保险预算不是额外的开销，而是收入的一部分。用合理的预算建立健康的安全网，先接住家庭支柱，全家才能高枕无忧。
An insurance budget isn't extra spending — it's a portion of income set aside on purpose. Secure the breadwinners first so the whole family holds strong.
保险不是买得越多越好，而是要精准匹配家庭收入与风险承受力。即刻预算，马上执行。 Insurance isn't about buying the most, but matching your family's income and risks precisely. Plan now and execute immediately.
父母是全家的收入来源。若经济支柱因病倒下或残废，整个家庭的收入将中断。因此必须优先做足大人的医疗、重疾与永久完全残废（TPD）保障。
Parents generate the income. If a breadwinner falls ill or suffers TPD, income stops. Prioritize adults' medical, critical illness, and TPD protection first.
许多人在面对高额医疗账单或房屋贷款风险时，才遗憾没有提前配置保单。通过科学工具厘清每月可负担预算，并在健康时立刻执行配置。
Many regret lacking coverage only when facing massive medical bills. Use logic and budget tools to find your comfortable margin and act while healthy.
许多家长以为孩子过了幼年期风险就降低，但数据显示 13-19 岁是意外残疾与青年高发重疾的剧增期：大马交通部数据表明，16-20岁是严重车祸（摩托车/脚车）高发人群；此外，骨癌、淋巴瘤、红斑狼疮（SLE）与1型糖尿病在青春期确诊率攀升。青少年尚未进入社会、无 SOCSO 保障，一旦发生意外残疾（TPD）将给父母带来数十年沉重护理负担。建议加高高额意外残疾险（PA）与青少重疾保额。
Data shows ages 13-19 face spikes in traffic accidental disability and youth critical illnesses (bone cancers, SLE, lymphoma). Unemployed teens lack SOCSO coverage — an accidental TPD creates decades of financial dependency. Boost Personal Accident (PA) and Critical Illness (CI) coverage for teens.
家庭收入的源头。配置重点在于防止收入因重疾或意外完全中断，并保障昂贵的住院开支、房屋贷款风险 (MRTA/MLTA) 及企业关键人物保障 (Keyman Insurance)。
The source of family income. Focus on income protection against CI/TPD, medical bills, mortgage protection (MRTA/MLTA), and Keyman Insurance.
大人保障搭建完毕后，再为孩子补充医疗、意外与教育储蓄。若有 13-19 岁青少年，加购意外残疾防护或美满三代保单 (GGC)。
Once parents are covered, add child protection. For teens 13-19, include Personal Accident & TPD or Great Generation Care (GGC).
输入月收入与家庭成员，支持自由滑动拉配大人与小孩的保费占有比例，自动即时计算！ Input income and family details, with dynamic sliders to freely customize adult vs child budget splits!
把试算结果一键发送给代理戴谚晖，获取精准保单配置规划：
Send this calculation to agent Tai Yen Fei for a tailored plan review:
📲 发送预算结果给代理咨询 📲 Send Calculation to Agent由戴谚晖开发的实用理财与保费工具，协助您精准核算每一项保障与后顾之忧。 Utilities developed by Tai Yen Fei to help calculate protection costs accurately.
汇集所有在线保费计算器、MRTA/MLTA房贷保障、企业Keyman及财务工具的统一入口。The master entrance for all online insurance and estate calculators.
前往工具站 →Explore Hub →人寿重疾残疾全保可拿回钱 · 免费保孩子！试算三代资产传承与全方位保障。Life, CI & TPD full cover with money back · Free coverage for child! Calculate 3-generation plan.
立即计算 GGC 保费 →Calculate GGC Plan →不附加复杂投资成分，用最实惠的价格买到纯粹住院医疗保障。Calculate pure medical card protection premiums without expensive investment add-ons.
试算医药卡 →Calculate Premium →估算身后由 Amanah Raya 管理遗产的具体行政费用与遗嘱规划。Calculate estate administration fees when managed by Amanah Raya.
遗产费试算 →Calculate Fee →涵盖个人、家庭、企业及资产传承的完整服务范围： Full spectrum solutions for individuals, families, businesses and estates:
公司团体住院医疗卡及人寿保障，提升企业吸引力与员工粘性。Group medical cards and life insurance for enterprise team protection.
保障企业核心合伙人与关键技术人才，抵御突发风险对公司的财务冲击。Protect key executives and partners to safeguard company cash flow.
规划黄金退休期的免税被动收入、医疗基金与老龄长期护理准备。Tax-efficient passive income, medical savings, and long-term care plans.
万一因重疾或残疾（TPD）失去工作能力，确保家庭生活费不断供。Ensure family financial stability if illness or disability halts earnings.
从怀孕期至孩童成长的全方位医疗、重疾与先天性疾病防护。Maternal protection from pregnancy through child growth.
包含 SmartWill 遗嘱、RHB Trustee 信托服务，防止资产冻结与家庭纠纷。SmartWill & RHB Trustee solutions to prevent asset freeze.
试算 Amanah Raya 遗产行政费，确保三代财富无缝顺利交接。Seamless 3-generation wealth transfer and legacy preservation.
保护企业与专业人士免受第三方法律诉讼与高额赔偿风险。Protect business owners against third-party legal liabilities.
人受保房还在！相比 MRTA 更具弹性，断供危机下保住全家住所。Flexible mortgage protection insurance to secure the family home.
车险、房屋火灾险、商业财产险及出国外游全程安全防护。Comprehensive motor, fire, property, and global travel insurance.
大东方人寿保险代理 · (ARFP - MFPC) · 遗嘱规划师 Great Eastern Life Assurance Agent · ARFP (MFPC) · Will Planner
30年IT行业经验，因母亲患阿尔茨海默病（老年痴呆症）成功申请长期护理与TPD理赔的切身体会加入保险业。专注为专业人士及企业主提供全方位资产保障、家庭医疗防护与遗嘱信托规划。
30 years of IT experience. Joined the insurance industry after navigating long-term care and TPD claims for his mother with Alzheimer's. Specialized in providing comprehensive asset protection, family medical coverage, and will/trust planning for professionals and business owners.
服务领域：企业关键人险 & 员工福利 | 家庭/妇幼/房贷保险 | 退休与遗产规划
Services: Keyman Insurance & Employee Benefits | Family/Child/Mortgage Protection | Retirement & Legacy Planning
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