This might be unpopular opinion, but for me, a generally healthy person in the 30s with minimum wage salary and saving below RM50k, MC and CI insurance is really out of my budget even they offer a really good budget one like Kaotim. The only insurance I currently have is standalone life insurance, work insurance and thats it.
Im trying to save 50% of my salary, but with life happen that depleted more of my saving than i can afford, insurance, beside life insurance, is really like a luxury i cant afford for now.
That being said, I already saw first hand how medical card really can back you up in case of unexpected emergency to my family member who suddenly need surgery for slip disk hernia. Im really torn.
Should I apply for medical card or just save aggressively then go to government hospital?
Need advise from reddit lurkers.