Haih terkilan betul la mcam ni. Ada sorang client dia terminate med card sbb tak pernah guna, dah 3 tahun. Dia pun mmg dah final decide nak terminate then I just submit lah. Dia dapat some amount of cash value from it. A week later Dr cakap ada ketumbuhan atas mata kena operate🫠 klau ke gov mmg boleh tapi berbulan la queue sbb tak urgent. Kalau pakai medical card kat swasta the next day dah boleh siap operate🥹 i feel bad for her and for me too