OAD 长照规划 (AI Edition) | CEO Advisory

在马来西亚，99% 的保险In Malaysia, 99% of insurance

只 COVER TPD 到 65 岁，却没有 COVER 65 后的 OAD。only covers TPD up to age 65 — not OAD after 65.

在香港、台湾、日本和美国，OAD 保障早已是长期理财规划的标准部分。马来西亚正在迎头赶上。In Hong Kong, Taiwan, Japan and the US, OAD coverage is already a standard part of long-term financial planning. Malaysia is catching up.

大马保险市场的缺口The Gap in Malaysia's Insurance Market

TPD vs OAD：什么是真正的差别？TPD vs OAD — What's the Difference?

TPD

终身全残Total Permanent Disability

保障终止在 65 岁。65 岁之后无论发生什么，都不再理赔。Coverage ends at age 65. After that, nothing is paid out — no matter what happens.

保障正好终止在残疾风险开始急剧上升的年纪。Coverage ends at age 65 — exactly when statistical risk of disability begins to rise sharply.

解决方案 SOLUTIONSOLUTION

OAD

老年行动不便Old Age Disability

保障在 65 岁后继续生效 — 一直照顾到您最需要保障的晚年。Coverage continues after age 65 — protecting you through the years you need it most.

OAD 保障在 65 岁后继续生效 — 正好在残疾风险最高的时候保护您。OAD coverage continues after age 65 — protecting you exactly when the risk of disability is highest.

OAD 老年行动不便OAD · Old Age Disability

OAD 的定义是什么？What is OAD?

指一个人在 65 岁后，因意外或疾病导致 生活不能自理。The inability to perform daily activities due to aging, accidents, or illness after age 65.

如以下 6 项日常活动 ↓Such as the 6 Activities of Daily Living ↓

OAD 理赔触发条件OAD Claim Trigger

无法进行 6 项日常活动中至少三项，将获得 OAD 赔偿If you cannot perform 3 out of 6 ADLs, you may qualify for OAD benefits

日常活动（ADLs）是衡量一个人能否自理的国际通用标准。ADLs (Activities of Daily Living) are the international standard for measuring whether a person can still care for themselves.

Bathing 洗澡 — an Activity of Daily Living — Bathing洗澡

Continence 如厕 — an Activity of Daily Living — Continence如厕

Dressing 穿衣 — an Activity of Daily Living — Dressing穿衣

Eating 进食 — an Activity of Daily Living — Eating进食

Mobility 走动 — an Activity of Daily Living — Mobility走动

Transfer 移动 — an Activity of Daily Living — Transfer移动

当一个人 持续 6 个月 做不到 ADL's 的其中三项，并由指定的 2 位 Medical Practitioners certify，就可以 claim 出一笔保险金。When a person is unable to perform 3 of the ADLs for 6 continuous months, certified by 2 designated medical practitioners, they can claim a lump-sum insurance benefit.

解决方案The Solution

OAD 长照险OAD Long-Term Care Insurance

清晰、经认证的理赔触发条件 — 以下正是一笔 OAD 长照保险金的解锁方式。A clear, certified claim trigger — here is exactly how an OAD long-term-care payout is unlocked.

1

持续 6 个月做不到 3 项 ADLUnable to perform 3 of the 6 ADLs for 6 continuous months

2

2 位指定医生认证Certified by 2 designated medical practitioners

3

CLAIM 一笔保险金Claim a lump-sum insurance benefit for long-term care

在 6 个连续月内符合 6 项 ADL 中的 3 项，并经 2 位指定医生认证，即可申领这笔长照保险金。If you meet 3 out of 6 ADL criteria for 6 continuous months and are certified by 2 designated medical practitioners, you can claim the insurance benefits.

选择的权利The Power of Choice

「孩子，爸妈老了不想成为你的包袱……」“My child, I never want to become a burden to you when I grow old…”

提早锁住这笔 OAD 长照险。让保险金来买单我们的尊严，别让你辛辛苦苦打拼的事业、存下的积蓄和梦想，因为照顾我们而被迫按下了暂停键。Secure the OAD insurance payout that funds your dignity, so your children never have to auction off their careers, savings, or dreams just to take care of you.

A modern premium nursing centre — bright, spacious communal lounge and dining area

高端专业疗养中心Premium Nursing Centre

入住您喜欢的专业疗养院，由保险金支付顶级照护。Move into a professional nursing home of your choice — top-tier care, funded by your payout.

A multigenerational family enjoying time together — the freedom of being cared for at home

居家私人护理Private Care at Home

聘请专业护理师来家里照顾，让长辈在熟悉的家中安心养老。Hire a professional nurse to care for your elder at home — stay home with dignity and professional support.

我国长照的费用惊人The Staggering Cost of Long-Term Care in Malaysia

聘请私人护理师或入住疗养中心是 很烧钱的。目前平均费用约 RM 7,000/月。随着通货膨胀，未来 10 年极易突破百万。

Hiring a private nurse or staying in a nursing centre is very expensive — averaging about RM 7,000/month today. With inflation, the next 10 years could easily push past RM 1 million.

*基于当前平均 RM 7,000/月，并假设每年约 5% 的医疗通胀率计算。*Based on the current average of RM 7,000/month with ~5% annual medical inflation.

📊 计算您的潜在长照费用📊 Calculate Your Potential Long-Term Care Costs

预计需要被照顾的年数Estimated Years of Care Needed: 5 年

↔️ 拖动滑块调整年数Drag the slider to adjust

151015

预计总花费：Estimated Total Cost:

RM 464,153

包含基础通胀预估

⚠️ AWARENESS

多数大马家庭的三个误区Three Common Misconceptions of Most Malaysian Families

💳

误区一MISCONCEPTION 1

医药卡包到完不是咩？“My medical card covers everything, right?”

医药卡只承保住院期间。出院之后的长期护理、私人护士、疗养院费用，完全不理赔。Your medical card only covers the hospital stay — long-term care, private nursing and nursing-home costs after discharge are not covered.

⏳

误区二MISCONCEPTION 2

我还年轻健康，以后再谈！“I'm still young and healthy, I'll think about it later.”

等到不健康时再想，就已经太迟了。健康是入场券，不健康就买不到保障了。Waiting until you're unhealthy is already too late — good health is your ticket in; once it's gone, coverage is no longer available.

💰

误区三MISCONCEPTION 3

护理中心应该不会很贵吧！“Nursing homes aren't that expensive, right!”

大马长照的真实代价The Hard Reality of Care Costs

合格、中价位专业护理中心：A qualified, mid-tier nursing centre: RM 7,000 / 月 / mo · RM 84,000 / 年 / yr

这还没算未来医疗通胀 + 被照顾的年数。Excludes future inflation & total years of care.

✨ 60 秒 AI 风险评估 →✨ 60-Second AI Risk Assessment →

✨ AI POWERED · POWERED BY GEMINI

一键诊断您的 OAD 长照缺口Diagnose Your OAD Long-Term Care Gap in One Click

回答 4 道题，60 秒拿到针对您身体状况、当前保障、护理偏好的 AI 风险诊断 + 应对建议。Answer 4 questions in 60 seconds for an AI risk diagnosis + personalised recommendations based on your health, current coverage, and care preferences.

1. 您的当前年龄1. Your Age Group

2. 家族慢性病史2. Family Chronic-Illness History

3. 您目前拥有的保障3. Your Current Coverage

4. 偏好的老年护理模式4. Preferred Care Mode

🔓 填写联络方式，免费解锁您的专属 AI 诊断报告🔓 Enter your contact to unlock your free AI diagnosis report

提交即表示您同意 CEO Advisory 收到您填写的资料，并可通过 WhatsApp 跟进您的长照规划。By submitting, you agree CEO Advisory may receive your details and follow up via WhatsApp about your long-term-care planning.

客户真实见证Real Claims Paid

不是营销文案 — 是真实理赔记录Not marketing copy — real claims paid

由 CEO Advisory 团队经手的 Hong Leong Assurance 真实理赔个案。Real Hong Leong Assurance claim cases handled by the CEO Advisory team.

真实记录：守护的力量Real Records: The Power of Protection

CASE FILE: 01-2024 家庭经济支柱Primary Breadwinner

诊断：肝癌（39 岁）Diagnosis: Liver Cancer (Age 39)

保费豁免Premium WaivedRM 526,932

严重疾病赔偿CIR PayoutRM 800,000

总财务保障Total Financial Support RM 1,326,932

「他不再需要为账单而工作。他可以全身心专注于康复，同时家人的生活方式依然有保障。」“He no longer needs to work for bills. He can focus on recovery while his family's lifestyle remains secured.”

守护下一代Protecting the Next Generation

CASE FILE: 02-2024 重视孩子教育的父亲Education-focused father

诊断：肺癌（46 岁）Diagnosis: Lung Cancer (Age 46)

保费豁免Premium WaivedRM 400,000

保费豁免Premium WaivedRM 256,000

已守护的传承总额Total Legacy Secured RM 656,000

「父亲的健康倒下了，但他对孩子的承诺没有。他们的教育基金，如今由 HLA 100% 保障。」“The father's health failed, but his promise to his children didn't. Their education fund is now 100% guaranteed by HLA.”

所有个案均经 Hong Leong Assurance 理赔部门核实，为保护客户隐私已隐去身份信息。All cases verified by Hong Leong Assurance claim department. Identifying details redacted for client privacy.

🔥 守护超过 10,000 个家庭🔥 Protecting 10,000+ Families

认识守护超过 10,000 个家庭的夫妻档Meet The Couple Who Protected Over 10,000 Families

KokHow & Julia Hung 不只是保险顾问 — 而是一对拥有超过 40 年综合经验的夫妻档。KokHow & Julia Hung are more than just insurance advisors — a husband-and-wife team with over 40 combined years of experience.

KokHow

✦OAD 长照与传承规划专家OAD Long-Term Care & Legacy Planning Specialist
✦CEO Advisory 创始董事 · 营业经理Founding Director of CEO Advisory · Agency Manager
✦MDA 百万业绩组织 · AKARD 终身会员MMM Million Dollar Agency · AKARD Life Member

Julia Hung

✦OAD 长照与传承规划专家OAD Long-Term Care & Legacy Planning Specialist
✦销售与市场总监 · MDA 百万业绩业务员Sales & Marketing Director · Million Dollar Agent
✦AKARD 终身会员 · 3× TOT · 7× COT · 8× MDRT · IDA 10×AKARD Life Member · 3× TOT · 7× COT · 8× MDRT · IDA 10×

“因为我们也是一个家庭，所以我们更懂得您家庭未来的分量。Because we are a family, we understand the weight of your family's future.”

KokHow — OAD Long-Term Care & Legacy Planning Specialist — KokHow

Julia Hung — OAD Long-Term Care & Legacy Planning Specialist — Julia Hung

✅ 信任 · 合作 · 荣誉✅ Trust · Partnership · Excellence

信任 · 合作 · 荣誉Trust · Partnership · Excellence

个人荣誉 + 机构合作 — 皆可独立核实，皆历经 20+ 年积累。Personal credentials + institutional partnerships — both independently verifiable, both built over 20+ years.

🏆经核实的行业荣誉Verified Industry Recognition

七项可独立核实的荣誉 — Hong Leong Assurance、MDRT、IDA、Advisers 金冠奖、NAMLIFA 终身会员，以及长期服务表彰。Seven independently verifiable credentials — Hong Leong Assurance, MDRT, IDA, Adviser Crown Awards, NAMLIFA Life Member, and long-service recognition.

JULIA HUNG · MDRT 2027

MDRT — 第 5 个月达标MDRT — 5th-Month Qualifier

提前达标 MDRT 2027（第 5 个月达成）· 3× TOT · 7× COT · 8× MDRT · IDA 10×。Early-bird MDRT 2027 (achieved in the 5th month) · 3× TOT · 7× COT · 8× MDRT · IDA 10×.

KokHow HLA Million Dollar Agency Award FY2024/2025

KOKHOW · FY 2024/2025

HLA 百万圆桌团队 (MMM Club)HLA Million Dollar Agency (MMM Club)

首年保费 RM 150 万+ — 北马区卓越之冠。RM 1.5 Million+ FYP — Crown of Excellence, Northern Region.

HLA · 26 SEPTEMBER 2025

20 年专业服务20 Years of Dedicated Service

由 Hong Leong Assurance Berhad CEO 与 CDO 颁发。Awarded by Hong Leong Assurance Berhad CEO & CDO.

2024 · KUALA LUMPUR

第 22 届 Advisers 金冠奖22nd Advisers Crown Award

全国行业对顶尖顾问的高度认可。22nd Advisers Crown Award — national industry recognition for top-tier advisers.

HLA CEO Club / CEO Summit 2023 Award Winner

HLA · CEO SUMMIT 2023

HLA CEO 俱乐部会员HLA CEO Club Member

仅授予 Hong Leong Assurance 顶尖业务领袖。Reserved for Hong Leong Assurance's top distribution leaders.

NAMLIFA Life Member 2024 — Ng Kok Hou (KokHow), 13 years

NG KOK HOW · NAMLIFA 2024 · 13 YEARS

NAMLIFA 终身会员NAMLIFA Life Member

表彰 KokHow 13 年来持续卓越的成就。For KokHow's consistent distinguished achievement over 13 years.

NAMLIFA Life Member 2024 — Hung Siew Lim (Julia), 12 years

HUNG SIEW LIM · NAMLIFA 2024 · 12 YEARS

NAMLIFA 终身会员NAMLIFA Life Member

表彰 Julia 12 年来持续卓越的成就。For Julia's consistent distinguished achievement over 12 years.

🥇获奖时刻Award-Winning Moments

KokHow 与 Julia 屡获 Hong Leong Assurance 与业界重磅奖项 — 以下为部分颁奖实录。KokHow & Julia have repeatedly earned top Hong Leong Assurance and industry awards — a few of the live award moments below.

KokHow — Champion Rider Agency Manager award — 冠军骑士经理Champion Rider Manager

KokHow — Top 5 Agency Manager (4th Runner-Up) — 五强代理经理Top 5 Agency Manager

KokHow — Agency Manager, Group FYP RM 1,665,850 — 团队 FYP RM166 万Group FYP RM1.66M

Julia Hung — Champion Rider Producer award — 冠军骑士业务员Champion Rider Producer

Julia Hung — Million Dollar Agent RM 1,362,441 — 百万圆桌经纪Million Dollar Agent

TOT · COT · MDRT 2025 recognition gala — TOT · COT · MDRT 2025TOT · COT · MDRT 2025

Industry award ceremony — CEO Advisory — 行业颁奖典礼Industry Award Ceremony

Award trophy presentation — CEO Advisory — 奖杯颁发典礼Trophy Presentation

Julia Hung — Champion Case Producer, 789 Cases (HLA Night of Stars) — 冠军业务员 · 789 单Champion Producer · 789 Cases

Julia Hung — Champion Case Producer, 220.5 Cases (HLA Night of Stars) — 冠军业务员 · 220.5 单Champion Producer · 220.5 Cases

Julia Hung — Champion Top 5 Agency, FYP RM 1.28M (HLA Night of Stars) — 五强代理 · FYP 128 万Top 5 Agency · FYP RM1.28M

Julia Hung — Million Dollar Agent, HLA award stage — 百万圆桌代理Million Dollar Agent

Julia Hung on stage — HLA Night of Stars award gala — 群星之夜颁奖礼Night of Stars Gala

Julia Hung — Summit Club Convention Qualifier (Norway), Hong Leong Assurance — 挪威峰会俱乐部资格Norway Summit Club Qualifier

Qualified for the HLA 29th Summit — Auckland, New Zealand — 第 29 届奥克兰峰会29th Summit · Auckland NZ

CEO Advisory team — HLA overseas Summit Club convention — 海外峰会盛典Overseas Summit Convention

🤝战略合作网络Strategic Partnership Network

与全国各地的医院、医生、物理治疗中心、疗养院，以及新一代医疗专才长期合作。Long-term collaboration with hospitals, doctors, physiotherapy centres, nursing homes, and the next generation of healthcare professionals across the country.

🩺

预防保健Preventive Care

🏥

医疗保健Health Care

👨‍⚕️

疗养护理Nursing Care

🦴

物理治疗中心Physiotherapy

🎓

学术合作 / 实习Education / Internship

真实长期合作瞬间Partnership Moments

以下每张照片，都是 CEO Advisory 团队在过去 24 个月内亲身参与的真实合作活动。Every photo below is a real partnership event attended by the CEO Advisory team in the past 24 months.

Sunway Medical Centre Penang partnership — Sunway Medical Centre Penang

Gleneagles Hospital Penang × CEO Advisory Round Table — Gleneagles × CEO Advisory Round Table

Island Hospital Penang × Hong Leong Assurance — Island Hospital × HLA

Pantai Hospital Penang — 2023 Dinner with Business Partner — Pantai Hospital · Partner Dinner 2023

Northern Heart Hospital Penang — Official Opening 21 January 2025 — Northern Heart Hospital · Opening 2025

Loh Guan Lye Specialists Centre visit — Loh Guan Lye Specialists Centre

Bagan Specialist Centre visit — Bagan Specialist Centre

Penang Adventist Hospital — World Cancer Day 12 Ribbons Campaign — Penang Adventist · 12 Ribbons

Strategic Partnership with Perform Plus Physiotherapy Centre — Perform Plus · Physiotherapy

Strategic Partnership with MintyGreen Healthcare Group — MOU signing — MintyGreen Healthcare · MOU

Defolka Nursing Centre — OAD education talk by CEO Advisory — Defolka Nursing Centre · OAD Talk

Internship Programme with Taylor's University — Taylor's University · Internship

Northern Hospital Penang — CEO Advisory team partnership — Northern Hospital · Team

CEO Advisory partnership team gathering — CEO Advisory · Team Gathering

CEO Advisory community family day — Community · Family Day

CEO Advisory team — outdoor gathering — CEO Advisory · Outdoor Team

Internship Programme with Taylor's University — Hong Leong Assurance — Taylor's University · Internship Programme

✅ 我们的服务对象✅ Who We Serve

遍布全马 — 面谈或线上皆可。Across Malaysia — In Person or Online.

无论您身在大马何处 — 面谈或通过线上咨询 — CEO Advisory 专家都能为您的家庭服务，并连接可信赖的医疗网络。Wherever you are in Malaysia — in person or by digital consultation — the CEO Advisory specialists serve your family, connected to a trusted healthcare network.

🏥 医疗网络 · 35+ 家医院、专科中心与护理机构🏥 Healthcare Network · 35+ hospitals, specialist centres & care providers

历经 20+ 年建立的长期合作Long-term collaborations built over 20+ years

🏢 企业客户 · 跨国企业 + 大马知名品牌🏢 Corporate Clients · multinationals + Malaysian icons

这些企业的员工与家庭，正是 CEO Advisory 服务版图的缩影。Their employees and families are represented here as a snapshot of CEO Advisory's service base.

所有标志均为各自所有者的商标，在此仅作为顾问服务版图的缩影呈现，并不代表任何背书。Logos are trademarks of their respective owners and appear here solely as a snapshot of the agent's service base. Their inclusion does not imply endorsement.

为什么我们是您的最佳选择？Why Are We Your Best Choice?

对比项Criteria	其他机构Other Agencies	✅ CEO Advisory
OAD 专业知识OAD Expertise	❌ 很少或没有❌ Little or none	✅ 100% 专注 OAD 长照险✅ 100% focused on OAD LTC
经验年数Experience	❌ 可能少于 10 年❌ Often under 10 years	✅ 20+ 年实战经验✅ 20+ years in the field
服务家庭数Families served	❌ 数百或数千❌ Hundreds or thousands	✅ 超过 10,000 个家庭✅ Over 10,000 families
理赔处理Claims processing	❌ 慢，流程复杂❌ Slow, complex process	✅ 快速，高效，经验丰富✅ Fast, efficient, experienced
孤儿保单支援Orphan policies	❌ 通常没有❌ Usually none	✅ 持续支援，不让您孤单✅ Ongoing support, never alone
合作伙伴网络Partner network	❌ 有限❌ Limited	✅ 完整医疗 + 护理 + 预防✅ Full medical + care + prevention

我以为医药卡包到完，但现实狠狠打脸。 I thought my medical card covered it all —then reality hit hard.

TPD vs OAD：什么是真正的差别？TPD vs OAD — What's the Difference?

终身全残Total Permanent Disability

老年行动不便Old Age Disability

OAD 的定义是什么？What is OAD?

无法进行 6 项日常活动中至少三项，将获得 OAD 赔偿If you cannot perform 3 out of 6 ADLs, you may qualify for OAD benefits

OAD 长照险OAD Long-Term Care Insurance

持续 6 个月做不到 3 项 ADLUnable to perform 3 of the 6 ADLs for 6 continuous months

2 位指定医生认证Certified by 2 designated medical practitioners

CLAIM 一笔保险金Claim a lump-sum insurance benefit for long-term care

高端专业疗养中心Premium Nursing Centre

居家私人护理Private Care at Home

我国长照的费用惊人The Staggering Cost of Long-Term Care in Malaysia

📊 计算您的潜在长照费用📊 Calculate Your Potential Long-Term Care Costs

多数大马家庭的三个误区Three Common Misconceptions of Most Malaysian Families

医药卡包到完不是咩？“My medical card covers everything, right?”

我还年轻健康，以后再谈！“I'm still young and healthy, I'll think about it later.”

护理中心应该不会很贵吧！“Nursing homes aren't that expensive, right!”

一键诊断您的 OAD 长照缺口Diagnose Your OAD Long-Term Care Gap in One Click

不是营销文案 — 是真实理赔记录Not marketing copy — real claims paid

真实记录：守护的力量Real Records: The Power of Protection

守护下一代Protecting the Next Generation

守护您的传承Protecting Your Legacy

认识守护超过 10,000 个家庭的夫妻档Meet The Couple Who Protected Over 10,000 Families

KokHow

Julia Hung

HOW哥 分享的真实故事Real Stories, Shared by HOW哥

信任 · 合作 · 荣誉Trust · Partnership · Excellence

🏆经核实的行业荣誉Verified Industry Recognition

MDRT — 第 5 个月达标MDRT — 5th-Month Qualifier

HLA 百万圆桌团队 (MMM Club)HLA Million Dollar Agency (MMM Club)

20 年专业服务20 Years of Dedicated Service

第 22 届 Advisers 金冠奖22nd Advisers Crown Award

HLA CEO 俱乐部会员HLA CEO Club Member

NAMLIFA 终身会员NAMLIFA Life Member

NAMLIFA 终身会员NAMLIFA Life Member

🥇获奖时刻Award-Winning Moments

🤝战略合作网络Strategic Partnership Network

真实长期合作瞬间Partnership Moments

遍布全马 — 面谈或线上皆可。Across Malaysia — In Person or Online.

🏥 医疗网络 · 35+ 家医院、专科中心与护理机构🏥 Healthcare Network · 35+ hospitals, specialist centres & care providers

🏢 企业客户 · 跨国企业 + 大马知名品牌🏢 Corporate Clients · multinationals + Malaysian icons

为什么我们是您的最佳选择？Why Are We Your Best Choice?

今天就守护您的未来Secure Your Future Today

我以为医药卡包到完，
但现实狠狠打脸。 I thought my medical card covered it all —
then reality hit hard.

HOW哥分享的真实故事Real Stories, Shared by HOW哥