长照规划公开讲座：在需要它之前，先看懂它Long-Term Care Planning Seminar: Understand It Before You Need It

这场讲座，你会带走什么What you'll walk away with

• ✅ 为什么医药卡保不到「出院之后」那几年——真实费用怎么算（RM7,000/月起跳）。✅ Why your medical card doesn't cover the years after discharge — and how the real cost adds up (from RM7,000/month).
• ✅ OAD 与 TPD 的关键分别，以及 99% 保单的盲区在哪里。✅ The key difference between OAD and TPD — and the blind spot in 99% of policies.
• ✅ 6 项日常生活活动（ADL）如何决定理赔，用真实个案讲清楚。✅ How the 6 Activities of Daily Living (ADLs) decide a claim — explained through real cases.
• ✅ 现场 Q&A：把你家庭的具体处境，直接问 HOW哥。✅ Live Q&A: bring your family's specific situation and ask HOW哥 directly.