I Tot Insurance Waste Money, Now Regret Until Want Cry Liao
Last time, I always say one – insurance is scam lah, waste money only. I earning good salary, early 30s, life still young, healthy like bull. Every month my pay come in, I eat good, drive car, go gym, travel here and there. Got confidence, think I invincible like that.
Then few months ago, my friend – Jason – come talk to me. He insurance agent lah, say wanna help me “future-proof” my life. I tell him, “Bro, I no need lah. I earning 8K plus a month, got savings, still single. Why I need to give money every month to insurance when I can enjoy now?” I even say, “Touch wood lah, I not gonna kena anything.” He just smile and say, “Just think about it bro, later don’t regret.”
I tot he just trying to hit quota.
Then one day, everything change. I suddenly feel one side of my body damn weak, like left arm and leg no strength. I tot I just overtrain at gym. But it got worse – cannot balance properly, talking also slur. Go hospital, doctor say it look like stroke but not exactly stroke. Some rare nerve problem, they still investigating. Scan here scan there, blood test after blood test. No solid answer. Only thing confirm – I become half paralysed.
Now I at home, can’t work, can’t drive, need help to shower, walk also must use cane. Every day my parents take turns take care of me. My high salary? Gone. Company only pay for few weeks, now no income liao. My hospital bill also start to pile up like mountain. One scan already few thousand dollars. Therapy? More money. Medicine? Also money. All come out from my own pocket.
I finally think back to that day Jason come talk to me. If I had taken the critical illness cover or disability income plan, maybe now I don’t need worry about money. Got payout can help cover my cost, at least I can focus on healing, not stress about bills.
Now I regret until want cry. I always tot insurance is for weak people or old folks. But when something really happen – doesn’t matter young or fit – life can flip anytime. The irony is, when I could afford it, I didn’t buy. Now I need it, I can’t even qualify for any plan.
So please ah, if you reading this, don’t be like me. Don’t wait until something happen then regret. Just because you doing well now doesn’t mean you untouchable. Life no guarantee one. If you got friends selling insurance, maybe don’t brush them off so fast. They not just selling, they trying to save your future.
Insurance may not be sexy, but you know what’s worse? Losing everything when you least expect it.