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25/04/2026 — Hospitalised.24/08/2026 — RM1,301.25 successfully claimed. Almost 4 months later.Four years ago, this patie...
25/09/2026

25/04/2026 — Hospitalised.
24/08/2026 — RM1,301.25 successfully claimed.

Almost 4 months later.

Four years ago, this patient’s original hospital bill was 𝐑𝐌𝟏𝟒,𝟔𝟗𝟗.𝟏𝟎 and RM12,948.43 was successfully claimed.

But there was still one amount left unresolved
— the 𝐑𝐌𝟏,𝟑𝟎𝟏.𝟐𝟓 𝐇𝐨𝐥𝐭𝐞𝐫 𝐭𝐞𝐬𝐭.

Instead of stopping there, I continued following up.
I took time to understand what actually happened during her treatment, checked her coverage and followed through on the claim based on her medical situation.

That brought her total successfully claimed to 𝐑𝐌𝟏𝟒,𝟐𝟒𝟗.𝟔𝟖, leaving only 𝐑𝐌𝟒𝟒𝟗.𝟒𝟐 𝐨𝐮𝐭-𝐨𝐟-𝐩𝐨𝐜𝐤𝐞𝐭 from a RM14K+ hospital bill.

This is why I always say:
𝐓𝐡𝐞 𝐩𝐨𝐥𝐢𝐜𝐲 𝐲𝐨𝐮 𝐜𝐡𝐨𝐨𝐬𝐞 𝐦𝐚𝐭𝐭𝐞𝐫𝐬.
𝐁𝐮𝐭 𝐰𝐡𝐨 𝐬𝐞𝐫𝐯𝐢𝐜𝐞𝐬 𝐲𝐨𝐮𝐫 𝐩𝐨𝐥𝐢𝐜𝐲 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐭𝐨𝐨.

My job doesn’t end when your policy is issued.
When you’re hospitalised,
unsure about your coverage,
or a claim doesn’t go as expected..
That’s when having someone who knows your policy and is willing to follow through really matters.

Already have insurance but not sure
what you’re covered for?

DM me for a policy review.
𝐋𝐞𝐭’𝐬 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐲𝐨𝐮 𝐤𝐧𝐨𝐰 𝐰𝐡𝐚𝐭 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞
𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐭𝐨 𝐮𝐬𝐞 𝐢𝐭.


当你是全家人依靠的那个人,你生病了,影响的从来不只是你一个人..20多年来,他一直是家里的经济支柱直到这一次,一直照顾大家的他变成了需要被照顾的人幸好,多年前做好的一个决定让家人在这个时候可以把更多心思放在他能不能好起来而不是医药费够不够付...
21/09/2026

当你是全家人依靠的那个人,你生病了,影响的从来不只是你一个人..

20多年来,他一直是家里的经济支柱
直到这一次,一直照顾大家的他
变成了需要被照顾的人

幸好,多年前做好的一个决定
让家人在这个时候
可以把更多心思放在他能不能好起来
而不是医药费够不够付

滑一滑,看完他的故事 →

看完后,也问问自己:

如果明天需要住院,
我现在的医疗保障,真的够吗?


40岁才开始准备退休,真的还来得及吗?来得及但不要只想着“存多一点”退休规划,不是把所有钱都放进储蓄计划选择储蓄计划也需要顾及 savings term多久存多少,满期后你想得到多少 等等不要搞到自己退休后还在存退休金还是明明已经退休了但还...
18/09/2026

40岁才开始准备退休,真的还来得及吗?

来得及
但不要只想着“存多一点”

退休规划,不是把所有钱
都放进储蓄计划

选择储蓄计划
也需要顾及 savings term多久
存多少,满期后你想得到多少 等等

不要搞到自己退休后还在存退休金
还是明明已经退休了
但还在傻傻等mature
最后无奈的还是自己… 😬

开始规划【退休基金】
或对【退休基金】有兴趣的朋友
欢迎dm来聊聊你的看法!😍


14/09/2026

如果你觉得“保险很贵”
可是你有没有算过,变穷的代价更贵

我们不是没有东西可以输
只是很多时候,直到出事了才发现
原来我们辛苦建立的生活
有那么多东西需要保住💛

先别急着买保险
先算算你的emergency fund
真的撑得住几次入院治疗
多少个月的在家疗养费

如果你不知道怎么算
📩 DM我,我们一起算

As always, I’m just a DM away.

She rarely drove her car. So when it was time to renew her motor insurance, the car was insured at a value lower than th...
12/09/2026

She rarely drove her car.

So when it was time to renew her motor insurance, the car was insured at a value lower than the lowest agreed value. The difference was less than 20%, so we thought it would be fine.

Until an accident happened.

The vehicle was 𝟏𝟑.𝟔𝟒% 𝐮𝐧𝐝𝐞𝐫-𝐢𝐧𝐬𝐮𝐫𝐞𝐝,
and the claim was adjusted accordingly.

She rarely drove the car, but unfortunately, accidents don’t happen based on how often we use our car..

The cheaper option may look fine at renewal, but what matters is whether the coverage is still adequate when you actually need to claim.

So before your next renewal,
don’t just look at the premium.
𝐋𝐨𝐨𝐤 𝐚𝐭 𝐭𝐡𝐞 𝐢𝐧𝐬𝐮𝐫𝐞𝐝 𝐯𝐚𝐥𝐮𝐞 𝐭𝐨𝐨 🚗

If you’re renewing your car insurance soon,
feel free to send me your current sum insured.
I’ll help you check whether it makes sense.

𝘊𝘭𝘢𝘪𝘮 𝘴𝘦𝘵𝘵𝘭𝘦𝘮𝘦𝘯𝘵 𝘪𝘴 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘱𝘰𝘭𝘪𝘤𝘺 𝘵𝘦𝘳𝘮𝘴
𝘢𝘯𝘥 𝘵𝘩𝘦 𝘪𝘯𝘴𝘶𝘳𝘦𝘳’𝘴 𝘢𝘴𝘴𝘦𝘴𝘴𝘮𝘦𝘯𝘵.

存钱,不只是存下现在的努力也是给未来的自己,一份小小的惊喜💛 interest是至少一个大学生一个月的收入谁看了不心动?刚收到钱钱的朋友们现在都在考虑去哪里玩了😆🫢这exclusive savings plan只到9月30号,先到先得‼️全...
02/09/2026

存钱,不只是存下现在的努力
也是给未来的自己,一份小小的惊喜💛

interest是至少一个大学生一个月的收入
谁看了不心动?

刚收到钱钱的朋友们
现在都在考虑去哪里玩了😆🫢

这exclusive savings plan
只到9月30号,先到先得‼️

全国满RM50million就没有了~

DM me for more! 📩🤩

Turns out, being “chic” isn’t always about looking expensive.Sometimes it’s:✅Having an emergency fund✅Knowing what your ...
28/08/2026

Turns out, being “chic” isn’t always about looking expensive.

Sometimes it’s:
✅Having an emergency fund
✅Knowing what your insurance actually covers
✅Thinking twice before spending
✅Being prepared before life gives you a reason to be

Which one are you guilty of? 👀


Address

Riverson@Sembulan Block A-1, Lorong Riverson@Sembulan
Kota Kinabalu
88100

Telephone

+60109480301

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