SE4 Andrea Agency of Sapphire Group Miri

06/06/2026

Siapa yang tak layak dapat pusaka?

29/05/2026

To all our clients who has up to RM1000 credits under “No Claim Benefits” under your medical plan, are you planning to get a flu vaccine?

If yes, get your vaccine. Pay & claim via your PruServices or get help from your servicing agent.

If neither ways work for you, please DM to us for assistance.

rewards policy holder for staying healthy throughout a claim-free year. The credits can be utilised for
✅ medical checkup
✅ diagnostic test
✅ vaccination,
✅ health subscription programme

For more info :
https://www.prudential.com.my/en/services-and-claims/claims/no-claims-benefit/

Health experts are urging high-risk adults in Malaysia to get vaccinated against influenza, warning that too few are protected despite strong public awareness and positive attitudes towards the flu vaccine.

The call comes ahead of the country’s mid-year influenza season, with medical groups cautioning that older adults and those with chronic diseases remain vulnerable to severe complications from influenza infections.

A 2025 nationwide survey involving 672 Malaysians aged 60 and above found that while 74 per cent were aware of influenza and 76 per cent viewed vaccination positively, only 29 per cent had ever received the vaccine.

Of that group, only about half said they received the influenza shot annually.

21/05/2026

The more you have, the more you have to plan to ensure your wealth stays in your family.

What do you think?

07/05/2026

There are many things beyond control.
Plan well on things we can control.

04/05/2026

“My child only need medical card, other benefits, please do not include”. I often get this kind of response from my client.

Why I proposed critical illness coverage for your child? Only these 2 reasons :

1. Critical illness in children as young as from birth has becoming more common. Not due to lifestyle and exposure. Some due to family genetics, some are not.

2. For your “career detour” as a parent. Means, we might need to have a change in our existing career, in order to stay with our kid during recovery period. Maybe 3mths, 6mths, or beyond?

If you love your family, reach out to us to understand more.

“What we would hope is that the timeout is not seen as a loss or a sacrifice. It is seen as a detour in which you gain something priceless and invaluable, which is your family,” says Minister Indranee on the Work It podcast. https://cna.asia/48AciIK

27/04/2026

The child was left with cerebral palsy and quadriplegia, unable to care for himself for life.

⁠(Link in comments)

13/04/2026

This is how much we paid out. Of course there are still many saying“insurance didn’t pay”. Yes, we don’t pay when it’s not eligible.

sick due to illness, not eligible under accident coverage plan

Admission due to URTI, not eligible under critical illness plan

Cancer treatment is not eligible under Life and Total Permanent Disability plan

Which plan should you get? Discuss with your wealth planner Today, or DM us to set an appointment.

17/03/2026

Bravo 🙌

02/02/2026

Pesakit merayu untuk di”stent” tapi rayuan DITOLAK.

Baru-baru ini dapat seorang pesakit berumur 50-an. Dia datang KL bercuti. Bila berjalan di kawasan berbukit di KL dia kata dadanya berat dan pernah dia kata dadanya pernah sesak sampai rasa terlampau lemah. Bila ada simptom macam tu, lepas dia duduk diam, sakit dada tu akan hilang selepas beberapa minit, tetapi ada juga sampai tertidur juga sakit nya tak hilang.

ECGnya tak normal tetapi takdelah juga ketara ada masalah jantung.

Dalam hati saya, dah memang confirm lah ada saluran yang sempit. Saya offer dia untuk menjalani ujian treadmill (stress test) untuk membuktikannya tapi saya cakap lebih baik buat terus angiogram sebab hampir confirm dia akan gagal stress test.

Tiba-tiba dia kata tak perlu stress test, terus buka cerita.

Cerita punya cerita rupa-rupanya dia pernah diserang sakit jantung 10 tahun dulu. Ubat cair darah dia makan, tetapi ubat kolesterol dia culas. Ok senang kerja saya. Terus saya kaunselling terus untuk angiogram dengan tujuan rawatan angioplasty.

Hari keesokkannya, saya buat angiogramnya.

Fuh… dalam masa 30 saat pertama saya dah tahu dia takkan menjalani rawatan stent hari tu. Bukan sebab takde kesempitan yang teruk, tetapi sebab terlampau teruk.

Kesempitan yang hampir “mewajibkan” bypass kelihatan di saluran pangkal “left main stem”. Selain tu kesempitan yang teruk kelihatan di kesemua salurannya yang lain.

Saya anggarkan dia akan memerlukan hampir 6 stent untuk selesaikan kesemua kesempitannya.

Saya memberitahu pesakit tersebut keadaan jantungnya. Saya cakap, saya akan berhentikan prosedur dulu dan rujuknya kepada pakar bedah untuk rawatan pembedahan bypass. Muka dia pucat habis, walaupun saya menerangkan kebaikan bypass untuk kes yang teruk sepertinya.

Dia merayu untuk dimasukkan stent, tetapi saya tetap berhenti.

Saya terangkan yang bukan dia tak boleh menjalani rawatan stent tetapi secara biasanya, stent yang begitu banyak terutamanya melibatkan saluran “left main stem” takkan bertahan lagi lama dari bypass, dan oleh kerana dia masih muda, dia perlu fikirkan keputusan jangkamasa panjang.

Lagipun dalam keadaan yang cemas macam tu, pesakit takkan dapat buat keputusan yang tepat…

Berhenti dulu. Rujuk ke pakar bypass. Jika pesakit tolak juga bypass walaupun sudah diberikan kaunselling dengan pakar bypass baru saya akan menerimanya balik untuk rawatan stent yang kurang afdal untuk keputusan jangkamasa panjang. Sekurang-kurangnya pesakit dikira sudah “berdamai dengan takdir” andaikata ada masalah dengan stent pada masa hadapan….

Sorry kalau post ni panjang, tapi saya memang pasti yang ramai pesakit jantung pernah menjalani situasi yang sama. Merayu untuk satu rawatan yang simple tapi di”tolak” ke rawatan yang pedih…

Ni gambar yang saya lukis untuk pesakit tersebut untuk explain keputusan saya untuk menolak rayuannya…

14/01/2026