Sky Siew Gratitude

医院，银行，保险，到底哪一个是 SCAM？

March Monday Morning Meeting with some fun game 🩷💚💛

Bring Potluck to Open Office Day….. get ANGPOW rewards 🧧😍🧧

"Many people think having a medical card means you don’t need Personal Accident (PA) coverage. But actually… both play very different roles! 💡

💠 1: Medical = Big illnesses & major accidents
Medical insurance covers large bills like hospital admission, surgery, or hidden illnesses — costs can reach RM20k–RM30k! 🏥💉

💠 2: PA = Small injuries & long follow-up
PA covers minor accidents like a fall 🚲🐶, dog bite, or stitches — plus follow-up visits for up to 90 days or even 1 year, depending on the plan.

💠 3: Follow-up gap
Medical card outpatient accident claims usually cover only within 30 days after the accident. PA extends that period much longer, helping if complications appear later. ⏳

You never know when small injuries turn into bigger problems — so having both is the safest! 🛡✨

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"Many think company PA is enough… but is it really? 🤔
Here’s why you should still have your own:

1️⃣ Portability 🚶‍♂️ — If you quit, resign, or get terminated, your company PA doesn’t follow you.
2️⃣ Custom Coverage 🎯 — Choose your own benefits & payout amounts.
3️⃣ Better Protection 🛡️ — Company plans are often basic & cheap, leaving you underprotected.
4️⃣ Peace of Mind 😌 — No regrets when an accident happens.

💬 Make the smart move — customise a PA that’s truly yours!

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