Mimie Tan Prudential Agent Kota Kinabalu

27/04/2026

“Just discharged last month… this month admitted again 😭”


My client’s child, 1 year 10 months old, was admitted to KPJ Sabah from 9/2/2026 – 11/2/2026 due to viraemia (a viral infection in the bloodstream).

Total covered by the medical card: RM3,769.85

Before they could even catch their breath…

A month later, the same child was admitted again to KPJ Sabah from 23/4/2026 – 24/4/2026 due to bronchopneumonia.

Bronchopneumonia is a lung infection that can worsen very quickly in young children, especially those under 5 years old.

Total bill: RM4,133.45, with RM3,724.85 covered by the medical card (some items are not covered).

Within about 2 months, this child was hospitalized twice, with total costs close to RM7,500.

This client took up a prenatal plan on 16/5/2024. That’s why when things happened, their focus wasn’t on the bill, but on the child’s recovery.

Now look at the track record over about 2 years:
➡️ 15/7/2024 – RM2,000 (Jaundice + phototherapy)
➡️ 11/4/2025 – RM4,380.50 (Admitted to KPJ Sabah)
➡️ 9/2/2026 – RM3,769.85 (Viraemia, admitted to KPJ Sabah)
➡️ 15/4/2026 – RM123.85 (Post-hospitalisation)
➡️ 23/4/2026 – RM3,724.85 (Bronchopneumonia)

🟰 Total claim: RM13,999.05

Young children are naturally at higher risk of hospitalization. It’s not because parents are careless. Their immune systems are simply not strong yet.

So if you’re still thinking “not necessary yet”, ask yourself:
If this happens to your own child, are you really ready?

Planning early isn’t about fear. It’s about understanding that the risk is real.

21/04/2026

“Insurance is a scam.”

Heard that so many times.

But today, I received a notification that my late client’s medical claim has finally been approved.

This claim wasn’t new. It was created last year for hospital allowance and hospital benefits. But it got stuck. No Letter of Administration (LA), so the claim couldn’t proceed. Eventually, it was closed.

Last week, everything changed.

The spouse managed to get the LA. Once I received it, I didn’t just wait. I called HQ, verified all the details, prepared a memo to reopen the case, attached the LA, and resubmitted.

Today, it’s approved.

Let’s be real. Insurance doesn’t magically pay out just because you bought a policy. If the plan is weak, or the agent disappears when things get complicated, you’re on your own.

This case proves one thing.
The right plan matters. But the right agent matters even more.

If you think buying insurance is enough, you’re already making a mistake.

Choose properly. Or deal with the consequences later. 🙏🏻🙏🏻

26/03/2026

Today I want to share a story that is very close to my heart.

One of my clients was admitted to KPJ Sabah from 11/12/2025 until 29/01/2026 — a total of 49 days. He had been battling colon cancer for almost 2 years. Every single day was a fight… for the family he loved.

In the end, God loved him more and granted him eternal rest.

What many people don’t see behind a story like this is the financial burden that comes with illness. His final medical bill amounted to RM115,106.14.

Thankfully, with protection from Prudential, the entire bill was covered by his medical card.

Now be honest with yourself…
What if there was no coverage?

In the middle of grieving the loss of a loved one, the family would also have to figure out how to pay over RM100k.

This is reality. Not a hypothetical situation.

We all hope nothing bad happens. But hope alone is not a strategy.
Protection is what determines whether your family is burdened… or protected.

Don’t wait until it’s too late.
Take action now, so one day — if something happens — you leave behind love, not financial stress.

Sincerely,
Mimie Tan

23/02/2026

开工大吉 🧧🧧🧧

Big thanks to leader Mr.Lee Kiat Heong our Borneo Unite Agency Founder for the angpao 😍😍😍

Back to work mode ON!
Holiday OFF. Excuses OFF. Target ON!!!

HENG! ONG! HUAT AAAAAAHHH…!!! 🍊🍊🍊

01/02/2026

Life as an Insurance / Takaful agent. We have training to upgrade our skills, and also the guide from our leaders and consultant. Just to make sure we give the right protection to our beloved clients 💕

16/01/2026

09/10/2025

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16/08/2025

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18/07/2025

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10/04/2025

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PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).