{"id":265,"date":"2026-04-08T04:54:45","date_gmt":"2026-04-08T04:54:45","guid":{"rendered":"https:\/\/securelife.my\/?p=265"},"modified":"2026-04-08T05:23:41","modified_gmt":"2026-04-08T05:23:41","slug":"prumillion-med-2-0-malaysia","status":"publish","type":"post","link":"https:\/\/securelife.my\/zh\/prumillion-med-2-0-malaysia\/","title":{"rendered":"\u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0\uff1a\u5347\u7ea7\u533b\u836f\u5361\u76845\u5927\u6700\u4f73\u7406\u7531"},"content":{"rendered":"
\"PRUMillion<\/figure>\n\n\n\n

\u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0<\/strong> \u6b63\u4ee5\u7edd\u5bf9\u7684\u964d\u7ef4\u6253\u51fb\u59ff\u6001\uff0c\u5f7b\u5e95\u91cd\u65b0\u5b9a\u4e49\u6781\u5176\u806a\u660e\u7684\u5bb6\u5ead\u8be5\u5982\u4f55\u4fdd\u62a4\u81ea\u5df1\u514d\u53d7\u533b\u7597\u901a\u8d27\u81a8\u80c0\u7684\u6050\u6016\u73b0\u5b9e\u4f24\u5bb3\u3002\u8bb8\u591a\u9a6c\u6765\u897f\u4e9a\u4eba\u81ea\u4fe1\u5730\u8ba4\u4e3a\u4ed6\u4eec\u53d7\u5230\u4e86\u5168\u9762\u7684\u4fdd\u62a4\uff0c\u4ec5\u4ec5\u662f\u56e0\u4e3a\u4ed6\u4eec\u5728 5 \u5e74\u524d\u8d2d\u4e70\u4e86\u4e00\u5f20 RM100 \u4e07\u57fa\u672c\u9650\u989d\u7684\u533b\u836f\u5361\u3002\u7136\u800c\uff0c\u8fc7\u5ea6\u4f9d\u8d56\u4e00\u4efd\u8fc7\u65f6\u4e14\u672a\u66fe\u5347\u7ea7\u8fc7\u7684\u4fdd\u5355\uff0c\u672c\u8d28\u4e0a\u7b49\u540c\u4e8e\u8d70\u8fdb\u4e00\u4e2a\u8d22\u52a1\u9677\u9631\u3002\u7531\u4e8e\u5168\u7403\u533b\u7597\u901a\u8d27\u81a8\u80c0\u6781\u5176\u51f6\u731b\uff0c\u5341\u5e74\u524d\u88ab\u8ba4\u4e3a\u662f\u201c\u9ad8\u989d\u9650\u989d\u201d\u7684\u6570\u5b57\uff0c\u5728\u4eca\u5929\u51e0\u4e4e\u65e0\u6cd5\u8986\u76d6\u4e13\u4e1a\u7684\u764c\u75c7\u6cbb\u7597\u6216\u957f\u671f\u7684\u91cd\u75c7\u76d1\u62a4\u5ba4 (ICU) \u8d39\u7528\u3002<\/p>\n\n\n\n

\u4e3a\u4e86\u4ece\u6839\u672c\u4e0a\u4e3a\u60a8\u81ea\u5df1\u7684\u533b\u7597\u4fdd\u5065\u6253\u9020\u6700\u9ad8\u7ea7\u522b\u7684\u9632\u5f39\u4fdd\u969c\uff0c\u60a8\u7edd\u5bf9\u8feb\u5207\u9700\u8981 \u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0<\/strong>\u3002\u8fd9\u7edd\u4e0d\u4ec5\u4ec5\u662f\u4e00\u4e2a\u5fae\u5c0f\u7684\u5347\u7ea7\uff1b\u5b83\u5c06\u628a\u60a8\u7684\u6807\u51c6\u533b\u836f\u5361\u5f7b\u5e95\u63d0\u5347\u4e3a\u7edd\u5bf9\u7684 VIP \u7ea7\u522b\u4fdd\u62a4\u3002<\/p>\n\n\n\n

\u4ee5\u4e0b\u662f 5\u5927\u4ee4\u4eba\u4e0d\u5bd2\u800c\u6817\u7684\u533b\u7597\u6f0f\u6d1e\uff0c<\/strong> \u6b63\u662f\u5b83\u4eec\u8ba9\u5347\u7ea7\u81f3\u8fd9\u5f20\u9876\u7ea7\u533b\u836f\u5361\u6210\u4e3a\u60a8\u4eca\u5e74\u505a\u51fa\u7684\u6700\u5177\u5438\u5f15\u529b\u3001\u6700\u660e\u667a\u7684\u51b3\u5b9a\u3002<\/p>\n\n\n\n

\n\n\n\n

1. \u4ee4\u4eba\u548b\u820c\u7684 RM800\u4e07\u8d85\u9ad8\u5e74\u5ea6\u9650\u989d <\/strong><\/h2>\n\n\n\n

Medical costs in Malaysia are skyrocketing at roughly 12% to 15%<\/mark><\/strong> every single year. A complex brain surgery or prolonged targeted cancer therapy that costs RM200,000 today might easily cost RM800,000 in a decade. Standard cards have fixed, low annual limits that will abandon you mid-treatment once you max them out.<\/p>\n\n\n\n

\u8fd9 \u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0<\/strong> \u5f7b\u5e95\u6b7c\u706d\u4e86\u8fd9\u79cd\u7279\u5b9a\u7684\u6050\u60e7\u3002\u5b83\u4e3a\u60a8\u914d\u5907\u4e86\u4ee4\u4eba\u548b\u820c\u7684 RM8 Million Annual Limit, <\/mark><\/strong>completely removing any “Lifetime Limit”. This means that every single year, your RM8 Million resets. Even if you contract a severe illness at age 40 and claim RM5 Million, the very next year, you have a fresh RM8 Million ready to protect you again. You literally cannot run out of coverage.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

2. \u9488\u5bf9\u764c\u75c7\u7684\u6700\u524d\u6cbf\u57fa\u56e0\u7ec4\u6d4b\u5e8f\u6d4b\u8bd5<\/strong><\/h2>\n\n\n\n

\u764c\u75c7\u6cbb\u7597\u6280\u672f\u4e00\u76f4\u5728\u98de\u901f\u53d1\u5c55\uff0c\u7136\u800c\u6b8b\u65e7\u7684\u533b\u836f\u5361\u5374\u53ea\u613f\u610f\u4e3a\u60a8\u6781\u5176\u843d\u540e\u4e14\u75db\u82e6\u7684\u6807\u51c6\u4f20\u7edf\u5316\u7597\u4e70\u5355\u3002\u73b0\u4ee3\u80bf\u7624\u5b66\u6781\u5176\u4f9d\u8d56\u6781\u5176\u7cbe\u51c6\u7684\u57fa\u56e0\u7ec4\u6d4b\u8bd5\uff0c\u4ee5\u4fbf\u533b\u751f\u80fd\u591f\u7acb\u5373\u8bc6\u522b\u80bf\u7624\u7684\u786e\u5207\u57fa\u56e0\u7ec4\u6210\uff0c\u4ece\u800c\u90e8\u7f72\u8d85\u7ea7\u9488\u5bf9\u6027\u3001\u6781\u5ea6\u9ad8\u6548\u7684\u9776\u5411\u6297\u764c\u836f\u7269\u3002<\/p>\n\n\n\n

\u8fd9 \u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0<\/strong> actually pays for your advanced Genomic Testing<\/mark><\/strong>! This is a massive feature because these highly specialized tests often cost thousands of Ringgit out-of-pocket elsewhere. By spotting the exact targeted therapy you need on day one, it aggressively maximizes your chances of survival.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

3. \u6302\u8f7d\u65e0\u654c\u7684 Booster \u63d0\u5347\u7248<\/strong><\/h2>\n\n\n\n

\u60a8\u6709\u6ca1\u6709\u4ed4\u7ec6\u770b\u8fc7\u90a3\u4efd\u65e7\u4fdd\u5355\u91cc\u7684\u9644\u52a0\u7ec6\u5219\u6761\u6b3e\uff1f\u8bb8\u591a\u6807\u51c6\u533b\u7597\u4fdd\u5355\u90fd\u5728\u6084\u6084\u5730\u9650\u5236\u4e86\u60a8\u4f4f\u9662\u98df\u5bbf\u8d39 (R&B) \u6216\u91cd\u75c7\u76d1\u62a4\u5ba4 (ICU) \u7684\u5929\u6570\u3002\u4ed6\u4eec\u901a\u5e38\u53ea\u62a5\u9500\u4e00\u5e74\u4e2d\u6700\u591a 120 \u5929\u7684\u4f4f\u9662\u8d39\u3002<\/p>\n\n\n\n

\u771f\u6b63\u7684\u5a01\u529b\u5728\u4e8e \u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0<\/strong> \uff0c\u5b83\u5141\u8bb8\u60a8\u5b8c\u7f8e\u5730\u6302\u8f7d\u65e0\u654c\u7684 PRUMillion Med Booster 2.0<\/strong>\u53ea\u8981\u9644\u52a0\u4e86\u8fd9\u4e2a\u6a21\u5757\uff0c\u90a3\u4e9b\u4ee4\u4eba\u6050\u60e7\u7684\u4f4f\u9662\u5929\u6570\u9650\u5236\u5c06\u88ab\u5927\u4e3e\u6253\u7834\u3002\u60a8\u5c06\u7acb\u5373\u89e3\u9501\u91cd\u75c7\u76d1\u62a4\u5ba4 (ICU) unlimited number of days<\/strong> for intensive care unit (ICU) stays!<\/strong> <\/mark>You also get up to 365 days of extended post-hospitalisation care to fully cover your rehabilitation and outpatient specialist follow-ups.<\/p>\n\n\n\n

4. \u901a\u8fc7\u81ea\u4ed8\u8d39\u9009\u9879\u5b9e\u73b0\u806a\u660e\u7684\u4fdd\u8d39\u8282\u7701 <\/strong><\/h2>\n\n\n\n

\u5728\u574a\u95f4\u6709\u4e00\u4e2a\u975e\u5e38\u666e\u904d\u7684\u8bef\u89e3\uff0c\u90a3\u5c31\u662f\uff1a\u4e00\u5f20\u9ad8\u8fbe RM800 \u4e07\u9650\u989d\u7684\u65e0\u654c\u533b\u836f\u5361\uff0c\u5176\u6bcf\u6708\u7684\u4fdd\u8d39\u5fc5\u5b9a\u662f\u6602\u8d35\u5230\u4ee4\u4eba\u53d1\u6307\u7684\u3002\u8fd9\u5728\u4ee5\u524d\u6216\u8bb8\u662f\u4e8b\u5b9e\uff0c\u76f4\u5230\u4fdd\u8bda\u5f15\u5165\u4e86\u6781\u5177\u98a0\u8986\u6027\u7684\u91cd\u5ea6\u5b9a\u5236\u5316\u9009\u9879\u3002<\/p>\n\n\n\n

\u901a\u8fc7 \u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0<\/strong>\uff0c\u60a8\u53ef\u4ee5\u81ea\u7531\u9009\u62e9\u4e00\u9879\u6781\u5ea6\u806a\u660e\u7684\u201c\u81ea\u4ed8\u8d39 (Deductible)\u201d\u9009\u9879\uff08\u6bcf\u5e74\u8303\u56f4\u4ece RM500 \u5230 RM10,000 \u4e0d\u7b49\uff09\u3002\u5982\u679c\u60a8\u7684\u516c\u53f8\u5df2\u7ecf\u4e3a\u60a8\u63d0\u4f9b\u4e86\u4e00\u5f20\u57fa\u672c\u7684\u8001\u677f\u5458\u5de5\u533b\u836f\u5361\uff0c\u60a8\u5b8c\u5168\u53ef\u4ee5\u5728\u60a8\u7684\u4fdd\u8bda\u4fdd\u5355\u4e0a\u8bbe\u7f6e\u9ad8\u8fbe RM10,000 \u7684\u81ea\u4ed8\u989d\u3002\u5e73\u65f6\u7684\u5c0f\u75c5\u75db\u5168\u4ea4\u7531\u516c\u53f8\u5305\u529e\uff1b\u800c\u4e00\u65e6\u9762\u4e34\u6781\u5176\u53ef\u6015\u3001\u8db3\u4ee5\u8ba9\u4eba\u503e\u5bb6\u8361\u4ea7\u7684\u7edd\u75c7\u7ea7\u5de8\u989d\u533b\u7597\u8d39\u65f6\uff0c\u60a8\u8fd9\u5f20 800 \u4e07\u7684\u533b\u836f\u5361\u5c31\u4f1a\u7acb\u523b\u964d\u4e34\u62ef\u6551\u60a8\u3002\u6b63\u56e0\u4e3a\u60a8\u9009\u62e9\u4e86\u81ea\u4ed8\u989d\u673a\u5236\uff0c\u60a8\u6bcf\u4e2a\u6708\u4ea4\u7ed9\u4fdd\u9669\u516c\u53f8\u7684\u4fdd\u8d39\u5c06\u4f1a\u53d8\u5f97\u4ee4\u4eba\u96be\u4ee5\u7f6e\u4fe1\u7684\u4fbf\u5b9c\u548c\u5212\u7b97\uff01<\/p>\n\n\n\n

5. \u8bf1\u4eba\u7684\u201c\u65e0\u7406\u8d54\u201d\u5343\u5143\u7ea2\u5229\u5956\u52b1 <\/strong><\/h2>\n\n\n\n

\u5982\u679c\u60a8\u6309\u65f6\u7f34\u7eb3\u6bcf\u6708\u7684\u4fdd\u8d39\uff0c\u5e38\u5e74\u4fdd\u6301\u7edd\u5bf9\u5065\u5eb7\uff0c\u59cb\u7ec8\u8fdc\u79bb\u533b\u9662\u5927\u95e8\uff0c\u4e00\u6574\u5e74\u6ca1\u6709\u63d0\u51fa\u8fc7\u4efb\u4f55\u7d22\u8d54\u5462\uff1f\u96be\u9053\u4fdd\u9669\u516c\u53f8\u5c31\u8fd9\u6837\u767d\u767d\u628a\u60a8\u7684\u94b1\u62ff\u8d70\u4e0d\u8fd8\u4e86\u5417\uff1f<\/p>\n\n\n\n

Not with this ultra-premium upgrade. When you attach the PRUMillion Med Booster, it introduces an incredibly attractive “No Claims Benefit”<\/mark>.<\/strong> If you do not claim anything during the preceding policy year, Prudential actually actively rewards you with an annual bonus of up to RM1,000<\/strong><\/mark>\u60a8\u53ef\u4ee5\u4e13\u5c5e\u4f7f\u7528\u8fd9\u7b14\u514d\u8d39\u7684\u7ea2\u5229\u73b0\u91d1\u6765\u8fdb\u4e00\u6b65\u63d0\u5347\u60a8\u7684\u5065\u5eb7\u9632\u7ebf\uff01\u4f8b\u5982\u5c06\u5176\u82b1\u5728\u9884\u9632\u6027\u75ab\u82d7\u63a5\u79cd\u3001\u6df1\u5ea6\u8bca\u65ad\u4e13\u5bb6\u4f53\u68c0\u6216\u8005\u6574\u4f53\u6027\u7684\u5065\u5eb7\u8ba2\u9605\u8ba1\u5212\u4e0a\u3002\u5b83\u8fd9\u5b9e\u5b9e\u5728\u5728\u5730\u662f\u5728\u4e3a\u60a8\u4fdd\u6301\u5065\u5eb7\u7684\u81ea\u5f8b\u884c\u4e3a\u4ed8\u94b1\u4e70\u5355\uff01<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n
\n\n\n\n

\u5e38\u89c1\u95ee\u9898 (FAQ)<\/strong><\/h3>\n\n\n\n

\u95ee\uff1a\u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0 \u6db5\u76d6\u95e8\u8bca\u764c\u75c7\u6cbb\u7597\u548c\u80be\u810f\u900f\u6790\u6d17\u80be\u5417\uff1f<\/strong><\/p>\n\n\n\n

\u7b54\uff1a<\/strong> \u7edd\u5bf9\u6db5\u76d6\u3002\u95e8\u8bca\u7684\u764c\u75c7\u6cbb\u7597\u4ee5\u53ca\u80be\u810f\u900f\u6790\uff08\u6d17\u80be\uff09\u90fd\u88ab\u5f3a\u6709\u529b\u5730\u7eb3\u5165\u4e86\u5176\u90a3\u60ca\u4eba\u7684\u65e0\u654c\u9ad8\u5e74\u5ea6\u9650\u989d\u4fdd\u969c\u8303\u56f4\u5185\uff0c\u7edd\u5bf9\u786e\u4fdd\u60a8\u5728\u9762\u5bf9\u957f\u671f\u65e0\u5e95\u6d1e\u822c\u7684\u6cbb\u7597\u65f6\uff0c\u4e0d\u4f1a\u7a81\u7136\u906d\u9047\u9700\u8981\u81ea\u638f\u8170\u5305\u7684\u4e25\u91cd\u8d22\u52a1\u51b2\u51fb\u3002<\/p>\n\n\n\n

\u95ee\uff1a\u6211\u9700\u8981\u91cd\u65b0\u63a5\u53d7\u6838\u4fdd\u5ba1\u6838\u624d\u80fd\u628a\u6211\u7684\u65e7\u533b\u836f\u5361\u6362\u6210\u8fd9\u6b3e PRUMillion Med 2.0<\/a>?<\/strong><\/p>\n\n\n\n

\u7b54\uff1a<\/strong> \u662f\u7684\uff0c\u5347\u7ea7\u73b0\u6709\u7684\u57fa\u7840\u4fdd\u5355\u9700\u8981\u91cd\u65b0\u63d0\u4ea4\u4e00\u4efd\u5168\u65b0\u7684\u5065\u5eb7\u7533\u62a5\u548c\u533b\u7597\u6838\u4fdd\u3002\u8fd9\u4e5f\u6b63\u662f\u4e3a\u4ec0\u4e48\u60a8\u7edd\u5bf9\u5fc5\u987b\u5728\u76ee\u524d\u5b8c\u5168\u5065\u5eb7\u7684\u72b6\u6001\u4e0b\u7acb\u523b\u5904\u7406\u8fd9\u9879\u5347\u7ea7\u7684\u539f\u56e0\uff0c\u7edd\u4e0d\u8981\u7b49\u5230\u4efb\u4f55\u65e0\u6cd5\u9884\u6d4b\u7684\u7a81\u53d1\u75be\u75c5\u5c06\u60a8\u6c38\u8fdc\u6321\u5728\u5927\u95e8\u5916\uff01<\/p>\n\n\n\n

\u7edd\u5bf9\u4e0d\u8981\u53ea\u662f\u88ab\u52a8\u7b49\u5f85\uff0c\u76f4\u5230\u60a8\u57fa\u672c\u533a\u533a RM100 \u7684\u9650\u989d\u5f7b\u5e95\u88ab\u6076\u6027\u533b\u7597\u901a\u8d27\u81a8\u80c0\u541e\u566c\u548c\u6467\u6bc1\u3002 <\/p>\n\n\n\n

\u8bf7\u7acb\u5373\u5229\u7528\u8fd9 RM800 \u4e07\u7684\u7edd\u9876\u9650\u989d\uff0c\u4e3a\u60a8\u5bb6\u4eba\u7684\u672a\u6765\u5065\u5eb7\u91c7\u53d6\u6700\u9ad8\u7ea7\u522b\u7684\u9632\u96f7\u63aa\u65bd\u3002 <\/p>\n\n\n\n

\u9a6c\u4e0a\u70b9\u51fb\u4e0b\u65b9\u7684 WhatsApp \u6309\u94ae\u7d22\u53d6\u9488\u5bf9\u60a8\u533b\u836f\u5361\u7684\u5373\u523b\u5168\u9762\u5ba1\u67e5\u3002 <\/p>\n\n\n\n

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Contact Us<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n

\u6211\u5c06\u4eb2\u81ea\u5ba1\u67e5\u60a8\u73b0\u6709\u7684\u4fdd\u5355\uff0c\u5e76\u4e3a\u60a8\u7cbe\u51c6\u8ba1\u7b97\u51fa\uff1a\u5728\u4eca\u5929\uff0c\u6211\u4eec\u5230\u5e95\u53ef\u4ee5\u591a\u4e48\u6beb\u4e0d\u8d39\u529b\u5730\u5c06\u60a8\u5347\u7ea7\u81f3\u6781\u5ea6\u9876\u7ea7\u7684\u201c\u5927\u9a6c\u4fdd\u8bda PRUMillion Med 2.0\u201d\uff01<\/p>\n\n\n\n

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PRUMillion Med 2.0 Malaysia is completely redefining how smart families protect themselves from the terrifying reality of medical inflation. 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