{"id":10205,"date":"2023-06-09T15:07:00","date_gmt":"2023-06-09T15:07:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=10205"},"modified":"2025-12-18T02:04:35","modified_gmt":"2025-12-18T02:04:35","slug":"how-much-life-insurance-coverage-do-i-need","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/how-much-life-insurance-coverage-do-i-need","title":{"rendered":"\u3010\u4eba\u58fd\u4fdd\u984d\u8cb7\u5e7e\u5927\uff1f\u3011\u4e00\u6587\u4e86\u89e3\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\uff0b\u8a08\u7b97\u5408\u9069\u4eba\u58fd\u4fdd\u984d"},"content":{"rendered":"\n<p>\u4eba\u58fd\u4fdd\u984d\u8cb7\u5e7e\u5927\uff1f\u6211\u7684\u4eba\u58fd\u4fdd\u96aa\u8ce0\u511f\u8db3\u5920\u61c9\u4ed8\u5bb6\u5ead\u958b\u652f\u55ce\uff1f\u7121\u8ad6\u4f60\u662f<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/tips-for-first-time-insurance-buyer\/\">\u4fdd\u96aa\u65b0\u624b<\/a>\u662f\u5df2\u5230\u9054\u67d0\u4e9b\u4eba\u751f\u968e\u6bb5\uff0c\u5728\u7b2c\u4e00\u6b21\u6295\u4fdd\u4eba\u58fd\u4fdd\u96aa\u6642\u90fd\u53ef\u80fd\u6703\u6709\u525b\u624d\u7684\u7336\u8c6b\uff0c<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/\">Blue\u8cc7\u8a0a\u5718\u968a<\/a>\u8207\u4f60\u5206\u6790\u9999\u6e2f\u5e02\u5834\u7684\u8eab\u6545\u4fdd\u969c\u7f3a\u53e3\uff0c\u4e26\u63d0\u4f9b3\u500b\u5c0f\u8cbc\u58eb\uff0c\u52a9\u4f60\u5728\u6295\u4fdd\u524d\u8a08\u7b97\u5408\u9069\u7684\u4eba\u58fd\u4fdd\u984d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\u662f\u751a\u9ebc\uff1f<\/h2>\n\n\n\n<p>\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\uff0c\u662f\u6307\u5bb6\u5ead\u7684\u7d93\u6fdf\u652f\u67f1\uff08\u5373\u4f9b\u990a\u4eba\uff09\u842c\u4e00\u8eab\u6545\uff0c\u5c0d\u65bc\u5bb6\u4eba\uff08\u5373\u53d7\u990a\u4eba\uff09\u5e36\u4f86\u7684\u7d93\u6fdf\u5f71\u97ff\u3002\u5047\u8a2d\u4f9b\u990a\u8005\u6703\u70ba\u5728\u9000\u4f11\u524d\uff08\u4e00\u822c\u70ba65\u6b72\u524d\uff09\u4e00\u76f4\u4f9b\u990a\u5bb6\u4eba\uff0c\u4fdd\u969c\u7f3a\u53e3\u57fa\u6578\u6703\u4ee5\u4f9b\u990a\u8005\u8eab\u6545\u6642\u8ddd\u96e2\u9000\u4f11\u4e4b\u9593\u7684\u5e74\u671f\u4f5c\u8a08\u7b97\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u4f55\u8a08\u7b97\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\uff1f<\/h3>\n\n\n\n<p>\u9996\u5148\uff0c\u8a08\u7b97\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\u7684\u5169\u500b\u5fc5\u5099\u5143\u7d20\u70ba\uff1a<strong>\u53d7\u990a\u4eba\u7684\u4fdd\u969c\u9700\u8981<\/strong> \u53ca <strong>\u5bb6\u5ead\u7684\u53ef\u7528\u8cc7\u7522<\/strong>\u3002 \u53d7\u990a\u4eba\u7684\u4fdd\u969c\u9700\u8981\u5305\u62ec\u5c07\u4f86\u7684\u5bb6\u5ead\u3001\u6559\u80b2\u3001\u91ab\u7642\u958b\u652f\u53ca\u76ee\u524d\u7684\u5bb6\u5ead\u8ca0\u50b5\u6c34\u5e73\uff1b\u800c\u5bb6\u5ead\u7684\u53ef\u7528\u8cc7\u7522\u5247\u5305\u62ec<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/5-tips-to-save-money-in-hong-kong\/\">\u5132\u84c4<\/a>\u3001\u73fe\u91d1\u3001\u6295\u8cc7\u3001\u7269\u696d\u3001<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/tax-deduction-qdap-vhis-tvc\/\">\u5f37\u7a4d\u91d1<\/a>\u7b49\u9000\u4f11\u76f8\u95dc\u8cc7\u7522\u548c\u4eba\u58fd\u4fdd\u96aa<\/p>\n\n\n\n<p>\u6b7b\u4ea1\u8ce0\u511f\u7684\u4fdd\u984d\u3002\u5982\u679c\u53ef\u7528\u8cc7\u7522\u6bd4\u4fdd\u969c\u9700\u8981\u591a\uff0c\u5373\u4f60\u5728\u4e0d\u5e78\u8eab\u6545\u5f8c\u53ef\u7559\u7d66\u5bb6\u4eba\u8ca1\u7522\uff1b\u82e5\u4fdd\u969c\u9700\u8981\u984d\u6bd4\u53ef\u7528\u8cc7\u7522\u591a\uff0c\u5247\u6709\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4fdd\u969c\u9700\u8981 &gt; \u53ef\u7528\u8cc7\u7522 =&gt; \u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3 \u53ef\u7528\u8cc7\u7522 &gt; \u4fdd\u969c\u9700\u8981\uff1d&gt; \u8eab\u6545\u5f8c\u53ef\u7559\u7d66\u5bb6\u4eba\u7684\u8ca1\u7522<\/strong><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">\u4eba\u58fd\u4fdd\u96aa\u4fdd\u984d\u5982\u6b64\u91cd\u8981\uff1f<\/h2>\n\n\n\n<p>\u7531\u4e0a\u8ff0\u7b97\u5f0f\u4e2d\u6211\u5011\u53ef\u4ee5\u5f97\u77e5\uff0c\u4f9b\u990a\u8005\u7684\u4eba\u58fd\u4fdd\u96aa\u8ce0\u511f\u91d1\u984d\u662f\u500b\u91cd\u8981\u4e14\u53ef\u4ee5\u63a7\u5236\u6578\u7684\u95dc\u9375\u56e0\u7d20\u3002\u56e0\u70ba\u82e5\u4eba\u58fd\u4fdd\u984d\u8a08\u7b97\u5f97\u5b9c\uff0c\u53ef\u7528\u8cc7\u7522\u5c31\u53ef\u4ee5\u5927\u5927\u63d0\u5347\uff0c\u5f9e\u800c\u76f4\u63a5\u6c7a\u5b9a\u4fdd\u969c\u7f3a\u53e3\u5927\u5c0f\u3002\u90a3\u5230\u5e95\u4eba\u58fd\u4fdd\u984d\u61c9\u8a72\u8cb7\u5e7e\u5927\u624d\u7b97\u5408\u9069\uff1f\u5373\u7747\u4ee5\u4e0b\uff13\u500b\u5c0f\u8cbc\u58eb\u52a9\u4f60\u8a08\u7b97\u6e05\u695a\uff01<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u4eba\u58fd\u4fdd\u984d\u8cb7\u5e7e\u5927\uff1f3\u500b\u5c0f\u8cbc\u58eb\u8a08\u7b97\u5408\u9069\u7684\u4eba\u58fd\u8a08\u5283\u4fdd\u984d<\/h1>\n\n\n\n<p>\u4e86\u89e3\u904e\u5982\u4f55\u8a08\u7b97\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\u5f8c\uff0c\u4f60\u8a72\u5df2\u5927\u81f4\u4e86\u89e3\u4eba\u58fd\u4fdd\u96aa\u7684\u91cd\u8981\u6027\u3002\u574a\u9593\u63a8\u5d07\u542b\u5132\u84c4\u53ca\u6295\u8cc7\u6210\u5206\u7684\u4eba\u58fd\u4fdd\u96aa\u7522\u54c1\uff0c\u6216\u6703\u8b93\u4eba\u5ffd\u7565\u4e86\u7d14\u4eba\u58fd\u4fdd\u96aa\u4ea6\u6709\u5176\u597d\u8655\u3002\u7d14\u4eba\u58fd\u4fdd\u96aa\u80fd\u4ee5\u5408\u7406\u3001\u53ef\u8ca0\u64d4\u7684\u4fdd\u8cbb\uff0c\u6536\u7a84\u751a\u81f3\u6d88\u9664\u4f60\u7684\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\uff0c\u842c\u4e00\u4e0d\u5e78\u8eab\u6545\uff0c\u4ecd\u80fd\u70ba\u81f3\u611b\u7684\u5bb6\u4eba\u63d0\u4f9b\u63a5\u4e0b\u4f86\u7684\u751f\u6d3b\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u63d0\u4f9b3\u500b\u8cbc\u58eb\uff0c\u5e6b\u52a9\u4f60\u8a08\u7b97\u5408\u9069\u7684\u4eba\u58fd\u4fdd\u96aa\u4fdd\u984d\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u5e73\u5747\u4fdd\u969c\u7f3a\u53e3\u70baHK$190\u842c<\/strong><\/h3>\n\n\n\n<p>\u6839\u64da\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c402021\u5e74\u767c\u4f48\u7684\u300a\u4fdd\u969c\u7f3a\u53e3\u300c\u8eab\u6545\u98a8\u96aa\u300d\u7814\u7a76\u300b\u986f\u793a\uff0c2019\u5e74\u9999\u6e2f\u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\u7684\u6574\u9ad4\u898f\u6a21\u7d04\u70baHK$6.9\u842c\u5104\uff0c\u76f8\u7576\u65bc\u6bcf\u540d\u52de\u52d5\u4eba\u53e3\u9054HK$190\u842c\uff0c\u662f\u6bcf\u540d\u52de\u52d5\u4eba\u53e3\u7684\u52a0\u6b0a\u5e73\u5747\u5e74\u85aa\u76845.7\u500d\u3002\u9019\u53ef\u4ee5\u4f5c\u70ba\u8a08\u7b97\u5408\u9069\u4eba\u58fd\u8a08\u5283\u4fdd\u984d\u7684\u53c3\u8003\u6578\u5b57\uff0c\u6295\u4fdd\u4eba\u4ea6\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u53ca\u5bb6\u4eba\u7684\u73fe\u6709\u8cc7\u7522\u53ca\u9810\u8a08\u958b\u652f\u9700\u8981\u800c\u8abf\u7bc0\u3002<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-flexible-term-life-protection-plan-1?discountCode=BLOGTF1\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-flexible-term-life-protection-plan-1?discountCode=BLOGTF1\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/2fa2c35a-3996-4327-a2b3-09443132d3b4-1024x264.jpeg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">2<strong>. \u8861\u91cf\u7dad\u6301\u751f\u6d3b\u6c34\u5e73\u7684\u6a19\u6e96<\/strong><\/h3>\n\n\n\n<p>\u53d7\u990a\u4eba\u5c07\u4f86\u7684\u958b\u652f\u6839\u64da\u5176\u751f\u6d3b\u6c34\u5e73\u800c\u8c50\u5109\u7531\u4eba\uff0c\u56e0\u6b64\u4fdd\u969c\u9700\u8981\u7684\u8a08\u7b97\u5c24\u5176\u56f0\u96e3\u3002\u4e0a\u8ff0\u7814\u7a76\u4e2d\u63d0\u51fa\u5176\u4e00\u500b\u503c\u5f97\u53c3\u8003\u7684\u6307\u6a19\u5efa\u8b70\uff1a\u5982\u4f5c\u70ba\u5bb6\u5ead\u7d93\u6fdf\u652f\u67f1\u7684\u4f9b\u990a\u8005\u5728\u8eab\u6545\u5f8c\uff0c\u53d7\u990a\u4eba\u4ecd\u80fd\u5920\u7e7c\u7e8c\u65bc\u539f\u4f86\u64c1\u6709\u6216\u79df\u4f4f\u7684\u4f4f\u5b85\u5c45\u4f4f\uff0c\u5373\u5176\u4fdd\u969c\u9700\u8981\u8db3\u4ee5\u7dad\u6301\u751f\u6d3b\u6c34\u5e73\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \u8003\u616e\u5c07\u4f86\u958b\u652f\u7684\u901a\u8139\u7387<\/strong><\/h3>\n\n\n\n<p>\u5728\u8a08\u7b97\u81ea\u5df1\u7684\u4fdd\u969c\u7f3a\u53e3\u53ca\u4eba\u58fd\u4fdd\u96aa\u8a08\u5283\u4fdd\u984d\u6642\uff0c\u8b39\u8a18\u8981\u5c07\u6559\u80b2\u53ca\u91ab\u7642\u958b\u652f\u7b49\u7684\u901a\u8139\u7387\u8003\u616e\u5728\u5167\uff0c\u4ee5\u514d\u5f97\u51fa\u504f\u96e2\u5be6\u969b\u652f\u51fa\u6578\u5b57\uff0c\u8b93\u6700\u7d42\u7684\u6295\u4fdd\u4fdd\u984d\u5931\u53bb\u9810\u7b97\u3002<\/p>\n\n\n\n<p>\u6700\u5f8c\u63d0\u9192\u5927\u5bb6\u5728\u9078\u64c7\u4fdd\u96aa\u516c\u53f8\u53ca\u7522\u54c1\u6642\uff0c\u6700\u597d\u9078\u64c7\u4eba\u58fd\u4fdd\u96aa\u8ce0\u511f\u6642\u9593\u4e0d\u8a2d\u671f\u9650\u7684\u689d\u6b3e\uff0c\u610f\u5728\u6295\u4fdd\u8005\u8eab\u6545\u5f8c\u4efb\u4f55\u6642\u9593\u90fd\u53ef\u4ee5\u7533\u8acb\u7d22\u511f\uff0c\u8b93\u5bb6\u4eba\u5728\u8655\u7406\u5f8c\u4e8b\u671f\u9593\u6bcb\u9808\u6025\u65bc\u8fa6\u7406\u7d22\u511f\u624b\u7e8c\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-term-life-protection-plan-3?discountCode=BLOGTL3\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/06\/TL3-1.jpg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6295\u4fddWeCare\u4e09\u5408\u4e00\u5168\u9762\u4fdd \u6709\u9f4a\u4e09\u5927\u57fa\u672c\u4fdd\u969c\uff01<\/strong><\/h2>\n\n\n\n<p>\u9999\u6e2f\u4eba\u751f\u6d3b\u7bc0\u594f\u6025\u901f\u3001\u58d3\u529b\u5927\u53c8\u7f3a\u4e4f\u904b\u52d5\uff0c\u597d\u6613\u6371\u51fa\u75c5\u4f86\uff0c\u764c\u75c7\u70ba\u9999\u6e2f\u7684\u982d\u865f\u6bba\u624b\u7576\u7136\u8981\u5c0f\u5fc3\uff0c\u4e0d\u904e\u4e2d\u98a8\u53ca\u5fc3\u81df\u75c5\u767c\u4ea6\u4e0d\u5bb9\u5ffd\u8996\u3002\u60f3\u4fdd\u969c\u81ea\u5df1\u4f46\u4fdd\u96aa\u65b0\u624b\u672a\u6709\u9810\u7b97\u4e00\u6b21\u904e\u8cb7\u9f4a\u57fa\u672c\u4fdd\u969c\uff1f<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-3-in-1-protector\">WeCare \u4e09\u5408\u4e00\u5168\u9762\u4fdd<\/a>\u5e6b\u5230\u4f60\uff01\u4ee5\u6bcf\u65e5\u4f4e\u81f3HK$4.3\u7684\u4fdd\u8cbb\uff08\u8a3b1\uff09\uff0c\u63db\u53d6\u4e00\u4efd\u6709\u9f4a\u4ee5\u4e0b\u4e09\u5927\u4fdd\u969c\u7684\u4fdd\u55ae\uff08\u8a3b2\uff09\uff1a<\/p>\n\n\n\n<p><a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/difference-between-critical-illness-insurance-and-health-insurance\/\"><strong>\u5371\u75be\u4fdd\u969c<\/strong><\/a><strong> &#8211; <\/strong>\u6db5\u84cb\u5305\u62ec3\u5927\u5e38\u898b\u5371\u75be\uff08\u8a3b3\uff09 \u2014\u2014 \u764c\u75c7\u3001\u5fc3\u81df\u75c5\u767c\u4f5c\u53ca\u4e2d\u98a8\uff0c\u4e0d\u5e78\u78ba\u8a3a\u53ef\u7372\u76f8\u7b49\u65bc\u4fdd\u969c\u984d100%\u7684\u4e00\u7b46\u904e\u73fe\u91d1\u8ce0\u511f\uff08\u8a3b5\uff09\u3002<\/p>\n\n\n\n<p><strong>\u500b\u4eba\u610f\u5916\u4fdd\u969c &#8211; <\/strong>\u5728\u53d7\u4fdd\u4eba\u4e0d\u5e78\u906d\u9047\u610f\u5916180\u65e5\u5167\u610f\u5916\u8eab\u6545\u3001\u65b7\u80a2\u6216\u5b8c\u5168\u53ca\u6c38\u4e45\u50b7\u6b98\uff08\u8a3b4\uff09\uff0c\u63d0\u4f9b\u76f8\u7b49\u65bc\u4fdd\u969c\u984d200%\u7684\u4e00\u7b46\u904e\u73fe\u91d1\u8ce0\u511f\uff08\u8a3b6\uff09\uff0c\u652f\u6301\u7740\u53d7\u4fdd\u4eba\u548c\u5176\u5bb6\u4eba\u6e21\u904e\u6bcf\u4e00\u500b\u96e3\u95dc\u3002<\/p>\n\n\n\n<p><strong>\u4eba\u58fd\u4fdd\u969c\u2013 <\/strong>\u5982\u53d7\u4fdd\u4eba\u65bc\u4fdd\u55ae\u4fdd\u969c\u671f\u5167\u4e0d\u5e78\u8eab\u6545\uff0c\u63d0\u4f9b\u76f8\u7b49\u65bc\u4fdd\u969c\u984d100%\u7684\u4e00\u7b46\u904e\u73fe\u91d1\u8ce0\u511f\uff08\u8a3b5\uff09\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-3-in-1-protector\">WeCare \u4e09\u5408\u4e00\u5168\u9762\u4fdd<\/a>\u6295\u4fdd\u904e\u7a0b\u7c21\u6613\uff0c\u53ea\u9808\u65bc\u7db2\u4e0a\u56de\u7b54\u7c21\u55ae\u5065\u5eb7\u554f\u984c\uff0c\u5c31\u53ef\u4ee5\u8f15\u9b06\u6295\u4fdd\uff0c\u7121\u9808\u984d\u5916\u63d0\u4ea4\u4efb\u4f55\u9a57\u8eab\u5831\u544a\uff0c\u5b8c\u6210\u7db2\u4e0a\u7533\u8acb\u7a0b\u5e8f\u53ca\u7e73\u4ea4\u4fdd\u8cbb\u5f8c\uff0c\u4fdd\u55ae\u6700\u5feb\u53ef\u5373\u65e5\u751f\u6548\uff0c\u8b93\u4f60\u544a\u5225\u50b3\u7d71\u4fdd\u96aa\u7684\u7e41\u8907\u7d30\u7bc0\uff0c\u8f15\u9b06\u7372\u5f97\u6240\u9700\u4fdd\u969c\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-109-refundable-critical-illness-protector\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/109.jpg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u806f\u7d61Blue\u4e86\u89e3\u66f4\u591a\u4fdd\u96aa\u65b9\u6848<\/h2>\n\n\n\n<p>Blue\u63d0\u4f9b<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\">\u5132\u84c4<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">\u4eba\u58fd<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-personal-accident-protection-plan-1\">\u610f\u5916<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/critical-illness-insurance\">\u5371\u75be<\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/medical-cover\">\u9580\u8a3a\u91ab\u7642<\/a>\u53ca<a href=\"https:\/\/www.blue.com.hk\/hk\/weguard-pharmaeasy-protection-plan\">\u85e5\u5291<\/a>\u7b49\u591a\u7a2e\u4fdd\u96aa\u7522\u54c1\u3002\u5982\u6b32\u4e86\u89e3\u66f4\u591a\uff0c\u6b61\u8fce\u76f4\u63a5WhatsApp +852 9559 5665\u67e5\u8a62\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u8a3b1\uff1a\u5047\u8a2d\u4e00\u540d18\u6b72\u9999\u6e2f\u975e\u5438\u7159\u5973\u6027\u6295\u4fdd\u300cWeCare \u4e09\u5408\u4e00\u5168\u9762\u4fdd\u300d\uff0c\u4fdd\u969c\u984d\u70baHK$100\u842c\uff0c\u5176\u6240\u9700\u6708\u7e73\u4fdd\u8cbb\u76f8\u7b49\u65bcHK$130\u3002\u6839\u64da\u524d\u9762\u63d0\u5230\u7684\u689d\u4ef6\uff0c\u4ee5\u6708\u7e73\u4fdd\u8cbbHK$130\u9664\u4ee530\u65e5\u8a08\u7b97\uff0c\u4fbf\u5f97\u51fa\u6bcf\u65e5\u4fdd\u8cbb\u7d04\u70baHK$4.3\u3002<\/p>\n\n\n\n<p>\u8a3b2\uff1a\u7576\u8eab\u6545\u8ce0\u511f\/\u5371\u75be\u4fdd\u969c\/\u500b\u4eba\u610f\u5916\u4fdd\u969c\u61c9\u4e88\u652f\u4ed8\u6642\uff0c\u6b64\u4fdd\u55ae\u7684\u5176\u4ed6\u8ce0\u511f\u5247\u5c07\u4e0d\u4e88\u652f\u4ed8\u53ca\u6b64\u4fdd\u55ae\u5c07\u88ab\u7d42\u6b62\u3002<\/p>\n\n\n\n<p>\u8a3b3\uff1a\u5371\u75be\u4fdd\u969c\u50c5\u4fdd\u969c\u4fdd\u55ae\u689d\u6b3e\u7684\u9644\u9304\u5217\u660e\u7684\u5371\u75be\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1<a href=\"https:\/\/www.blue.com.hk\/static\/0d7c8707a2fcb45938ffce53f813106e\/WeCare_3-in-1_Protector_TC__Final_Final__SPECIMEN.pdf\">\u4fdd\u55ae\u689d\u6b3e<\/a>\u3002\u6709\u95dc\u53d7\u4fdd\u5371\u75be\u7684\u5b9a\u7fa9\uff0c\u8acb\u53c3\u95b1<a href=\"https:\/\/www.blue.com.hk\/static\/0d7c8707a2fcb45938ffce53f813106e\/WeCare_3-in-1_Protector_TC__Final_Final__SPECIMEN.pdf\">\u4fdd\u55ae\u689d\u6b3e<\/a>\u7684\u9644\u9304\u3002<\/p>\n\n\n\n<p>\u8a3b4\uff1a\u6709\u95dc\u500b\u4eba\u610f\u5916\u4fdd\u969c\u4e4b\u4fdd\u969c\u6b0a\u76ca\u53ca\u689d\u6b3e\u548c\u5168\u90e8\u4e0d\u4fdd\u4e8b\u9805\uff0c\u8acb\u53c3\u95b1<a href=\"https:\/\/www.blue.com.hk\/static\/0d7c8707a2fcb45938ffce53f813106e\/WeCare_3-in-1_Protector_TC__Final_Final__SPECIMEN.pdf\">\u4fdd\u55ae\u689d\u6b3e<\/a>\u3002<\/p>\n\n\n\n<p>\u8a3b5\uff1a\u4eba\u58fd\u4fdd\u969c\u53ca\u5371\u75be\u4fdd\u969c\u7684\u61c9\u4ed8\u91d1\u984d\u76f8\u7b49\u65bc\u6700\u65b0\u4fdd\u969c\u984d\u7684100%\u6263\u9664\u4efb\u4f55\u8ca0\u50b5\u3002<\/p>\n\n\n\n<p>\u8a3b6\uff1a\u500b\u4eba\u610f\u5916\u4fdd\u969c\u7684\u61c9\u4ed8\u91d1\u984d\u76f8\u7b49\u65bc\u6700\u65b0\u4fdd\u969c\u984d\u7684200%\u6263\u9664\u4efb\u4f55\u8ca0\u50b5\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0a\u7522\u54c1\u5747\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\uff0c\u66f4\u591a\u8a73\u60c5\u8acb\u53c3\u95b1<a href=\"https:\/\/www.blue.com.hk\/hk\">Blue\u7db2\u7ad9<\/a>\u3002<\/p>\n\n\n\n<p>\u514d\u8cac\u8072\u660e\uff1a<\/p>\n\n\n\n<p>\u672c\u6587\u7531Blue\u8cc7\u8a0a\u5718\u968a\u64b0\u5beb\uff0c\u8cc7\u6599\u50c5\u4f9b\u53c3\u8003\u4e4b\u7528\uff0c\u4e0d\u80fd\u8a6e\u91cb\u70ba\u5728\u9999\u6e2f\u4ee5\u5916\u63d0\u4f9b\u6216\u51fa\u552e\u6216\u904a\u8aaa\u8cfc\u8cb7\u4efb\u4f55\u4fdd\u96aa\u7522\u54c1\u3002Blue\u4e26\u4e0d\u5c31\u8cc7\u6599\u7684\u6e96\u78ba\u6027\u3001\u5b8c\u6574\u6027\u6216\u662f\u9069\u5408\u4efb\u4f55\u7279\u5b9a\u7528\u9014\uff0c\u4f5c\u51fa\u4efb\u4f55\u660e\u793a\u6216\u9ed8\u793a\u7684\u8aaa\u660e\u3001\u9673\u8ff0\u6216\u4fdd\u8b49\u3002\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u7684\u7522\u54c1\u53ef\u80fd\u5b58\u5728\u5dee\u7570\uff0c\u6295\u4fdd\u524d\u9808\u4e86\u89e3\u6e05\u695a\u3001\u5206\u6790\u548c\u6bd4\u8f03\u5f9e\u800c\u627e\u51fa\u5408\u9069\u7684\u4fdd\u96aa\u7522\u54c1\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u53c3\u8003\u8cc7\u6599\uff1a<\/p>\n\n\n\n<p><a href=\"https:\/\/ia.org.hk\/tc\/infocenter\/files\/Mortality_Protection_Gap_Report_chi.pdf\">\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40\u300a2021\u5e74\u4fdd\u969c\u7f3a\u53e3\u300c\u8eab\u6545\u98a8\u96aa\u300d\u7814\u7a76\u300b<\/a> <br><a href=\"https:\/\/wealth.hket.com\/article\/2949801\/%E8%BA%AB%E6%95%85%E8%B3%A0%E5%84%9F%E9%A0%88%E7%9F%A5\">\u8eab\u6545\u8ce0\u511f\u9808\u77e5 &#8211; \u9999\u6e2f\u7d93\u6fdf\u65e5\u5831 &#8211; \u7406\u8ca1 &#8211; \u535a\u5ba2 &#8211; D210506 (hket.com)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4eba\u58fd\u4fdd\u984d\u8cb7\u5e7e\u5927\uff1f\u6211\u7684\u4eba\u58fd\u4fdd\u96aa\u8ce0\u511f\u8db3\u5920\u61c9\u4ed8\u5bb6\u5ead\u958b\u652f\u55ce\uff1f\u7121\u8ad6\u4f60\u662f\u4fdd\u96aa\u65b0\u624b\u662f\u5df2\u5230\u9054\u67d0\u4e9b\u4eba\u751f\u968e\u6bb5\uff0c\u5728\u7b2c\u4e00\u6b21\u6295\u4fdd\u4eba\u58fd\u4fdd\u96aa\u6642\u90fd\u53ef\u80fd\u6703\u6709\u525b\u624d\u7684\u7336\u8c6b\uff0cBlue\u8cc7\u8a0a\u5718\u968a\u8207\u4f60\u5206\u6790\u9999\u6e2f\u5e02\u5834\u7684\u8eab\u6545\u4fdd\u969c\u7f3a\u53e3\uff0c\u4e26\u63d0\u4f9b3\u500b\u5c0f\u8cbc\u58eb\uff0c\u52a9\u4f60\u5728\u6295\u4fdd\u524d\u8a08\u7b97\u5408\u9069\u7684\u4eba\u58fd\u4fdd\u984d\u3002 \u8eab\u6545\u98a8\u96aa\u4fdd\u969c\u7f3a\u53e3\u662f\u751a\u9ebc\uff1f 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