Best Health Insurance for Cancer in Malaysia

Chemotherapy and cancer follow-up treatments can be a major burden and a difficult experience for you and your loved ones. Critical Illness insurance helps you through your treatment and recovery and cushion the financial impact.

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AXA Affin 360 CancerCare

AXA Affin 360 CancerCare

Let AXA Affin take care of your day to day expenses if you are diagnosed with an illness such as Cancer.

Sum Assured
from RM100000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
MSIG Ladies Lifestyle

MSIG Ladies Lifestyle

Sometimes, 'ladies first' shouldn't only be a gesture. Considering women are more prone to critical illnesses, take on this insurance policy to protect yourself from the unknown and be prepared for what might be inevitable.

Sum Assured
from RM100000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
RHB Easy-Insurans Kasih Critical Illness

RHB Easy-Insurans Kasih Critical Illness

This is a comprehensive healthcare insurance that'll protect you and your finances upon diagnosis of serious illnesses such as cancer, kidney failure, or AIDS.

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
AXA Affin SmartCancer Cash

AXA Affin SmartCancer Cash

Be prepared for every situation when it comes to cancer, and gain both financial stability and assurance that you gives you the will to fight back.

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
AmLife HealthCare Secure

AmLife HealthCare Secure

Worry not about medical expenses to burden your loved ones. AmLife SecureCare provides double payout and multiple claims for your added protection. What's more, no waiting in between claims!

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Great Eastern Great Early Cancer Care

Great Eastern Great Early Cancer Care

Give yourself a chance against cancer with the possibility of treatment and a cure, as well as to ease off your financial burdens of medical expenses.

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
AIA A-Life Cancer360

AIA A-Life Cancer360

Safeguard yourself from the risks of cancer with a insurance plan that guarantees 100% payment of sum assured - with early stage cancer and recovery benefits.

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
Citibank CancerCare

Citibank CancerCare

Take in the ease of managing your finances even when faced with a critical illness with Citibank's CancerCare to help you focus only focus on getting better.

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
Prudential PRUcancer Plan

Prudential PRUcancer Plan

Plan ahead with a cancer care insurance policy to look out for you, if cancer seems like a likely outcome in your family. Knock-on-wood, you will need the protection and financial stability this plan has to offer.

Sum Assured
from RM50000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
Zurich CancerCare

Zurich CancerCare

Say goodbye to the financial burdens of having a critical illness. With the CancerCare protection plan, you get to have financial security and completely focus on fighting the cancer, and getting better.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
Prudential PRUmultiple Crisis Cover

Prudential PRUmultiple Crisis Cover

An insurance plan that allows you to make multiple critical illness and cancer claims. Enhance your policy with additional benefits against death and permanent disability.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Prudential PRUlady

Prudential PRUlady

Comprehensive protection for women. Mothers will be ensured against pregnancy complications and 100% of premiums paid will be available for refund upon maturity.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
Zurich Prowell Critical Illness

Zurich Prowell Critical Illness

A standalone insurance plan, protecting you up to the age of 100 from all critical illness, death, or permanent disability. If you stay healthy, you will receive 100% of your sum assured upon maturity.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Hong Leong Assurance C. Saver Plan

Hong Leong Assurance C. Saver Plan

Cancer treatment can effect your finances drastically. Cover yourself with protection from very early to advanced stage cancer. Make multiple claims with up to 300% of your sum assured.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
Hong Leong Assurance C. Care Plan

Hong Leong Assurance C. Care Plan

The fact is that we're all at risk of getting cancer. Have your premium payments waived upon cancer treatment claims and receive up to 300% sum assured cover.

Sum Assured
from RM25000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Not Covered
Read moreGet Covered Now
Manulife Cover-Me-Again

Manulife Cover-Me-Again

There is no guarantee that you won't get another heart attack or stroke. This policy is a critical illness plan that will cover you for selected conditions twice!

Sum Assured
from RM20000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Great Eastern Smart Early Payout CriticalCare

Great Eastern Smart Early Payout CriticalCare

Safeguard your life with a health insurance policy that provides multiple claims and a unique buyback option. This critical illness rider can be attached to another Great Eastern policy.

Sum Assured
from RM12000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Prudential Crisis Cover Plus

Prudential Crisis Cover Plus

An insurance policy that provides a lump sum payment benefit in case of death, total permanent disability or diagnosis of any of the 36 critical illnesses.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
AIA A-Plus Critical Care

AIA A-Plus Critical Care

This CI policy can be attached to a Life basic plan or an investment-linked insurance plan, with coverage for all 36 critical illnesses. Have complete peace of mind with the AIA A-Plus Critical Care.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
AXA Affin 110 CI Care

AXA Affin 110 CI Care

Can you afford medical treatment for your failing kidney or early stage cancer? This package will cover you for up to 110 critical illnesses with 100% payout for any cancer related diseases.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Covered
Heart Attack
Covered
Read moreGet Covered Now
Prudential Crisis Defender

Prudential Crisis Defender

With the Prudential Crisis Defender, you will enjoy no waiting period, a maximum of 6 claims, and coverage for up to 85 major illnesses and medical conditions.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Prudential Early Crisis Protector

Prudential Early Crisis Protector

A supplementary plan for the Prudential Early Crisis Defender. Claim up to 6 times for over early stage illnesses such as cancer, heart problems, and kidney failure.

Sum Assured
from RM10000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Allianz 3H Cover & 3H Critical Cover

Allianz 3H Cover & 3H Critical Cover

Get coverage for Death, Total and Permanent Disability, and 4 major Critical Illnesses with this Allianz protection plan. This plan is specially crafted for anyone who has one of the 3High's, being High Blood Pressure, High Cholesterol, and a High Body Mass Index.

Sum Assured
from RM5000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
AIA A-Plus Early Critical Care

AIA A-Plus Early Critical Care

A complete critical illness rider that allows claims for early detection of major illnesses. Have coverage for up to 92 critical illness conditions across 3 levels of severity.

Sum Assured
from RM5000
Cancer
Covered
Diabetes
Covered
Heart Attack
Covered
Read moreGet Covered Now
AIA A-Plus Multi Critical Care

AIA A-Plus Multi Critical Care

A special CI plan that allows for multiple claims for a critical illness, which includes up to 2 cancer claims. Up to 100% of your sum assured can be received for each claim.

Sum Assured
from RM5000
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Manulife CI Early Advantage

Manulife CI Early Advantage

Have the financial support to pay excessive medical treatment for 36 critical illnesses from the early to advance stage. Extra Get-Well-Benefit of 5% of sum assured for your first claim up to RM5000.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Zurich Early Care Critical Illness

Zurich Early Care Critical Illness

Upon a diagnosis of any critical illness, have complete financial security for your treatment and recovery, including rehabilitation benefits and a second medical opinion allowance.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
Zurich ProLife 36 Super Basic

Zurich ProLife 36 Super Basic

Start your protection early with coverage against 36 critical illness and dread diseases, for children and adults alike. Live life on your own terms with Zurich ProLife 36 Super Basic!

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now
RHB Critical Guard Insurance

RHB Critical Guard Insurance

Prepare yourself for even the worst situations with the RHB Critical Guard. Make sure that if illness is a possibility you will be financially secure to concentrate on only getting better.

Sum Assured
None
Cancer
Covered
Diabetes
Not Covered
Heart Attack
Covered
Read moreGet Covered Now

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Frequently Asked Questions About Cancer

Cancer is among the world's leading causes of death. Read on to learn more about this deadly disease and find out how a Critical Illness insurance coverage can help protect and assist you financially.

Cancer is one of the leading causes of death in Malaysia, with over 30,000 cases annually. According to the World Health Organisation’s Globocan 2008 report, the most common cancers in Malaysia are breast, colorectal and lung cancer.

The risk of cancer is very real. Cancer statistics estimate that one in four Malaysians (1:4) will develop cancer by the age of 75. The deadly malady knows no race or religion, therefore it is best we stay thoroughly informed.

What is cancer?

Cancer is a disease of the body’s cells. Normal cells grow and multiply in a controlled way, but if something causes a mistake in the cell’s genetic blueprints, this control can be lost. Collections of these cells that are growing and potentially spreading within the body, is referred to as 'cancer'.

Cancer cells that don’t spread beyond a specific area which they are formed, are called 'benign', or not harmful. If these cells spread into surrounding areas or to different parts of the body, they are known as 'malignant', or more commonly known as cancer.

How is cancer diagnosed?

The earlier cancer is diagnosed, detected and treated; the better the chance of being cured. While some cancers may be detected by routine physical self-exam, most cases of cancer are diagnosed after a tumour can be felt or when other symptoms develop. In many cases, cancer is diagnosed incidentally when evaluating or treating other medical conditions.

Cancer diagnosis starts with a thorough physical examination and complete assessment of a patient's medical history. The hospital may take samples of your blood, urine and stool to detect any abnormalities that could indicate cancer.

If there are any suspected tumours, the doctor could suggest imaging tests such as X-rays, Computed Topography (CT) scans, Magnetic Resonance Imaging (MRI) scans, ultrasound and fibre-optic endoscopic examinations to help determine the cancer’s location and size. To confirm that it is cancerous, a biopsy needs to be performed in which a tissue is removed from the suspected tumour and studied under the microscope to check for cancerous cells.

In certain scenarios, some detection methods could potentially cause more harm than good. Take mammograms for instance - they pose adverse effects to women during pregnancy. Most guidelines from non-profit organisations and medical authorities, like the U.S. Preventive Services Task Force, do not recommend mammography for women aged below 40 years old.

For persons aged 40-49, it’s better to make an informed decision with a specialist before going for a mammogram. Mammography is only recommended once in every 2 years, for women above the age of 50.

However, if you do detect any unusual lumps (commonly breast cancer related), perhaps you should consider going for a check-up.

What causes cancer?

Some cancers are lifestyle-related or caused by the things we do, for example, tobacco use, spending too much time in the sun, and eating foods contaminated with cancer-causing carcinogens. About 5% to 10% cases are hereditary and run in family genes.

Other than that, no one knows the exact causes of most cancers, though there are some correlations between the food we eat and the lifestyle we choose to live.

What are the treatments for cancer?

Treatments may vary, depending on the type and severity of the cancer, but among the most common types of cancer treatments are surgical removals, chemotherapy and radiation therapy.

Although the main goal is to cure and if that is not possible, different treatments may be used to control the cancer from spreading further. New treatment methods are being developed all the time. The advancements in molecular biology, genetics and nanotechnology will bring new medical breakthroughs that could, one day, cure cancer.

Which insurance policies cover cancer?

Most Critical Illness insurance cover cancer. Critical Illness plans basically pay out a lump-sum payment to the insured, so you can use it as an income replacement, or for medical treatment.

On the other hand, medical insurance plans, which some people refer to as 'medical cards', help to cover hospitalisation bills up to the insured amount or lifetime limit.

Are there insurance plans that cover the early stages of cancer?

Coverage varies between insurance providers. While most Critical Illness plans cover Stage III and Stage IV cancers, there are some plans which cover Stage 0 cancers, known as carcinoma-in-situ. That said, we highly recommend you to compare and measure your priorities before deciding on an insurance plan.

How early should I get a Critical Illness or Medical Insurance coverage?

Generally, premiums (payments made to insurance companies) will be lower if you sign up for a Critical Illness or Medical Insurance before 30 years old. It would be the ideal time for you to get covered. However, depending on the insurance provider’s policy, expect to go through a medical check-up at any of the insurer’s panel clinics before the approval of your insurance plan.

Thinking of getting a critical illness insurance plan? Checkout some of the best protection plans right here on RinggitPlus!