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Breastpump I used

 I wonder before the inventing of breastpump, how baby consume breastmilk if mummy is away?

Btw, i never survey any breastpump until I feel engorge. That also I just simply buy the cheap but not so cheap item, that is Autumnz Hybrid, around RM200++. I have no choice that time because baby don’t want to latch and I need to pump out. Also my supply is quite low that time so i need to power pump to increase my yield. 

However, I experience nipple sore after pumping. Sometimes i just tahan coz dont want baby drink formula. After 2 weeks when baby successfully latch on me with no issue, my mum still nagged me to pump. That time i was very scare to pump, until I found out Lacte Omnia from Facebook Super Mom Duper Kids. 

The seller quickly point out that the Autumnz pump nipple size is too large for me. So she suggest Lacte Omnia because it has smaller nipple size.

Now I pump happily, but baby still dont want to drink from bottle 🤪

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Diapex Pampers Diapers Review

 The first thing that come across me when seeing this packaging is that it is too colourful and does not look professional. However, I came across some mum commented it is soft and has the same quality as Applecrumby. Plus I get it quite cheap, around RM0.30++ for a pieces, from Sunshine Square. 




Also it is quite light weight as other premium pampers does. If u ever carry Genki you will know how light is Diapex.

Let me try on my baby tomorrow and update here. She is 3 month old now.

FYI, Diapex seem to be a local product that produced in Nibong Tebal, Penang. Correction: the company name is Nibong Tebal It has siamese word on the package. Maybe the company also ship to Thailand.

-------------------------------------

Tried it yesterday. When she poo it leaked out twice. :-/ Maybe it is still small for my baby. I will update here time to time if I find Diapex is good to use when she grow up. 

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Huggies Pampers Review

Writing a review for Huggies as I tried all their pampers. 

Their production ranking should be like this: 

(1) Huggies NatureMade  - more premium and most expensive 

(2) Huggies Ultra Natural Soft - I like this, good value

(3) Huggies Dry - most cheap

My baby first pampers is Huggies Ultra Natural Soft and I still find it very useful to use at night as it can absorb very well and leave my baby bum dry. This is the brand I repeat order for the most. 

I don't like Huggies Dry as it caused rashes to my baby bum, when she wore only about 2-3 hours. I won't buy again. 

I thought Huggies NatureMade would be the most premium and most suitable for my baby. Furthermore it does not use chemical and chlorine to produce it. But it actually can't really absorb well, so I wear for my baby during the day only. I won't buy again after his finish as it is quite expensive. 


p/s: Look out for maxtec365 to buy cheap Huggies Ultra with free shipping from Shopee! I bought newborn and S size from them. They do not sell M size so I need to move to other seller. 

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Baby Reject Bottle

I successfully established breastfeeding at the end of my confinement. I thought baby will normally take from bottle easily as I became baby before, and I never see any baby reject bottle. To my surprise, my breastfeed baby reject bottle! 

My husband laughed at me that before this I cried during my confinement month because she don't want to drink from my breast, now I stressed up because she don't want to drink from bottle. :-/ 

I will write in chronology so it is easier to narrate. 

Week 5

At Week 5 when baby went to Klinik Kesihatan to check up I still feed her bottle. Pigeon wide neck SS size was used. 

Week 6 

This weekend we went to Lam Wah Hospital for check up. I brought expressed breast milk (EBM) in bottle but she seem to refuse to take. According to Gina's book Love Breastfeeding, baby should introduced bottle at Week 4 - 6. I didn't notice this as I am too busy taking care of baby on my own. 

Week 8 

I start to train baby to take bottle after CNY, which is at Week 8. Not success. She rejected and cried so loud like we bullied her. This is a more okay version. This is the after I try to feed her bottle. I never get to capture the moment she cry like hell.  Then I begin to search at ask around. 

Week 9 - 10

Baby started to drink from bottle! 
Some tips I gather when I ask around is as below: 

This is when she drink like champion. I hope she did this again. 


Week 11-12

Just when I though I had successfully bottle train my baby, she suddenly not okay to feed on bottle again. I suspect it is frozen breastmilk (FBM) that result this, or maybe the lipase taste in FBM, but when I try with very fresh EBM, she only took one time this whole week when bottle feed by her dad.

Week 11 reject bottle video. 

Thought of buying Hegen for baby but it is expensive and I am sure my husband will disapprove my suggestion. Even buying MAM bottles for baby to try, he seem to be unhappy already. 

Maybe I try MAM bottles again till the weekend and see how. I might considering buying Hegen if she don't want to take at Week 13. Also I think Hegen is so nice but it is so expensive. T.T

Week 13 

I bought Hegen! But scare to try on baby. Btw, I think the following tips is useful: https://www.kelabmama.com/cara-ajar-bayi-minum-susu-botol-sebelum-mama-kembali-bekerja/


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Baby Carrier to use in Malaysia

Due to the surge in positive cases, I might have chance to work from home after my maternity leave. My baby constantly needs hug or need to me hug to sleep so I think a baby carrier might free my hand to WFH. 

Actually I bought a fake Baba Sling from Shopee when she reject to latch on me. But I never use it as it is so hard to use. I regretted. It cost me RM30++. 

When baby is 2.5 months, I try on Baba Sling again and posted to Facebook Group Malaysian Babywearing to troubleshoot. Many commented it is dangerous to carry baby like this: 



Due to the comments, I decided to look for some thing easy to wear. Many recommend soft structured carrier (SSC), some suggested ring sling (RS) in Facebook Group Malaysian Babywearing. I asked in TBAN also, a breastfeeding group, but the admin did not allow comment for my post, she asked me to contact Mummy Charmaine, who is an expert in babywearing. 

Actually I was quite scare that Mummy Charmaine will charge me huhu. But so far when I consult her she did not charge me yet. Mummy Charmaine has a company Unison CA, so she recommend her ring sling product as I told her my budget is around RM200+. I see many people also give good review in the Malaysian Babywearing Facebook Group for Maru Ring Sling. Eventually, I bought Maru Ring Sling from Shopee because it is RM20 cheaper than her online shop. It is authentic. 

Because I bought Maru RS from Shopee, I asked the shop to help me to troubleshoot. So far the shop is also very nice, very friendly to help me to troubleshoot. 



But while waiting for my Maru RS to come, Lazada pula has massive sales on baby items on 1 March! 

I had eyeing on Chicco Easyfit for a long time as I read that it is easy to fit. It is RM198 you know when the item is on sales. Quickly, I click on buy button without hesitation. 

But I recalled many people are using Tula and giving good , so I decided to search in Lazada too. To my surprise, a RM800++ retail price carrier, only sold at RM575! This is Tula Explorer Mesh which you can carry the baby facing front when baby is 6 months old. Quickly buy this as I so like the Sophia design and there are mesh. Mesh and non-mesh only different for RM15. I bought mesh so that baby wont get hot. And I return the Chicco Easyfit. Picture of me with Tula Explorer Mesh


Tula Explorer Non-Mesh version also has yellow mustard colour which I like. 

Actually CuddleMe is not a bad choice for SSC. It is produced by our neighbouring country, Indonesia. Also, there are Malaysia made SSC called Tugeda which cost around RM200++. I didn't buy because I dont like the design. It is too cartoon. 

Back to Tula Explorer, I think I probably get the cheapest price. I am so happy. Also, when I post photo to the seller, the seller very responsive and friendly to help me to troubleshoot. 

Reasons for me to buy baby carrier 

Overall, I am so happy with my two new carrier. I am so surprised I can spend about RM800 on carrier only.

(1) But I made excuse that I won't be getting stroller so it is okay for me to spend on carrier. 

(2) Also I am breastfeeding my baby so I can save on formula and I can use the money to buy carrier. 

(3) Also baby carrier can help me to breastfeeding in public without need to find nursing room, but I haven't try.

(4) Buy 2 so that when one is at laundry, I can use another one. 

(5) Baby is getting heavy, when I hug her I can use baby carrier

(6) I use my baby carrier to carry my baby to sleep to keep two of my hand handsfree. Just now I just carry baby in Tula SSC walking around the house when having my lunch. Life become so easy. Baby sleep after I had my lunch. 


Do you have question or comment on baby carrier? Leave your comment, we can discussed. :-) 



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Baby Reject Breastfeed - How I successfully established breastfeed when baby reject it.

Day 1


Before this I thought delivery and breastfeeding are very easy and I will come get use to it naturally.

However, during delivery, I don’t have energy to push thus Dr decide to use vacuum for me.

The worst thing come in for breastfeeding. During the skin to skin session, I thought of breastfeed my baby but no nurse help me with. The nurse do ask me to breastfeed my baby 6 hours I deliver her.

My left nipple hurts during the first breastfeed, then my right nipple hurt after trying to breastfeed 3 hours later. The milk I can produce is only 0.2ml, and the nurse said the normal volume should be 3ml. She cry every time after I feed her. I scare my baby will be hungry, thus I ask the hospital to ‘top-up’ the milk for her. I need to sign a paper as the hospital is labelled as ‘breastfeeding friendly’ hospital.


Day 2


Hospital used sipping cup to feed my baby, so I am still relieve it won’t result nipple confusion due to bottle feeding. But my worry come when I saw they feed 80ml for 1st and 2nd time, then 60ml (2oz). I think they had overfeed my baby, and I am so scare that my breastfeeding journey will be hard.

Called my sister and she said nipple sore is normal for Day 1-3, so I am relieved. I think nurse should tell me this. I thought there were something wrong on me.

I still continue to go to nursery room every 3 hours to feed my baby, but everytime I ended up turning my calm baby to crying baby.


Day 3


The hospital lactation consultant finally come in (they don’t work on weekend) and teach me how to latch baby properly. This is very useful to me. They ask me to take a deep breath to relax so that baby won’t cry and it really works.

Discharge today and sadly need to purchase formula milk for my baby. Feeding my baby with formula and make sure it does not over 60ml per feeding. Occasionally still feed her with breast, sometimes she want, sometimes she don’t want.



Day 4


Baby fed on formula and breastmilk. I was still using hand and manual to pump out the milk. But every pump only yield about 1-2ml. I was so sad.

On Day 4, there was a aunty who came to my house to help baby bath. She was surprised seeing me feeding baby with sipping cup. She helped me to feed baby with bottle and that day I cried.


Day 5-6


I finally feel engorged, good and bad news. Good news is I finally have milk, bad news is it is really painful. Successfully yield 3-5ml each time but still cannot catch that 60ml. Ordered electric pump online.

Baby now seem starting to refuse breastfeed. I am worry and called the hospital lactation consultant for help. They suggest doing skin-to-skin everyday and express out the milk.

When she hungry, she cry very loud and seem very pitiful. Husband, although know the benefit of breastmilk, suggest that don’t let her cry for so long and just bottle fed her. But when my sister said if baby is used to formula and bottle, hassle will be on us, eg, need to sterilise bottle, boil water etc. Then my husband agree that we will continue to switch baby to fully breastmilk.



Day 7-8


Double electric pump reached. I ordered RM200+ one. Quite shock when I saw some electric pump can cost up to RM1k.

With electric pump, each time I can yield about 20ml. I am quite satisfied. I was thinking if i can pump 20ml every hour, I can catch baby demand already.

Sometimes she refuse breastmilk, as the formula is sweet (yes I taste both formula and my breastmilk on my own).


Day 9


On the day, able to feed baby with fully breastmilk. When she refuse to suck from my breast we use cup or stringe to feed her.

At night, she cry very loud and I don’t have pumped breastmilk anymore. I asked my mum to give her formula milk, but my mum kinda force her to suck from my breast. I am grateful that due to my mum persistent, she finally accept to drink from my breast! A full day breastmilk day with a little drama at night.


Day 10 onwards


Finally fully breastfeed my baby. I guess she had forget the delicious sweet formula milk.




p/s: However, baby now reject bottle which caused headache to me. :/

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Giving Birth at Lam Wah Ee Hospital, Penang

 I tried to search about people experience at Lam Wah Ee Hospital but in website I seldom couldn't find it. Thus I would like to review here now! 

1. Pricing: 

Pricing is RM2500 for normal ward and can go up to RM4000 for VIP room. I choose 4 people ward around RM2800. But then LWEH know I am claiming insurance so the bill total up to RM4000. Lesson learnt: Don't let hospital know you are claiming insurance. Some more my the insurance I am claiming has co-insurance leh. I am really dissatisfied with this, talking about money. 


2. Deliver: 

You need to pay at least 2 visit to the doctor if you plan to deliver there. Actually is see the doctor want to accept you or not hahaha. 

During deliver, I thought they will teach me how to push and how to breath but they didn't. 

They do have epidural but you need to inform the doctor in advance you want to use it. 

For me, I want to save money so I didn't opt for epidural. But I got use laughing gas and pain killer injection at last. I thought I won't need to use any aid to deliver in the beginning. Lastly doctor use vacuum cause they say I don't know how to push. I thought the nurse will teach. T.T

Talking about the experience, due to the Covid season, I need to do rapid test in order to deliver. I have my waist pain at 11pm at 11 December 2020, thought can have a good night sleep first before going to push out my baby, manatau at 11.30pm at 11 December 2020 got bleeding, so husband straight away sent me to LWEH. 

First, they did the rapid test, after 30 minutes confirm negative baru they admit me. I ask my husband go back to sleep first then only tomorrow teman me to push, cause the opening baru 2cm when I admit. 

Actually I even brought a book to read while waiting at the delivery room, but I didnt read at all. Actually more to hungry. Mummies, remember bring a lot of food when you check it. I feel hungry all the night. 

My opening reach 7cm at 7am, then 8cm at 10.00am. Husband reach delivery room around 10am after covid test. I think I havent reach 10cm they asked me to push already. I use laughing gas when my opening is 8cm, as it is quite unbearable. I dunno why the opening did not speed up. The nurse keeping asking me do you feel like pooing. 

When they decide it's time to deliver, the nurse shake my stomach, making my pain even worse. They ask me to push when there are contraction but I really cannot. Then at one time, they cucuk so that the water came out. And they say my contraction is quite week and short. While I was pushing, I forget when did i request for injection already. 

At last, the doctor came in and say want to use vacuum. He cut a bit then proceed with vacuum. I was in relief that I do not need to go for emergency csec which will cost a lot money hehe. But I was also thinking can I use vacuum at the beginning? No need to push so hard. 


3. Breastfeeding: 

This is the part I am quite unsatisfied with. Claim to be a breastfeeding friendly hospital but actually not. Some of their nurse discourage me, however fortunately their lactation consultant help me a lot.

Actually, I want to breastfeed my baby right after her delivery when she do skin to skin with me. My husband asked help from the nurse but they didnt help at all. My sister deliver at PPUM, the nurse held the baby mouth to the breast in order to sucks. 

I was awaken to breastfeed my baby after 6 hours. Actually still within golden hours. They teach me football style. Both my nipples in pain after 2 sessions of breastfeed. Then the nurse say my nipple is short baby hard to latch on. Walau, do you know mum heart is very glassy after deliver. When I saw baby cry, I scare she will be very hungry, so I asked them how. They say can top up with formula, then they asked me to sign a letter that I am willing to let my baby feed on formula (ya la, breastfeeding friendly hospital must do this). 

I DID ASK THEM TO LET ME FEED MY BABY FIRST BEFORE THEY FEED MY BABY, BUT THEY DIDN'T. When I want to feed at 6am, the nurse say there will be doctors coming in so at that time no need to breastfeed baby. I get tricked on the second day but not the third day. 

AND THEY FEED 3 OZ!!! OMG!! How could a mum produce so many milk at the first day. I thought they will just feed at most 1 oz. If they feed 3 oz at the beginning how can the breastfeeding be success??

But fortunately they used cup to feed baby, so baby wont have nipple confusion. 

But, I did saw the nurse bottle fed a baby while I am at the nursing room. Maybe that is upon mum request. So fast all the nurse use cup to feed baby. 

However, on the third day (Monday, lactation consultant dont work on Saturday afternoon and Sunday), the lactation consultant come in and teach me how to latch. Take a deep breath help a lot as I am so anxious that baby don't want to latch on me. Thanks to the LWEH lactation consultant. <3 I am so happy that I can learn the latch technique before I check out from the hospital. And lactation consultant said my nipple actually not that short don't worry. This is the assurance I wish to hear from. 

I also want to say thanks to my sister who reassure me that nipple pain is normal and just continue to breastfeed. My nipple pain for the whole month during confinement. It become normal when baby is at 1.5 month. So mummies, don't worry about nipple pain! Or if you think baby latching is incorrect you may find the lactation consultant to check for you. 

-----------------------------------------------

Overall, this is my experience at LWEH. 

Pricing: 8/10 (still cheap compare to other private hospital) 

Deliver: 8/10 (ok la, the stitching is okay. My sister wound need to open again at PPUM and she fainted for 10 hours, sounds like a night mare for me)

Breastfeed: 7/10 (Maybe if you deliver during office hour and you have the lactation consultant teach you after deliver, this scoring might become 10/10) 


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Disposable Diapers / Pampers for baby comparison

 Once give birth to baby JR, my online shopping suddenly addicted to disposable diapers. I will give my review based on my experience. I bought my own diapers without sponsoring by anyone. 

Btw, previously I do not know baby poo only when wake up. It is so cute to see the expressiong of baby pooing hehe. 


1. PetPet NB / S size 

- The first diaper I bought for baby before she was borned as Shopee (Mum Club) has mother bag promotion which I only pay for the postage to get PetPet NB20. 

- After that, I purchase PetPet NB60 for RM23.90 from Shopee PetPet Official Store. 

- Actually the price can be cheaper Shopee PetPet Official Store, currently I success to bought S56 at RM18.9. 

- Price range: RM0.34 - RM0.40 per piece

- I use PetPet during my confinement during day time. At some time, my baby actually likes to wear it to sleep. The absorption is quite good. So far no leakage but sometimes when I change diaper I find out her bottom is quite wet. 


2. Mamypoko Organic NB / S size 

- The second diaper I bought for baby before she was borned. 

- I bought this because it has organic cotton as the lining of diapers! So far the cheapest organic S size diapers I saw. I quite obsessed with organic as I think it is good for baby.

- Price range: RM0.56 - RM0.76

- Nevertheless, baby poo leak out during the first night she sleep on our bed. I think it is because I didnt wear it properly. After that, I am quite careful to wear her diaper at night. 

- But I still prefer to wear her Huggies Natural Soft to sleep at night as this mamypoko seem cannot tahan so many liquid. Mamypoko is quite nipis compare to Huggeis Natural Soft and PetPet. 


3. Huggies Natural Soft NB / S size

- The first diaper baby used at Lam Wah Ee Hospital, the place she get born. I find this diaper has very good absorption, can really tahan 12 hours. I personally like this diaper very much. Plus it absorb the watery poo so baby bottom not wet. 

- Price range: RM0.46 - RM0.56 per piece

- I purchase my first and second pack of Huggies Natural Soft NB78 and S70 from online store at RM36.25 and RM33.90. Now I saw someone is selling S70 at RM31.99. 


4. Merries NB size

- I don't have pricing for this as this was given by my cousin. It is quite nipis, and I find out that my baby bottom is wet after she pee for a long time. Maybe this is just not suitable for me. 


5. Genki S size 

- I bought Genki S87 due to online promotion, about RM0.29 per piece.

- Price: RM0.29 - RM0.33 per piece

- Pernah one time terbocor when I hold baby in the upright position ON SOFA!! 

- After that, I don't dare to hold baby on sofa when I heard she pooing. 

- But actually this diapers can hold the poo very well if baby is at the lying position. It cannot absorb the watery poo like Huggies Natural Soft but it can hold the poo and pee until I change diapers for baby. 


6. Applecrumby S24 S size / M42 M size 

- I don't really have experience with this S size diapers. 

- But their M size M42 is really cheap when there is sales at Shopee. I had bought 20 packs of Applecrumby at approximately RM21/pack to keep. Means this is like RM0.5 per pieces. So I can switch my organic range from Mamypoko to Applecrumby when my baby using M size. 

- Personally if you are an organic stuff addict like me, use Mamypoko NB and S and Applecrumby M for economic purpose. =) 


6. Huggies Platinum S84 S size 

- Not really keen on this but so far dont have bocor issue. 

- Price range: around RM0.50 per piece online 


6. Drypers Touch S44 S size 

- Selling at RM0.50 per pieces, I expect the quality is good. However, it bocor everytime baby lying down. Even worse than Genki. So I am not keen on this 


7. Drypers Skinature S56 S size

- Soft diapers, dont have experience in using yet. However it is quite expensive. 

- Price range: around RM0.72 per piece online


8. Miezuu S34 S size

- Introduced by my sister. Organic range, but more expensive than Huggies Natural Soft. 

- I used once at night and I am quite satisfied with the result. 

- Price range: RM0.65 - RM 0.85 per piece


Overall, the diapers I purchase the most is Huggies Natural Soft. I like it so much! 

Anyway, these are all my experience as a mum. 

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Medical Cards for Senior Citizens

 My parents has medical card and I am a government servant so I am quite relieve about my parents access to medical facilities. However, I am worry about my MIL as she is 63 now, means her next birthday will be 64. Most of the standalone medical card offer entry age up to 65 years old only. MIL is currently working now and she is covered by her company insurance. However, I am scare she stopped work one day and cannot purchase any medical card. 

So I went online and search the medical card which the premium can still be affordable within our budget: 

1) Tokio Marine Medic Plus (deductible RM10k)

For RM100k annual limit, the annual premium is RM606. 
Outpatient kidney is RM40k per year
No lifetime-limit

However, I am quite unsure it cover the take-home drug or not.

2) PRUSenior Med (Co-insurance 20%)

No mention of annual limit, but for lifetime limit is RM225k, the annual premium is RM3266.


3) Pacific Medi Major Plus (deductible RM10k) 

Annual limit RM200k, Life-time limit RM600k 
Outpatient kidney is RM60k per year
Annual premium RM1315


4) Zurich Z-MedProtect (deductible RM10k) 

Annual limit RM100k
Annual Premium RM3000++


5) Etiqa E-medical Pass Takaful (deductible RM5k) 

Annual limit RM80, no lifetime limit 
Annual Premium RM2689 


6) RHB MediSure Supreme Insurance (deductible RM10k)

Annual limit RM100k, lifetime limit RM1000k
Annual Premium RM1029
Medicines/Drugs are payable


7) Takaful myClick MediCare (deductible RM3k) 

Annual limit RM75k, no lifetime limit 
Annual limit RM2310


Based on my research, it seem that Tokio Marine Medic Plus has the cheapest premium. Maybe I will go for this. Consult husband first. 

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Review Insurance for Myself

 My mum bought me an insurance in 2004, till now she still do not want to absolutely assigned the insurance to me because scare I surrender the insurance. She only did conditional assignment to me 2 years ago. T.T

My HLA insurance in 2004 is as below: 

RM200 premium / month 

Life RM100k
CI RM50k
R&B (150 days) RM100 <---- I think not enough
ICU (75 days) Full Reimbursement
Lodger (150 days) Full Reimbursement
Outpatient Cancer RM30k
Outpatient Kidney RM30k
Annual Limit RM50k
Lifetime Limit RM150k
Co-insurance RM300 or 10%, whichever higher
Medical insurance lapse at 70 years old. T.T
Optional Top-up per month RM50

My insurance cost now is as below: 
Policy RM5
Life RM7.38 
CI Rider RM5.42
MEDGLOBAL II 100 RM41.65 <-- I personally think this is overcharged

Seriously, I can even buy AXA e-Medic with RM1000 deductible at RM20k coverage per year without lifetime limit at RM34.99.

Because she refused to surrender the HLA 2004 insurance, that time I do not have other choice but to choose a deductible plan to cover me. 

That time only HLA offers deductible RM20k before 60 years old, then RM0 deductible after 60 years old:

My HLA insurance in 2017 is as below: 

RM150 premium / month

Life RM100k
CI RM100k
R&B (150 days) RM200
ICU (75 days) Full Reimbursement
Lodger (150 days) Full Reimbursement
Emergency Accident (30 days) Full Reimbursement
Overall Annual Limit RM1,120,000
No Lifetime Limit
LadyShield Rider RM50k
PA Rider RM50k

My insurance cost now is as below: 

Policy RM5
Life RM8.23
CI Care RM9.42
LadyShield RM8.58
HLA MediShield II 200 (Pre 20k - Post 0) RM17.10
Million Extra RM3.92
PA Rider RM3.25

So the medical card cost for this insurance is actuall RM17.10 + RM3.92 = RM21.02

If combine both of my insurance: 

RM350/month I will get: 

Life RM200k 
CI RM200k
Medical Card paying RM62.67/month for now (RM752 annually) 

-------------------------------------------------------------
Great Eastern is doing promotion now, buying SmartMedic Million coverage can have additional 2 million coverage at no extra cost. 

My GE agent also quoted me as below 

RM250 premium / month

Life / TPD / 45 CI: RM150k
Medical Card: 1 million + 2 million 
Deductible RM300

Cost of Insurance of SmartMedic Million is RM776 (annual) for my age now, which I think it is worth the upgrade. 

Now when can I successfully persuade my mum to give up the old insurance

--------------------------

I also go through HLA Medishield III Rider, however the Cost of Insurance is RM870 (annual, R&B 200, no deductible) which is more expensive than GE one. However, it can be customize by deductibles. 

---------------------

Prudential Medical Rider PruMed is around RM705 (annual,  R&B 200, deductible RM300)

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Insurance for Infants

I missed the date to apply for preborn as I am pregnant over Week 35 now. So I am looking and searching for insurance for my newborn.

 

My husband has company insurance which covers RM35,000 (Overall per disability limit for Family Package) so I guess I can find for a medical insurance which has deductible to reduce my premium.

 

Prudential agent quoted me:

Monthly premium: RM90

Life sum assured: RM50,000

Accident death: RM20,000

Accident reimbursement: RM3,000

Essential Child Plus: RM50,000

Lifetime limit: RM1,000,000

Deductible: RM20,000

 

 

Allianz agent quoted me:

130/mth

Life 5k

Med 150

Annual limit 850k

Lifetime unlimited

Deductible 10k

CI (late stage) 100k

Waiver

 

Looks like Prudential is give a better value.


However, I think 

The problem that makes me hard to choose is the Critical Illness.


Prudential Critical Illness

Essential Child Plus from Prudential covers

20%

(1) severe asthma,

(2) severe epilepsy, or

(3) glomerulonephritis with nephrotic syndrome

100%

(4) Leukeamia,

(5) Insulin Dependent Diabetes Melitus,

(6) Rheumatic Fever with Valvular impairment

(7) Kawasaki disease with heart complications

(8) Severe juvenile Rheumatiod Arthritis

(9) Intellectual impairment due to illness or accident

(10) Severe Haemophilia A and Hemophilia B 

 

Allianz Critical Illness

 I wish to purchase Child Guard from Allianz, but my agent say that insurance only for pre-born. 

I think Allianz quote me for CI is HealthCover Plus which has additional 7 covers for juvenile but the catch is that it has Juvenile Lien. 


So based on the Critical Illness analysis, I think I would just go for Prudential one as Juvenile Lien makes me feel weird. 

So in conclusion, I would pick Prudential Insurance for my new born

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Steroetype

Today I went to a Tesco to collect my travel money belt. After I got the item...
Staff: What is inside? Do you want to check to make sure it is the correct item?
Me: (Open the bag and take out the travel money belt) Ya it is.
Staff: Are you chinese?
Me: Ya.
Staff: This must be make in your country. (see the label) Ya, it is made in China.
Me: Sorry I am a Malaysian (with a little bit annoyed)

Moral of the story: Don't pre-judge people from the where they came from. 

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Coursework to finish in Christmas Break

At first I am so excited to complete my homework during the break because I have extra time compare to others who celebrate Christmas.

Now I am not.

Completing the courseworks is so boring and so stressful.

Why boring?
- You only stay in your small room and face laptop everytime

Why stressful?
- See everyone going to travel and shopping but I just couldn't! :/

I already spent 2 days producing unproductive result, hopefully tomorrow can produce some fruitful outcome. 

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Leave Malaysia? LOL

Sometimes I just dont understand why people want to to leave Malaysia because they did not get scholarship from the government. Is not written in your birth certificate that you will be guarantee a scholarship when you birth. Do you know that the government of other country do not even give scholarship as generous as our government to their citizen? 

And so what you get a scholarship? You will then say Malaysia working system is lousy, corruption everywhere la bla bla bla and dont plan to return. Why not brilliant student like you go to do something for Malaysia?

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No lah, I already been here 10 years ago.

When I see someone who look like Malaysian in London, I dare not ask where does him/her come from, I dare not ask how long does he/her had stayed here.

Because my heart break when I see talented Malaysian in worked for long time in London.

I still remember a conversation when we met one uncle at Oriental Market:

My friend: Uncle datang sini melancong ke?
Uncle: No lah, I already been here 10 years ago.

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Macammana nak apply study overseas? Macammana nak mohon biasiswa?

Salam dari UCL.

Entri blog ni adalah untuk menjawab soalan junior yang semangat sambung study di overseas. Antara preparation yang telah akak buat adalah seperti berikut:

1. SEMAK BIASISWA
Semak biasiswa yang sedia ada semasa tahun ketiga. Kelebihan prepare awal adalah boleh aim nak masuk universiti mana, boleh tahu requirement yang perlu untuk masuk universiti. Akak memang aim Biasiswa JPA Program Pelajar Cemerlang yang ditawarkan, lihat betul-betul requirement, hanya Top 20 yang akan ditimbangkan, dan CGPA hendaklah melepasi 3.75. Ni entri akak yang senaraikan universiti Top 45 dalam Geomatik Engineering pada bulan Jun 2012 lepas. Untuk bumiputra, anda boleh apply Mara Loan. Dia 20% loan dan 80%, requirement keputusan 3.0 ke atas. Mara Loan senang dapat. 

2. DAFTAR UNIVERSITI
Selepas dah tahu requirement biasiswa, hendaklah tahu requirement kemasukan universiti. Start apply universiti 7 bulan sebelum anda grad. Bayaran untuk pendaftaran kadang-kadang diperlukan. Untuk UCL, dorang minta keputusan IELTS. Oleh itu, akak telah mengambil exam pada awal bulan Februari 2013. Memanglah bersyukur kerana UTM menawarkan exam IELTS dalam kampus. Baca betul2 sebelum mengambil exam ni, sebab kos memang mahal. Sekali IELTS, RM600 burn. Nasib baik akak pass dengan score seperti berikut

3. MOHON BIASISWA
Selepas dapat conditional letter atau unconditional letter daripada universiti, dah boleh start mohon biasiswa. Perhatikan tarikh tutup apabila permohonan biasiswa dibuka. Kalau boleh, tarikh pengumuman keputusan biasiswa selang sebulan dengan tarikh buka sem di universiti, kerana ianya memberi masa untuk anda melengkapkan perjanjian dan persediaan etc.

4. TUNGGU BERITA
Selepas hadir temuduga (jika perlu), tunggulah berita baik di rumah.

Kalau ada soalan, sila tulis di komen. Akak akan komen kalau free. Lepas ni nak bagitau dugaan yang akak hadapi di UCL. 

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Portobello Market

Today when I went to Portobello Market, I saw the exactly same venue that Jay Chou's used for his "Big Ben" MV. I am just wondered why the street is so clean when he went. No cars at all.

p/s: Vegetable at Portobello Market is really cheaper than Sainsbury or Tesco. I even bought a second hand wools coat for £2. 

Vegetables

Autumn approaching

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How I wish to post in Facebook

Every people going to everywhere when they are in UK. I only went to the place that can arrive by bus pass. It sounds so wrong if you use your parents' money to play instead of study. I even don't dare to buy a postcard at £1 for 15 pieces because I do not want to use the money for unnecessary things.

How I wish I can post my cooking in the Facebook, but I just feel it is so uneasy to let others know I come to London without a scholarship (yet). Here are some food I would like to share. The most delicious dish is Sambal Udang! xxx




And of course, a recent picture of me as someone might be missing me xD


And I just bought a new safety boots at £21.48. Its a men boots but I like it very much. Till now I still feel happy with the boots because it can't be found in Malaysia hahahha. Please praise it is nice as I spent money for this boots. I hope it can become my winter boots too so no need to spend my money again for footwear.

And my wish for now is, hopefully I get the scholarship which will be announce next week! 






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I am doing my revision!

I never do my revision during my bachelor degree. 
Since I need to pay for my Master degree, I am really serious about my studies. 

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Take picture alone

Since no one take picture for me, I used timer to take some picture and surprisingly, it turned out to be very nice! 
This picture was taken at the Victoria League Garden

This picture was taken when I came back from Tower Bridge


I bought my travelcard last week, so I can travel unlimited by tube last week. I will be so wasted is I did not go to the London icon, Tower Bridge. So, although my assignment can't finish on Sunday, I visited Tower Bridge! Tower Bridge always mistakenly known as London Bridge for the foreigner. It was so hard travelling alone to see the magnificent bridge. The tube route had been changed during the weekend and I was unsure which station to alight. I wandered a few times before I found it. It was so scary because I need to act like I was enjoying the surroundings but I was actually finding direction to the Tower Bridge. The middle of the tower bridge would open at that night, but I don't want to leave myself unsafe so I just travel back before dusk. 





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