31/05/2022
๐๐๐๐ ๐๐๐๐ ๐๐๐๐ ๐๐
'๐ ๐๐๐๐ ๐๐ ๐๐๐๐ ๐๐๐?
She was diagnosed recently with Non Hodgkins Lymphoma at 24.
Before her symptoms came out, she was almost never sick, she was very active (athlete, leader, homemaker).
Her symptom? PERSISTENT COUGH lang po. It started like a normal cough, until it wasn't.
The sad thing is that it took us 9 months to know her real condition. Medications, laboratories, Scans, were done right away, but still diagnosis took long.
Imagine the 9 months of medical bills, and meds to take.
๐ป๐๐๐๐ ๐ฎ๐๐
, ๐๐ ๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐, ๐๐๐๐๐๐๐๐๐, ๐๐๐
๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐
๐๐๐๐๐๐
๐.
Another good thing is, my sister had
1. Sufficient Emergency Fund
2. HMO (c/o her company)
3. Critical Illness Coverage from Sun Life
At 23, she started all these. She is a Dakilang Kuripot, Yes! But, she also had budget for YOLO moments.
Story
๐๐ก๐ ๐ ๐จ๐ญ ๐ก๐๐ซ ๐๐ซ๐ข๐ญ๐ข๐๐๐ฅ ๐๐ฅ๐ฅ๐ง๐๐ฌ๐ฌ ๐๐จ๐ฏ๐๐ซ๐๐ ๐ ๐๐๐ซ๐ฅ๐ฒ, but who would have thought that she will be diagnosed with Critical Illness young?
When her symptoms came out, she was still ๐ฎ๐ง๐๐๐ซ ๐๐จ๐ง๐ญ๐๐ฌ๐ญ๐๐๐ข๐ฅ๐ข๐ญ๐ฒ ๐ฉ๐๐ซ๐ข๐จ๐. Meaning, she was paying for less than two years pa.
So when she got diagnosed, we prepared all documents and submitted to Sun Life. Since within contestability period pa sha, thorough investigation was made by Sun Life. All her medical records prior, and after the application were checked to see if she was in good faith during the application.
Within two months after the initial submission, ๐ก๐๐ซ ๐๐ซ๐ข๐ญ๐ข๐๐๐ฅ ๐๐ฅ๐ฅ๐ง๐๐ฌ๐ฌ ๐ ๐จ๐ญ ๐๐ฉ๐ฉ๐ซ๐จ๐ฏ๐๐!
And just within a week, the proceeds of her claim were credited to her bank.
What else is a good thing? Even her Critical Illness was already claimed, her Life Insurance coverage is still active.
She just finished her chemotherapy sessions. and By God's grace, she is on her way to recovery.
So guys,
๐๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐ ๐ข๐ฌ ๐ซ๐๐๐ฅ!
Insurance is ๐ ๐ฆ๐ฎ๐ฌ๐ญ even if you are young, and without dependents yet.
Check your goals.
Talk to an adviser.
Protect your family from further losses due to illness.
Protect yourself from income (savings) loss.
Ctto.
๐๐๐ฏ๐ ๐ #๐๐ซ๐ข๐ ๐ก๐ญ๐๐ซ๐๐ข๐๐ ๐๐ฏ๐๐ง ๐ข๐ง ๐ญ๐ก๐ ๐๐๐ซ๐ค๐๐ฌ๐ญ ๐ญ๐ข๐ฆ๐๐ฌ.
๐to know your options, DM lang po
