Vui Yuan

🥳🥳 Good news for my clients and AIA customers‼️

AIA can now issue Guarantee Letter for COVID-19 hospital admission in panel hospital.

What is Guarantee Letter⁉️
- with guarantee letter, patients do not need pay hospital bills upfront by themselves. Previously, COVID-19 hospital admission fees can only be claimed by reimbursement basis. But, effective form TODAY, guarantee letter will be issued!
*see more details about guarantee letter from picture below.

For those who do not have any medical plan yet, and would like to know more about our medical plan and covid-19 coverage, pm me, leave a comment below or click this link

👇🏻👇🏻👇🏻
https://www.rsc.aia.net.my/rsc/335279
https://www.rsc.aia.net.my/rsc/335279
https://www.rsc.aia.net.my/rsc/335279

Everyday is weekend when you are retired!

Have you prepared enough fund for your "everyday is weekend" days?

It's never to early to save for retirement!

Are you retirement READY?

It's never too early to start your retirement fund planning! The earlier you start to plan, the easier to achieve your retirement goal.

Vui Yuan now takes appointments on their Page.

Have you ever pictured your retirement life?

I believe no one wants to be like the old man in the 2nd picture 😂

Start setting your retirement goal, work towards it, and make it happen!

Drop me a message for ways of building your retirement funds! I'll share with you according to your goals. 😊

And share in the comment how do you want your retirement life be like!

Are you finding ways to grow your money?

Here's an option for you: Save 10 years and enjoy 25 years benefits.
Guaranteed + non-guaranteed return!

Drop me a message if you would like to explore on this :)

What does it mean by putting your money to rest?

For example, saving your money in bank saving account, which give you only 0.25% per year.

Don't put your hard earned money to rest, but let them grow and multiply them!

We are the money making machine for ourselves and our family.

But one day, the machine might break down and need maintenance, and we will not know when will this happen.

So, we need to check the condition of the machine frequently and also create more money making machine to back you up!

How to create more money making machine? Drop me a message to find out more! 😊

KNOW YOUR MEDICAL CARD

There are 2 types of medical card in the market: Stand alone medical card and Investment Linked medical card.

See the difference from the picture below.

PM me if you need help to understand your medical plan coverage, like what's the annual limit, does it have co-insurance (means insurance company bear part of the bills only), does it have no-claim reward, got cover COVID-19 or not, etc.

It's important to know! Find out today!

Cheaper is not better. Like what Chinese says "一分钱，一分货“.

The most important thing of insurance is not how much the price, but instead how much coverage is it!

If you are just paying for your insurance and have no idea how much is your coverage, you should find it out now!

Book your policy review session with me, for free! 🙂

Do you have a strong financial foundation?

You can start building a strong financial foundation by preparing enough emergency fund and income protection!

So, you do not need to worry and downgrade your lifestyle when crisis happen or when you lose your income one day.

When is the best time to upgrade lifestyle?

We tend to upgrade our lifestyle when our income increase or when we have extra money.

But if we do not have a strong financial foundation, our "upgraded lifestyle" might not able to sustain when crisis happens.

So, before upgrading lifestyle, make sure you have a strong and solid financial foundation first!

Protect your wealth, Accumulate your wealth, and spend peacefully!

You'll never see post like this..

Because no one is happy to downgrade his/her lifestyle.

To prevent this to happen, you must:
1. Have a good financial planning and management
2. Save first, then spend

We all know how serious is the Covid-19 situation in Malaysia now.

It’s very important to check whether your policy has Covid-19 coverage!

DM for assistance if you do not know how to check 😊

We all have commitments like house loan, car loan, utilities bills, groceries. etc. and our income is the source of paying all these commitments. If one day we lose our income due to sickness, are we still able to pay for the commitments?

How sad if we are forced to use our savings which are meant for travelling, child education or retirement to pay for our commitments right?

So, if you still haven't planned for your income protection, let's take some time to plan for it!

You can DM me to assist you on your income protection plan too 😊

Do you know your income is protectable? Have you heard of income protection?

Find out more here!

Or you can just drop me a message if you would like to know more and start planning for your INCOME PROTECTION today!

Sharing with you today on when should you review your insurance policy:

1. When your relationships change 💍👨‍👩‍👦👨‍👩‍👧‍👦
2. When your career change 💻
3. When you experience a financial change💰

Or you should review your policy every 2 years to check whether your coverage is enough!

Click “I want a policy review session” via the link or pm me via messenger if you would like me to conduct a policy review session with you. 😊

https://www.rsc.aia.net.my/rsc/42516

How Often Should You Review Your Insurance Policies? | AdBuzz Hi, Vienna here! A licensed life planner from AIA. Sharing with you today on when should you review your policy: 1. When your relationships change 2. When your career change 3. When you experience a financial change Or you should review your policy every 2 years to check whether your coverage is eno...

Aesop, the ancient Greek storyteller, used to say: “It is thrifty to prepare today for the wants of tomorrow.”

Last year, Ringgitplus Malaysia conducted a financial literacy survey and found that 21 per cent of Malaysians didn’t save money at all. Of this, 11.9 per cent didn’t save or admitted they spent a lot on lifestyle, including shopping and entertainment.

Another 33.7 per cent revealed their debt repayments rendered them unable to save, 29.2 per cent believed their essential expenses were too high, leaving them with too little to save, while 25.2 per cent saved only when there was enough at the end of the month. Of those surveyed, 35 per cent kept less than RM500 a month, 23 per cent saved RM501 to RM1,000, and 13 per cent RM1,001 to RM2,000. Interestingly, 89.2 per cent realized that their Employees’ Provident Fund (EPF) savings are not enough for retirement.

If you can save RM20 per day, start building your retirement now! Don't only start to plan 1 or 2 years before your retirement.

PM me and I'll show you how to get guaranteed (saving) + non-guaranteed return (investment) to build your retirement fund!

A better safety net for senior citizens | New Straits Times AS we revel in the Lunar New Year celebrations with throaty shouts of “Gong Xi Fa Cai” or “Huat Ah” whenever we meet our friends and relatives or partake in the sumptuous yee sang salads, I can’t help but think about the not-so-fortunate who might not have the means to even celebrate.

📣📣📣最新消息 @ 21/01/2021

✅Covid-19确诊入住私人医院能够索赔✅

只要确诊Covid-19并需要入住医院接受治疗的话，就能从医药卡的保障利益中索赔。

“They will be covered for hospitalisation under their medical plans if they are diagnosed with COVID-19 and require inpatient treatment which is medically necessary at hospitals.”

⚠️注意⚠️
确诊病患目前需要先自费所有的医药费用，之后再上交所需的文件和账单即可索赔。

🔸科普🔸
其实pandemic-related risk (大型流行病相关的风险) 通常是不在保险公司的涵盖范围内，而Covid-19是大型流行病的一种，所以在医疗/健康/伊斯兰保险里被排除在外并不罕见。

所以
如果你的保单是很旧很旧(xN次)，其中一个条款是：排除法律要求隔离的传染病 (excludes coverage for communicable diseases that require quarantine by law)。
简单来说，这次的Covid-19你不受保。

‼️如果你不确定，麻烦你立刻马上现在‼️
检视并根据自己和大环境的需求来规划你的保单。
因为确诊Covid-19后还能不能买，还能不能加保，没人能给任何答案。确诊后的后遗症，康复后的后遗症，没人能预测，这就是风险。

so大家别趴趴走，好好待着，遵守SOP

Hello, to everyone who are looking for a comprehensive medical plan, or anyone who does not own any medical plan yet, AIA is giving out a FITBIT INSPIRE 2 worths RM448 when you sign up!

1. Click into it the link below
2. Click “I’m interested
3. Or can just give me a PM ☺️

Free Fitbit for A-Life Link with CI rider campaign | AdBuzz Hello, to everyone who are looking for a comprehensive medical plan, or anyone who does not own any medical plan yet, AIA is giving out a FITBIT INSPIRE 2 worths RM448 when you sign up! Click “I’m interested” if you want to know more! And you will be reached out in 1 day. Have a nice day!

FREE for first month. Get medical plan/life/saving & investment plan for RM0 this month.

Get coverage NOW and pay LATER.

PM me for more details if you would like to know more ☺️

How to choose a Medical Card?

If you are new to insurance and looking for a medical card, here's some tips for you on choosing a medical card.

#1 Annual Limit & Lifetime Limit
Annual limit is the amount that your medical card has every year while Lifetime Limit is the amount that your medical card in your whole life. You should choose a medical card with high annual limit and no lifetime limit. For eg. RM1.5mil Annual Limit and NO Lifetime limit, if you used up to RM1mil this year, you will still get anothe RM1.5mil limit in the next year.

#2 Co-insurance
Some medical card has co-insurance. That means you will need to bear part of the medical cost when you reach certain limit. For eg., if the medical card limit is RM1mil, you will need to bear 20% of the medical cost, while the insurance company only cover 80% of the bill. You will need to pay RM10,000 if your medical bill is RM50,000. So, it's very important to choose a medical card with NO co-insurance.

#3 No claim rewards
We often hear people saying they just paying for their medical insurance but never claim on it. Now, there is medical insurance that gives you rewards if you stay healthy and did not make any claim in a year.

If you still do not own any medical card, please do not ignore it, please do not wait until you have time to look for one. Because sickness always come like a theif. Don't wait until it's too late to get a medical insurance coverage!

If you need any advice on medical insurance, leave me a message!

Can you afford to be sick?

Medical inflation in Malaysia has been estimated to increase to about 10 to 15 percent annually, 2x - 3x higher than inflation for cost of living and based on statistics from the past 15 years, the medical inflation rate has increased by a whopping 107%.

Over the course of 15 years, the costs of medical procedures have almost doubled. For example, an open heart surgery used to cost only RM 30,000 in 2000, but in 2015, its cost has more than doubled to RM 62,000. Similarly, the cost of a single total knee replacement surgery was only RM 14,000 in 2000, but has increased to RM 25,000 in 2015.

You can refer to the pictures on the medical inflation cost for every 5 years.

Can you afford to be sick? Do you own a medical card that have enough coverage (at least 1 mil and above per year)?

"I can go to government hospital". Yes, you can but the fact is that government hospital is overcrowded, underfunded and staff is overworked. There will always be patient who need a more emergency treatment than you. During emergency, private healthcare is a more viable option.

Source: howtofinancemoney.com

It is very crucial to review your current medical card coverage! Some old medical card has only RM50,000 lifetime limit, it can be easily used up in a single treatment.

If you still do not own a medical card, it's time to really look into it. If you still do not own a medical card and also do not have enough emergency fund prepared for sickness, you MUST get a medical card! or else you might need to spend all of your savings or your family's savings for treatment. Be responsibe to yourself.

PM me by clicking "Send Message" or text me if you:
🔸 Want a free review on your current medical plan
🔸 Want to know more about medical plan
🔸 Are looking for a comprehensive medical plan

If you still considering whether to get a medical card for yourself or not or you are still holding an outdated medical card, this month JULY would be the best month to get it because in this month AIA offers:

🔸 1 month premium CASH BACK
🔸 5% CASH BACK on your first payment
🔸 90 days FREE Personal Accident and Dengue coverage
🔸 Luckydraws (RM100k worth of prizes)

🔹 RM1.5mil annual limit, no lifetime limit
🔹 Get RM300 per year for heatlh screening/Vaccination
🔹 Get rewards when you stay healthy with AIA VITALITY
🔹 Shopee vouchers, GrabFood vouchers, Jaya Grocer voucher, FREE TGV tickets with AIA VITALITY

CLICK "Send Message" for more details!