Wednesday is my new ball play day.. By ball I mean basketball.. Been a while since I last played, so it is kinda fun to be meeting old friends and play basketball again..
Most of my friends are avid basketball players.. They (or we) are not professional players but we play a lot of tournament in a year.. Oh, it is not even a semi pro tournament.. Well, for those who are not familiar with basketball, it is deemed as one of the most dangerous games in the world.. Why you might ask.. It's because of the nature of the game which requires you to attack and defend in the game as a team.. It might cause injury like sprain, bleeding or ACL..
One of my friends approached me.. He knew I am doing insurance now so he was trying his luck.. For us insurance agents, it is quite rare for people to come looking for us to get medical card or insurance.. People will only look for us when unfortunate events have hit them.. True enough, my friend require RM25k for ACL surgery.. So he wanted to get Prudential medical card..
Insurance is like a bank.. You can only get insurance when you are healthy.. When you have bad health report, insurance might consider to decline your proposal to take up insurance.. If you are lucky, the area affected on your body will become exclusion or you are required to pay extra premium.. Just like bank, they won't approve your loan application if you have bad credit report.. Bear in mind, insurance is not a welfare, it is a business..
So dude, no, you won't get required amount for your surgery.. I might send a proposal for you for Prudential medical card.. If you're lucky, the left knee of yours will become exclusion or if you're luckier, you have to pay extra premium..
To friends out there, remember, you won't know what will hit you.. Soon could be too late but now can never be too soon.. Get your Prudential medical card today.. I assure you, you are about to get protected by the best medical card in town..
#HIDHIR
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