Medical Cards & Savings Plan - Huey Yi

12/06/2025

- Case Sharing -

🌸 "I'm really thankful I got my medical card earlier..."
This is what one of my young clients told me just last week.

She’s in her 20s — healthy, energetic, just like most young adults.
At the end of 2022, she decided to get a medical card with me because she didn’t have one at the time. She told me, “I just want to protect myself, in case anything happens.”

Fast forward to early 2025, she suddenly had severe stomach pain and bloating.
She went to Sunway Medical Emergency, and after tests and a referral to the gynae, the doctor confirmed she had an ovarian cyst.
She called me immediately to ask about the admission process. I helped her arrange everything — she was admitted, went through surgery, and was discharged smoothly.
💰 That procedure alone cost around RM5,400 — fully covered by her medical card.

Then in May, she experienced stomach issues again.
The clinic doctor gave her a referral letter for a colonoscopy.
Once again, she reached out, I guided her to request GL (Guarantee Letter) under daycare, and thankfully it was approved. She completed the procedure and went home the same day.
💰 This time, the bill was around RM4,800 — also covered.

Last week, she messaged me and said:

"Thank God I got the medical card early.
If not, I might have to use my savings… or worse, borrow money from my parents.
I really didn’t want to be a burden to them if I ever got sick."
✨ And that was the exact reason she signed up two years ago.

Here’s the reality:
Many young people feel "I’m still healthy" or
"My company already gives me coverage",
so they push insurance aside — until something happens.

But let me ask you this 👇
Can you choose when you get sick?
Or what illness you'll get?

This is just one real story.
More coming soon — because real life doesn’t wait.
And neither should your protection.

23/05/2025

💡 Do You Have a Complete Financial Plan?

Most people only focus on saving money or buying insurance… but true financial stability goes beyond that. 🔍

Let me introduce you to the Financial Planning Pyramid — a simple way to understand the 3 key stages of managing your money for the future:

🔵 1. Wealth Protection
This is the foundation. If anything unexpected happens (accident, illness, or even job loss), how will your family cope?
✅ Insurance coverage
✅ Medical protection
✅ Emergency fund

🔷 2. Wealth Accumulation
Once your foundation is secure, start growing your money.
✅ Saving for education or retirement
✅ Buying your first home
✅ Investing for life goals like travel or business

🔹 3. Wealth Distribution
You’ve worked hard your whole life. Make sure your loved ones are protected when you're gone.
✅ Estate planning
✅ Will & trust
✅ Business succession planning
✨ A complete financial plan covers ALL 3 stages — not just one.

Want to find out which stage you're in and how to move to the next level?

14/05/2025

Did You Know?
In Malaysia, someone loses their life in a road accident every 1 hour and 56 minutes.🚨🚨

Transport accidents remain the 4th leading cause of death in the country as of 2024.
Worrying, 15 to 40 age group is the most affected.😨😨

Are you protected with Personal Accident (PA) coverage?
Accidents are unpredictable — protection shouldn’t be.

20/04/2025

First-Time Home Buyers, Don’t Miss This! MRTA vs MLTA — What’s the Difference?

Buying your first home? Congratulations!
But before you sign that loan agreement… do you know the difference between MRTA and MLTA?

Choosing the right one can protect both your home AND your loved ones.

MRTA (Mortgage Reducing Term Assurance):

🟢Basic protection — covers your home loan only
🟢Beneficiary is the bank
🟢One-time payment, often added into your loan
🟢Cheaper, but not flexible if you refinance later
🟢Your family gets the house, but no extra cash

MLTA (Mortgage Level Term Assurance):

🟢Covers your loan and provides cash value + savings
🟢Beneficiary is your family
🟢You pay monthly/yearly — more flexible
🟢Transferable if you refinance or buy another house
🟢Your family gets the payout, clears the loan, and keeps the extra cash!

Still confused which is better for you?
Drop me a message — I’ll explain based on your situation and budget.

07/04/2025

Protect yourself before Problem Arise.

Do you know you might be at risk without even knowing it?

Are your insurance facing the below problems?

Don't wait until it's too late, just a simple check you can have your peace of mind 😊

03/04/2025

02/04/2025

20/02/2025

💉 AIA客户福利来了！疫苗费用可以Claim！ 🎉

你知道吗？如果你是AIA的客户，持有Health Wallet的医药卡，疫苗接种和身体检查的费用都可以报销！ 😍💰

🔍 如何查询你的Health Wallet余额？
1️⃣ 打开AIA+ App
2️⃣ 找到e-cards，点击进入医药卡
3️⃣ 选择Health Wallet，即可查看余额 ✅

📢 赶紧检查你的Health Wallet余额，不要浪费了这项福利！ 让你的健康投资物有所值 💪

👇 还不知道怎么Claim？快来私信我吧！📩 💬

12/02/2025

What are the differences between medical card and Critical illness coverage? 🤔

10/11/2024

Upgrade Your Medical Plan with AIA!

Campaign Period: **16 Aug 2024 - 30 Nov 2024**

🌟 **Exclusive Upgrade Offer for Selected Customers** 🌟

This is your chance to enhance your protection with an **exclusive medical upgrade offer**. Take advantage of our **Guaranteed Acceptance Offer** — no medical check-up, underwriting, or waiting period required!

# # # Eligible Plans for Upgrade:
1. **Conventional Products** (underwritten by AIA Bhd.)
- Upgrade your Life Coverage with up to **RM100,000** assured/covered
- Plans include: A-Life Link 2, A-Plus Health 2, and more.
- Upgrade your Critical Illness Coverage with up to **RM50,000** assured/covered
- Options like A-Plus Critical Care, A-Plus Beyond Critical Shield, and more.

2. **Takaful Products** (underwritten by AIA Public Takaful Bhd.)
- Life Coverage upgrade to A-Life Idaman or A-Plus Health Flex-i.
- Critical Illness Coverage upgrade to A-Plus Critical Shield-i and others.

# # # Special Offer (valid till 30 Sep 2024):
- Enjoy **unlimited annual limits** on A-Plus Health 2 and A-Plus Health Flex-i.
- Guaranteed acceptance when you upgrade to **RM100,000 Life Coverage** and **RM50,000 Critical Illness Coverage**.

# # # Additional Benefits:
- **Better Coverage**: Higher annual limits, health rewards, and wallet benefits with AIA Vitality.
- **Simplified Process**: No medical exams, underwriting, or waiting periods.
- **Rewarding Experience**: More benefits with **Life Rewards**.

Choose your deductible:
- **RM500 Deductible per Disability**
- **RM500 Deductible with SMART Option per Disability**

**Don’t miss out! Upgrade now to enjoy comprehensive protection for a healthier, longer, and better life!**

*Terms and conditions apply.*

03/09/2024

Implementation of Co-payment Requirements for Medical and Health Insurance and Takaful Products

1. With effect from 1 September 2024, insurers and takaful operators (ITOs) must offer consumers an option to purchase MHIT products with a co-payment feature.
2. Consumers who have already purchased MHIT products without a co-payment feature can continue with their existing MHIT products at renewal.
3. ITOs can also continue to offer MHIT products without a co-payment feature to new consumers.

For more info: https://www.bnm.gov.my/-/mhit-req-en