Allianz Insurance Agent - Sylvester Heng

(Everyone should have a medical card)

I just saw this news this morning... think about what happens if it happens to you?
We must have a sense of crisis... Don't wait until it happens, why didn't you buy a medical card or limit enough?
I am an example of this... I bought a medical card of hundred thousand a year, and I was hospitalized for 2 months with bacterial infection. My medical support me for 100k only and is not enough. I must be discharged from the hospital to rest at home...

Friends who haven’t bought a medical card yet...Action
Friends who bought a medical card...Hurry and see if you only bought hundred thousand a year only just like me?

Doctor consultant fees is not expensive, the most expensive is medical bill... you need to buy a lifetime unlimited medical card...

• Review old policies
[any insurance company]
• Service clients losing contact with previous agents
• Sharing about Medicare/savings or retirement plans

I do my best to help all those who need insurance information. There is no reluctance here. Just to share, I will do my best to help.

Contact me :
Sylvester 0163333360

（人只要出生…必须买个医药卡）

刚看到了这个新闻…想想如果发生在你身上你会怎么办？
我们必须有危机意识…不要等发生的时候才来想为何当初没买医药卡或者买不够？
我本人就是一个例子…当初买了一年100千的医药卡，中了细菌感染住院2个月，结果不够用必须出院在家修养…

还没买医药卡的朋友…行动吧
买了医药卡的朋友…赶紧看看是否跟我一样只买了一年100千而已？

现在医药费太贵了…需要买终身无限制的医药卡

•审查旧政策
[任何保险公司]
•与以前的代理人失去联系的服务客户端
•关于医疗保险/储蓄或退休计划的分享

我尽全力帮助所有需要保险信息的人。在这里没有勉强。只是为了分享，我会尽全力帮忙。

联系方式：
Sylvester 0163333360

If you are not prepared, no one will pity you!
This is the reality, unfortunately being plagued by heavy illness, when you are disheartened, no one will pity you!
When a family is sick and there is no money to heal, no one will pity you!
When your children go to school and can't afford the cost, no one will pity you!
If you leave early and your family can't rely on it, no one will pity you!

1. Buy insurance will not let you go bankrupt
2. An illness or an accident is enough to cause you bankrupt
3. If you think premium is high, medical fees is way more expensive

你不准备，没有人会可怜你!
这就是现实，不幸被重疾缠身，心灰意冷的时候，没有人会可怜你！
家人生病，没钱医治的时候，没有人会可怜你！
子女上学，付不起费用的时候，没有人会可怜你！
万一提前离开，家人无可依靠的时候，没有人会可怜你！

1. 买保险不会让你倾家荡产
2. 一场疾病和意外足以让你倾家又荡产
3. 保费再贵也不比医药费贵

[Is insurance useful, if and only if you admitted to the hospital! 】

The most expensive bed in the world is called a hospital bed.
Everyone knows that the hospital bed is the most expensive bed in the world.
Everyone knows that the hospital is the most inaccessible door.
Everyone knows that if you have a serious illness, you may have to take a lifetime of savings...
Can we work hard for a lifetime?
Is the income really only for setting up a bed in the hospital?
Three sentences in the hospital let you go bankrupt
First, you are very sick;
Second, “but” it can still be cured;
Third, “but” it takes a lot of money.

Insurance is to save the money in your pocket.

【保险有没有用，到医院就知道了！】
世界上最贵的床叫病床.
谁都知道医院的床是世界上最贵的床.
谁都知道医院是最进不起的大门.
谁都知道如果患一场大病，就可能得搭进去一辈子的积蓄……
难道我们辛苦一辈子的所得，真的只为在医院里架起一张床吗？
医院三句话让你倾家荡产
一，你这病很严重；
二，不过还能治；
三，但是需要很多钱。
保险就是保住你兜里的钱.

车子和孩子谁重要？
爸爸，妈妈帮车子买了保险。
你们给我买了保险吗？

断奶后小孩子【抵抗力较差】容易感冒引发高烧、肺炎、支气管炎、咳嗽、脑炎、手足口等疾病。

Who is important between the car and the child?
Dad and mother bought insurance for their new car.
Have you bought insurance for me?

After weaning, children [POOR RESISTANCE] are prone to colds, high fever, pneumonia, bronchitis, cough, encephalitis, hand, and foot and mouth diseases.

📘 保险，钱多钱少都要买很多人觉得自己的家庭经济条件不好，根本拿不出钱来买保险，这种理念完全是错误的❎。

🤗 越是家庭经济脆弱的人，对保险的需求度也越强。拿不出钱来买保险，只是一种借口。

＃在这个世上，
👨‍🍳医生三句话可能让一个家倾家荡产：
1. 你的病非常严重❗
2. 还好，能治❗
3. 不过，就是要花好多钱❗

＃万幸的是，
🕴️保险代理人的三句话又可能让他们绝境逢生：
1. 放心吧，你的病我们能赔！
2. 确诊就赔，把资料准备好！
3. 剩余保费不用交了，有豁免！

💰保险的保费可能只有医疗费用的几十分之一，如果觉得连这点钱都拿不出来，万一生病了怎么办❓以后养老怎么办❓

📌请不要再拿没钱当做不买保险的借口，无论穷富，保单都是家庭不可缺少的保护墙。

💕尤其是家庭经济条件不那么宽裕的人，挤也要挤出一点钱买保险。让脆弱的家庭经济，有一份保障！

＃寿险作用
🤗 家庭的保障：一般家庭经济的主要支柱更需要保险，而寿险就提供了这样的一种保障：无论我们在与不在，我们得家人都能正常的生活下去。也就是万一有一天，家庭主要经济支柱倒下了，家人还能获取一笔替代经济支柱收入的补偿金。无论发生了什么，家人都能幸福美满的生活下去。💕💕💕

🕴️我是ALLIANZ 安联保险顾问，如果您喜欢我的文案，请您到我的专页按赞👍，把这文案分享给身边还没有保险保障的亲朋戚友。感恩🙏。欢迎来电咨询相关保险产品知识，我也提供免费检视保单与索赔服务。
wechat/WhatsApp
☎️016-3333360
Sylvester

【悲剧！！姐姐劝弟弟把保险退了，一年后弟弟肝癌晚期，弟媳妇把姐姐家砸了】
姐姐要弟弟把保险退了，说是弟媳妇被人骗了，几次争吵后真的退了。一年后弟弟肝癌晚期，姐姐给了500元资助弟弟，弟媳跑到姐姐家把桌子给掀了，要姐姐拿钱看病。不知道这个姐姐做何感想？
劝别人不买保险的人说这话时一定要慎之又慎，因为你不能代替保险公司，大难来临时，你能帮别人承担多少风险！
我很想大声的问那些劝告别人不要买保险、退保险的朋友，这个时候你是什么心情？请问你还会开心吗？你能拿出多少钱给她的家庭？
你躲得过保险，你躲得过风险吗？
所以请不要随意拒绝你身边跑保险拉保险的朋友，更不要轻信他人的言论而放弃本来完成的那份保障，为自己，更为您的家人。
如果有一天，我建议您买意外险，
不为别的，只为你开车路上有份安心；
如果有一天，我建议您买医疗险，
不为别的，只为您住院时不用花自己的钱；
如果有一天，我建议您买教育险，
不为别的，只为孩子能得到更好的教育，确定的未来；
如果有一天，我建议您买养老险，
不为别的，只为您在夕阳下无忧的笑脸；
如果有一天，我建议您买财富传承险，
不为别的，只为您的资产可以合理避税，将爱传承。
当人躺在病床上时，
送200的可能是朋友，
送2000的可能是亲戚，
送20000的可能是父母兄弟姐妹，
送20万、200万、甚至是2000万、
一定是保险公司！

所以我相信保险，不但今生爱您，
来生来世都爱您。
买保险就是尊重生命！

【Tragedy! ! Sister advised her younger brother to withdraw the insurance. One year later, the brother’s diagnose liver cancer. 】

Sister asked her brother to retreat the insurance and said that her brother-in-law was deceived. After several arguments, he really surrenders his policy. One year later, the brother gave him diagnose liver cancer. The sister gave RM500 to support her younger brother. The younger sister ran to her sister’s house and starts an argument. She asked her sister to take money to see a doctor.

People who advise others not to buy insurance must be cautious when saying this, because you can't replace the insurance company. When the disaster comes, how much risk can you help others?

I really want to ask whoever advises others not to buy insurance and surrender insurance. What is your mind thinking? Will you still be happy? How much can you give to her family?

You have escaped insurance, could you escaped the risk?

So please don't arbitrarily reject friends who want to share insurance with you, and don't trust other people's remarks and give up the policy that you have bought, for yourself, and more for your family.

If one day, I suggest you buy accident insurance,
Nothing else, just for your peace of mind on the road;

If one day, I suggest you buy medical insurance,
Nothing else, just don't have to spend your own money when you are hospitalized;

If one day, I suggest you buy education insurance.
Nothing else, only for children to get a better education, a certain future

If one day, I suggest you buy pension insurance,
Nothing else, just for your smile in the sunset;

If one day, I suggest you buy wealth transfer insurance.
Nothing else, just for your assets, you can avoid taxation and inherit love.

When a person is lying in a hospital bed,
Sending RM200 may be a friend,
It may be relatives who sent RM2000.
It may be parents and brothers and sisters who send RM20,000.
Send RM200,000, 2 million, or even 20 million,
Must be an insurance company!

So I believe in insurance,
Buying insurance means respecting life!

Let's start a little bit of my story..

21 February 2018
My first admission at Mahkota Hospital Melaka. Reason ; Health Gall Stone. I remember i was driving, suddenly felt like heart attack and cause minor accident. I drove to hospital after that, it was so pain thinking of am I going to die? Second Day, I went to do SCOPE and that's the nightmare began.
effect, named

It's a long story in hospital, first discharge was 09 Mar 2018. Bacteria rise again and admit hospital at 15 Mar 2018 for second admission. Last discharge was somewhere in April 2018. Stay in Hospital for nearly 2months cost nearly RM95k.

Attached photo is the Bill and Lab report, citrobacter koseri is one of the most strong bacteria in Hospital. This kind of bacteria needed very strong antibiotic via injection, can't treat by oral antibiotic and that's one of the reason I stay in Hospital for nearly 2months. The Lab Report shows my bacteria data is 86.4 at 23/03/2018 and 6.8 at 11/04/2018, normal data is at 0-10, it takes a long time to recover by inject antibiotic 3times daily, and one time is 3hours.

Last but not least, this is not cancer, not any other illness which is very major, just a bacteria effection cost me nearly RM95k. Actually I haven't fully recover by this effection, is because my Insurance Limit reached and need to discharge or else I need to pay by myself for further treatment. Unfortunate, my medical card only cover me 100k per year.

The reason I join insurance company is because ;
No Agent Revise my Policy and update latest information.

This incident cause me couldn't buy unlimited plan because under defermant. So, if you bought your medical card but doesnt know whether you are cover unlimited plan do not hesitate to text or call me at 016-3333360.

让我开始讲述我的故事......

2018年2月21日
我第一次入住马六甲Mahkota医院。原因;胆生石。我记得我在开车途中，突然感觉相似心脏病发作并造成轻微意外。之后我开车去了医院，回忆当时感觉我就快死因为真是太痛了。隔天，我去做了SCOPE，这就是我的噩梦开始。
，名为

在医院故事太长篇，第一次出院是2018年3月9日。细菌再次上升，并于2018年3月15日入院接受第二次入院。最后一次出院是在2018年4月的某一天。住院近2个月的费用接近RM95k。

附图是Bill和Lab的报告，citrobacter koseri是医院中最强的细菌之一。 这种细菌通过注射需要非常强的抗生素， 不能通过口服抗生素治疗， 这也是我住院时间很长的原因之一， 在报告中显示我的细菌感染指数为86.4在18/03/2018和6.8在11/04/2018，正常指数为0-10，每天我必须3次注射抗生素才能恢复，一次是3小时。

最后重要的是，这不是癌症，也不是任何其他非常重要的疾病，只是一种细菌感染花了医药费近95000令吉。实际上我没有完全恢复，是因为我的保险限额达到并且需要出院否则我需要自己支付接下来治疗。不幸的是，我的医疗卡每年只能支付10万。

我加入保险公司的原因是因为;
无代理员复习我的保单并更新最新信息。

这个事件导致我无法购买无限制的计划，因为在defermant下。所以，如果你买了你的医疗卡，但不知道你是否有无限制的计划，请不要犹豫，信息或者直接联系我016-3333360

Allianz Insurance Agent - Sylvester Heng updated their business hours.