Tag: FinancialPlanning
-
Does a RM1 Million Annual Limit Mean You Automatically Get RM1 Million?
This is one of the biggest misunderstandings about medical cards. Having an annual limit of RM1 million does not mean every admission is automatically approved up to RM1 million. Example: Your medical card has an annual limit of RM1 million. You are admitted for a procedure estimated at RM12,000. The hospital submits a GL request…
Written by
·
-
How Initial Guarantee Letter (GL) Actually Works: From Seeing the Doctor to Getting Hospital Admission Approved
One of the most common frustrations patients face during hospital admission is: “Why is my medical card taking so long? Isn’t this what insurance is for?” What many people don’t realise is that a medical card is not an automatic admission pass. Before an Initial Guarantee Letter (GL) is approved, there is usually a medical…
Written by
·
-
How a Guarantee Letter (GL) Works: Initial GL vs Final GL
Part 1 of 3 — What Actually Happens Before Your Initial GL Gets Approved Many people think hospital admission starts when the medical card is presented. In reality, there’s usually a process happening between the doctor, hospital, and insurer before an Initial GL is approved. This series walks through that journey step by step —…
Written by
·
-
Aggressive? Shameless? Maybe. But It Worked.
Not too long ago, I was called “cheap”, “shameless”, and accused of doing cheap marketing — simply because I posted on Threads that I’m looking for clients for my takaful and unit trust business. If only that person knew me 20 years ago… they probably would’ve called me worse names. 😂 The things I did…
Written by
·
-
MyInvois, As I Explore the App
It’s that time of the year again. While salaried income earners start the submitting their BE form to LHDN in March, those of us earning through freelance work—agents, content creators, and others under Form B—only face tax season in June. But for us Form B gang, it’s always a good idea to prepare early—and get…
Written by
·
-
Doing Hibah for Your Takaful Isn’t for You. It’s for the People You Love.
If You’re Earning an Income, You’re Already Insuring Your Family’s Life—But Have You Made It Official? Hi, I’m Aliya—an Islamic Financial Planner, and also a mom who understands the weight of responsibility that comes with being a breadwinner. Let’s have an honest chat today—just between us. If something happened to you tomorrow, would your loved…
Written by
·
-
Because Life Happens
As a financial planner — and also as a mom — I’ve seen how unexpected expenses can shake a family’s stability. Many people believe, “It’s okay, I can always rely on government hospitals if anything happens.” But here’s the truth: while treatment at government hospitals is subsidised, not all medications or procedures are fully covered.…
Written by
·
-
Mind the Gap
When we talk about “protection,” most people immediately think of medical cards, insurance, or takaful. But here’s the thing — many Malaysians actually don’t have enough protection. This missing piece is what we call the protection gap. What is the Protection Gap? In simple words, the protection gap is the difference between what your family…
Written by
·
-
What You Need to Know About Death Claims
Let’s Talk Takaful Claims – Part 1: What You Need to Know About Death Claims Hi, I’m Aliya — your friendly neighbourhood Islamic Financial Planner. 😊 If we’ve met before, you’ll know I’m passionate about helping individuals and families make financial decisions that are both smart and aligned with our values. One question that always…
Written by
·
-
💔 “She Can Just Find Another Husband…”
I have a story to tell… When he was here, I never had to worry about bills, food, or our children’s future. Now, every ringgit counts. I stay up at night wondering how to keep a roof over our heads, how to pay for school, how to be strong when I feel completely lost. I’m…
Written by
·
Aliyawanders 