{"id":43506,"date":"2020-07-02T14:16:04","date_gmt":"2020-07-02T06:16:04","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=43506"},"modified":"2020-07-23T17:31:08","modified_gmt":"2020-07-23T09:31:08","slug":"malaysian-critical-illness-survivors","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/malaysian-critical-illness-survivors","title":{"rendered":"4 Malaysians Share Their Tough Battle With Critical Illness"},"content":{"rendered":"<p>In partnership with\u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-43512\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13174858\/image002-1.jpg\" alt=\"\" width=\"93\" height=\"17\" \/><\/p>\n<p>Often, we think of critical illness as a distant unfortunate event that happens to older people. But, recent happenings have proven that the young are equally at risk as to the elderly.<\/p>\n<p>According to <a href=\"https:\/\/www.nst.com.my\/lifestyle\/heal\/2019\/11\/543142\/young-age%C2%A0no-barrier-heart-disease\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">experts<\/a>, critical illness such as heart attack can happen even if you are physically active and consider yourself healthy.<\/p>\n<p>From a\u00a0<a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2008\/06\/12\/boy-13-is-youngest-heart-attack-victim\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">heart attack<\/a> to a\u00a0<a href=\"https:\/\/www.thestar.com.my\/opinion\/columnists\/in-your-face\/2018\/10\/08\/i-am-33-and-i-just-had-a-stroke\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">stroke<\/a>, Malaysians are at risk for critical illness regardless of age and lifestyle.<\/p>\n<p>With the <a href=\"https:\/\/www.willistowerswatson.com\/-\/media\/WTW\/Insights\/2019\/11\/wtw-HP-2019-0236_2020-GlMedicalTrendsSR-v3-AW-LRL.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">increasing medical costs in 2020<\/a>, long recovery time, income reduction, physical and emotional struggles for you and your loved ones, the most practical action to take is to be financially prepared as early as possible.<\/p>\n<p>Here are the stories of four brave Malaysians who have seen the worst of critical illnesses and emerged victoriously. Let their stories give us the strength and awareness to take the right step towards better health and wealth.<\/p>\n<p><center><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/SdO1QDTdEjE\" width=\"800\" height=\"450\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/center><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Emily-Tan-From-fit-and-active-to-surviving-leukaemia-in-her-30s\"><\/span><strong>Emily Tan: From fit and active to surviving leukaemia in her 30s<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote><p><strong><em>&#8220;I don\u2019t think I\u2019d be here, honestly, if I didn\u2019t have insurance.\u201d<\/em><\/strong><\/p><\/blockquote>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-43507 size-full alignleft\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162701\/PMCC-1.jpg\" alt=\"\" width=\"500\" height=\"500\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162701\/PMCC-1.jpg 500w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162701\/PMCC-1-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162701\/PMCC-1-300x300.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162701\/PMCC-1-200x200.jpg 200w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<p><center><\/center>Emily Tan is a health and fitness professional who led an active lifestyle. Her career was on the fast track and she was well on her way to become an international fitness figure. From appearing on TV, radio and magazines as well as teaching, emceeing and performing internationally to being a business owner in Malaysia and Hong Kong, Emily was working hard to realise her dream.<\/p>\n<p>However, in her 30s and at her healthiest, she was taken aback when she was diagnosed with acute myeloid leukaemia (a type of cancer). Her dreams were suddenly put on hold.<\/p>\n<p>Fortunately, she had the support needed to make sure she could return stronger than before. Having medical insurance coverage, her treatment at the hospital was taken care of. However, she still faced a major problem with her finances.<\/p>\n<p>Sharing her struggle, Emily said, \u201cIt was tough because my insurance will only cover the medical costs, but the rest of it had to come from my own pocket. And my family had to chip in to help me with living expenses and things that were not covered by my policy.\u201d<\/p>\n<p>\u201cThe other expenses that I had were alternative treatment, second opinions and things that didn\u2019t really classify as medically necessary such as seeking nutritional support with functional medicine and mental health care with clinical psychologists. These were expenses I had to fork up, on top of rent, phone bills, grocery bills and transportation to the hospital.\u201d<\/p>\n<p>In retrospect, her healing process would have been easier if she didn\u2019t have to worry about her income and other incurring expenses. <a href=\"https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC3052954\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">A study<\/a> on wound healing processes shows that psychological stress delays recovery from injury and surgical procedures. Hence, a stress-free recovery period is of utmost importance to reduce complications.<\/p>\n<p>\u201cHaving insurance coverage, I realised is extremely important, because I honestly don\u2019t think I\u2019d be here if I didn\u2019t have insurance.\u201d<\/p>\n<p>Emily is now an advocate for mental health. She is more determined and focused than ever to make a change in the world.<\/p>\n<div class=\"block block--tips\"><div class=\"block__title\">Medical insurance only reimburses hospitalisation expenses while critical illness insurance pays a lump sum of money that you can use to pay for living expenses, alternative treatments, and use as a buffer if your income is affected.<\/div><div><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Hisham-Hamzah-Survived-a-heart-attack-in-his-30s-and-almost-could-not-provide-for-his-young-sons-future\"><\/span><strong>Hisham Hamzah: Survived a heart attack in his 30s and almost could not provide for his young son\u2019s future\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote><p><strong><em>\u201cThe worst thing that could happen is not having a financial cushion or financial protection for the future of my family.\u201d<\/em><\/strong><\/p><\/blockquote>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-43589 size-full\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/20133827\/PMCC-4.jpg\" alt=\"\" width=\"500\" height=\"500\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/20133827\/PMCC-4.jpg 500w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/20133827\/PMCC-4-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/20133827\/PMCC-4-300x300.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/20133827\/PMCC-4-200x200.jpg 200w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>Hisham\u2019s worry when he had a heart attack at age 34 was about his four-year-old son\u2019s future. With a loving family whose future was dependent on him, Hisham dreamed of the best education opportunity for his son and comfortable life for his family. Naturally, a heart attack was his worst nightmare.<\/p>\n<p>Despite the traumatic experience of a heart attack, Hisham said he decided to get back to work without taking the prescribed one-month rest from work. Fearing that he may be deemed unfit to continue his work, he showed up at the office just two weeks after his treatment to make sure he still had a job.<\/p>\n<p>Just like many breadwinners out there working to provide a quality life for their families, Hisham\u2019s own health came second to him. Instead of focusing on healing, Hisham was set to carry on with life to ensure the wellbeing and protection of his family.<\/p>\n<p>\u201cBecause I was worried, I wanted to show my employer that, \u2018Eh I\u2019m still fit, I can still work\u2019. So, that was the hardest thing I had to deal with.\u201d<\/p>\n<p>However, Hisham is grateful that he added critical illness insurance into his protection plan.<\/p>\n<p>He was beyond relieved to know that his follow-up medical expenses, his family\u2019s living expenses and most importantly, his son\u2019s education expenses would be covered.<\/p>\n<p>\u201cOne of the worries was my son\u2019s education. He was still very young and has a future right ahead of him. I was afraid I might not be able to provide for that future. So, when I got the insurance claim, I was happy to know that I could secure his future for the next few years.\u201d<\/p>\n<p>\u201cI used the lump sum payment mostly to secure my son\u2019s education for the next few years because I think that\u2019s the most important thing now. \u00a0Having the ability to do that gives me peace.\u201d<\/p>\n<p>After the scary realisation of what could be lost in an instant, Hisham appreciates his family more. His son still tops his priority list and he is even more focused on providing a financially-secured life for his family, more so in the event of unexpected emergencies.<\/p>\n<div class=\"block block--tips\"><div class=\"block__title\">The lump sum payout from critical illness insurance will help you deal with existing financial burden as well as acts as savings for your future plans. Hence, you would not have to jeopardise your financial goals, education plans, and big dreams. <\/div><div><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Jared-Marianne-While-Jared-faced-the-hardship-of-testicular-cancer-Mariannes-life-turned-upside-down-as-his-caregiver\"><\/span><strong>Jared &amp; Marianne: While Jared faced the hardship of testicular cancer, Marianne\u2019s life turned upside down as his caregiver<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote><p><strong><em>\u201cYou must think that insurance is not for you alone. It\u2019s for the people around you who are going to be burdened after that.\u201d<\/em><\/strong><\/p><\/blockquote>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-43508 size-full alignleft\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162713\/PMCC-2.jpg\" alt=\"\" width=\"500\" height=\"500\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162713\/PMCC-2.jpg 500w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162713\/PMCC-2-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162713\/PMCC-2-300x300.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162713\/PMCC-2-200x200.jpg 200w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>For a couple who were passionately pursuing their dreams, building careers, nurturing their relationship, cancer was not on the cards. The couple were focused and doing well for themselves when one day, one of them had to deal with surgery and chemotherapy while the other had to become a caretaker around the clock.<\/p>\n<p>YouTuber Jared was diagnosed with testicular cancer and was caught unaware of how bad the treatment would be, especially his rounds of chemotherapy.<\/p>\n<p>\u201cI didn\u2019t feel like myself. I was constantly hungry, but at the same time I couldn\u2019t eat, because I had no appetite. When I tried to eat, I would feel like vomiting.\u201d<\/p>\n<p>While Jared battled cancer and was concerned about his business, his wife Marianne took on the difficult task of being his caregiver. She had to deal with his post-treatment procedures and chemotherapy side effects.<\/p>\n<p>Jared shared a particular experience Marianne had to go through.<\/p>\n<p>\u201cChemo farts are on the next level of smell and she had to bear with it. The smell is like chemical level and it sticks to your blanket. As I couldn\u2019t walk around after my surgery and chemo, the blanket smelled really bad.\u201d<\/p>\n<p>Taking on the role of caregiver, Marianne was starting to grow wary of their household expenses.<\/p>\n<p>\u201cI was looking at Jared, not just feeling worried about his state of health, but also worried about the cost of his illness. Is this going to cost us our home, cars and the business?<\/p>\n<p>Her worry about financial constraints was soon put to rest because they found out that Jared was covered by critical illness insurance.<\/p>\n<p>\u201cOur insurance agent came in and quickly took charge of everything, assuring us that it\u2019s all covered. The money from the lump sum payout could be used to cover for any expenses we had such as those related to our household &#8211; utility bills, monthly mortgage, our car instalments; it was not restricted to Jared\u2019s hospitalisation and medical treatment. That just instantly took so much weight off our shoulders.\u201d<\/p>\n<p>Jared and Marianne worked as a team and overcame what could be the toughest hurdle of their lives. They had each other and the lump sum payout from critical illness insurance to ensure things were under control, even when both of them were knee-deep with treatments and post-treatment care.<\/p>\n<div class=\"block block--tips\"><div class=\"block__title\">Critical illness affects all your loved ones financially, physically, and emotionally. From the diagnosis to the surgery and the post-treatment care, your loved ones are going to be involved. Critical illness insurance will reduce the financial impact and provide a better healing environment for you and your loved ones. <\/div><div><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Jeslinda-Paul-A-model-who-had-to-pick-up-the-pieces-of-a-shattered-dream\"><\/span><strong>Jeslinda Paul: A model who had to pick up the pieces of a shattered dream<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote><p><strong><em>\u201cTo have a clear mind, you need your finances secured. That\u2019s what I believe in and it really helped me when I had it secured.\u201d<\/em><\/strong><\/p><\/blockquote>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-43509 size-full alignleft\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162722\/PMCC-3.jpg\" alt=\"\" width=\"500\" height=\"500\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162722\/PMCC-3.jpg 500w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162722\/PMCC-3-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162722\/PMCC-3-300x300.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2020\/05\/13162722\/PMCC-3-200x200.jpg 200w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>She had a corporate dream and a passion for modelling. She was also young and all set for a grand life full of opportunities, hope and positivity. Unfortunately, Jeslinda Paul Devasahayam was involved in a car accident when she was 23 years old.<\/p>\n<p>Jeslinda saw her dream shatter right in front of her eyes. Suffering a spinal cord injury, she had to rebuild her life\u2026 on a wheelchair.<\/p>\n<p>She was worried about her family, her work and other limitations to her normal routine, but her main worry was money.<\/p>\n<p>\u201cWho is going to support me, the surgery and everything after that? Finance was one of the main worries besides my career and whether everything would be okay. Those were my thoughts.\u201d<\/p>\n<p>Jeslinda had just started working and didn\u2019t think much about insurance and being financially protected. She relied on the insurance from her employer and believed she was still too young to worry about insurance.<\/p>\n<p>In retrospect, Jeslinda regrets not having taken action earlier.<\/p>\n<p>\u201cLooking back, if I had my own insurance protection, it could have helped me heal better.<\/p>\n<p>\u201cBecause when you know your finances are secured, you don&#8217;t need to worry about it, and you can focus better on your healing.\u201d<\/p>\n<p>\u201cWhen finance comes into the picture, you tend to overthink a lot and you can be very negative- minded.\u201d<\/p>\n<p>A year after the accident, Jeslinda enrolled in an accounting degree at Victoria University Sunway Campus to learn new knowledge and to pursue her dreams in the corporate world so that she could become independent again.<\/p>\n<p>Strong-willed and determined to make the best of her life and not let her disability get in the way of her dreams, Jeslinda is steadily making her way onwards.<\/p>\n<div class=\"block block--tips\"><div class=\"block__title\">As life is unpredictable and unexpected things can happen at any time, it is best to be prepared starting from youth. Planning your insurance and protection early in life will ensure a secure future. <\/div><div><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Critical-illness-insurance-Do-you-really-need-it\"><\/span><strong>Critical illness insurance: Do you really need it?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"block block--warning\"><div class=\"block__title\"><\/p>\n<p>Basic medical insurance will cover your cost of treatment, medication and hospitalisation while critical illness insurance will pay a lump sum payout once you are diagnosed with a critical illness.<\/p>\n<p>You can use the lump sum payout to pay for follow-up medical costs which include alternative treatment, supplements, consultations and even financial support to the family which will not be covered by your medical insurance.<\/div><div><\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"3-questions-you-need-to-ask-when-you-choose-a-critical-illness-insurance\"><\/span><strong>3 questions you need to ask when you choose a critical illness insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When it comes to critical illness insurance, there are a lot of providers out there and you might be confused to nail down the one that is best for your needs.<\/p>\n<p>It is always wise to single out insurance providers who are going above and beyond to provide comprehensive coverage. For instance, Prudential\u2019s PRUMy Critical Care solution covers almost double the number of critical illnesses than the average.<\/p>\n<p>Some of the things that you need to keep in mind while choosing a critical illness insurance scheme are:<\/p>\n<p><strong>1. How many critical illnesses are being covered by the scheme?<\/strong><\/p>\n<p>PRUMy Critical Care provides among the highest coverage in the market. While most providers cover only 70-80 critical illnesses, Prudential is offering financial protection against 160 conditions.<\/p>\n<h4><strong>2. What are the age limit and other coverage requirements?<\/strong><\/h4>\n<p>PRUMy Critical Care covers you up to age 100 for early, intermediate and late-stage detection.<\/p>\n<p>It also provides protection in the event of a re-diagnosis for three of the most prevalent diseases \u2013 cancer, heart attack and stroke.<\/p>\n<h4><strong>3. Any special coverages?<\/strong><\/h4>\n<p>PRUMy Critical Care has additional Special Benefit coverage on Diabetic Related Conditions and Joint Related Conditions.<\/p>\n<p>Moreover, it also comes with comprehensive critical illness coverage that allows multiple claims up to 400% of the rider sum assured. Don\u2019t let your age, your lifestyle, or your lack of awareness stop you from living your best life. Get critical insurance coverage now and get peace of mind. Speak to a Prudential Wealth Planner today through a virtual insurance consultation, all from the comfort of your home.<\/p>\n<h3><div class=\"block\"><div>Find out how <a href=\"https:\/\/www.prudential.com.my\/prumy-critical-care\/en\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">PRUMy Critical Care<\/a> can protect your finances during challenging times. <\/div><\/div><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s what they learnt from their experience.<\/p>\n","protected":false},"author":44,"featured_media":43590,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[266,133,256,236],"tags":[208],"class_list":["post-43506","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-critical-illness","category-insurance","category-lifestyle","category-sponsored","tag-featured"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 Malaysians Share How They Survived Critical Illness<\/title>\n<meta name=\"description\" content=\"Emily, Hisham, Jared, and Jeslinda are Malaysians with one common thing: They are the survivors of critical illness. 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