#LTLifeFinancial
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GREAT VantageCare 2
Great Eastern Life
终身危疾保障 · 保费终身锁定 Whole Life Critical Illness · Rates Locked for Life

保费从投保那天起，终身不涨价。 One premium, locked in for life — it never goes up.

GREAT VantageCare 2 是分红终身寿险，保障身故、全残（TPD）及50种晚期危疾。保费费率在投保时厘定后即受保证，缴费期内保持不变，让你及早规划，安心一辈子。 GREAT VantageCare 2 is a participating whole life plan covering death, Total & Permanent Disability (TPD) and 50 advanced-stage critical illnesses. The premium rate is guaranteed at entry and stays level throughout the payment term — plan early, stay covered for life.

50种50 危疾保障critical illnesses covered
身故 / TPDDeath / TPD 赔偿benefit
最高 +50% 额外保额 Additional Sum Assured
保至87岁 Cover to age 87
保费走势示意Premium over time
锁定，不随年龄起价Level for life, not age-rated
entry age 87
GREAT VantageCare 2 保费GVC2 premium
一般随年龄递增Typical age-rated plan
保单亮点Plan highlights

这份保单为你做什么What this plan does for you

01

全面危疾保障Comprehensive CI coverage

涵盖癌症、心脏病、中风等50种晚期危疾，一经确诊，即获一笔过赔偿。Covers 50 advanced-stage illnesses — cancer, heart attack, stroke and more — paid as a lump sum on diagnosis.

02

身故 / 全残保障Death / TPD benefit

万一身故或全残，家人可获基本保额、额外保额及累积红利，减轻财务负担。Loved ones receive the Basic Sum Assured, Additional Sum Assured and accumulated bonuses if death or TPD occurs.

03

额外保额加成Additional Sum Assured

81岁后按年龄递增，最高可达基本保额的50%，年长时保障更充足。Steps up from age 81, up to 50% of the Basic Sum Assured — more protection in later years.

04

保费费率终身保证Guaranteed level rates

费率在缴费期内维持不变，不因年龄或健康变化而重新计价。Rates stay the same throughout the premium payment term, regardless of age or health changes.

05

附加配套可选Optional riders

可搭配附加保障如意外或住院医疗保障，按需求调整保障范围。Tailor the plan further with riders for accidents or hospitalisation.

06

满期回馈Maturity benefit

保单存活至87岁，可领取基本保额连同累积红利及终期红利。On survival to age 87, receive the Basic Sum Assured plus accumulated Cash Bonus and Terminal Bonus.

如今市场上，传统保单已经越来越少见Traditional participating plans are increasingly rare in today's market

GREAT VantageCare 2 是保留现金价值累积与红利机制的传统分红保单——在缴费两年后具有保证现金价值，并有机会获派非保证红利（Cash Bonus + Terminal Bonus）。以上试算仅供参考，正式保费、现金价值表与红利假设，需联系代理索取官方 Sales Illustration。 GREAT VantageCare 2 is a traditional participating plan that builds guaranteed cash value (after 2 years) alongside potential non-guaranteed bonuses (Cash Bonus + Terminal Bonus). This estimate is for reference only — contact your agent for the official Sales Illustration with confirmed premiums, cash value tables and bonus assumptions.

索取正式报价Get official quotation
保障清单Covered conditions

50种晚期危疾一览All 50 covered critical illnesses

中英文对照，方便你与家人核对保障范围。Listed in English and Chinese so you and your family can check coverage at a glance.

01
Alzheimer's Disease / Severe Dementia
阿尔茨海默病 / 严重痴呆症
02
Angioplasty & Other Invasive Treatments for CAD
血管成形术及其他冠状动脉疾病创伤性治疗
03
Apallic Syndrome (Persistent Vegetative State)
植物人状态
04
Bacterial Meningitis
细菌性脑膜炎
05
Benign Brain Tumor
良性脑肿瘤
06
Blindness – Permanent and Irreversible
永久失明
07
Brain Surgery
脑外科手术
08
Cancer
癌症
09
Cardiomyopathy
心肌病
10
Chronic Aplastic Anemia
慢性再生障碍性贫血
11
Chronic Relapsing Pancreatitis
慢性复发性胰腺炎
12
Coma
昏迷
13
Coronary Artery By-Pass Surgery
冠状动脉搭桥手术
14
Creutzfeldt-Jakob Disease (Mad Cow Disease)
克雅氏病（疯牛病）
15
Deafness – Permanent and Irreversible
永久失聪
16
Ebola Haemorrhagic Fever
埃博拉出血热
17
Elephantiasis
象皮病
18
Encephalitis
脑炎
19
End-Stage Liver Failure
末期肝功能衰竭
20
End-Stage Lung Disease
末期肺病
21
Full-blown AIDS
严重艾滋病
22
Fulminant Viral Hepatitis
猛爆性病毒性肝炎
23
Heart Attack
心脏病发作
24
Heart Valve Surgery
心脏瓣膜手术
25
HIV Infection Due To Blood Transfusion
因输血感染人类免疫缺陷病毒
26
Kidney Failure
肾功能衰竭
27
Loss of Independent Existence
丧失独立生活能力
28
Loss of Speech
丧失语言能力
29
Major Head Trauma
严重头部创伤
30
Major Organ / Bone Marrow Transplant
主要器官／骨髓移植
31
Medullary Cystic Disease
髓质性囊肿病
32
Meningeal Tuberculosis
结核性脑膜炎
33
Motor Neuron Disease
运动神经元病
34
Multiple Sclerosis
多发性硬化症
35
Muscular Dystrophy
肌肉萎缩症
36
Occupationally Acquired HIV Infection
职业性感染人类免疫缺陷病毒
37
Paralysis of Limbs
肢体瘫痪
38
Parkinson's Disease
帕金森病
39
Poliomyelitis
脊髓灰质炎
40
Primary Pulmonary Arterial Hypertension
原发性肺动脉高压
41
Progressive Scleroderma
进行性硬皮病
42
Rabies
狂犬病
43
Serious Coronary Artery Disease
严重冠状动脉疾病
44
Severe Eisenmenger's Syndrome
严重艾森曼格综合症
45
Severe Haemophilia
严重血友病
46
Stroke
中风
47
Surgery to Aorta
主动脉手术
48
Systemic Lupus Erythematosus With Severe Kidney Complications
严重肾并发症的系统性红斑狼疮
49
Terminal Illness
末期疾病
50
Third Degree Burns
三度烧伤
保费试算Premium estimator

算一算你的保费Estimate your premium

根据 Appendix 1 标准费率表（每RM1,000基本保额）计算，以 Class 1 & 2（标准体）为示例，实际保费需经核保确认。Calculated from the Appendix 1 standard rate table (per RM1,000 Basic Sum Assured), using Class 1 & 2 (standard) as a sample. Actual premiums are subject to underwriting.

RM 100,000
最低RM30,000。RM300,000以上或17岁以下投保超过RM300,000，需符合额外核保条件（详情请询问代理）。 Minimum RM30,000. Amounts above RM300,000 (or above RM300,000 for entry age under 17) are subject to further underwriting — ask your agent for details.
为Estimate for
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RM —
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投保年龄（下一生日）Age next birthday—
基本费率 / RM1,000Base rate / RM1,000—
大额保费折扣 / RM1,000Large SA discount / RM1,000—
净费率 / RM1,000Net rate / RM1,000—
年缴总额（供参考）Total per year (reference)—
＊本试算仅根据代理手册 Appendix 1 标准费率（Class 1 & 2）估算，未涵盖体检加费、职业加费等核保调整，实际保费以承保通知书为准。 ＊This estimate uses the standard Appendix 1 rate table (Class 1 & 2 sample) and excludes medical, occupation or other underwriting loadings. Final premium is confirmed in your policy acceptance letter.
会打开 WhatsApp，并自动带上你刚才输入的资料与试算结果。 Opens WhatsApp with your inputs and this estimate pre-filled.
GREAT VantageCare 2 为分红终身寿险保单，红利不获保证。投保年龄上限为60岁（下一生日）。本计算器仅供参考，不构成保单合约或销售说明书，实际条款以保单文件为准。 GREAT VantageCare 2 is a participating whole life plan; bonuses are not guaranteed. Maximum entry age is 60 years next birthday. This calculator is for reference only and is not a policy contract or sales illustration — refer to the actual policy document for full terms.
Mr Tai

戴Mr Tai

大东方保险代理Great Eastern Life Agent

想进一步了解保单细节、核保条件或客制化保障方案？欢迎 WhatsApp 联系，或浏览以下资源，认识更多关于我与保险规划的资讯。 Want to go deeper on the fine print, underwriting, or a plan tailored to you? Reach out on WhatsApp, or browse the resources below to learn more.

认识代理的故事My story as an agent → 财务缺口计算器 · The Gap PlanFinancial Gap Calculator → 孕妇保单 · Smart Baby Shield PlusPregnancy & baby plan → 10秒自算医药卡 · GREAT Medic Shield 2Standalone medical card calculator → 房贷 DSR / MRTA / MLTAHome loan DSR / MRTA / MLTA → 综合中文理财资讯Lifetime Planner — full resources →
常见问题FAQ

投保前，你可能想知道Before you apply

谁可以投保？Who can apply?
最低投保年龄为出生满30天，最高投保年龄为60岁（下一生日）。Minimum entry age is 30 days old; maximum entry age is 60 years next birthday.
我可以投保多少保额？How much sum assured can I purchase?
最低基本保额为RM30,000。申请最低或更高保额均须符合相应的核保要求。The minimum sum assured is RM30,000. Applications for the minimum or higher amounts are subject to applicable underwriting requirements.
保单有哪些除外条款？What are some of the exclusions?
主要包括：投保前已存在的疾病；投保或复效第一年内因自杀身故；因自我伤害导致的全残；以及在30或60天等候期内确诊的危疾（视危疾种类而定）。完整条款以保单文件为准。Key exclusions include pre-existing illness, suicide within the first policy year, TPD from self-inflicted injury, and critical illnesses diagnosed within the 30- or 60-day waiting period. Full terms are in the policy document.
保费怎么缴？How do I pay my premiums?
可选择信用卡、银行转账、网上银行、自动扣款、支票或现金，缴费方式可为年缴、半年缴、季缴或月缴。You can pay by credit card, banker's order, internet banking, auto debit, cheque or cash — annually, half-yearly, quarterly or monthly.
保单是否有现金价值？Does this policy have cash value?
这是传统分红保单，缴费满两年后开始具有保证现金价值，另有机会获派非保证的现金红利与终期红利。若提早退保，拿回的金额可能低于已缴保费。As a participating whole life plan, it builds guaranteed cash value after two years of premium payment, alongside potential non-guaranteed Cash Bonus and Terminal Bonus. Surrendering early may return less than premiums paid.
赔偿金需要缴税吗？Will I be entitled to tax benefits?
一般而言，GREAT VantageCare 2 的赔偿金无需课税，所缴保费也可能符合税务减免资格，惟须依据马来西亚1967年所得税法令及内陆税收局的最终裁定。Benefits are generally non-taxable and premiums paid may qualify for tax relief, subject to the Malaysian Income Tax Act 1967 and the Inland Revenue Board's final decision.