A routine morning that wasn’t the same
At 5:30 AM, the sky was still dark as Hafiz started his motorcycle. For seven years, this was his daily ritual: riding from Johor Bahru to Singapore to earn a living. The commute was grueling, filled with thousands of other motorcyclists, but Hafiz was used to the chaos. He was a careful rider, always prioritizing safety over speed. He never expected that his life would change while he was standing still.
The accident at the traffic light
It happened at a traffic light. While Hafiz waited for the signal to turn green, a car behind him failed to brake. The driver, likely fatigued from the early hour, slammed into Hafiz’s bike. The impact toppled the machine, crushing Hafiz’s leg beneath the heavy metal frame. In seconds, a routine commute turned into a medical emergency.
The immediate fear
Hafiz was in agony, surrounded by strangers on the tarmac. When the ambulance arrived, his only thought was the pain. But as he was transported to the hospital, a darker fear set in: the cost. He knew that leg surgery involving metal plates and screws would be expensive. As a daily wage earner in Singapore, if he didn’t work, he didn’t get paid. A massive hospital bill would wipe out his savings entirely.
How TM Legacy Builders helped
Fortunately, Hafiz had listened to our advisor from TM Legacy Builders. Years ago, our advisor noted that motorcyclists account for nearly 60% of road fatalities in Malaysia. He urged Hafiz to upgrade his medical limit, explaining that on the road, you cannot control the actions of others. Hafiz had purchased a comprehensive medical card, though he had delayed upgrading the limit further.
Surgery without delay
At the private hospital, the doctors confirmed a severe fracture requiring immediate surgery. Hafiz called our advisor, who acted swiftly. The Guarantee Letter was issued without delay. The surgery, costing RM28,000, was fully covered. Hafiz did not have to wait for a police report to settle liability or fight with the other driver’s insurance, which could have taken months.
The outcome
The ability to access private care meant Hafiz received surgery immediately, reducing the risk of permanent nerve damage. He spent his recovery in a comfortable ward, focusing on healing rather than worrying about the bill. The RM28,000 cost would have devastated his family’s finances, forcing them into debt.
Why medical cards matter for commuters
Accidents are unpredictable, and injuries can happen due to others’ negligence, like in this situation. Medical needs don’t wait for:
- Liability decisions
- Claims from third parties
A medical card ensures treatment comes first, ensuring you are protected and secured from the start.
Key takeaways for daily commuters
- Routine commutes do not mean you can get away with risk-free travel.
- Accidents can happen in seconds, so getting insured early is essential.
- Having a medical card allows you to recover with ease, bypassing liability waiting times.
How TM Legacy Builders looks out for clients
Our advisors actively identify coverage gaps and encourage timely upgrades. We focus on real-life risks before policy numbers. We take supporting our clients during emergencies seriously, ensuring we are there when accidents happen, not just when the policy is sold.
