Starting a family is an exciting experience for couples, but while dealing with the trepidation and preparing for the upcoming financial obligations, some may overlook the importance of medical insurance coverage. 

Allianz Life Insurance Malaysia Berhad Chief Product Officer Ooi Haw Yun believes it is essential for couples to add insurance protection into the equation right from the start.

“Starting a family is a long-term commitment. And as with any significant life event, it requires thoughtful consideration, especially in planning how you will spend your money. While prenatal check-ups and preparing for the baby’s arrival will take precedence, having adequate protection for your new family should be non-negotiable,” said Haw Yun. 

“Always look for medical protection that not only provides you with adequate cover but is also affordable, flexible, and has your future needs in mind. Re-examine your coverage from time to time as well to ensure that you have the best cover to match your changing needs and the needs of your family,” added Haw Yun. 

Allianz Life’s MediSafe Infinite+, the primary medical rider of Allianz PowerLink; a protection focused Investment-Linked Plan, is perfect for young families. It offers comprehensive hospitalisation and surgery coverage available across seven plans, from Plan 150 (RM150 Room and Board) with an Overall Annual Limit of RM850,000 to Plan 500 (RM500 Room and Board) with an Overall Annual Limit of RM2,500,000. It also allows for pre-born entry (14-35 weeks into pregnancy).