Cyberjaya, Selangor · +60 11-5451 6364 · karen.advisory.life@gmail.com
Protection Health Check™ Report ·
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Free Assessment · No Registration · 5 Minutes

Protection Health
Check™

Answer 4 short steps about your existing coverage. We'll score your protection across life, medical, critical illness, personal accident and savings — and show you exactly where the gaps are.

🛡️ Life Insurance
🏥 Medical Card
⚕️ Critical Illness
⚡ Personal Accident
💰 Savings
Start My Check → Why This Matters
The Protection Gap in Malaysia

Most families are under-protected without knowing it

Malaysian insurance penetration remains one of the lowest among developing economies. Most households carry coverage that falls short of international planning benchmarks.

72%
of insured Malaysians are underinsured
Their coverage would not fully replace income or clear debts — leaving families financially exposed.
1 in 3
Malaysians has no medical card
A single private hospital admission averages RM 20,000–100,000. Without coverage, it depletes savings fast.
RM 200K+
average protection gap per household
The difference between what families have and what they actually need to be financially secure.
What We Measure
🛡️
Life Insurance
Benchmark: 10× annual income or total debts, whichever is higher
🏥
Medical Card
Cashless coverage, annual limit, lifetime limit, room & board quality
⚕️
Critical Illness
Benchmark: 5× annual income for income replacement during recovery
⚡
Personal Accident
Benchmark: 3× annual income covering accidental death and disability
💰
Savings & Emergency Fund
Benchmark: 6 months expenses as emergency fund + 10% income invested monthly
Free · Confidential · Takes 5 Minutes

Your Protection Assessment

1. Your Profile 2. Life & CI 3. Medical 4. Savings
1
Your Financial Profile
Income, expenses and outstanding debts
Your take-home or gross monthly income
Total household spending per month
Home loan + car loan + personal loans + credit cards + PTPTN. Enter 0 if none.
2
Life, Critical Illness & Accident
Your existing sum assured across all policies
Add up all life policies. Enter 0 if you have none. Benchmark: 10× annual income or total debts.
CI pays a lump sum on diagnosis of major illness. Benchmark: 5× annual income.
PA covers accidental death and disability. Benchmark: 3× annual income. Enter 0 if none.
3
Medical Card Coverage
Hospitalisation and medical insurance details
4
Savings & Emergency Fund
Liquid savings and monthly investment contributions
Cash, Fixed Deposit, ASB, EPF (accessible portion). Benchmark: 6 months of monthly expenses.
ILP, unit trust, EPF voluntary, ASB. Benchmark: at least 10% of monthly income.
Next Step

Protection sorted — now build your legacy.

Legacy Boost uses investment-linked coverage to simultaneously protect and grow wealth — turning insurance premiums into a lasting asset.

Explore Legacy Boost → Book Free Consultation
Free Policy Review

Debt Gap & Coverage Calculator

Leave behind fond memories, not debt. See in seconds whether your current coverage and savings would be enough to clear your family's obligations today. This tool gives an estimate only — I'll go through the full picture with you in a free review.

💰 Curious what happens after a claim is approved? See how a real payout works →
Estimated Result
Total financial obligations RM 0
Existing coverage + savings RM 0
Coverage Gap RM 0
RM 0
Fill in the form to see your result

This calculation is an estimate for discussion purposes only and does not constitute financial advice.

Discuss My Result With Dr. Karen