YSS Risk Management Consultancy

2024 年 6 月，Uncle 开始觉得呼吸困难。 #
Klinik 医生建议他去看心脏专科，但他担心保险不批、怕浪费钱，就决定去政府医院排队。

从 10 月等到隔年 1 月，报告显示心脏情况不太好，可是下一个医生预约竟然要等到 9 月。

可病不会等人。到了 8 月，Uncle 已经痛苦得受不了，我马上帮他安排去私人医院。幸运的是，保险批了。

检查结果让人震惊——心脏血管严重阻塞，两条 90%，一条 70%，必须立刻手术。
六个小时的手术后，他平安醒来。医生说，他很坚强，也很幸运。

整个治疗费用接近 RM126,000。
Uncle 说：“我一点也不怕，因为钱的问题保险帮我解决了。”

那一刻，我更明白：
保险不是为了“值不值得”，而是在关键时刻，救命，也救钱包。

健康时买保险，是为了让生病时能安心。
钱可以再赚，命只有一次。

"Healthcare emergencies can come at any age – even when we least expect it."

Recently, a 1️⃣7️⃣years old girl had to be admitted to the hospital due to hemorrhoid piles. Most people think this is a condition that only affects older adults, but lifestyle, diet, and other factors are causing such health issues even in teenagers.👱

Thanks to her family's health insurance coverage, her hospital bills and treatment costs were covered without financial stress.

👉 Why this matters:

Health issues can arise at any age.
Insurance is not just for older people – it’s a safety net for everyone.
Early medical attention is crucial for quick recovery.

Have you reviewed your health insurance plan lately?

“医疗紧急情况可能在任何年龄发生——甚至是在我们最意想不到的时候。”

最近，一名 1️⃣7️⃣岁的女孩因痔疮住院。大多数人认为这是只会影响老年人的疾病，但生活方式、饮食和其他因素正在导致这种健康问题甚至出现在青少年身上。👱

幸好她的家庭有健康保险保障，她的住院和治疗费用都得到了报销，没有造成经济负担。

👉 为什么这很重要：
• 健康问题随时可能发生。
• 保险不仅仅是为老年人准备的——它是每个人的安全网。
• 及时的医疗干预对快速康复至关重要。

你最近检查过自己的健康保险计划了吗？

#保险索赔

Wishing our valued customers a prosperous and joyful Chinese New Year filled with success and happiness!

Ms. Wang, 5️⃣4️⃣years old, is a finance manager at a mid-sized company. Her life is stable and orderly, with both work and family in harmony. However, as she ages, Ms. Wang has become more aware of the need to prepare for the future, especially considering potential health risks.🛡️

Although she is usually in good health, upon a friend's suggestion, Ms. Wang decided to purchase critical illness insurance. She carefully selected the insurance company and product, ensuring that the policy covered major diseases she was concerned about, such as cancer, heart disease, and stroke. She chose a moderate coverage amount, believing it would provide sufficient financial support if health issues arose in the future.💰

A few months later, Ms. Wang began to feel some discomfort. After a hospital checkup, she was diagnosed with early-stage breast cancer. The news was a huge shock to her and her family. Although the cancer was detected early and the treatment outlook was relatively optimistic, the process still required surgery and long-term chemotherapy, which posed both physical and financial challenges.🏥

Fortunately, Ms. Wang's critical illness insurance came through when she needed it most. The insurance company quickly processed her claim and paid out the compensation according to the policy. The payout not only covered the costs of surgery and chemotherapy but also eased the financial pressure during her recovery. She no longer had to worry about money and could focus on receiving treatment and resting.😌

Throughout the treatment process, Ms. Wang's family also felt the comfort brought by the insurance. Her husband and children didn’t have to worry about financial burdens and were able to fully support Ms. Wang’s recovery. She felt immense gratitude, realizing how wise her decision had been.🥰

After her treatment ended, Ms. Wang gradually regained her health. She deeply understood that critical illness insurance is not only a financial safeguard against health risks but also a source of psychological comfort. Her experience strengthened her belief in the importance of insurance, and she began recommending critical illness coverage to her friends and family, hoping they too would plan ahead and prepare for life's uncertainties.✅

#保险