Life Insurance, Yay or Nay?

I used to have this mentality that buying life insurance for yourself would be like either a pembaziran (bila tak sakit) atau macam doa (sebab you anticipate sakit because you’re supposedly financially-equipped to face it). Now bila terkenang kembali…. Boy, was I stupid or what?

Recently (2months ago), I was referred to the hospital sebab klinik swasta biasa-biasa tak gheti nak diagnose benda dalaman. Tsk. Actually, I woke up one morning rasa sakit leher. Like tersalah tidur/bantal terlalu empuk/kena tindih. Throughout the week dia remain macam rasa sengal, and then I demam. Bila doctor buat surat suruh pergi hospital I was all HOI MALASNYA SEBAB  TAKDE INSURANCE, HARUSLAH MENEMPUH HOSPITAL KERAJAAN.

Baiklah, bayangkan keadaan hospital kerajaan sekarang, paling awal you can go and register is 8am. So anda pun bangun 6.00pagi siap-siap segala, tiba di hospital 7.30am. Wow, champion! Pasti jadi orang pertama di kaunter… No.

Dah berderet orang tunggu tepi-tepi dinding dengan muka weak/tak semegah. Ada yang pakai kain batik, ada yang pakai kemeja drebar bas, ada yang kendong anak seorang sambil kawal lagi 3 orang berlari-lari. I felt… bad. Here I am, someone who could afford life insurance (with medical benefits & coverage), in my preppy clothes with my hair done at the salon just yesterday (RM40, wash and blow) taking picture of my nombor giliran with my Blackberry to be posted on Twitter.

If you pay the taxes, yes you ada hak nak enjoy all these free medicines (OMG MY DOCTOR GAVE ME LOTS!) and super cheap registration (RM1) and free consultation yang government dah sediakan. Tapi sebenarnya you akan tak sampai hati. Tengok orang lain yang lebih memerlukan. Makcik cleaner yang hitung-hitung gaji hari dia nak ditolak sebab tak datang kerja untuk pergi hospital. Then hospital penuh dengan orang-orang lain termasuk someone like you, sampai dia kena datang esok pula. Dua hari punya gaji dia terpaksa let go. Tsk nangis.

That’s one thing, bagaimana pula dengan anda? You have to tunggu almost  forever for your next appointment lepas dah jumpa and sembang-sembang dengan doctor tuh (my next appointment was a month later tau). Tak ke your sakit akan melarat by your next visit to see the doctor? Sanggup? Dalam kepala otak dah menyesal-menyesal kenapa diri ini takde insurans. Kalau kronik penyakitku terpaksa seek rawatan dari private hosp (yang lebih cepat), siapa nak tanggung?! Ubat, rawatan, bil hospital? Ya Allah… jauhkan.

I tak sanggup. Promised myself, that was my last, I hope. InsyaAllah. Sebab I’m getting myself a life insurance, and yang bestnya dia termasuk dengan investment package sekali. Because I’m ambitious like that.

Recently, I read this newspaper ad about masa depan diri anda being terlaksana by ING Insurance Berhad. I find it interesting since I am aiming to shop for an insurance plan. So I scanned the QR code and got to play this Facebook app that tell us about cita-cita kita. Like how I see myself in 5years time. Ada kondo sebiji ewaaaah, kereta nak tukar yang lebih best sikit, travel third world countries dan sebagainya.

In the app, I found in order to achieve these dreams, ING has tailorkan special insurance pakej mengikut umur dan keperluan financials kita through its recent INGeasi For You plans. It’s a fleksibel plan yang menawarkan perlindungan dan investment untuk setiap ages.

Jadi, untuk umur 20an like me financial package dia adalah Discover. Untuk anda?

The Discover package is tailored for those in their early 20s and just starting out in the workforce. The package addresses the need for basic protection and healthcare coverage at affordable monthly rates to inspire youth to start planning their future early.

 Itu yang saya nak dengar, healthcare coverage dan bayaran bulanan yang within kemampuanku.

The Achieve package is targeted at those in their late 20s and early 30s, with generally a higher earning power. They tend to want to increase their protection coverage and save more to bring them closer to their goals. Additionally, the package also provides specific coverage against female illnesses.

Pakej sesuai untuk orang dah kahwin, macam Kekna and Boiri! Diorang pun berangan-berangan nak buka café, so bolehlah sebab pakej nih savings dia lagi besar.

The third package, Build, is designed for families. It provides extensive coverage ranging from protection and savings for retirement as well as their children’s education needs. The package also offers a yearly income benefit in the event the breadwinner is no longer able to provide for the family due to death, disability or critical illness, thus giving family members the peace of mind that they will be taken care off.”

Kalau dah ada family and anak-anak, malas nak piker-piker, ini pakej lengkap untuk anda! Ada simpanan persaraan dan keperluan kewangan untuk education anak-anak! Kalau apa-apa jadi kat ketua keluarga, dapat yearly income benefit to help out your family expenses :’)

Kalau nak feel diri anda di 5, 10, atau 20 tahun kehadapan, cuba app Meet Future Self in Facebook. Hahaha comel berangan!

Just pick 4 of the things you would like to achieve in the future..

Then pilih the number of years you want to see your future self

And see it unfold before your eyes!

WAH! THAT’S WHERE WE WANT TO BE OKAY, CURRENT SELF!

Pandu kereta Lotus, scuba dive at world famous diving spots macam Sipadan, ramai sangat orang yang beratur untuk autograph saya.. :’)

On top of this, there is also an augmented reality app where you could have your pic taken so you will be pictured in your future! Sila cuba dan print out to lekat at cermin anda. Motivasi sebelum keluar rumah every morning!

Andai entri ini telah membuat anda piker ke hadapan, lawatlah website ING (www.ing.com.my) untuk ketahui pelan terbaik bagi anda. Masih belum terlewat.

Check out this clip to see how your dreams can be fulfilled.

for more vidoes, go to www.facebook.com/ING.Malaysia