This week was an eventful week. I had a day surgery and scopes done for my stomach and colon , my client who was pregnant was hospitalized due to appendix infection and due for surgery, a friend was diagnosed with an illness , a friend’s dad suddenly fainted and was pronounced brain dead and a friend’s toddler had cancer.
Since i started this insurance and finance profession early last year , most of my clients…i would say about 2 out of 5 have medical issues. My clients are between 1yo to 40yo (youngest is newborn). Hence some of them have issues getting life insurances and i have to fight for their cases so that they can have the optimal insurance coverage.
My surgery and day ward cost about $4000+ (all claimable by Integrated Shield Plan with my Private Insurer) and i have not included the post surgery follow up.
I should have went to see the doctor in August but because of my work and wedding preps , i dragged on and somehow it worsened. So i decided to make the call and get my doctor appointment fixed and tell myself i have to go no matter what. Took a day off and just go. I went to the hospital alone. Surgery took 45 mins and everything went fine.
If you feel something is not right , go for medical check and if you have not done the check for many years , go for it. Also , if you have not gotten your Private Insurer hospital plan done up , better go for it. If you have not done up your life insurance or beef it up , go for it. Don’t take the risk alone. Diverse the risk to your insurer.
A friend of mine did not go for the plan and the other had partial coverage and only went for the main plan with Prudential (paid by medisave only). They were both diagnosed with conditions and because of the size of the hospital bill , they procrastinated and did not want to go ahead further with the checks and their response to me was “just wait and see first how is it”. The concern of the bill size came before their health.
Some felt that they spend that $700 a year on hospital plan or $2k on a life insurance but if he only claim $4000 from hospital plan , it is “bo hua” ( Not worthy ). And if no claim made , even more “bo hua”. It is not about value worthy but to have financial safety net because your life is more valuable and time with your love ones are more precious.
Insurance is not about “profiting” from an illness that drains our body energy, drains your bank account , takes time away and burden your family. Frankly speaking nobody likes or wants to make a claim. No insurance agents are happy to that their client is making a claim. Not because they are lazy to process the claim or they find it troublesome. But because sometimes friendship are forged and nobody will feel happy to know that their friend is sick.
Not all insurance agents are salesman-ish. There are good and reliable ones who are really passionate in helping people to do planning with integrity and sincerity. Give those you meet a chance , if you are not convinced with them , then don’t meet the 2nd time. You may not know you will meet a good and proper advisor or maybe even made a good friend who will change your life. Give yourself options and give others a chance. If you are in financial trouble because of an illness, your family can only help that much , your friends will only visit you in the hospital with flowers and fruits and only your private insurer can solve your problem and buy time for your to spend with your family.
So here is something i want to share : Don’t take TIME for granted. Don’t procrastinate. Don’t wait for things to happen and it will be too late.
These words are not just from me who is an financial consultant or your next door insurance agent but from a normal human being just like you who is also somebody’s wife, somebody’s daughter and somebody’s friend.
Go for your medical checks if you need to and have to , don’t wait. Mai tu liao !
Also another update , went for review and i have to go for a fortnightly therapy which costs $600 every 2 weeks till im cleared from condition. Fortunately , all claimable from insurance. Even you don’t have financial issues , don’t work just to pay for your hospital expenses. Don’t wait till something happen and then go and get it then it is too late. This kind of things happened to some of my clients. Speak to someone if you have to and if you have no one to turn to and want to ask me questions, feel free to email me anytime firstname.lastname@example.org .
Speaking of health issues , my hubs and i are planning for children probably next year. Going for gynae check ups first.
Anything i should look out for ? Care to share ? Can email me email@example.com.
Thank you !