06/08/2026
我们的客户
一个真实故事，很感触。
一位顾家好男人，在新加坡担任 F&B 高层。
最近确诊肝癌末期，目前在马来西亚政府医院接受治疗。
很多人都以为：
**「进政府医院，医药费就是全免。」**
其实，并不是。
很多治疗还是需要病人自己承担。
就拿他的情况来说，目前化疗（Chemo）药物需要自行到 Pharmacy 购买，一个月大约 **RM7,000**。
除此之外，他还有：
• 太太是外国人，也是全职家庭主妇。
• 家里有四个年幼的孩子。
• 房贷、车贷都还没供完。
最让人心酸的是……
为了家里的开销，即使正在接受癌症治疗，他还是必须来回新加坡继续工作。
因为生活，不允许他停下来。
更无奈的是，早年因为已经有心脏病和糖尿病，后来已经买不到医疗卡。
人生很多事情，不是没有规划。
而是有些风险，等你发现的时候，已经来不及了。
很多人问我：
「政府医院不是很便宜吗？」
是，相比私人医院确实便宜很多。
但**"便宜" 不等于 "完全免费"**。
有些药物、特殊治疗、检查、长期复诊，甚至交通、收入中断、家庭开销……这些都是现实。
保险，从来不是为了赚钱。
也不是买了就一定会用到。
真正的意义，是当人生发生意外的时候，不会因为一场病，把整个家庭一起拖垮。
愿这位爸爸早日康复，也希望每一个努力撑起家庭的人，都能平平安安。
❤️ 如果你身边还有家人或朋友认为「政府医院全部免费」，不妨把这篇分享给他。
有时候，多知道一点，未来就可能少后悔一点。
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One of our clients
A story that really stayed with me.
A devoted husband and father, working as a senior executive in the F&B industry in Singapore, was recently diagnosed with end-stage liver cancer.
He is now receiving treatment at a government hospital in Malaysia.
Many people assume that treatment at a government hospital is completely free.
The reality is... it isn't.
While government hospitals provide highly subsidised healthcare, many costs still have to be paid out of pocket.
For his case, his chemotherapy medication is not fully covered. He has to purchase it from the pharmacy himself, costing around **RM7,000 every month**.
On top of that:
• His wife is a foreigner and a full-time homemaker.
• They have four young children.
• Their home loan and car loan are still ongoing.
What breaks my heart the most is this...
Even while undergoing cancer treatment, he still has to travel back to Singapore to work because his family depends on his income.
Life simply doesn't allow him to stop.
To make matters worse, he had heart disease and diabetes years ago, making it impossible for him to qualify for a medical card later on.
Life is unpredictable.
Sometimes it's not that we didn't plan ahead.
It's that by the time we realise we need protection, it's already too late.
People often ask me,
"Isn't treatment at a government hospital free?"
Government hospitals are indeed much more affordable than private hospitals.
But **affordable does not mean completely free.**
Certain medications, specialised treatments, follow-up care, transportation, loss of income, and daily family expenses can still become a heavy financial burden.
Insurance is never about making money.
It's not something you buy because you expect to use it.
It's about protecting your family from financial hardship when life takes an unexpected turn.
I sincerely pray for his recovery.
And I hope every hardworking husband, wife, father and mother who carries the weight of their family can stay healthy and safe.
❤️ If you know someone who still believes that "everything is free at a government hospital," feel free to share this post.
Sometimes, knowing a little more today can save a lot of regret tomorrow.
#保险就是在不需要时准备 #等需要时已太迟 #政府医院 #保险的重要
