{"id":306,"date":"2026-04-13T11:34:47","date_gmt":"2026-04-13T11:34:47","guid":{"rendered":"https:\/\/securelife.my\/?p=306"},"modified":"2026-04-13T12:20:05","modified_gmt":"2026-04-13T12:20:05","slug":"malaysia-life-insurance-claims-2025","status":"publish","type":"post","link":"https:\/\/securelife.my\/zh\/malaysia-life-insurance-claims-2025\/","title":{"rendered":"2025\u5927\u9a6c\u5bff\u9669\u7406\u8d54\u62a5\u544a\uff1a3\u4e2a\u60ca\u9a87\u6570\u636e\u8bc1\u660e\u4f60\u7684\u4fdd\u969c\u4e25\u91cd\u4e0d\u8db3"},"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\/04\/malaysia-life-insurance-claims-2025.jpg\" alt=\"Malaysia Life Insurance Claims 2025 - A professional wealth advisor urgently pointing at skyrocketing medical and disability statistics from the annual 2025 industry report | \u5927\u9a6c\u5bff\u9669\u7406\u8d54\u6570\u636e 2025 - \u4e13\u4e1a\u7684\u7406\u8d22\u89c4\u5212\u5e08\u6781\u5176\u7d27\u6025\u5730\u6307\u7740 2025 \u5e74\u5ea6\u884c\u4e1a\u62a5\u544a\u4e2d\u66b4\u6da8\u7684\u533b\u7597\u548c\u6b8b\u75be\u6570\u636e\" class=\"wp-image-307\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/malaysia-life-insurance-claims-2025.jpg 1024w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/malaysia-life-insurance-claims-2025-300x300.jpg 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/malaysia-life-insurance-claims-2025-150x150.jpg 150w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/malaysia-life-insurance-claims-2025-768x768.jpg 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/malaysia-life-insurance-claims-2025-12x12.jpg 12w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u5982\u679c\u60a8\u4ed4\u7ec6\u5ba1\u9605\u7531\u884c\u4e1a\u5b98\u65b9\u53d1\u5e03\u7684\u6700\u65b0 <strong>\u5927\u9a6c\u5bff\u9669\u7406\u8d54\u6570\u636e 2025 (Malaysia Life Insurance Claims 2025)<\/strong> \uff0c\u60a8\u4f1a\u7acb\u523b\u60ca\u6050\u5730\u610f\u8bc6\u5230\uff1a\u5728\u8fd9\u4e2a\u65f6\u4ee3\uff0c\u4ec5\u4ec5\u4f9d\u8d56\u4e00\u5f20\u8fc7\u65f6\u3001\u4fbf\u5b9c\u7684\u65e7\u6b3e\u57fa\u672c\u533b\u836f\u5361\uff0c\u7edd\u5bf9\u662f\u917f\u6210\u5bb6\u5ead\u8d22\u52a1\u707e\u96be\u7684\u5b8c\u7f8e\u914d\u65b9\u3002\u6bcf\u5e74\uff0c\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c (Bank Negara) \u548c ISM \u90fd\u4f1a\u6781\u5176\u51b7\u9177\u5730\u516c\u5e03\u4e00\u4efd\u65e0\u53ef\u8fa9\u9a73\u7684\u6570\u5b66\u771f\u76f8\uff1a\u5230\u5e95\u662f\u4ec0\u4e48\u53ef\u6015\u7684\u5371\u673a\uff0c\u6b63\u5728\u628a\u6210\u5343\u4e0a\u4e07\u7684\u5927\u9a6c\u4eba\u9001\u8fdb\u533b\u9662\uff0c\u5e76\u51f6\u731b\u5730\u69a8\u5e72\u4ed6\u4eec\u6bd5\u751f\u7684\u79ef\u84c4\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e0d\uff0c\u5168\u65b0\u51fa\u7089\u7684 2025 \u5e74\u5e74\u5ea6\u62a5\u544a\u521a\u521a\u53d1\u5e03\uff0c\u91cc\u9762\u7684\u6570\u636e\u5b9e\u5728\u4ee4\u4eba\u6781\u5ea6\u4e0d\u5b89\u3002\u6574\u4e2a\u4eba\u5bff\u4fdd\u9669\u884c\u4e1a\u7684\u8d54\u4ed8\u603b\u989d\u8fbe\u5230\u521b\u7eaa\u5f55\u7684 174 \u4ebf\u4ee4\u5409\uff0c\u9ad8\u4e8e\u4e4b\u524d\u7684 168 \u4ebf\u4ee4\u5409\u3002 <strong>RM174 \u4ebf (RM17.4 Billion)<\/strong>\uff0c\u9ad8\u4e8e\u4e4b\u524d\u7684RM168 \u4ebf\u3002<\/p>\n\n\n\n<p>\u4f46\u8fd9\u7b14\u582a\u79f0\u5929\u6587\u6570\u5b57\u7684\u5de8\u6b3e\u5230\u5e95\u53bb\u54ea\u513f\u4e86\u5462\uff1f\u8ba9\u6211\u4eec\u73b0\u5728\u5c31\u6765\u72e0\u72e0\u62c6\u89e3 <strong>\u5927\u9a6c\u5bff\u9669\u7406\u8d54\u6570\u636e 2025 (Malaysia Life Insurance Claims 2025)<\/strong> \u62a5\u544a\u4e2d\u90a3 3 \u4e2a\u6781\u5ea6\u60ca\u9a87\u7684\u6838\u5fc3\u6570\u636e\uff01\u4ece\u6570\u5b66\u89d2\u5ea6\u7edd\u5bf9\u8bc1\u660e\uff0c\u4e3a\u4ec0\u4e48\u60a8\u4eca\u5929\u5341\u4e07\u706b\u6025\u5730\u9700\u8981\u4e00\u5f20\u62e5\u6709 RM800 \u4e07\u8d85\u9ad8\u5e74\u5ea6\u9650\u989d\u7684\u4fdd\u8bda\u533b\u836f\u5361 (Prudential Medical Card) \u548c\u9876\u7ea7\u7684\u7ec8\u8eab\u6b8b\u75be (TPD) \u9632\u7ebf\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"885\" height=\"1024\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-18-885x1024.png\" alt=\"\" class=\"wp-image-308\" style=\"aspect-ratio:0.8642731103028557;width:634px;height:auto\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-18-885x1024.png 885w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-18-259x300.png 259w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-18-768x889.png 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-18-10x12.png 10w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-18.png 1193w\" sizes=\"auto, (max-width: 885px) 100vw, 885px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. RM93.7 \u4ebf\u7684\u5929\u4ef7\u533b\u7597\u5371\u673a <\/strong><\/h2>\n\n\n\n<p>\u6574\u4efd\u62a5\u544a\u4e2d\u6700\u4ee4\u4eba\u7a92\u606f\u7684\u6570\u636e\u5c31\u662f\uff1a <strong>\u533b\u7597\u8d39\u7528\u7406\u8d54 (Medical Claims) \u76ee\u524d\u5df2\u7ecf\u5360\u636e\u4e86\u6240\u6709\u7406\u8d54\u652f\u51fa\u7684\u7edd\u5bf9\u6700\u5927\u4efd\u989d\uff0c\u9ad8\u8fbe\u60ca\u4eba\u7684 53.9%\uff01<\/strong>\u4ec5\u4ec5\u5728 2025 \u5e74\u4e00\u5e74\u65f6\u95f4\u91cc\uff0c\u5404\u5927\u4fdd\u9669\u516c\u53f8\u5c31\u6781\u5176\u60e8\u70c8\u5730\u652f\u51fa\u4e86\u9ad8\u8fbe <strong>RM93.7 \u4ebf<\/strong> (RM9,370,828,185)\uff0c\u4ec5\u4ec5\u53ea\u662f\u7528\u6765\u652f\u4ed8\u5927\u9a6c\u4eba\u7684\u4f4f\u9662\u8d39\u3001\u590d\u6742\u624b\u672f\u8d39\u3001\u6602\u8d35\u7684\u764c\u75c7\u6cbb\u7597\u4ee5\u53ca\u91cd\u75c7\u76d1\u62a4\u5ba4 (ICU) \u7684\u8d26\u5355\uff01\u8fd9\u4e00\u6570\u5b57\u6bd4\u524d\u4e00\u5e74\u5927\u5e45\u66b4\u589e\u4e86 5.3%\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u8fd9\u5bf9\u60a8\u610f\u5473\u7740\u4ec0\u4e48\uff1f<\/strong><\/h3>\n\n\n\n<p>\u8fd9\u610f\u5473\u7740\u9a6c\u6765\u897f\u4e9a\u7684\u533b\u7597\u901a\u80c0\u6b63\u5728\u5f7b\u5e95\u5931\u63a7\uff01\u79c1\u4eba\u533b\u9662\u90a3\u6781\u5176\u6602\u8d35\u7684\u4f4f\u9662\u8d39\u3001\u5355\u9897\u836f\u4e38\u4e0a\u4e07\u7684\u7cbe\u51c6\u764c\u75c7\u9776\u5411\u6cbb\u7597\u3001\u4ee5\u53ca\u5148\u8fdb\u7684\u673a\u68b0\u81c2\u5f00\u80f8\u624b\u672f\uff0c\u6b63\u8ba9 RM10 \u4e07\u4ee4\u7684\u8d26\u5355\u6210\u4e3a\u6bcf\u4e2a\u5bb6\u5ead\u7684\u5bb6\u5e38\u4fbf\u996d\u3002 <\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u73b0\u5728\u624b\u91cc\u8fd8\u7d27\u7d27\u6525\u7740\u4e00\u5f20 10 \u5e74\u524d\u4e70\u7684\u65e7\u6b3e\u533b\u836f\u5361\uff0c\u5e74\u5ea6\u9650\u989d\u53ea\u6709\u90a3\u53ef\u601c\u516e\u516e\u7684 RM10 \u4e07\u6216 RM15 \u4e07\uff0c\u4ece\u79d1\u5b66\u5e38\u8bc6\u6765\u770b\uff0c\u4e00\u65e6\u906d\u9047\u4e25\u91cd\u75be\u75c5\uff0c\u60a8\u5fc5\u5b9a\u4f1a\u8f7b\u6613\u201c\u5237\u7206\u201d\u60a8\u7684\u5361\uff01 <\/p>\n\n\n\n<p>\u5f53\u60a8\u7684\u533b\u836f\u5361\u989d\u5ea6\u8017\u5c3d\u7684\u90a3\u4e00\u5929\uff0c\u60a8\u5c06\u88ab\u79c1\u4eba\u533b\u9662\u65e0\u60c5\u9a71\u9010\uff0c\u7136\u540e\u88ab\u8feb\u56de\u5230\u90a3\u4ee4\u4eba\u7edd\u671b\u7684\u653f\u5e9c\u533b\u9662\u6392\u961f\u540d\u5355\u4e2d\u75db\u82e6\u7b49\u5f85\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. \u7ec8\u8eab\u6b8b\u75be\u7406\u8d54\u6781\u5176\u60ca\u609a\u5730\u201c\u66b4\u589e\u4e86 77.4% <\/strong><\/h2>\n\n\n\n<p>\u5982\u679c\u5931\u63a7\u7684\u5929\u4ef7\u533b\u7597\u901a\u80c0\u8fd8\u4e0d\u8db3\u4ee5\u8ba9\u60a8\u8b66\u9192\uff0c\u90a3\u4e48\u63a5\u4e0b\u6765\u7684\u8fd9\u4e2a\u6570\u636e\u5c06\u5f7b\u5e95\u3001\u6c38\u4e45\u5730\u98a0\u8986\u60a8\u5bf9\u4fdd\u9669\u7684\u8ba4\u77e5\u3002\u867d\u7136\u6b7b\u4ea1\u7406\u8d54\u53cd\u800c\u4e0b\u964d\u4e86 7.7%\uff0c <strong>\u4f46 \u6b8b\u75be\u7406\u8d54 (Disability Claims, TPD) \u5374\u5728\u77ed\u77ed\u4e00\u5e74\u5185\u53d1\u751f\u4e86\u6781\u5176\u60ca\u609a\u7684\u66b4\u529b\u98d9\u5347\uff0c\u6da8\u5e45\u9ad8\u8fbe 77.4%\uff01<\/strong> \u7406\u8d54\u91d1\u989d\u4ece RM8,890 \u4e07\u77ac\u95f4\u66b4\u6da8\u81f3\u4ee4\u4eba\u53d1\u6307\u7684 <strong>RM1.578 \u4ebf\uff01<\/strong>!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u8fd9\u5bf9\u60a8\u610f\u5473\u7740\u4ec0\u4e48\uff1f<\/strong><\/h3>\n\n\n\n<p>\u8fd9\u610f\u5473\u7740\uff0c\u5f97\u76ca\u4e8e\u65e5\u76ca\u5148\u8fdb\uff08\u4e14\u6781\u5176\u6602\u8d35\uff0c\u5373\u90a3 93 \u4ebf\u533b\u7597\u8d39\uff09\u7684\u73b0\u4ee3\u533b\u5b66\u6280\u672f\uff0c\u533b\u751f\u73b0\u5728\u80fd\u4ece\u6781\u5176\u6050\u6016\u7684\u8f66\u7978\u6b8b\u9ab8\u548c\u8111\u6ea2\u8840\u6b7b\u4ea1\u8fb9\u7f18\u628a\u60a8\u786c\u751f\u751f\u62c9\u56de\u6765\u3002\u5927\u9a6c\u4eba\u73b0\u5728\u662f\u4e0d\u90a3\u4e48\u5bb9\u6613\u6b7b\u4e86\uff01\u4f46\u662f\uff0c\u867d\u7136\u60a8\u4fa5\u5e78\u6d3b\u4e86\u4e0b\u6765\uff0c\u60a8\u5374\u843d\u4e0b\u4e86\u7ec8\u8eab\u6b8b\u75be\u3001\u5168\u8eab\u762b\u75ea\u6216\u8111\u90e8\u4e25\u91cd\u53d7\u635f\u7684\u60b2\u60e8\u4e0b\u573a\u3002\u6b63\u5982\u6211\u4eec\u5728\u4e4b\u524d\u7684 TPD \u6587\u7ae0\u4e2d\u6240\u8b66\u544a\u7684\u90a3\u6837\uff0c\u5982\u679c\u60a8\u5728\u52ab\u540e\u4f59\u751f\u65f6\u6ca1\u6709\u4e00\u7b14\u5e9e\u5927\u7684 <strong>\u5927\u9a6c\u5bff\u9669\u7406\u8d54\u6570\u636e 2025 (Malaysia Life Insurance Claims 2025)<\/strong> \u6551\u547d\u91d1\u57ab\u5e95\uff0c\u60a8\u5c06\u5f7b\u5e95\u6ca6\u4e3a\u60a8\u90a3\u4f4d\u7edd\u671b\u914d\u5076\u957f\u8fbe\u51e0\u5341\u5e74\u7684\u201c\u6d3b\u4f53\u5f00\u9500\u673a\u5668\u201d\u3002\u8fd9 77.4% \u7684\u75af\u72c2\u66b4\u589e\uff0c\u5728\u6570\u5b66\u4e0a\u94c1\u8bc1\u5982\u5c71\u5730\u8bc1\u660e\uff1a\u4f5c\u4e3a\u6b8b\u75be\u4eba\u52ab\u540e\u4f59\u751f\u3001\u82df\u5ef6\u6b8b\u5598\u5728\u8fd9\u4e2a\u793e\u4f1a\u4e2d\u7684\u6982\u7387\uff0c\u6b63\u5728\u4ee5\u524d\u6240\u672a\u6709\u7684\u901f\u5ea6\u5931\u63a7\u98d9\u5347\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. \u6536\u5165\u8d8a\u9ad8\uff0c\u8d22\u5bcc\u84b8\u53d1\u7684\u98ce\u9669\u8d8a\u81f4\u547d <\/strong><\/h2>\n\n\n\n<p>2025 \u5e74\u884c\u4e1a\u5e74\u5ea6\u62a5\u544a\u5c55\u671b\u4e2d\u767d\u7eb8\u9ed1\u5b57\u5730\u6307\u51fa\uff0c\u672a\u6765\u7684\u884c\u4e1a\u589e\u957f\u5c06\u4e25\u91cd\u4f9d\u8d56\u4e8e\u201c\u4e0d\u65ad\u4e0a\u5347\u7684\u5bb6\u5ead\u53ef\u652f\u914d\u6536\u5165\u201d\u7684\u5f3a\u52bf\u9a71\u52a8\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u8fd9\u5bf9\u60a8\u610f\u5473\u7740\u4ec0\u4e48\uff1f<\/strong><\/h3>\n\n\n\n<p>\u5f53\u60a8\u52aa\u529b\u6253\u62fc\u5347\u7ea7\u4e86\u5168\u5bb6\u7684\u751f\u6d3b\u54c1\u8d28\uff0c\u4e70\u4e0b\u4e00\u5957 RM150 \u4e07\u7684\u68a6\u60f3\u8c6a\u5b85\uff0c\u628a\u5b69\u5b50\u4eec\u9001\u8fdb\u6781\u5176\u6602\u8d35\u7684\u56fd\u9645\u5b66\u6821\uff0c\u5e76\u5728\u8f66\u5e93\u91cc\u505c\u653e\u4e86\u8c6a\u534e\u6b27\u6d32\u8f66\u65f6\uff0c\u60a8\u6bcf\u4e2a\u6708\u7684\u56fa\u5b9a\u5f00\u9500\u65e9\u5df2\u53d8\u5f97\u6781\u5176\u6050\u6016\u548c\u6c89\u91cd\u3002\u5f53\u4e00\u573a\u7a81\u5982\u5176\u6765\u7684\u5371\u91cd\u75be\u75c5\u77ac\u95f4\u5207\u65ad\u4e86\u60a8\u521b\u9020\u9ad8\u6536\u5165\u7684\u80fd\u529b\u65f6\uff0c\u6070\u6070\u662f\u8fd9\u79cd\u9ad8\u7aef\u7684\u751f\u6d3b\u65b9\u5f0f\uff0c\u4f1a\u5728\u51e0\u4e2a\u6708\u5185\u5f7b\u5e95\u5728\u8d22\u52a1\u4e0a\u538b\u57ae\u60a8\u7684\u914d\u5076\uff012025 \u5e74\u9ad8\u8fbe RM3.13 \u4ebf\u7684\u4e25\u91cd\u75be\u75c5 (Critical Illness) 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\u56e0\u4e3a\u4eba\u7c7b\u7684\u751f\u547d\u529b\u662f\u6781\u5176\u987d\u5f3a\u7684\uff01\u51ed\u501f\u7740\u6781\u5176\u6602\u8d35\u4e14\u767b\u5cf0\u9020\u6781\u7684\u73b0\u4ee3\u533b\u5b66\u5e72\u9884\uff0c\u4eba\u4f53\u5c31\u662f\u4e3a\u4e86\u5bf9\u6297\u201c\u6b7b\u4ea1\u201d\u800c\u7cbe\u5fc3\u8bbe\u8ba1\u7684\u3002\u5728\u60a8\u6f2b\u957f\u7684\u4e00\u751f\u4e2d\uff0c\u60a8\u6781\u53ef\u80fd\u4f1a\u56e0\u4e3a\u5404\u79cd\u590d\u6742\u7684\u624b\u672f\u3001\u6076\u6027\u611f\u67d3\u6216\u764c\u75c7\u590d\u53d1\uff0c\u800c\u88ab\u8feb\u4f4f\u9662 5 \u6b21\u751a\u81f3 10 \u6b21\u4ee5\u4e0a\uff01\u800c\u8fd9\u6bcf\u4e00\u6b21\u5165\u9662\uff0c\u90fd\u4f1a\u75af\u72c2\u89e6\u53d1\u4e00\u6b21\u5929\u4ef7\u7684\u533b\u7597\u7406\u8d54\u3002\u7136\u800c\uff0c\u6bcf\u4e2a\u4eba\u4e00\u8f88\u5b50\u53ea\u80fd\u201c\u6b7b\u201d <em>*\u4e00\u6b21*\uff0c<\/em>\u53ea\u80fd\u5728\u751f\u547d\u7684\u6700\u540e\u7ec8\u70b9\u89e6\u53d1\u4e00\u6b21\u4e00\u6b21\u6027\u7684\u6b7b\u4ea1\u7406\u8d54\u3002\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\uff0c\u62e5\u6709\u4e00\u5f20\u201c\u7ec8\u8eab\u65e0\u9650\u989d (No Lifetime Limit)\u201d\u7684\u4fdd\u8bda\u9876\u914d\u533b\u836f\u5361\uff0c\u7edd\u5bf9\u662f\u60a8\u4e00\u751f\u4e2d\u6700\u6781\u5ea6\u6838\u5fc3\u7684\u81f4\u547d\u9632\u5fa1\u6b66\u5668\uff01<\/p>\n\n\n\n<p><strong>\u95ee\uff1a\u6211\u90a3\u5f20\u5728 2014 \u5e74\u4e70\u7684\u65e7\u6b3e\u533b\u836f\u5361\u9650\u989d\uff0c\u771f\u7684\u5df2\u7ecf\u4e0d\u591f\u7528\u4e86\u5417\uff1f<\/strong><\/p>\n\n\n\n<p><strong>\u7b54\uff1a<\/strong> \u7edd\u5bf9\u3001\u5f7b\u5e95\u5730\u4e0d\u591f\uff01\u5982\u679c\u60a8\u7684\u65e7\u5361\u5e74\u5ea6\u9650\u989d\u53ea\u6709\u533a\u533a RM10 \u4e07\uff0c\u770b\u770b\u8fd9\u6781\u5176\u6050\u6016\u7684 <strong>\u5927\u9a6c\u5bff\u9669\u7406\u8d54\u6570\u636e 2025 (Malaysia Life Insurance Claims 2025)<\/strong> \u4e2d\u90a3\u88ab\u6d88\u8017\u6389\u7684 RM93 \u4ebf\u5427\uff01\u5728\u4eca\u5929\uff0c\u54ea\u6015\u4ec5\u4ec5\u662f\u4e00\u4e2a\u590d\u6742\u7684\u764c\u75c7\u9776\u5411\u7cbe\u51c6\u6cbb\u7597\u6d41\u7a0b\uff0c\u6216\u8005\u5728 ICU \u91cc\u8eba\u4e0a\u4e09\u5468\uff0c\u8d26\u5355\u51b2\u7834 RM15 \u4e07\u7edd\u5bf9\u662f\u7728\u773c\u95f4\u7684\u4e8b\uff01\u8fd9\u610f\u5473\u7740\uff0c\u60a8\u5fc5\u987b\u7edd\u671b\u5730\u81ea\u638f\u8170\u5305\uff0c\u4ece\u60a8\u517b\u8001\u7684 EPF \u516c\u79ef\u91d1\u6216\u8840\u6c57\u5b58\u6b3e\u4e2d\uff0c\u786c\u751f\u751f\u7838\u51fa\u90a3\u8d85\u8fc7\u9650\u989d\u7684 RM5\u4e07\u5dee\u4ef7\u6765\u586b\u5751\uff01<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u7edd\u5bf9\u4e0d\u8981\u56e0\u4e3a\u624b\u91cc\u8fd8\u6b7b\u6b7b\u62b1\u7740\u4e00\u5f20 10 \u5e74\u524d\u7684\u4e0a\u53e4\u65e7\u77f3\u5668\u65f6\u4ee3\u533b\u836f\u5361\uff0c\u800c\u60b2\u60e8\u5730\u6ca6\u4e3a\u4e0b\u4e00\u4e2a\u88ab\u51b7\u8840\u7834\u4ea7\u6e05\u7b97\u7684\u6570\u636e\uff01 <\/p>\n\n\n\n<p>\u9ad8\u8fbe RM93 \u4ebf\u7684\u5929\u4ef7\u533b\u7597\u8d26\u5355\u5927\u7206\u70b8\u662f\u65e0\u6bd4\u6b8b\u9177\u7684\u73b0\u5b9e\uff0c\u800c\u4e00\u65e6\u60a8\u7684\u4f4e\u914d\u7f6e\u9650\u989d\u88ab\u5237\u7206\u8017\u5c3d\uff0c\u79c1\u4eba\u533b\u9662\u7684\u7ed3\u8d26\u67dc\u53f0\u7edd\u5bf9\u4e0d\u4f1a\u5bf9\u60a8\u6709\u4e1d\u6beb\u7684\u601c\u60af\u3002 <\/p>\n\n\n\n<p>\u7acb\u523b\uff01\u9a6c\u4e0a\uff01\u70b9\u51fb\u4e0b\u65b9\u7684 WhatsApp \u6309\u94ae\uff0c\u7d22\u53d6\u4e00\u4efd\u5341\u4e07\u706b\u6025\u7684\u201c\u533b\u836f\u5361\u9650\u989d\u5e95\u724c\u6838\u67e5\u201d\u3002 <a href=\"https:\/\/securelife.my\/zh\/prumillion-med-2-0-malaysia\/\" data-type=\"link\" data-id=\"https:\/\/securelife.my\/prumillion-med-2-0-malaysia\/\">Medical Card<\/a> Limit Audit. <\/p>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-3e160ca3\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-834cecfc wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/wa.me\/60184635595?text=Hi%2C%20I%20just%20read%20the%20horrifying%202025%20Malaysia%20Life%20Insurance%20Claims%20report%20and%20the%20RM9.3%20Billion%20medical%20bomb.%20I%20am%20deeply%20terrified%20my%20current%20medical%20card%20annual%20limit%20is%20too%20low%20to%20survive%20a%20major%20illness.%20Can%20you%20urgently%20audit%20my%20card%20to%20see%20if%20I%20am%20completely%20exposed%20to%20private%20hospital%20bills%3F%0A%0A%E6%82%A8%E5%A5%BD%EF%BC%8C%E6%88%91%E5%88%9A%E5%88%9A%E4%BB%94%E4%BB%94%E7%BB%86%E7%BB%86%E7%9C%8B%E5%AE%8C%E4%BA%86%E9%82%A3%E4%BB%BD%E4%BB%A4%E4%BA%BA%E6%9E%81%E5%BA%A6%E6%81%90%E6%85%8C%E7%9A%84%202025%20%E5%B9%B4%E5%BA%A6%E5%A4%A7%E9%A9%AC%E5%AF%BF%E9%99%A9%E7%90%86%E8%B5%94%E6%8A%A5%E5%91%8A%EF%BC%81%E5%B0%A4%E5%85%B6%E6%98%AF%E9%82%A3%E9%A2%97%2093%20%E4%BA%BF%E4%BB%A4%E5%90%89%E7%9A%84%E8%B6%85%E9%AB%98%E5%8C%BB%E7%96%97%E8%B4%B9%E7%94%A8%E5%8E%9F%E5%AD%90%E5%BC%B9%EF%BC%81%E6%88%91%E7%8E%B0%E5%9C%A8%E6%9E%81%E5%BA%A6%E5%AE%B3%E6%80%95%EF%BC%8C%E6%88%91%E7%9B%AE%E5%89%8D%E6%89%8B%E9%87%8C%E7%9A%84%E5%8C%BB%E8%8D%AF%E5%8D%A1%E5%B9%B4%E5%BA%A6%E9%99%90%E9%A2%9D%E6%A0%B9%E6%9C%AC%E4%BD%8E%E5%BE%97%E5%8F%AF%E6%80%9C%EF%BC%8C%E7%BB%9D%E5%AF%B9%E6%97%A0%E6%B3%95%E8%AE%A9%E6%88%91%E7%86%AC%E8%BF%87%E4%B8%80%E5%9C%BA%E5%A4%A7%E7%97%85%E3%80%82%E6%82%A8%E8%83%BD%E5%8D%81%E4%B8%87%E7%81%AB%E6%80%A5%E5%9C%B0%E5%B8%AE%E6%88%91%E5%AE%A1%E6%9F%A5%E4%B8%80%E4%B8%8B%E6%88%91%E7%9A%84%E5%8C%BB%E8%8D%AF%E5%8D%A1%E9%85%8D%E7%BD%AE%E5%BA%95%E7%89%8C%E5%90%97%EF%BC%9F%E6%88%91%E5%BF%85%E9%A1%BB%E7%AB%8B%E5%88%BB%E7%9F%A5%E9%81%93%E6%88%91%E6%98%AF%E4%B8%8D%E6%98%AF%E6%AD%A3%E6%AF%AB%E6%97%A0%E9%98%B2%E5%BE%A1%E5%9C%B0%E6%9A%B4%E9%9C%B2%E5%9C%A8%E7%A7%81%E4%BA%BA%E5%8C%BB%E9%99%A2%E4%BB%A4%E4%BA%BA%E7%BB%9D%E6%9C%9B%E7%9A%84%E5%A4%A9%E4%BB%B7%E8%B4%A6%E5%8D%95%E5%B1%A0%E5%88%80%E4%B9%8B%E4%B8%8B%EF%BC%81%0A\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Contact Us<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n<p>\u6211\u5c06\u5b8c\u5168\u514d\u8d39\u5730\u4eb2\u81ea\u4e25\u82db\u5ba1\u67e5\u60a8\u7684\u73b0\u6709\u8ba1\u5212\uff0c\u7edd\u5bf9\u5411\u60a8\u4fdd\u8bc1\uff1a\u5728\u706d\u9876\u4e4b\u707e\u6765\u4e34\u7684\u524d\u4e00\u591c\uff0c\u6210\u529f\u4e3a\u60a8\u5347\u7ea7\u5230\u6bcf\u5e74 RM150 \u4e07\u6216 RM800 \u4e07\u575a\u4e0d\u53ef\u6467\u7684\u7ec8\u6781\u533b\u7597\u949b\u5408\u91d1\u62a4\u76fe\uff01<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>If you review the official Malaysia Life Insurance Claims 2025 data released by the industry, you will immediately realize that [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":307,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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you review the official Malaysia Life Insurance Claims 2025 data released by the industry, you will immediately realize that 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