真实新闻与医疗实况：为什么康复后买不到保险？
Real-Life Reality: Why Cancer Survivors Face Rejection?
现实痛点：康复后沦为“保险孤儿”
根据马来西亚国家癌症登记处及医疗数据显示，许多癌症或严重心脏病患者在现代精准医疗下成功康复。然而，当他们想重新购买重疾险时，几乎 100% 会被保险公司拒保或排除保障！若不幸面临癌症复发或因化疗引发器官衰竭，将只能自费承担巨额费用。
The Reality: Becoming Uninsurable
According to health registry data in Malaysia, many cancer and heart disease patients successfully recover thanks to modern medicine. However, when trying to apply for new insurance, they face near 100% rejection or exclusions. If relapse occurs, costs must be paid completely out-of-pocket.
SMCC 突破：赔完保额，保障依然在！
传统重疾险赔付 100% 后即刻终止。而 SMCC 允许多次理赔（高达 800% 涵盖事件 + 60% 特别利益）！即使您在早期或晚期申请过理赔，保障依然持续，针对癌症、心脏病和中风更提供第二次新发的双重保障，彻底解决后顾之忧。
SMCC Solution: Coverage Continues
Traditional CI policies terminate after 100% payout. SMCC offers multiple claims (up to 800% Covered Event + 60% Special Benefit)! Even after a claim, protection continues, with double protection for Cancer, Heart Attack, and Stroke.
SMCC 五大核心卖点
Top 5 Features of SMCC
188 种疾病全面覆盖
188 Conditions Covered
包含 178 种严重疾病（早期、中期、晚期）及 10 种特别利益事件。
Includes 178 critical illness conditions across 3 stages plus 10 special benefit events.
早期 & 中期灵活给付
Early & Intermediate Payout
早期/中期每次赔付 50% 保额（每次最高 RM300k），最多可赔付 4 次。
50% RSA per claim (up to RM300k/claim), up to 4 times in aggregate.
三大杀手双重保障
Double Protection Top 3
癌症、心脏病、中风可获得第二次新发理赔，每项最高 200% 保额。
Additional 100% RSA for newly diagnosed second Cancer, Heart Attack, or Stroke.
特别利益额外给付
Special Benefits
糖尿病康复、精神疾病（最高RM150k）及脊髓损伤致全瘫额外给付 20% 保额。
Extra 20% RSA for Diabetes Recovery, Mental Illness (max RM150k), and Quadriplegia.
860% 理赔结构全景图
Visual Breakdown of 860% RSA Payout Structure
(每项最高 RM300k)
(Cap RM300k/claim)
第二次新发各可再获100%
Add 100% RSA each
100% 赔付直至总额满800%
up to 800% aggregate
• 精神疾病利益 (20%, 最高RM150k)
• 脊髓损伤致全瘫利益 (20%)
• Mental Illness (20%, max RM150k)
• Quadriplegia via Spinal Injury (20%)
完整 188 种涵盖疾病清单
Full List of 188 Covered Conditions
| # | 疾病类别 / 名称 | Category / Condition Name | 阶段 | Stage |
|---|
戴谚晖 Tai Yen Fei
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