FOR more than two decades, Malaysians have been sold medical protection that behaves like a financial product first and a health product second. Investment-linked policies (ILPs) were marketed as modern and flexible solutions or “one plan for everything”.
In truth, ILPs created a hidden structural problem: the sustainability of your medical coverage depended on whether the market performed, whether your fund value held, and whether you agree to pay more when projections fall apart.
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