HWM Consultancy

13/09/2025

Our 1st session of pickleball at PJ.
Looking forward to have more of members to join us in upcoming sessions.

Are you staying at or
Comment below and let us know you are interested in pickleball as well.

06/09/2025

Wow, selesai sudah sesi hari ini di Taman Klang Utama! 🎉

Terima kasih kepada semua parents & kids yang datang – memang meriah suasana! 💉❤️

Anak-anak dapat perlindungan tambahan daripada demam campak, parents p**a sempat dapatkan tips & consultation percuma dari team kami. Win-win! 🙌

Syabas kepada semua yang hadir sebab sama-sama kita pastikan generasi akan datang lebih sihat & terlindung. 💪

Jumpa lagi di next program! 😍

04/09/2025

🚨 PROGRAM IMUNISASI KEBANGSAAN 🚨

Kami dengan sukacitanya menjemput semua ibu bapa/penjaga untuk membawa anak-anak berumur 6 bulan hingga 59 bulan (bawah 5 tahun) ke Program Imunisasi Measles Rubella (MR) secara PERCUMA.

📅 Tarikh: 6 September 2025
🕘 Masa: 9.00 Pagi
📍 Lokasi: Gelanggang Bola Keranjang, Taman Klang Utama

💉 Perlindungan tambahan untuk anak-anak daripada demam campak – mari sama-sama kita pastikan generasi sihat, kuat, dan dilindungi!

👨‍💼 Konsultan kami juga akan berada di tapak untuk memberikan cadangan perancangan medical dan hibah secara PERCUMA!

Jangan lepaskan peluang ini, jumpa anda di sana! ❤️

31/08/2025

“Merdeka is more than history—it’s a promise. A promise that every generation will keep Malaysia united, diverse, and full of dreams. 🌟💫 As we celebrate Merdeka 2025, let’s carry forward the courage of our past and the vision of our future. Proud to be Malaysian today, tomorrow, and always. 🇲🇾❤️

19/08/2025

🚨 Rising hospital bills can wipe out your savings faster than you think!

💉 Medical costs in Malaysia are climbing every year — is your coverage keeping up?

🛡️ Your health is priceless, but medical bills aren’t cheap.

📈 Medical inflation in Malaysia is outpacing normal inflation — are you prepared?

💡 The best time to review your medical plan was yesterday. The next best time is today.

💸 医疗通胀7–10%一年
医药卡不升级 = 保障缩水！

📊 2025大马私立医院费用参考

🏥 住院费用
普通病房：RM150 – RM250 / 天
单人病房：RM350 – RM600 / 天

ICU：RM1,000 – RM1,500 / 天

💉 重大疾病与手术
癌症化疗：RM150K – RM250K
癌症免疫/标靶疗法：RM200K – RM400K
心脏搭桥手术：RM80K – RM120K

🧪 长期治疗
肾透析（1年）：RM40K – RM60K
心理健康治疗：RM200 – RM500 / 次

⚠️ 医疗费平均 10年几乎翻倍，但很多人医药卡限额还停在RM100K。

✅ 建议每3–5年 Review 医药卡
✅ 年度限额 ≥ RM1M
✅ 趁年轻升级，保费更划算

数据来源：AON Medical Trend Report、大马私立医院报价、The Star报道

📌 免责声明：本文仅为一般资讯，所有投保以保险公司评估为准。

#健康核保 #马来西亚保险 #医药卡知识 #理财保障

05/08/2025

🎾 We’re into Pickleball now!
Yup, we’re joining the trend — and it’s seriously fun!

Come join us for the next session at 9Pickle!
Whether you’re a beginner or a pro, just bring good vibes and let’s play together! 🙌

📍 9Pickle
📅 8Aug2025 8pm

Tag your friends and let’s make it a fun one! 💥
Hong Hugo

’sPlay

03/08/2025

We are so proud that our Business partner Fyda Dris being invited to perform an external sharing session with one of the most powerful Takaful team in AIA.

A powerful sharing with wonderful tips for all 👏🏻

Thank you for the team invitation. And thank you for those that meluangkan masa on Sunday night with us.

again to Fyda. What a fruitful session for all.

Hong Hugo

17/07/2025

Our work requires us to always stay focused and mentally sharp, especially when handling client cases that demand precision and strategic thinking.

The discipline and mental alertness developed on the court directly enhancing our concentration, quick decision-making, and agility under pressure - all of which are crucial in the fast-paced and detail oriented world of finance.





Hong Hugo

16/07/2025

It is always be our highest honor to have our founder to receive invitation to go out from our organization to share his experience and skills to others.

Thanks to our founder for sharing selflessly so that everyone will do the right thing at the right time with the right people.

11/07/2025