马来西亚每3分钟就有一人确诊癌症。私立医院费用已超出大多数家庭的承担范围。正确的 Prudential 保障方案，从现在开始守护你和家人。
In Malaysia, someone gets diagnosed with cancer every 3 minutes. Private hospital costs exceed most families' ability to pay. The right Prudential plan protects you and your family starting today.
这些不是假设——每一个风险，每天都在雪隆区真实发生。
These aren't hypotheticals. Every risk happens across Klang Valley every single day.
KL私立医院单次住院动辄 RM 20,000 起。癌症化疗疗程高达 RM 200,000–500,000。你的 EPF 和储蓄，撑得住吗？
A single admission at a KL private hospital easily hits RM 20,000+. Cancer chemo cycles can reach RM 500,000. Can your EPF and savings really cover that?
房贷、学费、日常开销——如果你明天无法工作，谁来承担？大多数人只在这一刻才意识到保险的真正价值。
Mortgage, school fees, daily expenses — if you can't work tomorrow, who provides? Most people only realise the value of insurance when it's already too late.
公司团险有上限（通常只有 RM 30,000–100,000）。旧保单保额多年未更新。在医疗通胀下，保障缺口比你想象的大。
Company group insurance has low caps (usually RM 30,000–100,000). Old policies haven't been updated. Under medical inflation, your gap is bigger than you think.
Prudential 旗舰 ILP（投资联结保险），2025年最新版本。灵活附加医疗、重症、意外险附加险。保额每年自动增加1%（最高至基本保额的50%），保障延伸至100岁，孩子从出生至7岁自动受保。
Prudential's flagship ILP (Investment-Linked Plan), enhanced in 2025. Flexible riders for medical, critical illness, and accident. Sum assured auto-increases 1% yearly (up to 50% of BSA), coverage extends to age 100, children automatically covered from birth to age 7.
PRULive Well 专注健康保障，为你提供全面的健康保障支援。确诊即获赔付，现金可自由用于医疗费、生活费、家人开销——不受限制。具体保障范围及保费请通过免费咨询获取详情。
PRULive Well focuses on health protection, providing comprehensive coverage support. Lump sum payout upon diagnosis — use it freely for medical costs, daily expenses, or family needs. Contact us for specific coverage details and personalised premium quotes.
如果你的首要目标是为家人提供最大额的人寿保障，PRUTerm 是最具性价比的选择。以较低的保费锁定高保额，保障期限灵活。可附加重症、意外或医疗险以强化保障。
If your priority is maximum life coverage for your family at the lowest cost, PRUTerm is your best bet. Lock in a high sum assured at an affordable premium with flexible term options. Add CI, accident, or medical riders to build comprehensive coverage.
Prudential 重症保障方案可覆盖多达 190 种重大疾病——癌症、心脏病、中风、肾衰竭等。存活期仅 7 天后即可申请理赔，获得一笔现金自由使用。
Prudential CI plans cover up to 190 serious conditions — cancer, heart attack, stroke, kidney failure and more. After a 7-day survival period from diagnosis, you receive a lump sum to use freely.
理赔时，我作为你的顾问会全程协助准备文件、跟进进度，确保你不必独自应对繁琐手续。Prudential 已大幅简化理赔流程。
When you need to claim, I'll assist with every document and follow up throughout — so you never face the process alone. Prudential has greatly simplified its claims procedures.
月付、季付、年付均可，支持0%信用卡分期。根据 LHDN 规定，寿险保费每年可申请最高 RM 3,000 所得税减免——保障自己同时省税。
Monthly, quarterly, or annual payment with 0% credit card instalment. Per LHDN, life insurance premiums qualify for up to RM 3,000 annual income tax relief — protect yourself while reducing tax.
本地顾问驻守雪隆，提供面对面、WhatsApp 或 Zoom 咨询，全程中英文服务。投保后持续服务——每年保障审查，不只是卖保险。
Local advisor across Klang Valley for face-to-face, WhatsApp, or Zoom. Full bilingual service. Ongoing post-policy support including annual reviews — relationship, not just a transaction.
* 以上见证为真实客户分享，已获本人同意发布。姓名以化名处理以保护隐私。
* Testimonials are real client accounts shared with permission. Names are pseudonyms to protect privacy.
实际保费因年龄、健康状况及保额选择而异。免费咨询后获取你的专属报价——无销售压力。
Actual premiums vary by age, health, and sum assured. Free consultation provides your personalised quote — zero sales pressure.
保费因人而异 — 年龄、健康状况均影响保费。免费咨询后获取精准报价。
Premium is personalised — age and health affect your rate. Get an exact quote via free consultation.
保费因人而异 — 年龄、保额、附加险选择均影响保费。免费咨询获取专属报价。
Premium is personalised — age, sum assured, and rider choices affect your rate. Free consultation for exact quote.
保费因人而异 — 免费咨询后获取你的专属报价。
Premium is personalised — free consultation for exact quote.
* 以上为产品概述。实际保障范围、条款、除外事项及保费以 Prudential Assurance Malaysia Berhad (PAMB) 官方保单文件为准。建议投保前参阅产品披露表 (PDS) 及销售说明书。
* Above is a product overview only. Actual coverage, terms, exclusions, and premiums are as defined in the official Prudential Assurance Malaysia Berhad (PAMB) policy documents. Please refer to the Product Disclosure Sheet (PDS) and Sales Illustration before purchase.
留下联系资料，我会在1个工作日内主动联系你，安排免费的 Prudential 保障评估。无销售压力，只有真实的建议。
Leave your details and I'll contact you within 1 business day to schedule a free Prudential protection review. Zero sales pressure — just honest advice.
填写以下资料，我会主动联系你。
Fill in your details and I'll reach out to you.
或直接 WhatsApp 017-787 0858 联系我 · 周一–六 9am–7pm · 个人资料受 PDPA 保护
Or directly WhatsApp 017-787 0858 · Mon–Sat 9am–7pm · Personal data protected under PDPA
通常在1个工作日内回复。
如需即时咨询，请 WhatsApp 017-787 0858
Usually within 1 business day.
For immediate help: WhatsApp 017-787 0858
有其他问题？随时通过 WhatsApp 联系我，我会在一个工作日内亲自回复。
More questions? WhatsApp me anytime — personal reply within one business day.
WhatsApp: 017-787 0858WhatsApp: 017-787 0858每推迟一天，就是多一天让家人暴露在风险中。预约免费 Prudential 保障评估——无需购买义务，只需了解你真实的保障状况。
Every day you delay is another day your family is exposed. Book a free Prudential protection review — zero purchase obligation, just honest clarity on your coverage.
距本月促销结束时间 · 咨询后可享首年保费优惠Until this month's offer ends · Special first-year discount after review