{"id":10622,"date":"2023-01-10T07:07:00","date_gmt":"2023-01-10T07:07:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=10622"},"modified":"2025-12-18T03:50:54","modified_gmt":"2025-12-18T03:50:54","slug":"term-life-valuable-advantages","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/term-life-valuable-advantages","title":{"rendered":"\u3010\u7d14\u4eba\u58fd\u4fdd\u96aa\u3011\u70ba\u4ec0\u9ebc\u4fdd\u8cbb\u9019\u9ebc\u5e73\uff1f\u62c6\u89e3\u7d14\u4eba\u58fd\u4fdd3\u5927\u597d\u8655"},"content":{"rendered":"\n<p>\u7d14\u4eba\u58fd\u4fdd\u96aa\u53c8\u7a31\u70ba\u5b9a\u671f\u4eba\u58fd\uff0c\u5230\u5e95\u7d14\u4eba\u58fd\u4fdd\u96aa\u6709\u54a9\u597d\u8655\uff1f\u7d14\u4eba\u58fd\u4fdd\u96aa\u9ede\u89e3\u8f03\u5e73\uff1f\u7d14\u4eba\u58fd\u4fdd\u96aa\u6709\u4ec0\u9ebc\u4e0d\u4fdd\u4e8b\u9805\uff1f\u4fdd\u8cbb\u5e73\u53c8\u662f\u5426\u4ee3\u8868\u4fdd\u969c\u6548\u679c\u5c11\uff1f\u597d\u591a\u4eba\u5c0d\u7d14\u4eba\u58fd\u4fdd\u96aa\/\u5b9a\u671f\u4eba\u58fd\u5145\u6eff\u7591\u60d1\uff0c<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/\">Blue\u8cc7\u8a0a\u5718\u968a<\/a>\u70ba\u5927\u5bb6\u4e00\u6587\u62c6\u89e3\uff01<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u597d\u86551\uff1a\u7d14\u4eba\u58fd\u4fdd\u96aa\u50f9\u9322\u70ba\u4ec0\u9ebc\u6703\u5e73\uff1f<\/strong><\/h2>\n\n\n\n<p>\u5e02\u9762\u4e0a\u6709\u4e0d\u540c\u7a2e\u985e\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u4e00\u822c\u4ee5\u7d14\u4eba\u58fd\u4fdd\u96aa\/\u5b9a\u671f\u4eba\u58fd\u7684\u50f9\u9322\u76f8\u5c0d\u8f03\u5e73\uff0c\u539f\u56e0\u5728\u65bc\u7d14\u4eba\u58fd\u4fdd\u96aa\u7684\u7522\u54c1\u7d50\u69cb\u7c21\u55ae\uff0c\u4e0d\u6d89\u53ca\u5132\u84c4\u6210\u5206\uff0c\u4fdd\u8cbb\u4e3b\u8981\u5305\u62ec\u4fdd\u96aa\u6210\u672c\u53ca\u884c\u653f\u8cbb\u7528\uff0c\u6295\u4fdd\u4eba\u65b7\u4f9b\u4e5f\u4e0d\u6703\u8755\u9322\u3002\u4e00\u822c\u800c\u8a00\uff0c\u7531\u65bc\u7d14\u4eba\u58fd\u4fdd\u96aa\u5728\u4fdd\u55ae\u5b8c\u7d50\u5f8c\u4e0d\u6703\u6709\u73fe\u91d1\u50f9\u503c\u767c\u9084\uff0c\u5305\u62ec\u4fdd\u8b49\u7d05\u5229\u548c\u4fdd\u8b49\u73fe\u91d1\u50f9\u503c\uff0c\u56e0\u6b64\uff0c\u4fdd\u8cbb\u5f80\u5f80\u8f03\u5132\u84c4\u578b\u4eba\u58fd\u4fdd\u96aa\u70ba\u4f4e\uff0c\u5982\u7d93\u7db2\u4e0a\u6295\u4fdd\u7d14\u4eba\u58fd\u4fdd\u96aa\u4fbf\u66f4\u70ba\u4fbf\u5b9c\u3002\u6839\u64da\u4fdd\u969c\u5e74\u671f\u7684\u4e0d\u540c\uff0c\u4ee5\u53ca\u6295\u4fdd\u4eba\u7684\u5e74\u9f61\u6240\u91d0\u5b9a\u7684\u4fdd\u8cbb\u53ea\u6703\u5728\u7e8c\u4fdd\u6642\u518d\u4f5c\u8abf\u6574\uff1b\u800c\u901a\u5e38\u6295\u4fdd\u4eba\u7684\u5e74\u9f61\u6108\u9ad8\uff0c\u7e8c\u4fdd\u6642\u624d\u6703\u589e\u52a0\u6240\u9700\u4fdd\u8cbb\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u597d\u86552\uff1a \u7d14\u4eba\u58fd\u4fdd\u96aa\u4e00\u822c\u8f03\u5c11\u4e0d\u4fdd\u4e8b\u9805<\/strong><\/h2>\n\n\n\n<p>\u7d14\u4eba\u58fd\u4fdd\u96aa\u4e0d\u6d89\u53ca\u5132\u84c4\u6210\u5206\uff0c\u4fdd\u8cbb\u4e0d\u6703\u88ab\u8abf\u64a5\u81f3\u73fe\u91d1\u5132\u84c4\u6236\u53e3\uff0c\u4fdd\u969c\u7bc4\u570d\u6bd4\u8f03\u7c21\u55ae\u76f4\u63a5\uff0c\u8f03\u5c11\u4e0d\u4fdd\u4e8b\u9805\u3002\u5c31\u4ee5Blue\u300cWeCare\u9748\u6d3b\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283(TF1)\u300d\u53ca\u300cWeCare\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 (TL3)\u300d\u5169\u6b3e\u8a08\u5283\u70ba\u4f8b\uff0c\u5169\u8005\u7684\u4e0d\u53d7\u4fdd\u4e8b\u9805\u90fd\u53ea\u6709\u300c\u53d7\u4fdd\u4eba\u5728\u4fdd\u55ae\u7c3d\u767c\u65e5\u6216\u5fa9\u6548\u65e5\u8d77\u8a0824\u500b\u6708\u5167\uff08\u4ee5\u8f03\u5f8c\u8005\u70ba\u6e96\uff09\u81ea\u6bba\u300d\u4e00\u9805\uff0c\u56e0\u6b64\u7d55\u5927\u90e8\u5206\u60c5\u6cc1\u4e0b\u53d7\u76ca\u4eba\u90fd\u53ef\u4ee5\u7372\u5f97\u8ce0\u511f\u3002<\/p>\n\n\n\n<p>\u4e00\u822c\u800c\u8a00\uff0c\u7d14\u4eba\u58fd\u4fdd\u96aa\u4e0d\u53d7\u5730\u5340\u9650\u5236\uff0c\u5373\u4f7f\u6295\u4fdd\u4eba\/\u53d7\u4fdd\u4eba\u5728\u4fdd\u969c\u671f\u5167\u65c5\u904a\u6216<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/how-to-deal-with-insurance-policies-before-immigration\/\">\u79fb\u6c11<\/a>\u5f8c\u4e0d\u5e78\u96e2\u4e16\uff0c\u53d7\u76ca\u4eba\u4ecd\u53ef\u5f97\u5230\u8ce0\u511f\u3002\u4e0d\u904e\u5927\u524d\u63d0\u662f\u5728\u79fb\u6c11\u524d\u53ca\u5165\u7c4d\u5176\u4ed6\u570b\u5bb6\u4e4b\u5f8c\uff0c\u901a\u77e5\u4fdd\u96aa\u516c\u53f8\uff0c\u4ee5\u514d\u56e0\u6c92\u6709\u901a\u77e5\u4fdd\u96aa\u516c\u53f8\u500b\u4eba\u8cc7\u6599\u6709\u66f4\u52d5\u800c\u6700\u7d42\u5f71\u97ff\u53ef\u5f97\u8ce0\u511f\u3002\u56e0\u6b64\uff0c\u5f37\u70c8\u5efa\u8b70\u5927\u5bb6\u65bc\u79fb\u6c11\u4e4b\u524d\uff0c\u5fc5\u9808\u4ed4\u7d30\u8a62\u554f\u597d\u4fdd\u96aa\u516c\u53f8\uff0c\u6301\u6709\u4e4b\u4fdd\u55ae\u80fd\u5426\u5728\u79fb\u6c11\u5916\u5730\u5f8c\u7e7c\u7e8c\u751f\u6548\u3002<\/p>\n\n\n\n<p>\u6709\u95dc\u79fb\u6c11\u524d\u4fdd\u55ae\u6574\u5408\u554f\u984c\uff0c\u53ef\u700f\u89bd\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/how-to-deal-with-insurance-policies-before-immigration\/\">\u3010\u79fb\u6c11\u4fdd\u96aa\u3011\u79fb\u6c11\u524d\u4fdd\u55ae\u6574\u5408\u5c0f\u8cbc\u58eb<\/a>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u597d\u86553\uff1a\u7d14\u4eba\u58fd\u4fdd\u96aa\u5f48\u6027\u5927<\/strong><\/h2>\n\n\n\n<p>\u7d14\u4eba\u58fd\u4fdd\u96aa\u7684\u53e6\u4e00\u597d\u8655\u5728\u65bc\u5f48\u6027\u8f03\u5927\uff0c\u9069\u5408\u4e0d\u540c\u4eba\u58eb\u9748\u6d3b\u5730\u61c9\u5c0d\u4eba\u751f\u4e0d\u540c\u968e\u6bb5\u7684\u98a8\u96aa\u898f\u907f\u9700\u8981\u3002\u4f8b\u5982\u5b50\u5973\u525b\u51fa\u4e16\u3001\u7236\u6bcd\u9000\u4f11\u3001\u4e0a\u8eca\u8cb7\u6a13\u958b\u59cb\u7533\u8fa6\u6309\u63ed\u7b49\u7b49\uff0c\u4eba\u751f\u9700\u8981\u4e0d\u540c\u7a0b\u5ea6\u7684\u984d\u5916\u98a8\u96aa\u4fdd\u969c\u6642\uff0c\u5f48\u6027\u8f03\u5927\u7684\u7d14\u4eba\u58fd\u4fdd\u96aa\u4fbf\u53ef\u4ee5\u767c\u63ee\u4f5c\u7528\uff0c\u6210\u70ba\u4e00\u7a2e\u4e0d\u932f\u7684\u6295\u4fdd\u9078\u64c7\u3002<\/p>\n\n\n\n<p>\u5e02\u9762\u4e0a\u5927\u591a\u7d14\u4eba\u58fd\u4fdd\u96aa\u8f03\u7121\u5f48\u6027\uff0c\u7e8c\u4fdd\u6642\u672a\u80fd\u56e0\u61c9\u4eba\u751f\u7684\u8f49\u8b8a\u800c\u66f4\u6539\u8a08\u5283\uff0c\u4e0d\u904e\u82e5\u6295\u4fdd\u4e86Blue\u7684\u300cWeCare\u9748\u6d3b\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283TF1\u300d\uff0c\u6295\u4fdd\u4eba\u5c31\u53ef\u4ee5\u81ea\u7531\u9078\u64c7\u4fdd\u969c\u984d\u548c\u4fdd\u969c\u671f\uff0c\u6309\u500b\u4eba\u9700\u8981\u9748\u6d3b\u8abf\u6574\u6216\u66f4\u6539\u8a08\u5283\uff0c\u66f4\u7121\u9700\u652f\u4ed8\u984d\u5916\u7684\u624b\u7e8c\u8cbb*\uff0c\u56e0\u6b64\u66f4\u80fd\u5207\u5408\u5927\u5bb6\u96a8\u6642\u65e5\u800c\u6709\u6240\u6539\u8b8a\u7684\u9700\u8981\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<h1 class=\"wp-block-heading\"><strong>Blue WeCare\u4eba\u58fd\u4fdd\u969c\u8a08\u5283\u7cfb\u5217\u4eba\u4eba\u8ca0\u64d4\u5f97\u5230<\/strong><\/h1>\n\n\n\n<p>\u8ab0\u8aaa\u4eba\u58fd\u4fdd\u96aa\u5c31\u662f\u4e00\u4efd\u6b7b\u677f\u7684\u5408\u7d04\uff1f\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-flexible-term-life-protection-plan-1\">WeCare \u9748\u6d3b\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TF1<\/a>\u300d\u9748\u6d3b\u4fbf\u6377\uff0c\u50f9\u683c\u76f8\u5b9c\uff0c\u662f\u8b93\u4f60\u53ef\u6309\u751f\u6d3b\u4e0d\u540c\u8b8a\u5316\u9748\u6d3b\u66f4\u6539\u7684\u5b9a\u671f\u58fd\u96aa\u8a08\u5283*\u3002\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-term-life-protection-plan-3\">WeCare \u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TL3<\/a>\u300d\u4fdd\u969c\u984d\u66f4\u7531HK$25\u81f3550\u842c\u4e0d\u7b49\uff0c\u4ee5\u76f8\u5b9c\u4fdd\u8cbb\u63d0\u4f9b\u7d14\u4eba\u58fd\u4fdd\u969c\uff0c\u7121\u5132\u84c4\u6210\u5206\uff0c\u70ba\u4f60\u53ca\u5bb6\u4eba\u63d0\u4f9b\u66f4\u5168\u9762\u4fdd\u969c\uff01<\/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\">\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>*\u4efb\u4f55\u6642\u9593\uff0c\u5f9e\u4fdd\u55ae\u751f\u6548\u65e5 \/ \u4e0a\u4e00\u500b\u4fdd\u55ae\u5468\u5e74\u65e5\u8d77\u8a0812\u500b\u6708\u5167\uff0c\u4f60\u6700\u591a\u53ef\u9032\u884c2\u6b21\u8a08\u5283\u66f4\u6539\u3002<\/p>\n\n\n\n<p>\u7522\u54c1\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1\u76f8\u95dc\u7522\u54c1\u6982\u8981\u53ca\u4fdd\u55ae\u689d\u6b3e\u3002<\/p>\n\n\n\n<p><strong>\u514d\u8cac\u8072\u660e\uff1a <\/strong>\u672c\u6587\u520a\u8f09\u7684\u8cc7\u6599\u53ea\u4f9b\u53c3\u8003\uff0cBlue\u4e0d\u4fdd\u8b49\u8cc7\u8a0a\u7684\u5b8c\u6574\u6027\u548c\u6e96\u78ba\u6027\u3002\u5c0d\u65bc\u4f60\u56e0\u672c\u6587\u520a\u8f09\u7684\u4efb\u4f55\u8cc7\u8a0a\u800c\u53ef\u80fd\u62db\u81f4\u7684\u640d\u5931\u3001\u640d\u5bb3\u8ce0\u511f\u3001\u8a1f\u8cbb\u6216\u5176\u4ed6\u958b\u652f\u53ca\u8cac\u4efb\uff0cBlue\u6982\u4e0d\u8ca0\u8cac\u3002\u4ee5\u4e0a\u6240\u5217\u7684\u7522\u54c1\u8cc7\u6599\u53ea\u4f9b\u53c3\u8003\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\u3002\u6709\u95dc\u7522\u54c1\u4e4b\u4fdd\u969c\u6b0a\u76ca\u53ca\u689d\u6b3e\u3001\u4e0d\u4fdd\u4e8b\u9805\u53ca\u4e3b\u8981\u98a8\u96aa\u8a73\u60c5\uff0c\u8acb\u53c3\u95b1Blue\u7db2\u7ad9\u3001\u7522\u54c1\u6982\u8981\u53ca\u4fdd\u55ae\u689d\u6b3e\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:\/\/www.10life.com\/products?locale=zh-TW&amp;category=term-life-insurance&amp;filters=%7B%7D\">10LIFE &#8211; \u6bd4\u8f03\u5e02\u5834\u591a\u500b\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u7684\u4fdd\u8cbb\u8207\u6027\u50f9\u6bd4\uff01<\/a> <br><a href=\"https:\/\/www.10life.com\/blog\/Comparing-Common-Exclusions-on-Life-vs-General-Insurance?locale=zh-TW\">10LIFE &#8211; 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