It has never been a bad decision to invest in endowment insurance plan Malaysia insurance system is offering, as no one could be sure about the future. Having endowment insurance to back you up in case of emergency could show both long-term and short-term effects. As it could increase your productivity and living quality by serving as a mental sedative for you to spend your cognitive power over things that really matter. Investing in an endowment insurance also gives you and your family a chance to take a break and breathe before accidents, severe diseases, and emergency situations. 

Here are some of the common chronic diseases in Malaysia and why you need insurance. 

Cancer

This is one of the most serious illnesses besides AIDS that can deeply hamper one’s quality of life as it would come with a large number of treatment fees and affect the patient’s ability to make a living. These negative effects do not come from only one source, the illness, but are also derived from the treatment method. Chemotherapy or radiation therapy would disrupt a person’s daily life as it will unnerve not only the cancer cells but also the other normal cells that maintain a healthy body as well. Making it the second leading cause of death among Malaysians with the most common type of cancer in male is lung and nasopharyngeal cancer whereas in females are cervical and breast cancer. 

Heart diseases

Besides the first leading cause of death in 2021 belonging to Covid-19, the second place was taken by heart disease. This kind of illness conditions originates from a various number of leads like smoking, high blood pressure, and high level of cholesterol. Additionally, a sedentary life also contributes to this critical illness. 

With a various number of types, heart diseases require different treatments with each condition ranging from medication to surgeries: bypass and angioplasty, which are both expensive. An average surgery might cost around RM 30,000 to RM 70,000 for an uncomplicated coronary procedure.  

Stroke

As a leading cause of death among Malaysians. Stroke, while it could be fully recovered, will still become a gateway for a dramatic decline in people’s living quality as two-thirds of the population are reported to have some form of disability following a stroke. While stroke is reportedly more common in people above 50 or 60 years of age, it can occur outside of this age group.

The treatment procedure and pricing may vary depending on the person’s condition. Similar to most coronary problems, a simple medicine plan might suit some while an expensive surgical process is necessary for a more complicated case. The cost associated with stroke treatment may vary from RM 35,000 to RM 75,000. This is rather a large amount of money that could impose financial burdens upon families within the medium to lower class which make up most of the Malaysian population.