Renee Ng Insurance Solutions

27/08/2026

有一种支持，不一定是第一次就选择我。
Some support doesn’t begin with choosing me the first time.

而是兜兜转转之后，还是回来找我。❤️
Sometimes, after going around, they still come back to me. ❤️

最近有一些顾客，之前曾经在别的地方购买保险，
Recently, some clients who previously purchased their insurance elsewhere,

到了续保、需要处理事情，或想重新了解保障时，
when it was time for renewal, assistance, or a proper review,

还是回来找回我。
they chose to come back to me.

对我来说，这份信任真的很珍贵。
To me, this trust means a lot.

因为我一直相信，保险不只是做一张 quotation、卖一份保单。
Because I’ve always believed insurance is more than just preparing a quotation or selling a policy.

真正的服务，是买了以后，你需要我的时候，我还在。
Real service means that even after the policy is purchased, I’m still here when you need me.

更感恩的是，很多生意都是——
And what I’m even more grateful for is that many of my clients come from—

顾客介绍顾客。
Clients referring other clients.

一句「你找 Renee，她会帮你处理」，
A simple “You can look for Renee, she’ll help you,”

对我来说，就是很大的肯定。🙏🏻
is one of the greatest compliments I can receive. 🙏🏻

谢谢每一位一直支持我的顾客，
Thank you to every client who has continued to support me,

也谢谢每一位愿意把家人、朋友介绍给我的你。
and everyone who has trusted me enough to refer your family and friends.

生意可以靠价格开始，
但长久的关系，靠的是服务与信任。 ❤️
Business may begin with price,
but long-term relationships are built on service and trust. ❤️

— Renee
Insurance Solution

27/08/2026

🇲🇾 国庆限定 · MERDEKA SPECIAL 🇲🇾

这个国庆，我想送的不是 Voucher，
而是一份真正用得上的「安心」。❤️
This Merdeka, instead of giving a voucher,
I’d like to give you something more meaningful — protection & peace of mind. ❤️

🚗 我们每年都会记得帮车 Renew Insurance，
但别忘了，开车的你，也一样需要保障。
🚗 Every year, we remember to renew our car insurance,
but don’t forget — the person behind the wheel needs protection too.

🎁 国庆限定回馈｜Merdeka Limited Reward
活动期间，符合指定条件的 Motor Insurance 客户，
我将送你 1年指定个人意外保障（PA）！
During this campaign, eligible Motor Insurance customers will receive 1 Year Personal Accident Protection (PA) from me!

✨ 限量20份 · 送完即止
✨ Limited to 20 only · First come, first served

📅 活动期间 Campaign Period：
1/8/2026 – 16/9/2026 🇲🇾

从国庆日到马来西亚日，
让我们不只庆祝自由，也为自己和家人多准备一份保障。❤️
From Merdeka Day to Malaysia Day,
let’s celebrate freedom while protecting what matters most — ourselves and our loved ones. ❤️

车有保障，人也要有保障。
Protect the car. Protect the driver too.

📲 017-687 2828
Renee Insurance Services

适用资格、保障范围及条款以正式保单及活动条件为准。
Eligibility, coverage and terms are subject to the official policy and campaign conditions.

#保险 #车险 #意外保障

18/08/2026

你有多久，没有认真打开自己的保单看一看了？
How long has it been since you last reviewed your insurance policies?

很多人的人寿、重大疾病、Medical Card，一买就是5年、10年，甚至20年。
Many Life, Critical Illness and Medical Card policies were purchased 5, 10, or even 20 years ago.

没发生事情的时候，我们总觉得：“有买就好了。”
When nothing happens, we often think, “As long as I have insurance, I should be fine.”

但真正需要用到的时候，才发现——原来“有买”和“买够”，是两回事。
But when you actually need it, you may realise — having insurance and having enough insurance are two different things.

最近听到一个案例，让我感触很深。
I recently came across a case that really made me think.

一位顾客当初只是想着有保险就好，所以大约准备了 RM100,000 的保障。
A customer simply wanted to have some insurance, so around RM100,000 in coverage was prepared.

没想到保单过了 Waiting Period 后不久，就被确诊癌症。
Not long after the waiting period had passed, the customer was diagnosed with cancer.

那时候才感叹：“早知道，我就买多一点……”
That was when the customer said, “If I had known, I would have bought more…”

RM100,000 当然有帮助，重点是——对你的家庭来说，够吗？
RM100,000 can certainly help, but the real question is — is it enough for your family?

因为重大疾病影响的，可能不只是医疗费，还有收入中断、家庭开销、房贷车贷，以及康复期间的现金流。
Critical illness may affect more than medical expenses — it can also mean loss of income, family expenses, financial commitments and recovery costs.

所以保险真的不要“随便买一个数目”。
That’s why insurance shouldn’t be based on a random amount.

适合别人的 RM100K，不一定适合你。
RM100K may be suitable for someone else, but not necessarily for you.

如果你的保单已经很多年没有 Review，或者以前的 Servicing Agent 已经联络不上，也没关系。
If you haven’t reviewed your policies for years, or you can no longer reach your previous servicing agent, that’s okay.

无论你是哪一家保险公司的保单，我都可以免费帮你做一次保单检视。
Regardless of which insurance company your policy is from, I can help you with a complimentary policy review.

不是叫你一定要买新的，而是先让你真正看懂：我现在有什么？够不够？有没有保障缺口？
It’s not about asking you to buy something new — it’s about understanding: What do I have? Is it enough? Are there any protection gaps?

📩 想做免费保单检视，私讯我 「REVIEW」。
📩 For a complimentary policy review, DM me “REVIEW”.

保险，不是买了就好；买对、买够，更重要。
Insurance isn’t just about having it — having the right coverage matters.

17/08/2026

Perjalanan yang selamat bermula dengan perlindungan terbaik untuk si kecil.

Jangan sesekali memandang ringan aspek keselamatan anak di dalam kenderaan. Gunakan Kerusi Keselamatan Kanak-Kanak (CRS) yang bersesuaian dengan umur, berat dan ketinggian anak setiap kali memulakan perjalanan.

Ingat, pelukan ibu bapa bukan pengganti CRS ketika berlaku kemalangan. Satu keputusan yang betul hari ini mampu menyelamatkan nyawa pada masa hadapan.







🔄 Kongsikan kepada rakan dan keluarga agar semua lebih peka di jalan raya

17/08/2026

AWAS! Jangan Memotong di Garisan Berkembar
Garisan berkembar bukan sekadar cat di atas jalan, tetapi isyarat bahaya yang menandakan kawasan berisiko tinggi untuk memotong.

Satu tindakan terburu-buru boleh mengundang kemalangan yang meragut nyawa.







🔄 Kongsikan kepada rakan dan keluarga agar semua lebih peka di jalan raya

17/08/2026

人在国外突然进 ICU，需要筹 RM300,000 才能继续治疗、安排回家……
Imagine being overseas, suddenly admitted to ICU, and needing RM300,000 for treatment and the journey home…

原本只是一趟旅行，谁也没想到，会突然发生严重脑出血。
What started as an ordinary trip suddenly turned into a serious medical emergency.

人在国外，最让家人担心的不只是病情。
When a medical emergency happens overseas, the illness itself isn’t the family’s only concern.

还有 ICU、住院、治疗费用，以及情况严重时可能需要的医疗运送。
There may also be ICU and hospital bills, treatment costs, and even medical evacuation when necessary.

这也是为什么我一直觉得——
This is why I always believe—

Travel Insurance 真的不只是赔航班延误和行李。
Travel Insurance is about much more than flight delays and luggage.

✈️ 海外医疗费用 Overseas Medical Expenses
🏥 紧急医疗支援 Emergency Medical Assistance
🚑 紧急医疗运送 Emergency Medical Evacuation
🏠 Repatriation 回国安排

这些平时觉得“应该用不到”的保障，
These are benefits we often think we’ll never need,

真正遇上紧急情况时，却可能帮一个家庭减轻很大的经济压力。
but during a real emergency, they may help relieve a huge financial burden on the family.

很多人也会问：
Many people also ask:

“我已经有 Medical Card，还需要 Travel Insurance 吗？”
“I already have a Medical Card. Do I still need Travel Insurance?”

Medical Card 主要处理医疗保障，但海外保障范围、地区及赔偿条件需要看自己的保单。
A Medical Card mainly provides medical coverage, but overseas benefits, geographical limits and claim conditions depend on your policy.

Travel Insurance 则是针对旅程期间可能面对的风险，包括符合条件的海外医疗及紧急医疗运送等保障。
Travel Insurance is designed for risks during your journey, which may include eligible overseas medical expenses and emergency medical evacuation.

不是哪一份比较重要，而是不同保障解决不同的问题。
It’s not about which one is more important—different protection serves different needs.

我们无法预测明天会发生什么，
We can’t predict what tomorrow may bring,

但出发之前，可以先把该准备的准备好。❤️
but before we travel, we can make sure we’re prepared. ❤️

平安出发，平安回来，才是每一趟旅程最好的结局。
Leaving safely and coming home safely is the best ending to every journey.

出国前，别忘了检查自己的保障。
Before travelling, don’t forget to review your coverage.

想知道自己的 Travel Insurance 到底保障什么，可以找我一起看看。
If you’d like to understand what your Travel Insurance actually covers, feel free to check with me.

保障范围、赔偿金额、条件及不受保事项以实际保单条款为准。
Coverage, benefits, terms and exclusions are subject to the actual policy wording.

#旅游保险 #海外医疗 #医疗专机 #保险知识 #风险管理 #出国旅行

17/08/2026

🔥 一场火，可能几个小时就把一个家烧掉。
🔥 A fire can destroy a home within just a few hours.

看到这则新闻，我第一时间想到的不是“有没有买保险”，而是：
When I saw this news, my first thought wasn’t just whether the owner had insurance, but:

你的房子有 Fire Insurance，但你真的买对了吗？
Your house may have Fire Insurance — but is the coverage actually right?

很多屋主买了房子以后，Fire Insurance 一放就是很多年。
Many homeowners leave their Fire Insurance untouched for years after buying their property.

但你知道自己的保单：
But do you actually know:

🏠 Building Sum Insured 够不够？
🏠 Is your Building Sum Insured sufficient?

🔥 保障范围是什么？
🔥 What exactly does your policy cover?

💰 如果房子严重烧毁，保额够不够重建？
💰 If your home is badly damaged, is the insured amount enough to rebuild it?

📄 银行安排的 Fire Insurance，和你真正需要的保障是否一样？
📄 Does the Fire Insurance arranged through your bank actually match what you need?

很多时候，不是**“有没有保险”**的问题，
Sometimes, the issue isn’t simply “Do I have insurance?”

而是出事的时候才发现——
It’s discovering only after something happens that—

原来自己的保障并没有想象中那么完整。
your protection wasn’t as complete as you thought.

如果你是屋主，不确定自己的 Fire Insurance 有没有买对，
If you’re a homeowner and you’re unsure whether your Fire Insurance is properly arranged,

📩 可以把现有保单发给我，我可以帮你做一次 Policy Review。
📩 Send me your existing policy and I can help you review it.

先看清楚，再决定需不需要调整。
Understand your coverage first, then decide whether anything needs to be changed.

阿仪 Renee｜Insurance Solution
预防风险教育者 · General Insurance

车子被烧得只剩外壳……
#中国报

17/08/2026

你是不是到现在，还没有一份 Medical Card？
Do you still not have a Medical Card?

Life Insurance 也还没有开始？
And haven’t started your Life Insurance planning either?

很多人不是不知道保险重要，
Many people know insurance is important,

而是总觉得：「迟一点再买。」
but always think, “I’ll get it later.”

可是我们可以等，意外不会等。
We can wait, but accidents won’t.

如果你目前还是处于「零保障」的状态，
If you currently have no protection at all,

至少可以先了解一份属于自己的意外保障。
you can at least start by understanding accident protection.

PA FLEX Plan 7 提供高达 RM1,000,000 意外身故保障，
PA FLEX Plan 7 provides RM1,000,000 Accidental Death coverage,

永久伤残保障最高 RM1,000,000，
Permanent Disablement coverage of up to RM1,000,000,

意外医疗费用最高 RM10,000。
Medical Expenses due to accident of up to RM10,000.

Class 1 & 2 年保费 RM1,415*，
Annual premium for Class 1 & 2 is RM1,415*,

平均一天大约 RM3.88。
That works out to about RM3.88 a day.

当然，PA FLEX 不是 Medical Card，也不是 Life Insurance。
Of course, PA FLEX is not a Medical Card or Life Insurance.

它不能取代完整的医疗、人寿和重大疾病规划。
It does not replace comprehensive medical, life or critical illness planning.

但保障这件事，不一定要等到「全部准备好」才开始。
Protection doesn’t have to wait until everything is “perfectly ready.”

可以先了解自己的风险，再一步一步把保障补起来。
Start by understanding your risks, then build your protection step by step.

如果你目前没有 Medical Card / Life Insurance，想知道 Plan 7 是否适合你，
If you currently don’t have a Medical Card / Life Insurance and want to know whether Plan 7 suits you,

📩 PM我 “PLAN 7”。
📩 DM me “PLAN 7”.

我可以先帮你了解，不一定要买。
I can help you understand it first — no obligation to buy.

*Before service tax & stamp duty. Terms, conditions and exclusions apply.

17/08/2026

做 General Insurance，当然是做生意。
Running a General Insurance business is, of course, a business.

我们需要赚钱，也有 Commission。
We need to earn, and yes, there is commission.

赚钱，没有错。
There is nothing wrong with making money.

但我越来越觉得，真正能让客户留下来的，不只是价格。
But I’ve come to realise that what keeps clients coming back isn’t just the price.

而是我们有没有真正为客户提供价值。
It’s whether we can genuinely provide value to our clients.

最近帮客户 Review 保单，才发现之前的 Chassis Number 和 Engine Number 都填错了。
Recently, while reviewing a client’s policy, I discovered that the Chassis Number and Engine Number had both been entered incorrectly.

还有客户问我：
Another client asked me:

“为什么你的 quotation 比之前贵？”
“Why is your quotation more expensive than before?”

所以我没有急着成交，而是先帮他检查之前的保单。
So instead of rushing to close the sale, I reviewed the previous policy with him first.

看看保障到底有什么不同。
We looked at what was actually different in the coverage.

因为对我来说，Commission 是工作的回报。
Because for me, commission is the reward for the work I do.

但 Value，是我想带给客户的。
But value is what I want to bring to my clients.

Service，是我想坚持的。
Service is what I want to consistently provide.

Trust，是我想慢慢建立的。
Trust is what I want to build over time.

保险不是单纯比较谁比较便宜。
Insurance isn’t simply about comparing who is cheaper.

真正重要的是，你买的保障是什么。
What truly matters is understanding what coverage you are actually buying.

以及在真正需要的时候，有没有人愿意帮你看、帮你解释、帮你跟进。
And when you really need help, whether there is someone willing to review, explain and follow up for you.

这，才是我想做的 General Insurance。
That’s the kind of General Insurance service I want to provide.

#普通保险 #保单检视 #保险服务