中学朋友

最近见了一个中学朋友。
果然大家都不想只是做一份工..
她也兼职了做Amway.

身边真的不少人做Amway，
我也常常被不同的Amway朋友或者非朋友 approach过。
我向这个中学朋友买了一份排毒的产品。
其实我也知道，身体就像汽车一样，
需要定时清理毒素，
我都24岁了，从来没有为身体排毒过，
真的可以好好排毒了。
希望14天排毒后，
脸上痘痘和阻塞问题可以减轻一点 哈哈哈


当然，这个朋友还帮她全家人投保，跟我买全家保险。
她觉得以前父母没有给她的，现在要为父母和妹妹准备保险，
没有保险，以后发生事情需要医药费时，
她也不知道哪里找钱来医。
所以，我觉得有些人，真的非常疼爱家人。
对家人的责任感，没有因为经济压力而减少过。
赞！

Recently I met with a secondary school friend.
It is the truth that a lot youngsters nowadays not really working only one job.
She is part time doing Amway.

There are a lot of my friends doing Amway.
I have been approached by a lot Amway friends/strangers.
I bought one set of Amway detox product from this friend.
One thing I realised is that.. our body is just like a car,
we have to do "maintenance" every certain period of time.
Same like our body, we shall help our body to do detox.
I am 24 years old this year, but I never help my body to do detox before.
Hopefully after 14 days of detox programme, my pimple problem can be solved.

This friend also wants to help her whole family to sign up for insurance package too!
When she is young, her parents never bought her any insurance plan.
When she grows up, she decided to give her parents & sister a protection as a significant of love & responsibility to them.
I really respect her because her love towards her family never reduced due to the pressure of financial. She still insists to buy the plan for them.
Thumbs up for her.

带客户去割眼膜

最近带客户去割外眼膜，
只是右眼，就RM3000+
复诊一次 RM110。

没有医药卡的话，其实真的挺贵的。
幸亏只是小手术，如果是大手术，
三四百千，怎么办？

辛苦的妈妈

Facebook 一个朋友的status。
会认识她是因为之前她的儿子因为脑癌，所以在网上筹款。
然后就常常看到她在Facebook上怪老天对她不公平之类的.. 儿子那么小就有病..
这更让我觉得，如果她的孩子有买保险，或许一切都不同。

唉，生在马来西亚，没有天灾，
可是有人祸，食物也不健康（虽然很好吃）
所以得病的机率真的非常高啊！

好好照顾饮食。共勉之。


That is a status of my facebook friend.
The reason that I get to know this friend is because her son was diagnosed with Brain Cancer previously, she asked for donation on social media and it went viral.
Afterwards, I always see that she post status on Facebook to blame that the God treat her unfairly... why is the son diagnosed with diseases, she feels very pressure with the financial status.. No money to pay for the medical fee and children education fee etc.. (she has three children)
This makes me think that if her son has an insurance plan, she would not be facing all these misfortune.

Aiks, we are all living in Malaysia, a country without natural disasters.
However, we do have a lot of man-made disasters. Malaysia food are tasty, but they are not healthy.
The chances of getting diseases is really high!

My last advice, we really need to take care of our eating habit.

匿名的比较

今天我帮我的朋友看她最近新买的一个plan。
她说.. 她觉得她买贵了。
星期六的时候，
我今天把她send给我的quotation印了出来看。
这个是A 公司的quotation。

RM250 一个月买到什么呢？
agent给了她一个人寿 (A-LifeLink) RM100k
终身残废 (A-Plus DsabilityCare)RM100k
36种疾病 (A-Plus CriticalCare) RM100k
医药卡 (A-Plus Med) Room & Board RM150
医药卡一年可以用RM1.1million，无终身限额。

当初我朋友来问我是因为，
她签了第二天，就跟我的client，也是我的朋友吃饭。
然后她们就比较她们的plan。
我的client就说：我的医药卡一年有1.32million，你的呢？
她就说：我的才一年100千。
然后她就私底下whatsapp我，为什么A 公司的 annual limit 那么低？
我看了她的quotation后才发觉她误会了，其实A 公司的annual limit 有RM1.1million。
然后我就做了A 公司和我们公司 GREAT EASTERN 的一个比较图：

总结来说：两间公司有好有坏，可是如果选择全面性（comprehensive）
我还是建议顾客选择全马最大公司GREAT EASTERN 啦！
因为outpatient kidney dialysis & outpatient cancer treatment ，
GREAT EASTERN是跟着医药卡限额 RM1.32Million.
A 公司或者其他公司就会有一个cap 在那里。
比如说: A 公司就有一个RM500k的capping在洗肾和癌症治疗，而且这个RM500k是终身限额，用完了就没有了。
可是GREAT EASTERN是一年RM1.32Million (一百三十二万)，每年renew，不需要担心会用完。

我常常计算洗肾的费用：如果不幸患上肾病，需要一个星期洗肾三次。
不要去想着要申请政府的洗肾津贴 （因为往往都要等很久，而且不一定可以得到，就算申请得到，也不是津贴全部数额）
洗肾一次需要RM300， 一个星期三次，就RM900。
一个月就 RM3600，一年就RM43200，
如果找不到适合的肾脏，就要洗肾一辈子。
现年30岁，洗肾30年的话，就要 RM43200 x 30年 = RM1,296,000 (一百二十九万六千块)
这个数字也只是保守估计，而且洗肾费用不变的情况下算出来。

所以说，A公司的 RM500千终身限额怎么足够呢？

为什么A公司没有waiver?? 这件事情让我很懊恼。。。。

漫画说保险

Post: 1

最近这几天，我都在经营我的客户的e-mail 联络群。
我花了几天的时间来研究，如何通过e-mail来联系与客户之间的感情，
并且让客户可以知道最新的保险消息。

我知道这会是一项需要投入的事情，毕竟公司天天出新的circular，
也常常有不同的health campaign, workshop 和比赛。
我觉得有必要让客户知道，目前公司究竟有什么最新动态。
可是通过whatsapp 并不是很正式的感觉，所以我选择了e-mail邮件。

第一个邮件是关于周杰伦的演唱会，
大东方的客户可以提前购票！对周杰伦迷来说，真的是万幸！
早前我在面子书公布这个消息时，已经有朋友拜托我帮他买票，
因为他们并不是大东方的客户，没有LIVE GREAT Card，
可是如果不提前购票，便宜的票必定会被抢购一空，
可见周杰伦的魅力是多么的强大啊！
同时，我也觉得很光荣，因为我是大东方的客户&代理员！

希望没有客户会被我的e-mail 烦到，
因为我真的花了很多时间去做的哦～

Recently, I am managing my e-mail account.
I spent few days of time to do research on how to connect with my clients relationship through e-mails, so that my clients can know about the latest news of insurance.

I know that I need to be really commit into this 'project', because Great Eastern has new circular everyday.
Great Eastern also has a lot of health campaigns, workshops, competitions and new insurance plans.
I think that it is important to let my clients know about these updates.
However, spreading the news through Whatsapp is not that formal and proper, so finally I choose to use e-mail.

The first e-mail that I sent out is regarding Jay Chou's concert.
(For your information, Jay Chou is one of the most famous chinese singer nowadays and 80% of my friends are crazy over him)
In the email I mentioned that Great Eastern's customer can buy the concert ticket before the public sales starts.
This is a great news for Jay Chou's fans because without this privilege, they probably not able to grab any cheapest seat tickets.
When I share this news on my Facebook, there are friends who immediately ask me to help them to buy tickets because they are not Great Eastern's customer.
I actually feel proud to be Great Eastern's policy holder and also Great Eastern's agent!

Hopefully there are no people feel annoyed by my e-mails, because I really spent a lot of time to do this.