"I've Been Paying For Insurance but Never Claimed. Am I Being Scammed?" | The Money Goal EP6

You’ve been adulting for a good 5 years now. Since day one, you’ve diligently paid for your health insurance — no claims, no drama. But now your premium’s gone up and you're wondering: Am I just throwing money away?

Even with a few hospital visits, public healthcare in Malaysia has always had your back (and your wallet). So why are you paying over RM2,500 a year for something you’ve never used?

In this episode of The Money Goal, Emir sits down with a special guest to unpack this very question. Is it a scam, a safety net, or just misunderstood? Plus, discover a few easy ways to cut down your monthly commitment without compromising your coverage.

00:00 Introduction
01:40 What Is Insurance?
06:13 Do You Need Life Insurance?
09:36 Public Healthcare in Malaysia
14:01 Tips on Adjusting Your Premium
16:53 Final Thoughts

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