Life insurance in Malaysia vary based on factors such as age, health, coverage amount, and policy type. Understanding how are calculated helps you choose the best life insurance plan that fits your budget while ensuring adequate protection for you and your loved ones. Learn about the different types of payment options, and tips to lower your insurance costs.
Age & Gender: Younger applicants generally pay lower; females may have slightly lower rates due to longevity.
Health & Medical History: Pre-existing conditions or lifestyle habits (smoking, alcohol) can increase.
Sum Assured / Coverage Amount: Higher coverage means higher to protect the insured’s beneficiaries adequately.
Policy Type: Term, whole life, or investment-linked policies have different premium structures.
Payment Term & Frequency: Annual, semi-annual, quarterly, or monthly payments affect premium amounts and discounts.
Occupation & Hobbies: Risky jobs or dangerous hobbies can result in higher.
Riders & Add-ons: Additional coverages like critical illness, disability, or accident riders increase.
马来西亚人寿保险保费因年龄、健康状况、保额和保单类型等因素而异。了解保费的计算方式有助于您选择最符合预算的人寿保险计划，同时确保您和您的家人获得充分的保障。了解不同类型的保费、付款方式以及降低保险成本的技巧。
年龄和性别： 年轻的申请人通常支付较低的保费；女性的发病率可能略低，因为她们寿命更长。
健康 &既往病史：既往疾病或生活习惯（吸烟、饮酒）可能会增加保费。
保额/保障金额：更高的保障意味着更高的保费，以充分保障被保险人的受益人。
保单类型：定期寿险、终身寿险人寿保险或投资型保险的保费结构各不相同。
缴费期限和频率： 年缴、半年缴、季缴或月缴会影响保费金额和折扣。
职业和爱好：从事高风险工作或从事危险爱好可能会导致更高的保费。
附加险： 诸如重大疾病、残疾或意外伤害等额外保障会增加保费。
