YSS Risk Management Consultancy

05/01/2026

回顾过去，展望未来；我们的初心，始终是信任我们的客户。

2025年的每一次复盘，都是为了更精准地发现缺口； 2026年的每一次定标，都是为了更有力地履行承诺。

我们不断提升、聚力前行，在新的一年里，继续做客户身边最有温度的风险守门人。 客户的安心，就是我们奔跑的动力！✨

Reflecting on the Past, Envisioning the Future; Our heart remains with the clients who trust us.

Every review in 2025 was conducted to identify gaps with greater precision; every goal set for 2026 is a commitment to honor our promises even more firmly.

We continue to grow and move forward as one. In the new year, we strive to remain the most compassionate "Risk Guardians" by our clients' side.

Your peace of mind is the ultimate fuel for our journey! ✨

#使命必达 #2026专业守护 #保险代理员 #客户至上

14/11/2025

“Luckily, I Had Insurance”

In June 2024, Uncle started having trouble breathing.
The clinic doctor advised him to see a heart specialist, but he hesitated — worried that his insurance might not cover it and afraid to waste money — so he decided to queue at the government hospital instead.

From October until January the next year, he finally got his test results. They showed something was wrong with his heart, but the next doctor’s appointment was only available in September.

But illness doesn’t wait.
By August, Uncle could no longer bear the pain. I immediately helped him get admitted to a private hospital — thankfully, his insurance was approved.

The results were shocking — severe heart blockage: two arteries 90% blocked, one 70%.
He needed immediate surgery.

After a 6-hour operation, Uncle woke up safely. The doctor said he was brave — and very lucky.

The total medical cost came close to RM126,000.
Uncle told me, “I wasn’t afraid at all, because my insurance took care of the money.”

At that moment, I truly understood —
Insurance isn’t about whether it’s “worth it.”
It’s about saving a life — and protecting your wallet — when it matters most.

Buy insurance when you’re healthy,
so you can be at peace when you’re not.
Money can always be earned again,
but life only happens once.

14/11/2025

2024 年 6 月，Uncle 开始觉得呼吸困难。 #
Klinik 医生建议他去看心脏专科，但他担心保险不批、怕浪费钱，就决定去政府医院排队。

从 10 月等到隔年 1 月，报告显示心脏情况不太好，可是下一个医生预约竟然要等到 9 月。

可病不会等人。到了 8 月，Uncle 已经痛苦得受不了，我马上帮他安排去私人医院。幸运的是，保险批了。

检查结果让人震惊——心脏血管严重阻塞，两条 90%，一条 70%，必须立刻手术。
六个小时的手术后，他平安醒来。医生说，他很坚强，也很幸运。

整个治疗费用接近 RM126,000。
Uncle 说：“我一点也不怕，因为钱的问题保险帮我解决了。”

那一刻，我更明白：
保险不是为了“值不值得”，而是在关键时刻，救命，也救钱包。

健康时买保险，是为了让生病时能安心。
钱可以再赚，命只有一次。

21/07/2025

"Healthcare emergencies can come at any age – even when we least expect it."

Recently, a 1️⃣7️⃣years old girl had to be admitted to the hospital due to hemorrhoid piles. Most people think this is a condition that only affects older adults, but lifestyle, diet, and other factors are causing such health issues even in teenagers.👱

Thanks to her family's health insurance coverage, her hospital bills and treatment costs were covered without financial stress.

👉 Why this matters:

Health issues can arise at any age.
Insurance is not just for older people – it’s a safety net for everyone.
Early medical attention is crucial for quick recovery.

Have you reviewed your health insurance plan lately?

21/07/2025

“医疗紧急情况可能在任何年龄发生——甚至是在我们最意想不到的时候。”

最近，一名 1️⃣7️⃣岁的女孩因痔疮住院。大多数人认为这是只会影响老年人的疾病，但生活方式、饮食和其他因素正在导致这种健康问题甚至出现在青少年身上。👱

幸好她的家庭有健康保险保障，她的住院和治疗费用都得到了报销，没有造成经济负担。

👉 为什么这很重要：
• 健康问题随时可能发生。
• 保险不仅仅是为老年人准备的——它是每个人的安全网。
• 及时的医疗干预对快速康复至关重要。

你最近检查过自己的健康保险计划了吗？

#保险索赔

29/01/2025

Wishing our valued customers a prosperous and joyful Chinese New Year filled with success and happiness!

29/11/2024

“治病家破人亡，不治人亡家还在”

一位家庭支柱查出了癌症，当问起何为放弃治疗，这就是他的回答，这应该是最让人心酸的一句话，但是他还能有什么选择呢❓

医药费的索赔数额节节攀升，是医药费用上涨趋势❓还是生活方式疾病也增加了❓
规划应有的保障虽然不能阻止风险的到来，却能在风险到来时保障自己，也在心灵和经济上保障最爱的家人 ❤️

让我们以专业的知识为你提供适合的方案来解决你的担忧。

#保险知识 #保险

07/09/2024

Ms. Wang, 5️⃣4️⃣years old, is a finance manager at a mid-sized company. Her life is stable and orderly, with both work and family in harmony. However, as she ages, Ms. Wang has become more aware of the need to prepare for the future, especially considering potential health risks.🛡️

Although she is usually in good health, upon a friend's suggestion, Ms. Wang decided to purchase critical illness insurance. She carefully selected the insurance company and product, ensuring that the policy covered major diseases she was concerned about, such as cancer, heart disease, and stroke. She chose a moderate coverage amount, believing it would provide sufficient financial support if health issues arose in the future.💰

A few months later, Ms. Wang began to feel some discomfort. After a hospital checkup, she was diagnosed with early-stage breast cancer. The news was a huge shock to her and her family. Although the cancer was detected early and the treatment outlook was relatively optimistic, the process still required surgery and long-term chemotherapy, which posed both physical and financial challenges.🏥

Fortunately, Ms. Wang's critical illness insurance came through when she needed it most. The insurance company quickly processed her claim and paid out the compensation according to the policy. The payout not only covered the costs of surgery and chemotherapy but also eased the financial pressure during her recovery. She no longer had to worry about money and could focus on receiving treatment and resting.😌

Throughout the treatment process, Ms. Wang's family also felt the comfort brought by the insurance. Her husband and children didn’t have to worry about financial burdens and were able to fully support Ms. Wang’s recovery. She felt immense gratitude, realizing how wise her decision had been.🥰

After her treatment ended, Ms. Wang gradually regained her health. She deeply understood that critical illness insurance is not only a financial safeguard against health risks but also a source of psychological comfort. Her experience strengthened her belief in the importance of insurance, and she began recommending critical illness coverage to her friends and family, hoping they too would plan ahead and prepare for life's uncertainties.✅

#保险

06/09/2024

王女士今年5️⃣4️⃣岁，是一家中型企业的财务主管。她的生活平稳而有序，工作和家庭都很和谐。然而，随着年龄的增长，王女士开始意识到自己需要为未来做更多的准备，尤其是面对可能的健康风险。🛡️

尽管她平时身体健康，但在朋友的建议下，王女士还是决定为自己购买一份重疾险。她认真选择了保险公司和产品，确保所选的重疾险能覆盖她担心的重大疾病，比如癌症、心脏病和中风。她选择了一个适中的保额，认为这样能在未来遇到健康问题时提供足够的经济支持。💰

几个月后，王女士开始感到一些不适，去医院检查时被诊断出患有早期乳腺癌。🚨这个消息对她和家人来说是一次巨大的冲击。虽然癌症被早期发现并且治疗方案相对乐观，但治疗过程仍然需要进行手术和长期的化疗，这对王女士的身体和经济状况都是一大考验。🏥

幸运的是，王女士的重疾险在她最需要帮助的时候发挥了作用。保险公司迅速处理了她的理赔申请，按照保单条款支付了赔付金。这笔赔付金不仅涵盖了手术和化疗的费用，还缓解了王女士在康复期间的生活压力。她不再需要为经济问题而焦虑，可以安心接受治疗和休息。😌

在整个治疗过程中，王女士的家人也感受到了这份保险带来的安慰。她的丈夫和孩子们不用因为经济问题而分心，他们能够全力支持王女士的康复。王女士感激不已，意识到自己当初的选择是多么明智。🥰

治疗结束后，王女士逐渐恢复了健康。她深刻体会到重疾险不仅是对健康风险的一种经济保障，更是一种心理上的安慰。她的经历让她更加坚定了保险的重要性，也开始向身边的朋友和家人推荐重疾险，希望他们能提前规划，为未来的不确定性做好准备。✅

#保险

26/08/2024

26/08/2024