Christine, 28, was just like any young adult starting life in Kuala Lumpur — fresh graduate, small salary of RM2,300, juggling rent, car loan, and daily expenses.
After watching her friends buy insurance, she decided to budget RM200 monthly for a medical card.
She wasn’t sure if she’d ever need it, but told herself:
“If something happens, at least I won’t be a burden to my family.”
Two years later, the unthinkable happened.
She noticed irregular periods and went for a check-up.
The doctor looked at her report with concern, then gently said:
“You have cancer.”
Luckily, it was in an early stage. Surgery and treatments were arranged immediately.
Christine was terrified, but at least there was a silver lining — that medical card.
She called the insurance company, and they confirmed:
Her cancer treatment was fully covered. The policy had a RM400,000 medical limit.
She was in tears — “Thank God I bought it.”
But then things got harder.
After surgery, she had to go for weekly chemo sessions. Each one left her weaker.
Her performance at work declined. Her boss finally said:
“Maybe… you should take a break to recover.”
That was a polite way of saying: “You’re no longer needed.”
Christine lost her job.
Then she remembered — “I also bought a critical illness policy! My agent said I’d get RM100,000 if I was diagnosed with cancer.”
She immediately contacted her agent to file a claim.
But the claim was rejected.
“What? The doctor confirmed I have cancer. Why won’t they pay?”
She was furious.
The agent explained: “The plan you bought was cheaper but had stricter conditions. The payout only applies for late-stage cancer.”
Christine was heartbroken.
“Why didn’t you tell me that? If I knew paying just RM30 more would qualify me for early-stage payout, I would’ve taken it without question!”
That’s when the agent told her about Allianz PrimeCare+ — a plan that pays even for early-stage critical illnesses.
If she had this plan, she could’ve received a payout as soon as she was diagnosed — helping her cover her living expenses without stress.
Six months later, after spending nearly RM400,000 on treatment and fighting a tough battle both physically and financially, her cancer progressed to a terminal stage.
Only then did she finally qualify for the RM100,000 payout.
But by then, her body was already too weak.
One RM30 difference.
One decision.
That’s all it took between early support and unnecessary suffering.
If Christine could turn back time, she’d choose an insurance agent who truly cares — someone like Faith Hew.
Not just someone who sells you a policy…
But someone who helps you plan your life risks, gives you options, and makes sure you’re really protected when you need it most.
Don’t wait until it’s too late. The best time to plan is when you’re healthy.
The right insurance today… could save your life tomorrow.
