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        <title>Lowyat.NET: Latest topics by louisetan29</title>
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        <link>http://forum.lowyat.net/</link>
        <lastBuildDate>Sat, 11 Jul 2026 08:08:23 +0800</lastBuildDate>
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            <title>A Cheaper Alternative to Medical Card</title>
            <link>http://forum.lowyat.net/topic/5035515</link>
            <description>&lt;span style='font-size:14pt;line-height:100%'&gt;&lt;a href='https://pictr.com/image/7hZjT9' target='_blank'&gt;&lt;img src='https://pictr.com/images/2020/10/03/7hZjT9.md.jpg' border='0' alt='user posted image' /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.theedgemarkets.com/article/tech-crowd-sharing-could-mitigate-escalating-medical-costs?fbclid=IwAR1ED8NC87zyBmUAzGcjTlAmgNJ3SLCh_nqd94Yh2Haa0WrL07weMxtPnwg' target='_blank'&gt;The Edge Market Report&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://www.theedgemarkets.com/article/insurance-medical-insurance-premiums-rising-unsustainable-rate-says-liam' target='_blank'&gt;Insurance Premiums Rising at an Unsustainable Rate (September 2020)&lt;/a&gt; &lt;br /&gt;&lt;br /&gt;Today, in Malaysia, &lt;span style='color:red'&gt;medical cost inflation&lt;/span&gt; is increasing at between 12% and 15% a year, which means that every 5 or 6 years, the bill doubles. So, if cancer treatments cost RM200k today, can you afford the cost in 10 years’ time?&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Introducing Malaysia&amp;#39;s First Medical Crowd Sharing Program. An alternative to expensive medical insurance&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;𝗔 𝗯𝗲𝘁𝘁𝗲𝗿 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 lies in 🌟&lt;b&gt;&lt;span style='color:green'&gt;Life Engineering&lt;/span&gt;&lt;/b&gt;🌟, which brings “crowd sharing” into play - Ravinder Singh, general manager of the life and health division for South and SEA at Hannover RE &lt;br /&gt;&lt;br /&gt;You can’t predict the future, but you can be prepared for it. Enjoy 𝘄𝗶𝗱𝗲 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 with 🌟Life Engineering🌟 and protect you and your family with the 𝗺𝗼𝘀𝘁 𝗲𝗳𝗳𝗲𝗰𝘁𝗶𝘃𝗲 and 𝗰𝗼𝘀𝘁 𝘀𝗮𝘃𝗶𝗻𝗴 medical security&amp;#33; &lt;br /&gt;&lt;br /&gt;𝗘𝗹𝗶𝗴𝗶𝗯𝗶𝗹𝗶𝘁𝘆: Healthy Malaysians from 6 to 40 years of age. &lt;br /&gt;&lt;br /&gt;&lt;span style='color:red'&gt;𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀:&lt;/span&gt;&lt;br /&gt;1️⃣NO overall lifetime limit &amp;amp; high annual limit of up to RM1 million + RM200K increment every subsequent year&lt;br /&gt;2️⃣RM30K Out-patient cancer treatment coverage (electrotherapy and chemotherapy)&lt;br /&gt;3️⃣Bereavement payment up to RM 5000 + RM1K increment every subsequent year&lt;br /&gt;4️⃣No hospital entry fees (co-insurance)&lt;br /&gt;5️⃣Hassle-free admission to all E-mas hospital panels around Malaysia (&lt;a href='https://www.lifeengineering.my/panel-hospital/' target='_blank'&gt;Full list of panal hospitals&lt;/a&gt;) &lt;br /&gt;6️⃣Life time with no age limit as long as you are an active member of Life Engineering&lt;br /&gt;7️⃣RM 0 (minimum) to RM50 (maximum) monthly crowd share. Share only when admitted. &lt;br /&gt;&lt;br /&gt;Message me (&lt;a href='http://wa.me/60103142525' target='_blank'&gt;Whatsapp &lt;/a&gt;) for online appointment / F2F appointment for more information. &lt;br /&gt;Registration takes only 10 minutes.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;&lt;a href='https://pictr.com/image/7hZeq8' target='_blank'&gt;&lt;img src='https://pictr.com/images/2020/10/03/7hZeq8.md.png' border='0' alt='user posted image' /&gt;&lt;/a&gt;</description>
            <author>louisetan29</author>
            <category>Services Noticeboard</category>
            <pubDate>Sat, 03 Oct 2020 13:07:16 +0800</pubDate>
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            <title>CIMP/ ICPU/ SAM?</title>
            <link>http://forum.lowyat.net/topic/2762366</link>
            <description>Hey guys, i&amp;#39;m currently 16 and currently an IGCSE student. I will be taking IGCSE on May 7th. And after that, i have to consider my further studies. I&amp;#39;m currently interested in Pre-u either in Taylor&amp;#39;s or Sunway for International Canadian Pre-University (ICPU) or Canadian International Matriculation Programme (CIMP) OR South Australian Matriculation (SAM)&lt;br /&gt;&lt;br /&gt;I&amp;#39;ve done my own enquiries on CIMP at Sunway College, The programme takes approx 1 year to finish and in the end we graduate with an OSSD (Ontario Secondary School Diploma) and i have to take 6 subjects in 2 semester, and taking 3 in one semester. In fact, i&amp;#39;ve asked about SAM in Taylors too. &lt;br /&gt;&lt;br /&gt;In my opinion I would definitely prefer CIMP as it is 70% coursework and 30% exams while Cambridge A-Levels is 100% exam based.I rather prefer this system than a total 100% exam based because i&amp;#39;m also used to doing coursework and teamwork projects in my early years of studying. Next, the intakes of CIMP in Sunway is in July and i get to finish by next June. Furthermore it only takes one year like foundation and SAM.&lt;br /&gt;&lt;br /&gt;My worry is, will universities discriminate me just because I have an OSSD instead of an A-Level qualifications? That is what I am most worried of currently. My aim is to study Dentistry in IMU (well, i hope i succeed) or Pediatrist  I&amp;#39;m planning to study overseas if my path to Dentistry is still there in future. &lt;br /&gt;&lt;br /&gt;[B]So, here is the question: CIMP/ICPU OR SAM? or other courses? [&lt;!--emo&amp;B]--&gt;&lt;img src='http://static.lowyat.net/style_emoticons/default/cool.gif' border='0' style='vertical-align:middle' alt='cool.gif' /&gt;&lt;!--endemo--&gt;&lt;br /&gt;&lt;br /&gt;Please do advice me as soon as possible and thank you for your time&amp;#33;</description>
            <author>louisetan29</author>
            <category>Education Essentials</category>
            <pubDate>Thu, 04 Apr 2013 21:08:00 +0800</pubDate>
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