The Real Cost of Neglecting Your Annual Health Screening: Beyond the Medical Bill
🍎 Hi there, future-proof investor and lifestyle protector! We all know the drill: the year flies by, the work piles up, and that little reminder to book your annual health screening gets perpetually snoozed. You figure, “I feel fine, what’s the rush?” But here’s the thing we often forget: health is your most valuable asset. […]
A Battle I Never Planned to Fight, and the Lessons I Learned
How do I even begin to tell this story? The moment I try to go back, a wave of pain and agony washes over me. About a year and a half ago, in April 2024, just before the holy month of Syawal, I was home, battling a painful period and a relentless cough in my […]
Beyond the Degree: Insuring Your Career Journey in the Malaysian Gig Economy
You’ve graduated from the traditional 9-to-5 mindset. You’re a Malaysian gig worker—a visionary freelancer, a dedicated e-hailing driver, a passionate online business owner. Your choice of freedom and flexibility is shared by a growing number of Malaysians, with over 3 million individuals now part of the gig economy. But here’s a sobering statistic: The majority […]
A Wake-Up Call: The True Cost of Waiting for Healthcare in Malaysia
I often look at countries like Germany and wonder how they do it. Their income tax is very high (as high as 45%), and yet by law, health insurance is compulsory for everyone. It’s a system built on collective responsibility, ensuring that healthcare is a right, not a privilege. But here in Malaysia, things are […]
Diabetes – How Insurance Company Perceived and Underwrites Diabetic Applicant
What’s next to after being diagnosed as a diabetic applicant? Will you be rejected by the insurance companies? Fret not, my comrades! People with Type 1 or Type 2 diabetes can get coverage, though the policies you’ll be eligible for, and the ease of the process will depend on your type of diabetes, and the […]
Diabetes – Everything You Need to Know
Did you know that Diabetes is a chronic disease? World Health Organization (WHO) defined chronic diseases, or also known as non-communicable diseases (NCD) as diseases that are long duration, and are caused by combination of physiological, genetic, behavioral, and environmental factors. The leading types of chronic diseases are diabetes, cardiovascular diseases (strokes, and heart attacks), […]
Beyond the Paycheck: Why a Medical Card is Your First Line of Defense
When I first started my journey in this industry back in April, I talked a lot about the importance of a financial plan. But a plan is only as strong as its foundation. And in these first few months, I’ve seen firsthand how quickly that foundation can crumble from a single, unexpected event. Imagine this: […]
How Focus, Grit, and Determination Changed My Life
Kapas Marang Swimathon There was a long-distance swim event held every year in Terengganu and it was called Kapas Marang 6.5km Swimathon. For every swim coach out there, or at least during my time 10 years ago, this was a challenge that we all had to do, a title we looked up to. I was […]