2026 Edition

Before You Buy or Review Medical Insurance...

Read This First!

在购买或检视医疗保险前，请先读读这本书。

A neutral, feature-based guide to help Malaysians compare medical insurance clearly — without pressure or bias.
一份中立、基于功能的指南，帮助马来西亚人清晰地比较医疗保险——没有压力，没有偏见。

Medical Insurance Made Simple Ebook Cover
Get the Guide - RM39 Only

Medical insurance is important.
But for many, it’s confusing.

医疗保险很重要，但对许多人来说，它也很让人困惑。

Different agents explain things differently. Brochures highlight different benefits. And most people don’t know what they should actually be comparing.

❌ The Pressure

Feeling pressured when agents represent only one company.
面对只代表一家公司的代理时感到压力。

❌ The Confusion

Don’t know what features really matter in a medical policy.
不知道医疗保单中哪些功能真正重要。

❌ The Doubt

Struggle to compare plans fairly and buy coverage you don't fully understand.
难以公平比较计划，买了一知半解的保障。

This ebook helps you make sense of it.
Calmly, clearly, and objectively.

这本书帮你理清头绪——冷静、清晰、客观。

This is NOT a sales pitch.

This ebook does not recommend any specific products. Instead, it gives you a clear framework to make your own decisions.

这不是推销。本书不推荐任何特定产品，而是给你一个清晰的框架，让你自己做决定。

Insurers are not named directly. Plans are discussed using a feature-based approach (Blue, Green, Red) to maintain balance and objectivity.
不直接点名保险公司。通过基于功能的方法（蓝、绿、红）讨论计划，以保持平衡和客观。


I Want Clarity / 我想要搞懂保险

What You’ll Learn

你将学到什么
  • How medical insurance works in simple terms
    用简单的语言了解医疗保险如何运作
  • The key features you must always compare
    无论什么品牌，你都必须比较的关键功能
  • Common misunderstandings
    导致错误决策的常见误解
  • How to review your existing insurance
    如何客观地检视你现有的医疗保险
  • Planning for 2026 and beyond
    如何为2026年及未来规划你的医疗保障

Who This Ebook Is For

✅ Individuals reviewing current insurance
正在检视现有保险的个人

✅ First-time buyers who want to understand
想要在购买前先了解的首购族

✅ Anyone who wants clarity before speaking to an agent
在见代理前想要理清思路的人

No prior insurance knowledge is required.

What You’ll Get

购买后你将收到：

1. Main Ebook (PDF)

60+ pages. A complete, structured guide to understanding and comparing medical insurance in Malaysia.

完整指南：60多页的结构化指南，教你理解和比较马来西亚的医疗保险。

2. Bonus: Review Checklist

A printable, ready-to-use checklist to review policies, identify gaps, and plan next steps.

附送：可打印的保险检视清单，帮你找出保障缺口并规划下一步。

About the Author

Andrew Stephen Lau is an insurance and takaful practitioner and educator based in Malaysia.

He focuses on consumer education, helping individuals better understand medical insurance, policy features, and long-term protection planning.
Andrew 专注于消费者教育，帮助个人更好地理解医疗保险、保单功能和长期保障规划。

Frequently Asked Questions

Do you recommend any specific insurance company?

No. This ebook focuses on features and frameworks, not brands. 不。本书专注于功能和框架，而非品牌。

Is this suitable if I already have medical insurance?

Yes. Many readers use it to review and improve their existing coverage. 是的。许多读者用它来检视和改善现有的保障。

Is this ebook too technical?

No. It’s written for everyday Malaysians, with simple explanations. 不。这是为普通马来西亚人写的，解释通俗易懂。

Make Informed Decisions with Confidence

带着信心做出明智的决定

Before making any medical insurance decision that could cost thousands over time, this is a small investment in understanding.

RM 39

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