Tag: insurance agent
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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…
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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…
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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 —…
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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…
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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.…
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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…
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How to Handle Sales Rejection Without Losing Your Sanity
Let’s be real—sales rejection sucks. You pour your heart into a pitch, get all hyped up, and then… bam—a big, fat NO. Sometimes they ghost you. Sometimes they say, “I’ll think about it” (spoiler: they won’t). And sometimes they shut you down so hard you start questioning all your life choices. But here’s the thing,…
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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…
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1 Juta Annual Limit, Tapi Kenapa Tak Approve Semua?
“Kenapa rawatan kanser ni tak terus approve RM1 juta?” Real case 1 : Padahal dalam plan ni, annual limit RM1,000,000. So kenapa tak terus approve je semua amount tu sekali harung? Sebab GL (Guarantee Letter) takkan approve lump sum terus sampai RM1 juta. GL approval ikut apa yang hospital apply, berdasarkan keperluan rawatan semasa. It’s…
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Medical Card Is A Waste of Money?
Amir (real name hahaha) pays about RM100 for ASTRO bill every month without fail for the Sport’s package. RM100 gone each time. The thing is, we barely watches Astro. Almost ten years in, he suddenly feels like it’s a waste. “I’ve spent so much, but I barely watch the television. I always come home late,…
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