Tie Ting Huat

Call Directions Contact the business

Tie Ting Huat Family Cash Flow Protection

【From August to October: Continuing My Financial Planning Learning Journey】Professional growth doesn't end after complet...
13/10/2026

【From August to October: Continuing My Financial Planning Learning Journey】

Professional growth doesn't end after completing one training programme. It requires continuous learning, practical application, and improvement.

Over the past few months, I have been progressing through the AIA Certified FinCoach Practitioner programme.

📘 August 2026
Completed Part 1 (Conventional), passed the examination, and received my certificate.

📗 September 2026
Passed the Part 1 (Takaful) examination and received my certificate.

📚 October 2026
Currently attending the four-day Part 2 (Hybrid) programme, which combines financial planning knowledge from both Conventional Insurance and Takaful.

Beyond classroom learning, the programme includes group discussions and interactive activities, providing opportunities to exchange ideas with participants from different backgrounds and explore financial planning from different perspectives.

To me, insurance is only one part of overall financial planning.

What matters most is understanding each client's financial situation, family responsibilities, future goals, and potential financial risks.

From income and expenses, savings and liabilities, to medical protection, life insurance, critical illness coverage, and future family cash flow needs — every aspect can influence an individual's or family's financial stability.

Everyone's circumstances are different, so financial planning should never follow a one-size-fits-all approach.

Progressing from Conventional to Takaful, and now to the Hybrid programme, allows me to continuously broaden my professional knowledge and perspective.

The purpose of learning is not simply to collect more certificates, but to turn knowledge into practical capabilities.

My goal is to combine my previous professional experience with my growing financial planning knowledge to provide individuals, families, and business owners with more comprehensive and suitable protection and risk management recommendations.

Professional competence takes time to develop, and continuous learning is an essential part of that journey.

Keep learning. Keep improving. 📚

【从8月到10月，持续进阶的 Financial Planning 学习之路】专业成长，不是完成一次培训就结束，而是不断学习、实践与提升。过去几个月，我持续参与 AIA Certified FinCoach Practitioner 的专业...
13/10/2026

【从8月到10月，持续进阶的 Financial Planning 学习之路】

专业成长，不是完成一次培训就结束，而是不断学习、实践与提升。

过去几个月，我持续参与 AIA Certified FinCoach Practitioner 的专业培训。

📘 2026年8月
完成 Part 1 (Conventional) 培训，通过考试，并获得证书。

📗 2026年9月
通过 Part 1 (Takaful) 考试，并获得证书。

📚 2026年10月
继续参加为期四天的 Part 2 (Hybrid) 培训，进一步学习结合 Conventional（传统保险）与 Takaful（伊斯兰保险）的财务规划知识。

这次培训除了课堂学习，也有小组讨论及互动活动，让我们有机会与不同背景的伙伴交流，从不同角度思考财务规划。

对我而言，保险只是整体财务规划的一部分。

真正重要的，是了解客户目前的财务状况、家庭责任、未来目标，以及可能面对的财务风险。

从收入与支出、储蓄与负债，到医疗保障、人寿保障、严重疾病保障，以及未来的家庭现金流，每个环节都可能影响一个人或家庭的财务稳定。

而且，每个人的情况不同，规划方式也不应该千篇一律。

从 Conventional 到 Takaful，再到结合两者的 Hybrid 培训，让我有机会不断拓展自己的专业知识与视野。

学习的目的，不只是获得更多证书，而是将知识转化为实际能力。

希望能够结合过去的工作经验与持续累积的财务规划知识，为个人、家庭及企业主提供更全面、更符合实际需求的保障与风险规划建议。

专业能力需要时间累积，而持续学习，是其中不可缺少的一部分。

继续学习，继续进步。📚

【A Policy Held for 23 Years—A Review to Meet Today’s Needs】Recently, I helped a client review policies purchased 23 year...
11/10/2026

【A Policy Held for 23 Years—A Review to Meet Today’s Needs】

Recently, I helped a client review policies purchased 23 years ago and restructure the coverage. The new policies are now in force.

The monthly premium increased by approximately 24.36%. The client chose to proceed after understanding the improvements that came with the additional budget.

🏥 Stronger Medical Coverage

• RM3,000,000 annual medical limit (previously RM30,000)
• RM300/day room and board (previously RM100/day)
• ICU coverage based on eligible actual charges, without the previous RM250 daily cap (previously RM250/day)
• No maximum number of room and board or ICU days per rider year (previously a combined maximum of 60 days per disability)
• 90-day pre-hospitalisation coverage (the previous policy’s period still requires verification)
• Post-hospitalisation coverage: 365 days for serious conditions and 180 days for non-serious conditions (previously 60 days)

🛡️ Broader Life and Critical Illness Protection

• RM56,000 Death/Total and Permanent Disability coverage (previously RM25,000)
• RM100,000 multi-claim protection covering 180 critical illness conditions (previously RM25,000 advanced-stage CI protection with a single payout)
• RM100,000 recovery benefit for eight specified critical illnesses (previously unavailable)
• Premium waiver coverage until age 70 (previously unavailable)

💚 Added Health Rewards

• RM2,500 yearly No-Claim Bonus credited to the Health Wallet when the conditions are met (previously unavailable)

A higher premium deserves careful consideration. So does understanding what the additional protection can do.

Is the medical limit sufficient? How long does coverage continue after leaving hospital? If a critical illness interrupts work, what will help cover everyday expenses?

A policy review helps answer these questions, so clients can decide whether an adjustment meets their needs and fits their budget.

A policy may stay with us for decades, but our understanding of its coverage should not remain where it was when we first purchased it.

This is a summary of one client’s coverage. All benefits are subject to policy terms and conditions.

【保单持有23年，这次检视让保障跟上今天的需要】最近协助一位客户检视持有了23年的旧保单，并重新调整保障。新保单已经正式生效。这次每月保费增加约 24.36%。客户愿意作出调整，是因为看清了这笔预算能带来哪些保障改善。🏥 医疗保障更充足• ...
11/10/2026

【保单持有23年，这次检视让保障跟上今天的需要】

最近协助一位客户检视持有了23年的旧保单，并重新调整保障。新保单已经正式生效。

这次每月保费增加约 24.36%。客户愿意作出调整，是因为看清了这笔预算能带来哪些保障改善。

🏥 医疗保障更充足

• 年度医疗限额RM3,000,000（原本RM30,000）
• 病房与膳食RM300／天（原本RM100／天）
• ICU按合资格实际费用赔付，不再设RM250的每日限额（原本最高RM250／天）
• 病房与ICU每附条年不设最高天数（原本每次疾病合计最多60天）
• 住院前保障90天（旧保单的保障期限仍需核实）
• 出院后保障：严重情况365天，一般情况180天（原本60天）

🛡️ 重疾与家庭保障更完整

• 身故／完全永久残疾保障RM56,000（原本RM25,000）
• 涵盖180种重疾的多次赔付保障，保额RM100,000（原本晚期重疾RM25,000，单次赔付）
• 针对8种指定重疾的康复给付保障，保额RM100,000（原本没有）
• 保费豁免保障至70岁（原本没有这项保障）

💚 新增健康奖励

• 符合条件时，每年RM2,500无索赔奖励存入Health Wallet（原本没有）

对客户而言，保费增加需要认真考虑，保障能否解决实际需要，同样重要。

医疗额度是否足够？治疗后的跟进期有多长？患上重疾时，除了医院账单，生活开销又靠什么维持？

把这些看清楚，才能判断这次调整是否值得、是否负担得起。

定期检视保单的意义，就是让客户清楚了解自己的保障，再作出愿意、安心且适合自己的选择。

保单可以持有很多年，但对保障的了解，不应该停留在购买的那一年。

以上为本个案的保障摘要，各项利益须符合保单条款。

#保单检视 #医疗保障 #重疾保障 #家庭现金流 #保障规划

【Cancer Protection Approved on the Third Application】A few years ago, a friend’s medical card application was declined. ...
05/10/2026

【Cancer Protection Approved on the Third Application】

A few years ago, a friend’s medical card application was declined. This time, I helped him apply for a standalone cancer plan. After adjusting the coverage across three applications, his policy is now approved and in force. ✅

▪️ First: Cancer basic plan with Life, Total and Permanent Disability (TPD), and other critical illness riders — declined.
▪️ Second: Cancer basic plan with a Life rider only — did not proceed to coverage.
▪️ Third: Cancer basic plan without those riders — approved.

Cancer insurance is also a form of critical illness protection. Based on his RM150,000 basic sum assured:

🔹 Early-stage cancer payout: RM45,000
🔹 Recovery rewards: RM15,000 each at months 6 and 12
🔹 Power Reset: Cancer coverage returns to RM150,000 12 months after an early-stage cancer diagnosis
🔹 Cancer benefit: RM150,000, subject to claim conditions
🔹 Extended recovery income: RM15,000 yearly for five years
🔹 Coverage to age 80, with maturity and compassionate death benefits, subject to conditions

Cancer claims within 12 months of an early-stage diagnosis are reduced by early-stage payouts and recovery rewards already paid. After the Cancer Benefit is paid, all benefits except Extended Recovery Income end.

Thank you to my friend for his trust. This plan provides cancer protection, although it does not replace a medical card or cover every critical illness.

A previous decline may still leave other protection options worth exploring. Feel free to message me.

Full health disclosure is required. Approval and benefits are subject to individual underwriting and policy terms.

【癌症基本保障，第三次申请终于获批】几年前，一位朋友申请医药卡未获承保。这次，我协助他申请独立癌症保障，经过三次调整，终于获批，保单已生效。✅▪️ 第一次：癌症基本计划＋人寿、TPD及其他重疾附加保障，未获承保。▪️ 第二次：癌症基本计划＋...
05/10/2026

【癌症基本保障，第三次申请终于获批】

几年前，一位朋友申请医药卡未获承保。这次，我协助他申请独立癌症保障，经过三次调整，终于获批，保单已生效。✅

▪️ 第一次：癌症基本计划＋人寿、TPD及其他重疾附加保障，未获承保。
▪️ 第二次：癌症基本计划＋人寿附加保障，仍未能落实。
▪️ 第三次：只申请癌症基本计划，终于获批。

癌症计划也属于重疾保障的一种。 以这份RM150,000基本保额为例：

🔹 早期癌症给付：RM45,000
🔹 早期癌症康复奖励：两次各RM15,000
🔹 早期癌症确诊满12个月后，癌症保额恢复至RM150,000
🔹 符合条件的癌症给付：RM150,000
🔹 五年康复收入：每年RM15,000
🔹 保障至80岁，并设有符合条件的满期给付及身故慰问金。

早期癌症确诊后12个月内申领癌症给付，须扣除已付的早期给付及康复奖励；癌症给付后，除康复收入外，其余保障终止。

谢谢朋友的信任。这份计划虽不能代替医药卡或涵盖所有重疾，但终于为他增加了一份癌症保障。

曾经被拒保，仍可了解其他保障的可能。 欢迎私讯我。

须如实申报健康状况，承保及给付以个别核保和保单条款为准。

【Don’t Lose Hope — A Medical Card Decline Doesn’t Mean You Have No Other Protection Options】In real situations, some peo...
05/10/2026

【Don’t Lose Hope — A Medical Card Decline Doesn’t Mean You Have No Other Protection Options】

In real situations, some people may have their medical card applications declined because certain health conditions do not meet the insurer’s medical underwriting requirements.

But a medical card decline doesn’t mean all types of insurance protection are unavailable.

🏥 A medical card mainly helps cover eligible medical expenses arising from illness or accidental injury. Different types of protection have different purposes and underwriting requirements.

For example, personal accident protection generally does not require medical underwriting.

Recently, I helped arrange protection that includes:

🛡️ Accidental Death / Total & Permanent Disability: RM300,000
Increases by 20% every 2 years, up to RM600,000

🧠 Coma Benefit: RM300,000
Covers qualifying coma caused by illness or accident

🏥 Accidental ICU Benefit: RM1,500/day
Up to 120 days per accident — a total benefit of up to RM180,000

💪 Outpatient Physiotherapy due to Accident: Up to RM3,000 per accident

🕋 Hajj / Umrah Additional Benefit
For Muslims, qualifying accidental death / TPD during Hajj or Umrah: additional RM60,000

🎊 Designated Festive Season Additional Benefit
Qualifying accidental death / TPD during designated festive periods: additional RM60,000

Of course, personal accident protection does not replace a medical card. They protect against different financial risks.

The message I want to share is simple:

A medical card decline doesn’t mean your protection journey has to end.

Instead of giving up after one decline, ask:

“Based on my current health condition, what risks can I still protect?”

One door closing doesn’t mean every door is closed.

Protect what you can, while you still can.

That’s what makes this New Business Success meaningful to me. 💪

Actual coverage, eligibility, definitions and claim conditions are subject to the relevant policy/certificate terms and conditions.

【别放弃希望，医药卡被拒保，仍有其它保障选择】现实中，有些人因为某些健康状况无法通过保险公司的健康核保，最终医药卡申请被拒。但医药卡被拒，不代表所有保险保障都不能申请。🏥 医药卡主要协助承担因疾病或意外受伤而产生的合资格医疗费用；不同类型的...
05/10/2026

【别放弃希望，医药卡被拒保，仍有其它保障选择】

现实中，有些人因为某些健康状况无法通过保险公司的健康核保，最终医药卡申请被拒。

但医药卡被拒，不代表所有保险保障都不能申请。

🏥 医药卡主要协助承担因疾病或意外受伤而产生的合资格医疗费用；不同类型的保障，有不同的申请条件和核保方式。

例如，个人意外保障一般不需要健康核保。

最近我就协助安排了一份这样的保障：

🛡️ 意外身故／完全及永久残疾：RM300,000
每2年增加20%，最高可达 RM600,000

🧠 昏迷保障：RM300,000
符合条款定义，疾病或意外导致的昏迷皆可保障

🏥 意外入住 ICU：RM1,500／天
最高120天，累计最高可达 RM180,000

💪 意外门诊物理治疗：最高 RM3,000／每次意外

🕋 Hajj／Umrah 额外保障
穆斯林朝觐期间，符合条款的意外身故／完全及永久残疾：额外 RM60,000

🎊 指定节庆额外保障
指定节庆期间，符合条款的意外身故／完全及永久残疾：额外 RM60,000

当然，个人意外保障不能取代医药卡，两者解决的是不同的风险。

我更想带出的重点是：

医药卡被拒，不代表保障规划就此结束。

与其因为一次拒保而放弃，不如再看看：

以自己目前的健康状况，还有哪些风险可以先保障起来？

一扇门关上，不代表所有的门都关上。
能保障的，先保障起来。

这也是这一次 New Business Success 对我而言真正有意义的地方。💪

实际保障范围、申请资格及赔付条件以相关保单／证书条款为准。

【From White Belt to Red Tip—Seven Gradings Along the Way】This afternoon, my eldest son passed his Taekwondo grading and ...
03/10/2026

【From White Belt to Red Tip—Seven Gradings Along the Way】

This afternoon, my eldest son passed his Taekwondo grading and progressed from blue belt to red tip. 🥋

Watching his progress brought me back to when he first started—in his first year of kindergarten.

Before enrolling him, I asked him several times:
“Do you really want to learn? Are you willing to focus, keep practising, and work towards a black belt?”

His answer was a firm yes.

I smiled at his confidence. At that age, he probably had little idea how much effort that journey would take. But he was interested, so I let him begin by learning, playing, and enjoying the sport.

When he entered Primary One, his classes moved from his kindergarten to a Taekwondo training centre.

The new environment and stricter training expectations took some getting used to.

I began reminding him more firmly:
“You can enjoy training, but you also need to focus and follow instructions. Every movement and technique takes practice.”

From white belt to yellow tip, yellow, green tip, green, blue tip, blue, and now red tip—he has completed seven gradings.

Along the way, there has been encouragement and firm correction. When he wasn’t taking training seriously or following the rules, I did scold him. There were moments of frustration and some tears.

As a father, I’m learning too—how to make my expectations clear while showing more patience.

What makes me proud is that he has continued training and working towards the next level.

That little boy’s “I want to reach black belt” is gradually becoming something he puts into action, one practice at a time.

A special thank you to Master Frankie and all his instructors for their patient guidance throughout this journey. From techniques to discipline, thank you for helping him progress, step by step, to where he is today.

Three more stages remain before his first-degree black belt. We’ll keep taking them one at a time.

Son, enjoy today’s achievement. Dad is happy you passed, and proud of the effort you’ve kept putting in over the years. ❤️

【从白带到红带尖，走过七次升级考试】今天下午，大儿子通过了跆拳道升级考试，从蓝带升上红带尖。🥋看着他的进步，我想起他刚开始学跆拳道的时候——那时，他才上幼儿园第一年。报名前，我问了他好几次：“你真的想学吗？愿不愿意专心练习，坚持到黑带？”他...
03/10/2026

【从白带到红带尖，走过七次升级考试】

今天下午，大儿子通过了跆拳道升级考试，从蓝带升上红带尖。🥋

看着他的进步，我想起他刚开始学跆拳道的时候——那时，他才上幼儿园第一年。

报名前，我问了他好几次：
“你真的想学吗？愿不愿意专心练习，坚持到黑带？”

他的回答很坚定。

当时我心想，真是“初生之犊不怕虎”。这么小的孩子，可能还不明白黑带需要付出多少努力。不过，既然他有兴趣，就让他从一边学、一边玩开始吧。

升上小学一年级后，训练地点从幼儿园换到了跆拳道训练中心。

新的环境、更严格的训练要求，对他来说，是一次适应和调整。

我也开始认真告诉他：
“训练时要专心，也要遵守纪律。想掌握每一个动作和技巧，就需要好好练习。”

从白带、黄带尖、黄带、绿带尖、绿带、蓝带尖、蓝带，到今天的红带尖，他已经走过七次升级考试。

这一路，有鼓励，也有严肃的提醒。当他训练不认真、没有遵守纪律时，我确实责备过他。他有过委屈，也哭过。

作为爸爸，我也在学习，怎样把要求说清楚，怎样在严格之余，多一点耐心。

让我欣慰的是，他依然继续训练，继续为下一个级别努力。

小时候那句“我要练到黑带”，如今正靠着一次次练习，逐步付诸行动。

也特别感谢 Master Frankie 及各位教练，一路以来的耐心教导。从动作、技巧到训练纪律，谢谢你们带着他一步一步进步，走到今天。

距离黑带一段，还有三个阶段。接下来，继续一步一步练，一关一关过。

儿子，今天值得为自己开心。爸爸为你通过考试感到高兴，也为你这些年来的坚持感到骄傲。❤️

Address

J-26-3A, Pusat Komersial Jalan Kuching, No. 115, Jalan Kepayang Off Jalan Kuching
Kuala Lumpur
51200

Telephone

+60164217421

Website

Alerts

Be the first to know and let us send you an email when Tie Ting Huat posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Tie Ting Huat:

Shortcuts

Share

Category