瑞琦理财小帮手 RxFinancial Consultant

27/11/2025

"She is worried about her apartment because it's not insured.“

We should know 8 blocks of Wang F*k Court, a Hong Kong apartments, was on fire since yesterday. It is a sad news and condolences to the victims and the families. But take a time to ponder what if such accident happened to us?

For example, this owner was worried, because she her apartment is not insured.
Do you have fire insurance and household insurance covered your house?
What if your neighbour's house on fire and spread to your house?

#瑞琦理财小帮手 #火险

26/11/2025

‼️AHAM PRS Campaign‼️
One more month before 2025 ends, quickly top up your PRS to get RM3,000 tax relief! AHAM is giving you a lucky draw token! If you don't have PRS account yet, contact me now!

WHY PRS?
Relying on EPF is not enough for a comfortable retirement. Invest into Private Retirement Scheme to enhance your retirement life. You also get RM3,000 tax relief, which reduce your tax payable. It is a Win-Win strategy!

#瑞琦理财小帮手

24/11/2025

14/11/2025: I had the privilege to give CPD training to Real Estate Agent (REA). Happy to know that some agents have more than 10 years experience still learn something from my sharing.

08/09/2025

不需要身体检查都可以upgrade医药保单（只限AIA客户）。
还等什么？这样的活动不常有。快点联系我！

Upgrade your medical plan without health declaration (only for AIA customers)?
What are you waiting for? Such good campaign is not forever. CONTACT ME NOW!

#瑞琦理财小帮手 #医药保单

03/09/2025

Her baby got fetal distress (not enough oxygen before labour), hence she has to go for C-sec and baby was admitted into NICU after that. C-sec has costs her RM12k+ and the baby RM14k+. Before that, they had bought a baby plan for this baby, so was able to claim max RM7.5k of the max amount of the package they bought.

31/07/2025

No proper estate planning caused children to fight over the inheritance!

In Malaysia, if it was clearly state why the daughter was excluded from the estate distribution and "reasonable compensation" was clearly explained, this court case can be avoided. According to Malaysia Will law, there is more freedom in estate distribution than China.

Estate planning must be done properly and Will writing should be as clear as possible.

#瑞琦理财小帮手 #遗嘱规划 #遗产规划

The dramatic case has since gone viral in China.

19/05/2025

WHY BUY INSURANCE FOR YOUR BABY DURING PREGNANCY (PRENATAL)?

ADVANTAGES:
1. No underwriting required for the baby
👉 If the baby is diagnosed with congenital conditions, the medical plan will still provide coverage—only the congenital condition will be excluded.
👉 However, if you wait until after birth, the baby might not qualify for a medical insurance plan at all.

2. Get early coverage—even before birth
👉 Enjoy special benefits for congenital conditions.
👉 Receive a lump sum payout or reimbursement for hospitalisation and treatment costs related to congenital conditions, within a specified period.

3. Coverage for jaundice, ICU/NICU/HDU admissions
👉 Baby care rider provides early protection against high-cost treatments such as jaundice or intensive care stays.
👉 FYI: Most medical plans have a 30-day waiting period. With a baby care rider, if serious conditions arise immediately after birth requiring ICU/NICU/HDU care, the insurance can help reimburse the medical expenses.

4. Dual protection for both mother and baby
👉 Covers pregnancy complications and death, offering peace of mind during this crucial time.

REAL CASE SHARING:
One of my clients' baby was born prematurely—one month early. The baby required jaundice treatment, and the family successfully claimed RM1,463.05 under the baby care rider. Without this insurance, all the RM7.5k (not including the delivery cost) would be at own cost.

09/05/2025

“一个月前，她听信朋友的话，认为买保险是多余的...“

不要觉得买保单是多余的。这样的真人真事我本身都听了不少。Agent叫你不要断保并不是因为commission的问题（真的不是）。先问当初为什么买下这份保单，是为了agent还是为了自己？

《我不退》：一份保单的故事，一生的教训

曾经，有一份重大疾病保险摆在我面前，我却选择了退保。当疾病降临时，我才追悔莫及。人世间最痛苦的事，莫过于此。

如果上天能给我再来一次的机会，我会对那份保单说三个字：“我不退。”我还要对我的保险顾问说一句话：“再买100万！”

一通电话，打破了晨会的平静

晨会刚刚结束，办公室里一片忙碌。突然，电话铃声急促响起，前台客服接起电话，电话那头传来一位女士哽咽的声音：“我老公最近总是觉得不舒服，上周去医院检查，结果确诊是肝癌……”

她的声音几乎要哭出来：“我上个月刚把他的那份保险退了。我想问，现在把钱补上，还能赔30万吗？”

误信朋友之言，执意退保

原来，这位客户之前为丈夫投保了30万元保额的重大疾病保险。但一个月前，她听信朋友的话，认为买保险是多余的，便来到公司办理了退保手续。当时，客服人员多次劝她不要轻易放弃这份保障，但她坚持说：“老公不让我买，再买他要闹离婚了！”

现在，面对突如其来的疾病，她才意识到那份保单的价值。

真实案例，警示世人

类似的故事并非个例。据报道，L先生曾因经济压力考虑退保，幸好在保险顾问的劝说下打消了念头。不久后，他被诊断出患有内分泌恶性肿瘤，最终获得了15万元的重大疾病保险金和医疗费用报销，保单继续有效。

保险的意义：为未来的不确定性提供保障

保险的本质是为未来的不确定性提供保障。它不是负担，而是一份责任，是对自己和家人的关爱。在风险来临之前，拥有一份合适的保险，可以让我们在面对疾病或意外时，减少经济压力，专注于康复。

请珍惜手中的保单，慎重对待退保决定

退保不仅意味着失去保障，还可能带来经济损失。根据《保险法》，退保时只能退还保单的现金价值，而非已缴纳的全部保费。尤其是在保单前几年，现金价值较低，退保可能导致较大损失。

24/03/2025

有听过医药保单能每年给你身体检查津贴吗？想要了解就联系我吧！
Do you have a medical plan that can claim health screening and vaccination every year? Contact me to know more!

#瑞琦理财小帮手 #医药保单

12/02/2025

Recently, many have gotten their influenza A vaccination. If you have AIA A-Plus Health, you can claim up to RM500 for vaccination from Health Wallet.

A-Plus Health Influenza coverage:
✅️ Hospitalisation (even if turned to pandemic)
✅️ Outpatient treatment (pay and claim)
✅️ Vaccination (up to RM500 from Health Wallet)

最近，许多人已接种甲型流感（Influenza A）疫苗。
如果您拥有 AIA A-Plus Health，您可从Health Wallet报销最多RM500的疫苗接种费用。

A-Plus Health 甲型流感保障：
✅ 住院保障（即使流行病化Pandemic仍可索赔）
✅ 门诊治疗（先支付后理赔）
✅ 疫苗接种（可从Health Wallet报销最多RM500）

#瑞琦理财小帮手 #医药保单 #甲流感 #流感 #流感疫苗

05/02/2025

Everyone must know that there are three types of waiting periods for newly purchased insurance policies:

1. Within the first 30 days, hospitalization or treatment is not covered, except for accidents.
2. Within the first 120 days, hospitalization or treatment for specific illnesses is not covered. For example, heart issues, ENT problems, tumors, stones or ulcers, spinal or knee issues, and other chronic diseases are not covered.
3. Within two years, if there is hospitalization or treatment due to illness, the insurance companies has the right to investigate whether the illness existed before purchasing the insurance (pre-existing condition). Therefore, they may temporarily reject the Guaranteed Letter (GL), and the insured must pay first. Claims can only be made after it is proven that the illness was not pre-existing.

Conclusion: It is best to purchase medical insurance as early as possible, and when upgrading a medical policy, remember to check if the waiting period restarts.

05/02/2025

大家必须知道，新买的保单，有三种冷却期。
1. 30天内除了意外事故，入院或治疗是不保的。
2. 120天内若因特定的疾病入院或治疗是不保的。例如：心脏问题，耳鼻喉问题，肿瘤、结石或生疮，脊椎或膝盖等即可能会是慢性疾病的都不保。
3. 在两年内若有因疾病入院或治疗，保险公司有权力调查此疾病是不是在买保险前就存在（已有疾病）。所以会暂时拒绝Guaranteed Letter (GL)，受保人需要自己先出钱，到调查后证明不是已有疾病才能索赔。

结论：医药保单最好就是早买，而且在提升医药保单时记得要检查冷却时间是否从来。

#瑞琦理财小帮手 #医药保单 #医药保单冷却期