{"id":161,"date":"2026-03-28T14:01:31","date_gmt":"2026-03-28T14:01:31","guid":{"rendered":"https:\/\/securelife.my\/?p=161"},"modified":"2026-03-28T14:01:32","modified_gmt":"2026-03-28T14:01:32","slug":"buy-insurance-malaysia-age-guide","status":"publish","type":"post","link":"https:\/\/securelife.my\/zh\/buy-insurance-malaysia-age-guide\/","title":{"rendered":"\u5927\u9a6c\u4eba 25\u300135\u300145 \u5c81\u4fdd\u9669\u89c4\u5212\u7ec8\u6781\u6307\u5357"},"content":{"rendered":"<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/best-insurance-plan-malaysia.jpg\" alt=\"Looking to buy insurance in Malaysia? Discover the best medical cards and life coverage you exactly need at age 25, 35, and 45 to protect your future.\" class=\"wp-image-162\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/best-insurance-plan-malaysia.jpg 1024w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/best-insurance-plan-malaysia-300x300.jpg 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/best-insurance-plan-malaysia-150x150.jpg 150w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/best-insurance-plan-malaysia-768x768.jpg 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/03\/best-insurance-plan-malaysia-12x12.jpg 12w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u60a8\u51b3\u5b9a <strong>\u8d2d\u4e70\u4fdd\u9669\u6700\u4fbf\u5b9c\u7684\u9ec4\u91d1\u65f6\u671f\uff0c<\/strong>\u9762\u5bf9\u4f17\u591a\u9009\u62e9\u5f80\u5f80\u4f1a\u611f\u5230\u4e0d\u77e5\u6240\u63aa\u3002\u60a8\u5e94\u8be5\u628a\u91cd\u70b9\u653e\u5728\u533b\u836f\u5361\u3001\u4eba\u5bff\u4fdd\u9669\uff0c\u8fd8\u662f\u91cd\u75be\u9669\u4e0a\uff1f\u4e8b\u5b9e\u662f\uff0c\u4e16\u754c\u4e0a\u6ca1\u6709\u201c\u4e00\u5200\u5207\u201d\u7684\u4fdd\u5355\u3002\u60a8\u5728 25 \u5c81\u65f6\u7684\u4fdd\u9669\u9700\u6c42\u4e0e 35 \u5c81\u6216 45 \u5c81\u65f6\u622a\u7136\u4e0d\u540c\u3002\u4eca\u5929\uff0c\u4f5c\u4e3a\u60a8\u4e13\u5c5e\u7684 Prudential \u8d22\u5bcc\u89c4\u5212\u5e08\uff0c\u6211\u5c06\u4e3a\u60a8\u8be6\u7ec6\u62c6\u89e3\u5728\u6bcf\u4e2a\u91cd\u8981\u7684\u4eba\u751f\u9636\u6bb5\uff0c\u60a8\u5230\u5e95\u9700\u8981\u4ec0\u4e48\u6837\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\">25\u5c81\uff1a\u804c\u573a\u65b0\u4eba\uff08\u4e13\u6ce8\u57fa\u7840\u4fdd\u969c\uff09<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">25\u5c81\uff0c\u60a8\u521a\u6b65\u5165\u804c\u573a\u3002\u60a8\u7684\u9884\u7b97\u53ef\u80fd\u6709\u9650\uff0c\u4f46\u60a8\u62e5\u6709\u4e00\u4e2a\u5de8\u5927\u7684\u4f18\u52bf\uff1a\u5e74\u8f7b\u548c\u5065\u5eb7\uff01\u8fd9\u662f\u5728\u9a6c\u6765\u897f\u4e9a <strong>\u8d2d\u4e70\u4fdd\u9669\u6700\u4fbf\u5b9c\u7684\u9ec4\u91d1\u65f6\u671f\uff0c<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5fc5\u5907\u4fdd\u969c\uff1a<\/strong> \u4e00\u5f20\u57fa\u7840\u7684\u533b\u836f\u5361\u3002\u4e00\u6b21\u9aa8\u75db\u70ed\u75c7\u6216\u8f7b\u5fae\u610f\u5916\u7684\u4f4f\u9662\u8d39\uff0c\u5c31\u53ef\u80fd\u8017\u5c3d\u60a8\u521a\u5b58\u4e0b\u7684\u79ef\u84c4\u3002<\/li>\n\n\n\n<li><strong>\u52a0\u5206\u4fdd\u969c\uff1a<\/strong> \u4e00\u4efd\u57fa\u7840\u7684\u4e25\u91cd\u75be\u75c5 (CI) \u8ba1\u5212\u3002\u5728 20 \u591a\u5c81\u65f6\u8d2d\u4e70\u91cd\u75be\u9669\u7684\u4fdd\u8d39\u6781\u5176\u4fbf\u5b9c\uff0c\u73b0\u5728\u5c31\u628a\u5b83\u9501\u5b9a\u4e0b\u6765\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">1. <strong>\u533b\u7597\u62a4\u76fe\uff1a<\/strong><\/mark> \u60a8\u7684\u9996\u8981\u4efb\u52a1\u662f\u83b7\u5f97\u4e00\u5f20\u9ad8\u5e74\u5ea6\u9650\u989d\u62ff\u7684\u533b\u836f\u5361\uff08100\u4e07\u4ee4\u5409\u4ee5\u4e0a\uff09\u3002\u5982\u679c\u7a81\u53d1\u7684\u610f\u5916\u6216\u75be\u75c5\u9700\u8981\u60a8\u5728\u53cc\u5a01\u533b\u7597\u4e2d\u5fc3\u8fdb\u884c\u624b\u672f\uff0c\u60a8\u521a\u521a\u7d2f\u79ef\u7684\u5fae\u8584\u5b58\u6b3e\u4e0d\u5e94\u8be5\u88ab\u8017\u5c3d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">2. <strong>\u5b8c\u5168\u53ca\u6c38\u4e45\u6b8b\u75be\uff1a<\/strong><\/mark> \u56e0\u4e3a\u60a8\u5355\u8eab\uff0c\u5982\u679c\u4e00\u573a\u707e\u96be\u6027\u7684\u610f\u5916\u5bfc\u81f4\u60a8\u6c38\u4e45\u65e0\u6cd5\u5de5\u4f5c\uff0c\u60a8\u7edd\u5bf9\u4e0d\u5e0c\u671b\u6210\u4e3a\u5e74\u8fc8\u7236\u6bcd\u7684\u5de8\u5927\u8d22\u52a1\u8d1f\u62c5\u300225\u5c81\u65f6\u7684 <strong>\u9a6c\u6765\u897f\u4e9a\u6700\u4f73\u4fdd\u9669\u8ba1\u5212<\/strong> \u5305\u542b\u4e86\u4e00\u7b14\u7a33\u56fa\u7684TPD\u7406\u8d54\uff0c\u4f5c\u4e3a\u60a8\u7ec8\u8eab\u7684\u66ff\u4ee3\u85aa\u6c34\uff0c\u4ee5\u652f\u4ed8\u60a8\u81ea\u5df1\u7684\u62a4\u7406\u8d39\u7528\u3002)*<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\">35\u5c81\uff1a\u5bb6\u5ead\u652f\u67f1\uff08\u4e13\u6ce8 <a href=\"https:\/\/securelife.my\/zh\/10-year-income-replacement-rule-malaysia\/\" data-type=\"link\" data-id=\"https:\/\/securelife.my\/10-year-income-replacement-rule-malaysia\/\">\u6536\u5165\u66ff\u4ee3 (Income Replacement)\u3002<\/a>)<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5230\u4e86 35 \u5c81\uff0c\u60a8\u53ef\u80fd\u5df2\u7ecf\u6709\u4e86\u914d\u5076\u3001\u5e74\u5e7c\u7684\u5b69\u5b50\u3001\u8f66\u8d37\u548c\u623f\u8d37\u3002\u60a8\u73b0\u5728\u5c31\u662f\u6574\u4e2a\u5bb6\u5ead\u7684\u201c\u63d0\u6b3e\u673a\u201d\u3002\u5982\u679c\u63d0\u6b3e\u673a\u574f\u4e86\uff0c\u5168\u5bb6\u4eba\u90fd\u4f1a\u8ddf\u7740\u53d7\u82e6\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5fc5\u5907\u4fdd\u969c\uff1a<\/strong> \u9ad8\u989d\u7684\u4eba\u5bff\u4fdd\u9669\u4e0e\u6536\u5165\u4fdd\u969c\uff08\u5982 Hibah \u8ba1\u5212\uff09\u3002\u5982\u679c\u60a8\u53d1\u751f\u610f\u5916\uff0c\u60a8\u7684\u5bb6\u4eba\u9700\u8981\u8db3\u591f\u7684\u73b0\u91d1\u6765\u8fd8\u6e05\u623f\u8d37\u5e76\u652f\u4ed8\u5b69\u5b50\u7684\u6559\u80b2\u8d39\u3002<\/li>\n\n\n\n<li><strong>\u884c\u52a8\u6b65\u9aa4\uff1a<\/strong> \u5347\u7ea7\u60a8\u65e9\u5e74\u7684\u533b\u836f\u5361\u9650\u989d\u30022026 \u5e74\u7684\u533b\u7597\u901a\u80c0\u975e\u5e38\u9ad8\uff1b10 \u5e74\u524d\u4e70\u7684 RM100,000 \u9650\u989d\u73b0\u5728\u5df2\u7ecf\u5b8c\u5168\u4e0d\u591f\u7528\u4e86\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">1. <strong>\u4eba\u5bff\u4fdd\u9669\u4f5c\u6536\u5165\u66ff\u4ee3:<\/strong> <\/mark>\u5982\u679c\u5bb6\u5ead\u7ecf\u6d4e\u652f\u67f1\u7a81\u7136\u8eab\u6545\uff0c\u94f6\u884c\u6700\u7ec8\u5c06\u62cd\u5356\u5bb6\u5ead\u4f4f\u5b85\u3002\u60a8\u9700\u8981\u4e00\u4efd\u4fdd\u989d\u81f3\u5c11\u7b49\u4e8e\u60a8\u5e74\u6536\u516510\u500d\uff0810\u5e74\u6cd5\u5219\uff09\u7684\u4eba\u5bff\u4fdd\u5355\u3002\u8fd9\u5c06\u7acb\u5373\u7ed3\u6e05\u623f\u8d37\uff0c\u5e76\u652f\u4ed8\u5b69\u5b50\u4eec\u7684\u5b66\u8d39\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">2. <strong>\u4e25\u91cd\u75be\u75c5\u4fdd\u969c:<\/strong> <\/mark>\u5982\u679c\u60a8\u88ab\u8bca\u65ad\u51fa\u60a3\u6709\u764c\u75c7\uff0c\u60a8\u7684\u533b\u836f\u5361\u4f1a\u4ed8\u94b1\u7ed9\u533b\u9662\uff0c\u4f46\u5f53\u60a8\u5728\u5bb6\u4f11\u517b\u4e24\u5e74\u7684\u671f\u95f4\uff0c\u8c01\u6765\u652f\u4ed8\u60a8\u6bcf\u6708\u7684\u8d26\u5355\uff1f\u56e0\u6b64\uff0c\u4e00\u7b14\u81f3\u5c1130\u4e07\u81f350\u4e07\u4ee4\u5409\u7684\u4e00\u6b21\u6027\u91cd\u75be\u7406\u8d54\u91d1\u662f\u7edd\u5bf9\u5fc5\u8981\u7684\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#x1f31f;<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\">45\u5c81\uff1a\u8d22\u5bcc\u5b88\u62a4\u8005\uff08\u4e13\u6ce8\u9000\u4f11\u4e0e\u4f20\u627f\uff09<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5230\u4e86 45 \u5c81\uff0c\u60a8\u7684\u4e8b\u4e1a\u76f8\u5bf9\u7a33\u5b9a\uff0c\u6b63\u5728\u4e3a\u9000\u4f11\u79ef\u7d2f\u53ef\u89c2\u7684\u8d22\u5bcc\u3002\u73b0\u5728\u7684\u76ee\u6807\u662f\u786e\u4fdd\u4e00\u573a\u5927\u75c5\u4e0d\u4f1a\u8feb\u4f7f\u60a8\u53d8\u5356\u8d44\u4ea7\u6216\u638f\u7a7a\u60a8\u7684\u516c\u79ef\u91d1 (EPF) \u5b58\u6b3e\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5fc5\u5907\u4fdd\u969c\uff1a<\/strong> \u5168\u9762\u7684\u4e25\u91cd\u75be\u75c5 (CI) \u4fdd\u969c\u3002\u5728 40 \u591a\u5c81\u65f6\uff0c\u60a3\u764c\u3001\u5fc3\u810f\u75c5\u548c\u4e2d\u98ce\u7684\u98ce\u9669\u4f1a\u663e\u8457\u589e\u52a0\u3002<\/li>\n\n\n\n<li><strong>\u884c\u52a8\u6b65\u9aa4\uff1a<\/strong> \u8fd9\u662f\u5ba1\u67e5\u60a8\u7684\u8d22\u5bcc\u5206\u914d\u548c\u4f20\u627f\u89c4\u5212\u7684\u6700\u4f73\u65f6\u673a\u3002\u786e\u4fdd\u60a8\u7684\u8d44\u4ea7\u80fd\u591f\u987a\u5229\u8f6c\u79fb\u7ed9\u4e0b\u4e00\u4ee3\uff0c\u800c\u4e0d\u4f1a\u9677\u5165\u590d\u6742\u7684\u6cd5\u5f8b\u5ef6\u8bef\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">1. <strong>\u900f\u8fc7\u4fe1\u6258\u521b\u9020\u9057\u4ea7\uff1a<\/strong> <\/mark>\u4e0e\u5176\u7559\u7ed9\u5bb6\u4eba\u5728\u9057\u5631\u8ba4\u8bc1\u8fc7\u7a0b\u4e2d\u9700\u8981\u8017\u8d39\u6570\u5e74\u624d\u80fd\u89e3\u51bb\u7684\u623f\u4ea7\uff0c <strong>\u9a6c\u6765\u897f\u4e9a\u6700\u4f73\u4fdd\u9669\u8ba1\u5212<\/strong> \u5229\u7528\u4fdd\u9669\u4f5c\u4e3a\u201c\u5373\u65f6\u9057\u4ea7\u201d\u3002\u60a8\u77ac\u95f4\u521b\u9020\u51fa\u6570\u767e\u4e07\u7684\u6d41\u52a8\u73b0\u91d1\uff0c\u5728\u77ed\u77ed\u51e0\u5468\u5185\u5b8c\u5168\u514d\u7a0e\u5730\u4f20\u627f\u7ed9\u60a8\u7684\u7ee7\u627f\u4eba\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">2. <strong>\u63d0\u9ad8\u533b\u7597\u514d\u8d54\u989d\/\u5347\u7ea7\uff1a<\/strong><\/mark> \u968f\u7740\u60a8\u63a5\u8fd150\u5c81\uff0c\u533b\u7597\u901a\u80c0\u5c06\u6210\u4e3a\u60a8\u6700\u5927\u7684\u654c\u4eba\u3002\u60a8\u5fc5\u987b\u786e\u4fdd\u60a8\u7684\u533b\u7597\u9650\u989d\u8db3\u591f\u5f3a\u5927\uff0c\u4ee5\u6db5\u76d6\u5c16\u7aef\u7684\u764c\u75c7\u7597\u6cd5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u672c\u5730\u5e38\u89c1\u95ee\u9898\u89e3<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u95ee\uff1a\u6211\u4eca\u5e7435\u5c81\uff0c\u4f46\u6211\u572825\u5c81\u65f6\u5c31\u5df2\u7ecf\u4e70\u4e86\u4fdd\u9669\u3002\u6211\u8fd8\u9700\u8981\u4e70\u65b0\u7684\u5417\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7b54\uff1a<\/strong> \u60a8\u7edd\u5bf9\u9700\u8981\u8fdb\u884c\u4e00\u6b21\u201c\u4fdd\u5355\u4f53\u68c0\u201d\u3002\u60a8\u572825\u5c81\u65f6\u8d2d\u4e70\u4fdd\u9669\u662f\u4e3a\u4e86\u4fdd\u62a4 <em>*\u81ea\u5df1*<\/em>\u800c\u73b0\u572835\u5c81\u7684\u60a8\u6709\u4e86\u5b69\u5b50\u548c\u5e9e\u5927\u7684\u623f\u8d37\u3002\u5982\u679c\u60a8\u76ee\u524d\u7684\u4fdd\u969c\uff08\u4f8b\u598210\u4e07\u4ee4\u5409\u7684\u5bff\u9669\u9650\u989d\uff09\u6ca1\u6709\u88ab\u5347\u7ea7\uff0c\u60a8\u7684\u5bb6\u5ead\u6b63\u5904\u4e8e\u4e25\u91cd\u7684\u4fdd\u989d\u4e0d\u8db3\u72b6\u6001\u3002\u8ba9\u6211\u4eec\u5bf9\u5176\u8fdb\u884c\u91cd\u7ec4\uff0c <strong>\u9a6c\u6765\u897f\u4e9a\u6700\u4f73\u4fdd\u9669\u8ba1\u5212<\/strong> \u4f7f\u5176\u6210\u4e3a\u6700\u9002\u5408\u60a8\u5f53\u524d\u751f\u6d3b\u65b9\u5f0f\u7684\u5927\u9a6c\u6700\u4f73\u4fdd\u8ba1\u5212\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u95ee\uff1a\u5982\u679c\u6211\u5230\u4e8645\u5c81\u624d\u7b2c\u4e00\u6b21\u4e70\u4fdd\u9669\uff0c\u4f1a\u4e0d\u4f1a\u592a\u665a\u4e86\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u7b54\uff1a<\/strong> \u867d\u7136\u6bd425\u5c81\u65f6\u8d2d\u4e70\u8981\u8d35\uff0c\u4f46\u8fd9\u65e0\u7591\u662f\u6781\u5176\u5173\u952e\u7684\u65f6\u673a\u3002\u572845\u5c81\u65f6\uff0c\u60a8\u7f79\u60a3\u91cd\u75be\u7684\u98ce\u9669\u4f1a\u5927\u5e45\u589e\u52a0\u3002\u4eca\u5929\u652f\u4ed8\u7a0d\u9ad8\u7684\u4fdd\u8d39\uff0c\u7edd\u5bf9\u6bd4\u660e\u5929\u5728\u9e70\u9601\u533b\u9662\u8017\u5c3d\u60a8\u6bd5\u751f\u79ef\u84c4\u8981\u597d\u4e0a\u65e0\u6570\u500d\u3002<\/p>\n\n\n\n<p 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