This blog seriously in a very critical condition...
Even Madmal's follower will surely beaten me up + no. of comment that he always received.
Yeah...maybe my contents are still out of this world I guess. hahahha
Let me share something with u guys that I bet MOST of u didn't quite clear yet.
As a financial consultant..
I service people ANYTHING bout financial...
Be it saving, investment, properties, financing, protection and will (wasiat)
But for now, I would to share with u bout protection.
PROTECTION consists of
4. Critical illness
All of these are different from each other...even though they are in the same family name called INSURANCE.
Malaysian people who acquire insurance not more than 70% since the first financial company ever existed in Malaysia compare to Japan bout 600%.
The very understandable concept of insurance is CAR INSURANCE because it's compulsory for anyone who want to buy a vehicle.
Let me picture u this ok...
If you involve in an accident..be it ur car or motorcycle
You can claim money to repair your car.
But what about you? Your hand cannot simply send to the hospital to be 'repaired'...
Your medical bills? I got the very famous answer...(go to Hospital Kerajaan la!!)
Tell you what, even though u can see going to the GH is 'free'..
But NOT all of you are lucky enough.
Life protection covers u if DEATH or TOTAL PERMANENT DISABILITY (TPD) happened.
Hv u ever watch Bersamamu? the program for the unfortunate?
Not all of them were actually 'poor' from the start...
One of the best reason is that...the family source of income is *pooofff* gone!!
Because of death or disability of the people who get the income for the family.
After that, the family members that survive still have to pay for the rent, food, school and even car.
But the income is not there anymore....
Medical protection cover for you hospital bills, Accident if any accident happen n Critical illness if any 36 critical illnesses struck the person insured.
Got it so far?
For insurance you have to save an amount of your money to any RESPECTABLE insurance company.
In this I recommend AXA AFFIN.
The premium (amount) depends on the person age, the older the person, the higher premium they hv 2 save.
Life, Accident and Critical Illness premium will never change BUT Medical will change accordingly to your age.
So, it's a VERY good idea to have insurance while u are still young because the premium is much lower.
Guys, no matter how high is your income...if u never take chance to protect ur finance, all that you gain will lost hope in the end.
What cause of not taking this seriously? take a look at my arm and hand.
This happened on 3rd March 2010
3 months before I know anything bout protection...
Now my hands full of scar as per operation to remove the scar are about RM1000++
So...I hope there's no other 'ME' after you read this ok?