01/03/2026
最近很多朋友在问：如果真的发生战争或核污染，医疗卡会赔吗？
Many people have been asking: If war or nuclear contamination happens, will a medical card pay?
答案是：大部分马来西亚医疗计划都会列明战争、恐怖袭击、核辐射及放射性污染属于免责范围。
The answer is: Most medical plans in Malaysia clearly state that war, terrorist acts, nuclear radiation and radioactive contamination are excluded.
这不是某一家公司的问题，而是全球保险行业的通行原则。
This is not specific to one company, but a global insurance industry standard.
原因很简单，因为战争与核灾属于系统性风险。
The reason is simple: War and nuclear events are considered systemic risks.
一旦发生，将是全国甚至跨国范围的大规模索赔。
If they occur, claims would happen on a nationwide or even global scale.
这种风险无法用正常的精算模型进行定价。
Such risks cannot be priced under normal actuarial models.
保险的本质，是分散个别风险，而不是承担国家级灾难风险。
Insurance is designed to spread individual risks, not absorb national-level catastrophic risks.
所以我们必须清楚理解保障的边界。
That is why we must clearly understand the boundaries of coverage.
医疗卡保障的是疾病与意外医疗费用。
Medical plans cover illnesses and accidental medical expenses.
它并不保障战争风险或核事故风险。
They do not cover war risks or nuclear events.
这也是为什么资产规划一定要分层配置。
This is why financial planning must be layered.
医疗保障、紧急现金、资产分散与风险隔离工具，各自都有不同功能。
Medical coverage, emergency funds, asset diversification and risk segregation tools each serve different purposes.
专业，不只是销售保单。
Professionalism is not just about selling policies.
而是让客户清楚知道：什么保、什么不保，以及为什么。
It is about ensuring clients understand clearly what is covered, what is not, and why.
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