Steve had been a loyal employee of XYZ Company for over ten years, enjoying a good salary and perks. His company insurance plan also covered his family members, adding to his sense of security. However, the two-year lockdown proved to be a turning point for Steve. He witnessed some of his colleagues being laid off while others suffered from health issues and were subsequently fired by the company. It was then that he realized he might also become a victim in the future, and if he needed medical treatment, he would not know what to do.

To prevent finding himself in a similar situation, Steve contacted his trusted insurance advisor, Frank, to apply for a medical plan and avoid being vulnerable to unforeseen health problems. However, the insurance company's offer did not cover any heart-related illnesses due to Steve's recent diagnosis of serious hypertension. With limited options, he reluctantly took the offer, as it at least covered other health conditions.