Cost of medications and treatment has increased significantly nowadays. We can't predict when or what sickness may come to us, and accident happens when we least expect it. My husband is diagnosed with NMDAR Encephalitis and I know how costly the treatment is as the disease keep coming back. Hence I would like to advice those who haven't get your self insured (at least with medical card), please sacrifice some of your income every month for your emergency use i.e. road accident and sickness. It's an important factor so that we and our loved ones could get the best treatment. Please feel free to contact me if you wish to share any opinion or advice. Thanks. Great Eastern Takaful Medical card. p/s : Don't think that Rm100 a month for a medical card is a waste. It's your invisible savings. It's for you after all.