permanent Disability (TPD) (prior to age 60) or diagnosis of 36 critical illnesses of the payer.

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MyEarly CriticalAid
Rider 2

A unit deducting critical illness rider which can be attached to a regular premium investment-linked basic product offered by MCIS Insurance Berhad (MCIS Life).

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Safeguard your health against critical illnesses with our extensive coverage options. By choosing M-Fortune Link or People Link, you can select from a range of specialised riders tailored to meet your specific needs, ensuring comprehensive protection for your future.
Maximize Your Growth Potential with Our New Investment-Linked Plan: Tailored for Your Financial Future!
M-Fortune Link

M-Fortune Link is a regular premium Investment-Linked Insurance Plan (ILP) designed to provide protection and security for both you and your loved ones in the future. This plan is customised to align with your age and lifestyle, and it provides a range of optional riders to enhance your overall protection and security.​

Moreover, M-Fortune Link offers affordable protection and investment opportunities that secures a brighter tomorrow with personalised plans to suit your age and lifestyle.​

Choosing M-Fortune Link assures you of comprehensive protection, safeguarding your financial future and granting you peace of mind as you look forward to a more secure tomorrow.

People Link

As much as you want to always stay healthy and be there for your loved ones, deep down you know that life is unpredictable. Stay prepared for any uncertainties that life may bring you by getting PeopleLink. ​

PeopleLink is an affordable regular premium non-participating plan that offers Death or Total and Permanent Disability (TPD) coverage to help your loved ones cope financially if anything should happen to you. ​

In the event of accidental death, rest assured that they will receive 200% of the basic sum assured to cushion the financial shock. Furthermore, this plan allows you to attach riders for added peace of mind

Secure Your Health & Finance

Register your interest now!

Select your preferred Investment-Linked plan:
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M-Fortune Link and People Link Campaign (Increased Non-Medical Limit) Terms & Conditions:

 

  1. Applicants between the ages of 18 and 60 next birthday, who are in good health will qualify for a total sum assured of up to RM1.5 million within the policy.
  2. This promotion is subject to availability and is valid from 2 July 2024 - 30 September 2024.
  3. This promotion is applicable for purchase (or increased Sum Assured) of M-Fortune Link & PeopleLink products only. These may include the specified critical illness riders: I-Linked LadyCare Rider 2, I-Linked Accelerating DD Rider 2, Secure Critical Illness Waiver Rider 2, I-Linked Payer Benefit Rider 2 and MyEarly CriticalAid Rider 2.
  4. Life Assured/Policy Owner with basic plan and/or rider(s) with loading history, declined history, postponed history, exclusion history and claim history (including any pending, rejected and proposed claims) will not be eligible for this promotion.
  5. MCIS Life reserves the right to request medical evidence from existing life assured/policy owners of any age if the disclosure from the proposal form indicates medical conditions.
  6. Financial underwriting is applicable as per existing requirement.
  7. This promotion is not applicable to policies with any medical riders attached.
  8. MCIS Life reserves the right to reject the application at any time and refund the premium paid, without interest.
  • Connect with us

MCIS Insurance Berhad 199701019821 (435318-U)

Wisma MCIS, Jalan Barat,
46200 Petaling Jaya,
Selangor Darul Ehsan
T +603-7652 3388
F +603-7957 1562
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