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Dialogue

Rethinking Insurance & Social Takaful

health insurance
Episode #4

23 March 2026

Overview

In this episode of InsuredTruths, we explore the realities of insurance in Malaysia:

• Why 60% of Malaysians are still uninsured or underinsured

• How insurance became sales-driven instead of protection-driven

• The truth about rising medical costs and hospital practices • Why life insurance may be more critical than medical insurance

• How Social Takaful could reshape access to protection

• Why preventive care is the key to sustainable healthcare

Speakers

Ravinder Singh

Ravinder Singh

Co-founder of AQM Tech

Mr Ravinder is the Co-Founder of AQM Tech and has worked across London, Amsterdam, Zurich, Singapore, and Malaysia, offering a unique perspective on how insurance works and why it needs to change.

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