Nica

Mother serba boleh. Klik link di bawah untuk quotation hibah/medical card takaful

[Nica @farhananeesa]

Harini i nak share 1 claim TPD atau hilang kekal upaya lulus. Client ambil plan hibah sebulan RM76. Hibah bukan untuk kematian je tau.... sambungan dibawah

[Stoner Sepenuh Masa @stonerfulltime]

Benda simple. Tiket flight mahal.

[kyuhaenna @kyumadethings]

Leona dengan michael ang pun pakai brand ni, maksudnya highly recommended la kan? Harga below RM22 pulak tu!

Tapi banyak juga jenis moisturizer yang brand ni keluarkan. Jangan confius, jom kita tengok benefit setiap satu👍🏻

[Azizul Farhan @AzizulFarhan2]

"Kes Jalil Ibrahim: 10 Sen Yang Mendedahkan Skandal Penyelewengan Terbesar Negara!"

Korang tahu tak, sebelum CIMB jadi Bank Sotong, CIMB atau dahulunya Bank Bumiputra pernah terpalit dengan kes penyelewengan berjumlah RM 2.5 billion pada 1983!

[CodeBlue @codebluenews]

BNM will require a co-payment option in health insurance by this Sept at a minimum 5%, no cap stated.

For example, if an insured patient receives an RM50,000 hospital bill, a 5% co-payment means the patient has to pay RM2,500 in cash out of pocket, despite having regularly paid premiums.

Deputy Finance Minister Lim Hui Ying told the Dewan Rakyat special chambers last July 1 that BNM's new co-payment policy is aimed at incentivising “more responsible usage of health care services” to reduce costs on insurance providers, citing medical inflation and the “buffet table syndrome” as the main drivers of a rise in health insurance premiums.

In response, the Galen Centre for Health and Social Policy points out that no one wants to get a chronic illness like kidney failure, cardiovascular disease, or cancer just to utilise their insurance coverage.

“By introducing a co-payment feature which will eventually replace existing products, insured patients could face large out-of-pocket payments beyond their means in the case of a major illness,” says Galen Centre CEO Azrul Mohd Khalib.

“Ironically, it could create the very situation which individuals expect to be protected from by having health insurance.”

The Galen Centre expects people to cancel their health insurance policies with the introduction of co-payments and go to the public health care system instead, thus increasing demand on already overloaded government hospitals and health care clinics.

“Is Bank Negara’s new policy requirement ultimately going to be of more benefit to insurers and private hospitals, rather than patients and their families?”

Read more:

https://t.co/7wVAHepPLC

[Char Kuey Tiaw @DeanOrDeen]

Oi..sedap woi. Rm1 je mulai esok kat 7 Eleven. Ada Oat and 0 sugar.

[ian @lANZAlNAL]

Aku kekadang respek juga orang yang buat video macam ni punya effort. Kau bayangkan dia letak camera dalam rumah, lepas tu dia keluar semula dan berlakon masuk rumah lagi sekali.

[Nica @farhananeesa]

coconut matcha ☑️ next

[Nica @farhananeesa]

Balik perlis kalini kita ada list ek nak makan apa hahahaha
1. Nak makan cake oven rimba
2. Nak try matcha coconut cynta coffee
3. Nak try cookies terbaru hanimlicious
4. Ofcos honey ciken mustard kwason ngopi

[Nica @farhananeesa]

fuhhh power! berminat nak buat retirement @ education plan can dm me

[Nica @farhananeesa]

eee kalau ada duit lebih memang akan letak duit rm350 min kat plan ifiniti. Power betul simpan 10 tahun je biar duit grow la sampai 100 tahun. Tahun ke 11 akan dapat elaun every month. Elaun tu nak reinvest pun boleh no prob. Yg best boleh buat legasi plan

[Nica @farhananeesa]

Yg kita cakap legasi plan tu sebab i ambil untuk dia umur 3 tahun, plan ni cover sampai 100 tahun. Time tu kita pun takda dah tp dia boleh ek hibahkan pada anak dia pulak

[Nica @farhananeesa]

dia rasa ringan tau kepala. Last month rambut pun tak tejaga kusut dgn gugur lagi simtom mak2 ni🥲

[Nica @farhananeesa]

best gila salon td. shampooo + urut kepala + gunting. RM35 🫶🏻🫶🏻

[Nica @farhananeesa]

Ada durirun dekat balik pulau nak join tp clash date dgn family day

[Nica @farhananeesa]

Next marathon

[Nica @farhananeesa]

Bucketlist 2024 (personal)
✅ Glamping
✅ Join marathon run
✅ Pottery class
✅ Tufting
✅ Volunteering
✅ Hiking

[Nica @farhananeesa]

glamping checked ✅ ternyata tak sesuai untuk smol family yg ada baby 😂🤪

[Nica @farhananeesa]

30 already?

[Nica @farhananeesa]

turns 30 years old on 30 May 👻