Under Financial Services Act 2013, every Malaysian life policy carries PIDM protection up to RM 500,000 per insurer per insured. We write personal pure-protection (term), savings (endowment / participating), and BNM-compliant investment-linked (ILP) plans — with the 2024 health-insurance co-payment rule explained upfront. 根据 2013 年金融服务法令（FSA），每张马来西亚人寿保单受 PIDM 保障，每家承保人每位被保人最高 RM 500,000。我们承做个人定期险、储蓄分红险，以及符合 BNM 规范的投资连结险（ILP）— 并把 2024 年医疗险共付比制度（co-payment）讲在前面。 Di bawah Akta Perkhidmatan Kewangan 2013, setiap polisi nyawa Malaysia membawa perlindungan PIDM sehingga RM 500,000 setiap penanggung insurans bagi setiap diinsuranskan. Kami tulis perlindungan tulen peribadi (bertempoh), simpanan (endowmen / sertaan), dan pelan berkaitan pelaburan (ILP) yang patuh-BNM — dengan peraturan co-payment insurans kesihatan 2024 dijelaskan dari awal.
A policy is a contract first, an investment second. Decide the job before the brand. 保单首先是合同，其次才是投资。先想清楚要解决什么，再谈品牌。 Polisi adalah kontrak dahulu, pelaburan kemudian. Tentukan tugasnya sebelum jenama.
BNM's minimum-allocation rule (effective 2019) forces every Malaysian ILP to disclose the split between unit-allocation and insurance / wakalah charges, year by year. Below is the published schedule for a regular-premium ILP; we show you yours line-by-line before you sign. BNM 自 2019 年起，强制每张 ILP 逐年披露「单位分配」与「保险 / wakalah 费用」的分摊。下表为典型分期保费 ILP 的公开比例 — 签约前我们会把你的那一份逐条展示。 Aturan BNM ILP (2019) — peruntukan unit vs caj.
Green = into your unit account · Copper = insurance & wakalah charges. Industry norm; AmMetLife schedule confirmed at policy issue.绿 = 进入你的基金账户 · 铜 = 保险与 wakalah 费用。行业惯例，AmMetLife 实际比例以保单签发时为准。Hijau = unit anda · Tembaga = caj.
If you surrender in the first 3 years, you absorb the front-loaded charges. The break-even point on a standard ILP is typically year 8–12. If your time horizon is shorter than 5 years, term + a separate unit trust is almost always better. We will tell you so on first call.头 3 年退保几乎一定亏损（前置费用未摊回）。一般 ILP 损益平衡点在 第 8–12 年。若你的时间窗短于 5 年，定期险 + 单独信托基金几乎总是更优。我们首次通话就会直说。Surrender 3 tahun pertama = rugi. Break-even biasanya tahun 8–12.
From September 2024, BNM requires every insurer and takaful operator to offer medical & health (MHIT / MHIC) products with a co-payment feature — minimum 5% co-insurance or an RM 500 deductible. Full-cover plans can still be sold alongside, and existing policies are grandfathered. BNM's interim cost-relief measures run until end-2026, after which the RESET reforms (base medical product, diagnosis-based payments) take over. 自 2024 年 9 月起，BNM 要求每家保险与回教保险公司必须提供含「共付」机制的医疗产品（最低 5% 共保或 RM 500 自付额）——全额保障产品仍可并行销售，旧保单不受影响。BNM 过渡纾缓措施实施至 2026 年底，之后由 RESET 改革（标准化基础医疗产品、按诊断付费）接棒。 Sejak Sep 2024, setiap penanggung wajib menawarkan produk MHIT / MHIC dengan ciri co-payment (min. 5% atau deduktibel RM 500). Polisi sedia ada dikecualikan; langkah interim BNM sehingga hujung 2026.
| Element要素Elemen | Pre-20242024 前Pra-2024 | From Sep 20242024 年 9 月起Dari Sep 2024 |
|---|---|---|
| Co-pay choice共付选择Pilihan | Optional / rare可选 / 罕见Pilihan | min 5% · RM 500 ded. |
| Annual cap on out-of-pocket自付年度上限Had tahunan | — | RM 500 – 8,000 |
| Premium effect保费影响Kesan premium | — | -10% to -25% |
| Day surgery exemption日间手术豁免Pembedahan harian | — | EXEMPT |
We don't sell a number — we calculate it. The income-replacement method below is the same one we walk through on the first call, so you can sanity-check any agent's recommendation.我们不卖一个数字 — 我们算出它。下面的「收入替代法」就是我们首次通话会带你走一遍的，方便你核对任何代理的建议。Kami tidak jual nombor \u2014 kami kira. Kaedah penggantian pendapatan di bawah ialah yang sama kami terangkan pada panggilan pertama, supaya anda boleh semak cadangan mana-mana ejen.
| Worked example · 38 y.o. Skudai breadwinner案例 · 38 岁士姑来家庭支柱Contoh · 38 thn, pencari rezeki Skudai | RM |
|---|---|
| Income replacement (RM 7k/mo × 12 × 10 yrs)收入替代（月 7k × 12 × 10 年）Penggantian pendapatan | 840,000 |
| Outstanding mortgage未偿房贷Baki gadai janji | 380,000 |
| Children's education fund子女教育金Dana pendidikan anak | 200,000 |
| Final expenses + buffer身后费用 + 缓冲Perbelanjaan akhir + penampan | 50,000 |
| Less: existing EPF + savings减：现有 EPF + 储蓄Tolak: EPF + simpanan | (220,000) |
| Cover gap to insure需投保的保障缺口Jurang perlindungan | 1,250,000 |
Bring your annual statement. We will walk through the BNM allocation, charges, fund performance, and tell you honestly whether to keep, pause or replace. 带上年度对账单。我们会逐项过 BNM 分配、费用、基金表现，诚实告诉你该续、暂停，还是更换。 Bawa penyata tahunan — kami semak peruntukan BNM & prestasi dana.