Tag: life of a planner
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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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They Called Me Crazy
I have this mindset—and I’ll be honest… it’s not natural. Like, at all. This one was built. Trained. Rewired over years—while convincing myself that my rezeki is already written for me. Because honestly? I needed a way to survive rejections. So I flipped the script: Rejection = I’m getting closer to good news. Simple. Slightly…
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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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