{"id":466,"date":"2026-05-12T05:26:51","date_gmt":"2026-05-12T05:26:51","guid":{"rendered":"https:\/\/securelife.my\/?p=466"},"modified":"2026-05-12T06:36:42","modified_gmt":"2026-05-12T06:36:42","slug":"prudential-tmcc-160-conditions-malaysia","status":"publish","type":"post","link":"https:\/\/securelife.my\/zh\/prudential-tmcc-160-conditions-malaysia\/","title":{"rendered":"\u4fdd\u8bdaTMCC 160\u79cd\u75be\u75c5\uff1a\u65e9\u665a\u671f\u764c\u75c7\u6df1\u5ea6\u89e3\u6790"},"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\/05\/prudential-tmcc-160-conditions-malaysia.jpg\" alt=\"Prudential TMCC 160 conditions and early stage cancer coverage\" class=\"wp-image-467\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/prudential-tmcc-160-conditions-malaysia.jpg 1024w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/prudential-tmcc-160-conditions-malaysia-300x300.jpg 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/prudential-tmcc-160-conditions-malaysia-150x150.jpg 150w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/prudential-tmcc-160-conditions-malaysia-768x768.jpg 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/prudential-tmcc-160-conditions-malaysia-12x12.jpg 12w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u8d85\u8d8a\u6807\u51c6\u768436\u79cd\uff1a160\u79cd\u75be\u75c5\u7684\u529b\u91cf<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u51e0\u5341\u5e74\u6765\uff0c\u5728\u5236\u5b9a\u5168\u9762\u8ba1\u5212\u4e4b\u524d\uff0c\u4f8b\u5982 <strong>\u4fdd\u8bda TMCC 160 \u79cd\u75be\u75c5<\/strong> (Click\u00a0<a href=\"https:\/\/www.prudential.com.my\/content\/dam\/prudential-aem-lbu\/pamb\/pdf\/en\/products\/critical-illness\/TMCC2026_Appendix.pdf\" data-type=\"link\" data-id=\"https:\/\/www.prudential.com.my\/content\/dam\/prudential-aem-lbu\/pamb\/pdf\/en\/products\/critical-illness\/TMCC2026_Appendix.pdf\" target=\"_blank\" rel=\"noopener\">\u8fd9\u91cc<\/a>\u00a0for Appendix) emerged, the standard critical illness policy in Malaysia covered exactly 36 major illnesses. However, medical science has evolved, and so have the diseases that threaten our health and wealth. Relying on an old 36-illness policy is like using a 10-year-old smartphone\u2014it simply cannot handle today&#8217;s complex realities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f5c\u4e3a\u4e00\u540d\u4e13\u4e1a\u7684\u98ce\u9669\u987e\u95ee\uff0c\u6211\u603b\u662f\u5411\u6211\u7684\u5ba2\u6237\u5f3a\u8c03\uff1a\u60a8\u9700\u8981\u5168\u9762\u7684\u4fdd\u969c\u3002 <strong><a href=\"https:\/\/securelife.my\/zh\/prudential-tmcc-critical-illness-malaysia\/\" data-type=\"link\" data-id=\"https:\/\/securelife.my\/prudential-tmcc-critical-illness-malaysia\/\">\u4fdd\u8bda TMCC 160 \u79cd\u75be\u75c5<\/a><\/strong> (PRUTotal Multi Crisis Care) rider completely revolutionizes the market. It doesn&#8217;t just cover the <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#00d084\" class=\"has-inline-color\">&#8220;Big 3&#8221; (Cancer, Heart Attack, Stroke)<\/mark><\/strong>; it meticulously covers a massive spectrum of 160 medical conditions, ranging from complex neurological disorders to early-stage organ failures. This ensures that no matter what obscure or early-stage diagnosis a doctor hands you, your financial safety net is ready to deploy.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u764c\u75c7\u6df1\u5ea6\u89e3\u6790\uff1a\u65e9\u671f\u3001\u4e2d\u671f\u548c\u665a\u671f\u4fdd\u969c<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u4e2a\u4eba\u80fd\u542c\u5230\u7684\u6700\u53ef\u6015\u7684\u8bcd\u6c47\u4e4b\u4e00\u5c31\u662f\u201c\u764c\u75c7\u201d\u3002\u4f46\u4eca\u5929\u5bf9\u6297\u764c\u75c7\u7684\u73b0\u5b9e\u4e0e 20 \u5e74\u524d\u622a\u7136\u4e0d\u540c\u3002\u533b\u751f\u5728\u5f02\u5e38\u7ec6\u80de\u53d8\u6210\u5371\u53ca\u751f\u547d\u7684\u80bf\u7624\u4e4b\u524d\u5f88\u4e45\u5c31\u80fd\u53d1\u73b0\u5b83\u4eec\u3002\u8fd9\u6b63\u662f <strong>\u4fdd\u8bda TMCC 160 \u79cd\u75be\u75c5<\/strong> \u8ba1\u5212\u771f\u6b63\u95ea\u8000\u7684\u5730\u65b9\u2014\u2014\u5b83\u4f1a\u6839\u636e\u75be\u75c5\u7684\u4e25\u91cd\u7a0b\u5ea6\uff0c\u5728\u60a8\u6700\u9700\u8981\u7684\u65f6\u5019\u7cbe\u51c6\u5730\u63d0\u4f9b\u73b0\u91d1\u6d41\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u65e9\u671f\u4e0e\u4e2d\u671f\u764c\u75c7\uff1a50% \u7406\u8d54 <\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u60f3\u8c61\u4e00\u4e0b\uff0c\u60a8\u7684\u533b\u751f\u5728\u5e38\u89c4\u68c0\u67e5\u4e2d\u53d1\u73b0\u4e86 <em>*\u539f\u4f4d\u764c*<\/em> \uff08\u764c\u524d\u5f02\u5e38\u7ec6\u80de\uff09\u3002\u65e7\u7684\u4fdd\u5355\u4f1a\u62d2\u7edd\u60a8\u7684\u7406\u8d54\uff0c\u56e0\u4e3a\u201c\u5b83\u8fd8\u4e0d\u591f\u4e25\u91cd\u201d\u3002\u7136\u800c\uff0cTMCC \u8ba1\u5212\u4f1a\u7acb\u5373\u8d54\u4ed8 <mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\"><strong>\u60a8\u4fdd\u989d\u7684 50%\u3002<\/strong>.<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4ec0\u4e48\u8fd9\u81f3\u5173\u91cd\u8981\uff1f\u56e0\u4e3a\u65e9\u671f\u764c\u75c7\u6cbb\u6108\u7387\u6781\u9ad8\uff01\u8fd9 50% \u7684\u73b0\u91d1\u6ce8\u5165\u8ba9\u60a8\u53ef\u4ee5\u7acb\u5373\u8bf7\u5047\u3001\u5bfb\u6c42\u6700\u597d\u7684\u9776\u5411\u6cbb\u7597\uff0c\u5e76\u5728\u764c\u75c7\u8fbe\u5230\u7b2c 3 \u6216\u7b2c 4 \u671f <em>*\u4e4b\u524d*<\/em> \u5c06\u5176\u6d88\u706d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u665a\u671f\u764c\u75c7\uff1a100% \u7406\u8d54 <\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u5728\u665a\u671f\u8bca\u65ad\u51fa\u764c\u75c7\uff0c\u6216\u8005\u5982\u679c\u4e4b\u524d\u7406\u8d54\u8fc7\u7684\u65e9\u671f\u764c\u75c7\u6025\u5267\u6076\u5316\uff0c <strong>\u4fdd\u8bda TMCC 160 \u79cd\u75be\u75c5<\/strong> \u8ba1\u5212\u5c06\u63d0\u4f9b<mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\"> <strong>100% \u7684\u7406\u8d54<\/strong> <\/mark>\uff08\u6263\u9664\u8be5\u7279\u5b9a\u75be\u75c5\u5df2\u652f\u4ed8\u7684\u4efb\u4f55\u7406\u8d54\u91d1\uff09\u3002\u8fd9\u7b14\u5de8\u989d\u7684\u6574\u7b14\u62e8\u6b3e\u65e8\u5728\u5b8c\u5168\u66ff\u4ee3\u60a8\u5728\u591a\u5e74\u6297\u764c\u6597\u4e89\u4e2d\u635f\u5931\u7684\u6536\u5165\uff0c\u786e\u4fdd\u60a8\u5bb6\u4eba\u7684\u751f\u6d3b\u65b9\u5f0f\u3001\u623f\u8d37\u548c\u5b69\u5b50\u7684\u6559\u80b2\u4e0d\u53d7\u5f71\u54cd\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4e3a\u4f55\u91cd\u75be\u9669\u7edd\u5bf9\u81f3\u5173\u91cd\u8981 <\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">\u6211\u7ecf\u5e38\u9047\u5230\u7684\u4e00\u4e2a\u975e\u5e38\u666e\u904d\u7684\u8bef\u89e3\u662f\uff1a<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\"> <em>*\u201c\u6211\u5df2\u7ecf\u6709\u4e00\u5f20 100 \u4e07\u4ee4\u5409\u7684\u533b\u836f\u5361\u4e86\uff0c\u6211\u4e0d\u9700\u8981\u91cd\u75be\u4fdd\u969c\u3002\u201d*<\/em><\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u4e00\u4e2a\u5371\u9669\u7684\u534a\u771f\u534a\u5047\u7684\u9648\u8ff0\u3002\u60a8\u5fc5\u987b\u4e86\u89e3\u6839\u672c\u7684\u533a\u522b\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff6900\" class=\"has-inline-color\">\u533b\u836f\u5361\u662f\u4ed8\u94b1\u7ed9\u533b\u9662\u7684\u3002\u91cd\u75be\u9669\u662f\u4ed8\u94b1\u7ed9\u60a8\u7684\u3002<\/mark><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u60a8\u5728\u4e0e <strong>\u4fdd\u8bda TMCC 160 \u79cd\u75be\u75c5<\/strong>\u4e4b\u4e00\uff08\u7279\u522b\u662f\u4e25\u91cd\u7684\u764c\u75c7\uff09\u4f5c\u6597\u4e89\u65f6\uff0c\u60a8\u5f88\u53ef\u80fd\u4f1a\u88ab\u8feb\u505c\u6b62\u5de5\u4f5c 6 \u5230 18 \u4e2a\u6708\uff0c\u751a\u81f3\u66f4\u957f\u65f6\u95f4\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. &nbsp;<strong>\u6536\u5165\u66ff\u4ee3\uff1a<\/strong> \u5728\u60a8\u63a5\u53d7\u5316\u7597\u671f\u95f4\uff0c\u8c01\u6765\u652f\u4ed8\u60a8\u6bcf\u6708RM 3,000\u7684\u623f\u8d37\uff1f\u60a8\u7684\u533b\u836f\u5361\u4e0d\u4f1a\u3002\u6765\u81ea TMCC \u8ba1\u5212\u7684\u73b0\u91d1\u5c06\u6210\u4e3a\u60a8\u7684\u201c\u85aa\u8d44\u66ff\u4ee3\u201d\u3002 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. &nbsp;<strong>\u9690\u85cf\u6210\u672c:<\/strong> \u4f20\u7edf\u7684\u533b\u836f\u5361\u4e0d\u652f\u4ed8\u6602\u8d35\u7684\u8425\u517b\u8865\u5145\u5242\u3001\u66ff\u4ee3\u6574\u4f53\u7597\u6cd5\u3001\u5728\u5bb6\u91cc\u96c7\u4f63\u79c1\u4eba\u62a4\u58eb\u6216\u524d\u5f80\u4e13\u79d1\u4e2d\u5fc3\u7684\u4ea4\u901a\u8d39\u7528\u3002\u4e00\u7b14\u8fc7\u7684\u91cd\u75be\u7406\u8d54\u91d1\u6db5\u76d6\u4e86\u6240\u6709\u8fd9\u4e9b\u3002 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. &nbsp;<strong>\u5c0a\u4e25\u4e0e\u51cf\u538b:<\/strong> \u5bf9\u6297\u4e25\u91cd\u7684\u75be\u75c5\u4ee4\u4eba\u7cbe\u75b2\u529b\u7aed\u3002\u8d22\u52a1\u538b\u529b\u4f1a\u4e25\u91cd\u524a\u5f31\u514d\u75ab\u7cfb\u7edf\u3002\u6709\u51e0\u5341\u4e07\u4ee4\u5409\u76f4\u63a5\u5b58\u5165\u60a8\u7684\u94f6\u884c\u8d26\u6237\uff0c\u80fd\u7ed9\u60a8\u5e26\u6765\u7ec8\u6781\u7684\u5b89\u5fc3\uff0c\u8ba9\u60a8 100% \u4e13\u6ce8\u4e8e\u5eb7\u590d\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"516\" height=\"749\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-15.png\" alt=\"\" class=\"wp-image-472\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-15.png 516w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-15-207x300.png 207w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-15-8x12.png 8w\" sizes=\"auto, (max-width: 516px) 100vw, 516px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u7ec8\u6781\u5b89\u5168\u7f51\uff1a\u4e3a\u4ec0\u4e48\u662f400%\u591a\u91cd\u7406\u8d54\uff1f <\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"625\" height=\"569\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-16.png\" alt=\"\" class=\"wp-image-473\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-16.png 625w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-16-300x273.png 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/05\/image-16-13x12.png 13w\" sizes=\"auto, (max-width: 625px) 100vw, 625px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u540e\uff0c\u6218\u80dc\u4e86\u91cd\u75be\u5e76\u4e0d\u610f\u5473\u7740\u98ce\u9669\u5c31\u7ed3\u675f\u4e86\u3002\u7edf\u8ba1\u6570\u636e\u663e\u793a\uff0c\u764c\u75c7\u5e78\u5b58\u8005\u5728\u51e0\u5e74\u540e\u6781\u6613\u51fa\u73b0\u7ee7\u53d1\u6027\u5065\u5eb7\u95ee\u9898\uff08\u5982\u5fc3\u810f\u75c5\u53d1\u4f5c\u6216\u4e2d\u98ce\uff09\uff0c\u56e0\u4e3a\u6cbb\u7597\u4f1a\u5bf9\u8eab\u4f53\u9020\u6210\u635f\u5bb3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0e <strong>\u4fdd\u8bda TMCC 160 \u79cd\u75be\u75c5<\/strong> \u4fdd\u969c\u4e0d\u540c\uff0c\u65e7\u4fdd\u5355\u5728\u652f\u4ed8100%\u8d54\u4ed8\u540e\u7acb\u5373\u7ec8\u6b62\u3002\u5982\u679c\u60a8\u518d\u6b21\u751f\u75c5\uff0c\u60a8\u5c06\u6ca1\u6709\u4efb\u4f55\u4fdd\u969c\uff0c\u5e76\u4e14\u6c38\u8fdc\u65e0\u6cd5\u518d\u6b21\u8d2d\u4e70\u4fdd\u9669\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9 <strong>\u4fdd\u8bda TMCC 160 \u79cd\u75be\u75c5<\/strong> \u8ba1\u5212\u7684\u8bbe\u8ba1\u4e0e\u4f17\u4e0d\u540c\u3002\u5b83\u63d0\u4f9b <mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\"><strong>\u9ad8\u8fbe\u57fa\u672c\u4fdd\u989d 400% \u7684\u603b\u7406\u8d54\u6c60\u3002<\/strong>.<\/mark><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u662f\u8fd9 400% \u7684\u786e\u5207\u8fd0\u4f5c\u65b9\u5f0f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e0d\u540c\u75be\u75c5\u7c7b\u522b:<\/strong> \u60a8\u53ef\u4ee5\u4e3a\u4e25\u91cd\u7684\u764c\u75c7\u7d22\u8d54 100%\u3002\u51e0\u5e74\u540e\uff0c\u5982\u679c\u60a8\u60a3\u4e0a\u4e25\u91cd\u4e2d\u98ce\uff0c\u60a8\u53ef\u4ee5\u4ece\u53e6\u4e00\u4e2a\u7c7b\u522b\u4e2d <em>*\u518d*<\/em> \u7d22\u8d54 100%\u3002 <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u764c\u75c7\u590d\u53d1:<\/strong> \u5bf9\u4e8e\u50cf\u764c\u75c7\u8fd9\u6837\u7684\u4e3b\u8981\u6740\u624b\uff0c\u8be5\u8ba1\u5212\u5141\u8bb8\u540e\u7eed\u7406\u8d54\u3002\u5982\u679c\u60a8\u7684\u764c\u75c7\u5728\u7f13\u89e3\u540e\u590d\u53d1\uff0c\u60a8\u53ef\u4ee5\u518d\u6b21\u7d22\u8d54\uff0c\u8fdb\u4e00\u6b65\u52a8\u7528\u90a3 400% \u7684\u8d44\u91d1\u6c60\u3002<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7d2f\u79ef\u65e9\u671f\u7406\u8d54:<\/strong> \u60a8\u53ef\u4ee5\u5728\u4e00\u751f\u4e2d\u4e3a\u4e0d\u540c\u7684\u65e9\u671f\u75be\u75c5\u8fdb\u884c\u591a\u6b21 50% \u7684\u7406\u8d54\uff0c\u9010\u6e10\u4f7f\u7528 400% \u7684\u9650\u989d\uff0c\u800c\u4e0d\u4f1a\u4e00\u6b21\u6027\u5931\u53bb\u6240\u6709\u7684\u5b89\u5168\u7f51\u3002 <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u800c\u8a00\u4e4b\uff0c\u4e00\u4efd RM20\u4e07\u7684\u4fdd\u5355\u5b9e\u9645\u4e0a\u4e3a\u60a8\u63d0\u4f9b\u4e86 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