年龄、收入、供养与负债，决定「谁要保」和「保多少」。 Age, income, dependants and debts decide who to cover and how much.
有就勾、有保额就填。系统只补缺口，避免叠买。 Tick what you have and enter sums. We only fill gaps — no stacking.
雇主团体医疗，离职常失效Employer group cover — often ends when you leave
已有 Hospital & SurgicalExisting Hospital & Surgical
已有 Critical IllnessExisting CI cover
身故 / TPD 已有部分Existing death / TPD cover
没有个人医疗 / CI / 人寿No personal medical / CI / life
意外身故 / 伤残已安排Accidental death / disablement in place
点选你的第一优先。系统会把这一层加厚，其余按预算往后排。 Pick your #1 priority. We thicken that layer; the rest follows your budget.
拖动预算，组合结构会跟着变——不是只改一个数字。 Move the slider and the structure changes — not just one number.
对外是生活语言，对内落到 rider 格子——方便你对照 HLA Quotation。 Plain language outside, rider grid inside — ready for an HLA quotation.
选路径后，WhatsApp 会自动带上缺口色、建议组合与待核实问题。 After you pick a path, WhatsApp carries your gaps, plan and open questions.
打印 / 另存为 PDF 前确认内容。浏览器打印对话框中请勾选「背景图形」。 Confirm contents, then Print / Save as PDF. Enable “Background graphics” in the print dialog.