11/06/2023
⭕⭕ Many of my client asked me "What kind of insurance (protection) should I buy for the first time ?? 🤔
Only take 5 considerations, don’t simply Buy ⭕⭕
1️⃣ 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝑯𝒐𝒔𝒑𝒊𝒕𝒂𝒍 𝑩𝒊𝒍𝒍/𝑴𝒆𝒅𝒊𝒄𝒂𝒍 𝑬𝒙𝒑𝒆𝒏𝒔𝒆𝒔)
Also known as medical card, the most common medical insurance, which can be reimbursed only after hospitalization. Covers accident and most types of diseases, especially severe heart disease, cancer and kidney dialysis common in Malaysia. In addition, most insurance companies have launched a million-dollar medical card, so that every insured person can be obtained coverage of more than RM1,500,000 / year, and it is renewed every year instead of lifetime.
2️⃣ 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝑰𝒏𝒄𝒐𝒎𝒆 𝑹𝒆𝒑𝒍𝒂𝒄𝒆𝒎𝒆𝒏𝒕)
Paying for the insured person suffering from a specific critical illness, which can help the insured person for life cost burden and medical expenses during the critical illness period. Major diseases generally refer to diseases that seriously affect the normal work and life of patients. This compensation can also serve as a source of income for the insured who cannot work due to illness, and can be used to pay for daily expenses. Especially for those peoples with family, or the breadwinner of the family need protection.
3️⃣ 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 + 𝐓𝐏𝐃
Insurance that pays mainly for the death or permanent disability of the insured to compensate the financial burden of the insured after death or permanent disability, and is especially important for the family's financial support. It is recommended for those with loans, family burdens or assets to take out insurance. Insuring a small part of your assets to get more comprehensive protection and peace of mind for your family.
4️⃣ 𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐀𝐜𝐜𝐢𝐝𝐞𝐧𝐭
This is coverage for injury, death or permanent disability to the insured due to an accident. The price of this insurance is not expensive, and some insurance companies will also provide accidental consultation allowances and accidental hospitalization allowances, which are recommended to be configured.
5️⃣ 𝐏𝐫𝐞𝐦𝐢𝐮𝐦 𝐖𝐚𝐢𝐯𝐞𝐫
This refers to the waiver of premiums upon death or total disability from the policyholder's contributions. For example, if the insured is the husband and the insured is the wife, if the husband dies or becomes totally disabled or the husband becomes seriously ill during the payment process, the later premiums can be waived, and the insurance liability to the wife continues to be valid.
⭕We provide the following services:
✅ Medical Card
✅ Life Insurance
✅ Accident Insurance
✅ Critical Illness
✅ Maternity, Baby Insurance
✅ Savings & Investment
✅ FREE Policy Review & Quotation
⭐⭐Insurance isn't about changing lives; it's about preventing them from being changed.
❤️❤️❤️Contact me to know more! 👇👇
Terence Tan
016-599 6309
AIA Life Planner (Conventional & Takaful)
http://wa.me/60165996309
http://wa.me/60165996309
http://wa.me/60165996309
⭕⭕ 有很多顾客问我，第一次买保险该买哪几种？？🤔
只需要考虑这五种就够了，千万别乱买⭕⭕
1️⃣ 医疗保险
又称医药卡，也是最常见的医疗保障，只需要住院就能够报销。涵盖了大部分疾病种类，尤其是马来西亚常见的重症心脏病，癌症和洗肾。另外，大部分保险公司都已经推出了百万医药卡，让每一位受保人能够快速获得每年RM1,500,000以上的保障，而且是年年更新，解决了“医不起”的问题。
2️⃣ 重疾保险
这是针对受保人患上特定重大疾病进行赔付的保险，能够帮助受保人在大病期间的经济损失和医疗费用。重大疾病一般指严重影响患者及其家庭的正常工作和生活的疾病。而这一笔赔偿金也能充当受保人因患病而无法工作的收入来源，用来支付日常开销。尤其是有家庭的人士，或是家庭经济支柱更是需要的保障。
3️⃣ 人寿保险 + 残障保险
主要针对受保人身故或终身残障进行赔付的保险，以补偿受保人在身故或终身残障后的经济负担，对于家庭经济支柱更是格外重要。建议有贷款，家庭负担或是拥有资产的人士投保。把资产里头小部分的钱投保，以获得更全面的保障也让家人安心。
4️⃣ 意外保险
这是针对因意外事故引起对受保人的伤害、身故或终身残障进行赔付的保险。这份保险价格不贵，一些保险公司还会提供意外看诊津贴和意外住院津贴，建议进行配置。
5️⃣ 豁免保费
这是指豁免投保人缴费中身故或全残后的保费。比如说投保人是老公，被保险人是妻子，老公在交费过程中如果身故或全残又或是老公得了重症，后期的保费能够免交，同时对妻子的保险责任继续有效。
⭕我们提供以下服务：
✅医疗卡 ✅人寿保单 ✅意外保单
✅疾病保单 ✅孕妇&宝宝保单 ✅储蓄保单和投资
✅旧保单检查
⭐⭐保险不是用来改变生活，而是防止生活被改变。
❤️❤️❤️马上联系，以了解更多！👇👇
Terence Tan
016-599 6309
AIA Life Planner (Conventional & Takaful)
http://wa.me/60165996309
http://wa.me/60165996309
http://wa.me/60165996309
#医疗卡 #医药卡 #医疗保险
#人寿保险 #意外保险 #重疾保险
#保险
