{"id":15538,"date":"2026-08-27T19:28:49","date_gmt":"2026-08-27T11:28:49","guid":{"rendered":"https:\/\/www.blue.com.hk\/blog\/?p=15538"},"modified":"2026-08-27T19:28:50","modified_gmt":"2026-08-27T11:28:50","slug":"vhis-vs-critical-illness-insurance-comparison-guide","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/vhis-vs-critical-illness-insurance-comparison-guide","title":{"rendered":"\u3010\u4fdd\u969c\u4e8c\u9078\u4e00\uff1f\u3011\u89e3\u69cb\u81ea\u9858\u91ab\u4fddvs\u5371\u75be\u4fdd\u96aa4\u5927\u5206\u5225 \u6700\u5f37\u4e92\u88dc\u914d\u642d\u6307\u5357"},"content":{"rendered":"\n<p>\u9762\u5c0d\u65e5\u76ca\u9ad8\u6602\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u8d8a\u4f86\u8d8a\u591a\u9999\u6e2f\u4eba\u610f\u8b58\u5230\u5065\u5eb7\u4fdd\u969c\u7684\u91cd\u8981\u6027\u3002\u4f46\u5728\u898f\u5283\u4fdd\u96aa\u6642\uff0c\u4e0d\u5c11\u4eba\u90fd\u6703\u9047\u5230\u540c\u4e00\u500b\u7591\u554f\uff1a\u5230\u5e95\u61c9\u8a72\u8cb7\u81ea\u9858\u91ab\u4fdd\u9084\u662f\u5371\u75be\u4fdd\u96aa\uff1f\u5169\u8005\u53ea\u80fd\u4e8c\u9078\u4e00\u55ce\uff1f\u91d0\u6e05\u81ea\u9858\u91ab\u4fdd vs \u5371\u75be\u4fdd\u96aa\u5206\u5225\uff0c\u662f\u69cb\u5efa\u5168\u9762\u5065\u5eb7\u9632\u7dda\u7684\u7b2c\u4e00\u6b65\u3002<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\">Blue\u4fdd\u96aa\u9054\u4eba<\/a>\u5c07\u70ba\u4f60\u6df1\u5165\u62c6\u89e3\u90192\u7a2e\u4fdd\u96aa\u7684\u672c\u8cea\u5dee\u7570\uff0c\u5e36\u4f60\u4e86\u89e3\u5982\u4f55\u5229\u7528\u6700\u5f37\u7684\u4e92\u88dc\u914d\u642d\uff0c\u70ba\u81ea\u5df1\u53ca\u5bb6\u4eba\u586b\u88dc\u4fdd\u969c\u7f3a\u53e3\u98a8\u96aa\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u62c6\u89e3\u81ea\u9858\u91ab\u4fdd\u5371\u75be\u4fdd\u96aa\u57fa\u672c\u5206\u5225<\/h2>\n\n\n\n<p>\u5f88\u591a\u7406\u8ca1\u65b0\u624b\u5728\u63a5\u89f8\u4fdd\u96aa\u521d\u671f\uff0c\u5e38\u5e38\u56e0\u70ba\u4e0d\u4e86\u89e3\u5371\u75be\u4fdd\u548c\u91ab\u7642\u4fdd\u7684\u5206\u5225\uff0c\u5c07\u5169\u8005\u6df7\u70ba\u4e00\u8ac7\uff0c\u4ee5\u70ba\u8cb7\u4e86\u91ab\u4fdd\u5c31\u7b49\u65bc\u6709\u4e86\u5927\u75c5\u4fdd\u969c\u3002\u4e8b\u5be6\u4e0a\uff0c\u5169\u8005\u7684\u8a2d\u8a08\u539f\u610f\u8207\u7406\u8ce0\u908f\u8f2f\u622a\u7136\u4e0d\u540c\uff0c\u5728\u61c9\u5c0d\u91cd\u5927\u75be\u75c5\u6642\u5404\u81ea\u626e\u6f14\u8457\u4e0d\u53ef\u66ff\u4ee3\u7684\u89d2\u8272\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u81ea\u9858\u91ab\u4fdd\u8207\u5371\u75be\u4fdd\u96aa\u7684\u4e3b\u8981\u5206\u5225\u662f\u4ec0\u9ebc\uff1f\u5be6\u5831\u5be6\u92b7 vs \u4e00\u7b46\u904e\u73fe\u91d1<\/h3>\n\n\n\n<p>\u5371\u75be\u4fdd\u91ab\u7642\u4fdd\u5206\u5225\u6700\u6838\u5fc3\u5728\u65bc\u5169\u8005\u7684\u6295\u4fdd\u76ee\u7684\u3001\u4fdd\u969c\u7bc4\u570d\u8207\u7406\u8ce0\u65b9\u5f0f\u3002<\/p>\n\n\n\n<p>\u81ea\u9858\u91ab\u4fdd\u5c6c\u65bc\u91ab\u7642\u4fdd\u96aa\u7684\u4e00\u7a2e\uff0c\u63a1\u53d6\u5be6\u5831\u5be6\u92b7\u539f\u5247\u3002\u7576\u53d7\u4fdd\u4eba\u56e0\u75c5\u6216\u610f\u5916\u9700\u8981\u5165\u9662\u63a5\u53d7\u6cbb\u7642\u3001\u9032\u884c\u624b\u8853\u6216\u65e5\u9593\u7a0b\u5e8f\u6642\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u4fdd\u55ae\u689d\u6b3e\u53ca\u4fdd\u969c\u9650\u984d\uff0c\u5831\u92b7\u5be6\u969b\u7522\u751f\u7684\u91ab\u7642\u958b\u652f\u3002\u5176\u76ee\u7684\u662f\u5e6b\u4f60\u652f\u4ed8\u91ab\u7642\u5e33\u55ae\uff0c\u8b93\u4f60\u80fd\u5920\u5b89\u5fc3\u9078\u64c7\u79c1\u71df\u91ab\u7642\u670d\u52d9\uff0c\u6e1b\u8f15\u516c\u7acb\u91ab\u9662\u8f2a\u5019\u6642\u9593\u9577\u7684\u5f71\u97ff\u3002<\/p>\n\n\n\n<p>\u76f8\u53cd\uff0c\u5371\u75be\u4fdd\u96aa\u5247\u662f\u63d0\u4f9b\u4e00\u7b46\u904e\u73fe\u91d1\u8ce0\u511f\u3002\u7576\u53d7\u4fdd\u4eba\u88ab\u78ba\u8a3a\u60a3\u4e0a\u4fdd\u55ae\u5167\u6db5\u84cb\u7684\u6307\u5b9a\u56b4\u91cd\u75be\u75c5\uff08\u5982\u764c\u75c7\u3001\u4e2d\u98a8\u3001\u5fc3\u81df\u75c5\u767c\u4f5c\u7b49\uff09\uff0c\u4e14\u7b26\u5408\u76f8\u95dc\u91ab\u5b78\u5b9a\u7fa9\uff0c\u4fdd\u96aa\u516c\u53f8\u4fbf\u6703\u4e00\u7b46\u904e\u767c\u653e\u8ce0\u511f\u91d1\u984d\u3002\u9019\u7b46\u9322\u7684\u7528\u9014\u5b8c\u5168\u7531\u4f60\u81ea\u7531\u652f\u914d\uff0c\u4e0d\u53d7\u9650\u5236\u3002\u4e86\u89e3\u5169\u8005\u5206\u5225\uff0c\u6709\u52a9\u6211\u5011\u66f4\u7cbe\u6e96\u5730\u5c07\u8cc7\u6e90\u5206\u914d\u5728\u6b63\u78ba\u7684\u4fdd\u969c\u7f3a\u53e3\u4e0a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u81ea\u9858\u91ab\u4fdd\u5305\u5514\u5305\u5371\u75be\uff1f<\/h3>\n\n\n\n<p>\u4e0d\u5c11\u4eba\u6703\u7591\u60d1\uff1a\u81ea\u9858\u91ab\u4fdd\u662f\u5426\u6db5\u84cb\u5371\u75be\uff1f\u7b54\u6848\u662f\uff1a\u6db5\u84cb\u91ab\u7642\u8cbb\uff0c\u4f46\u4e0d\u5305\u62ec\u751f\u6d3b\u8cbb\u3002<\/p>\n\n\n\n<p>\u7576\u4f60\u60a3\u4e0a\u5371\u75be\uff08\u4f8b\u5982\u4e0d\u5e78\u78ba\u8a3a\u764c\u75c7\uff09\uff0c\u81ea\u9858\u91ab\u4fdd\u6703\u70ba\u4f60\u5728\u91ab\u9662\u63a5\u53d7\u7684\u5408\u8cc7\u683c\u6cbb\u7642\uff08\u5982\u624b\u8853\u8cbb\u3001\u4f4f\u9662\u8cbb\u3001\u751a\u81f3\u90e8\u5206\u8a08\u5283\u6db5\u84cb\u7684\u6a19\u9776\u85e5\u7269\u53ca\u96fb\u7642\u7b49\uff09\u9032\u884c\u5be6\u5831\u5be6\u92b7\u7684\u8ce0\u511f\u3002\u7136\u800c\uff0c\u5b83\u4e0d\u6703\u76f4\u63a5\u56e0\u70ba\u4f60\u78ba\u8a3a\u5371\u75be\u800c\u81ea\u52d5\u767c\u653e\u4e00\u7b46\u73fe\u91d1\u7d66\u4f60\u3002\u56e0\u6b64\uff0c\u82e5\u63a2\u8a0e\u81ea\u9858\u91ab\u4fdd\u548c\u5371\u75be\u4fdd\u96aa\u7684\u6db5\u84cb\u7bc4\u570d\uff0c\u5169\u8005\u5176\u5be6\u662f\u5206\u5de5\u5408\u4f5c\u7684\u95dc\u4fc2\u2014\u2014\u91ab\u4fdd\u66ff\u4f60\u4ed8\u91ab\u85e5\u8cbb\uff0c\u800c\u5371\u75be\u4fdd\u96aa\u5247\u70ba\u4f60\u63d0\u4f9b\u6cbb\u75c5\u671f\u9593\u7684\u73fe\u91d1\u6d41\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%e5%81%a5%e5%ba%b7%e8%b3%87%e8%a8%8a\/understanding-targeted-therapy-principles\">\u5403\u6a19\u9776\u85e5\u9084\u53ef\u751f\u5b58\u591a\u4e45\uff1f\u50f9\u9322\u53ca\u8cc7\u52a9\u8cc7\u683c\uff1f\u6a19\u9776\u85e5\u539f\u7406\u53ca\u526f\u4f5c\u7528<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u81ea\u9858\u91ab\u4fdd vs \u5371\u75be\u4fdd\u96aa\uff1a\u4fdd\u969c\u7bc4\u570d\u3001\u4fdd\u8cbb\u8207\u7406\u8ce0\u6a5f\u5236\u5c0d\u6bd4<\/h2>\n\n\n\n<p>\u70ba\u4e86\u8b93\u5927\u5bb6\u66f4\u6e05\u6670\u5730\u6bd4\u8f03\u81ea\u9858\u91ab\u4fdd\u8207\u5371\u75be\u4fdd\u7684\u7d30\u7bc0\uff0c\u6211\u5011\u6574\u7406\u4e86\u4ee5\u4e0b\u8868\u683c\uff0c\u5e6b\u52a9\u4f60\u4e00\u76ee\u4e86\u7136\u5730\u770b\u6e05\u5169\u8005\u7684\u5dee\u7570\uff1a<\/p>\n\n\n<style>.kb-table-container15538_615bed-64{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container15538_615bed-64 .kb-table15538_615bed-64{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container15538_615bed-64 .kb-table15538_615bed-64 thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container15538_615bed-64 .kb-table15538_615bed-64 thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container15538_615bed-64 .kb-table15538_615bed-64 tbody tr:last-child td:first-child, .kb-table-container15538_615bed-64 .kb-table15538_615bed-64 tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container15538_615bed-64 .kb-table15538_615bed-64 tbody tr:last-child td:last-child, .kb-table-container15538_615bed-64 .kb-table15538_615bed-64 tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container15538_615bed-64{overflow-x:auto;}.kb-table-container .kb-table15538_615bed-64 th{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:var(--ast-global-color-4);padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table15538_615bed-64 th ul, .kb-table-container .kb-table15538_615bed-64 th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15538_615bed-64 td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table15538_615bed-64 td ul, .kb-table-container .kb-table15538_615bed-64 td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table15538_615bed-64 td:nth-of-type(0){background-color:#63a7ff;}.kb-table-container .kb-table15538_615bed-64 th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table15538_615bed-64 td, .kb-table15538_615bed-64 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}@media all and (max-width: 1024px){.kb-table-container .kb-table15538_615bed-64 td, .kb-table15538_615bed-64 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}@media all and (max-width: 767px){.kb-table-container .kb-table15538_615bed-64 td, .kb-table15538_615bed-64 th{border-top:1px solid #eef2f8;border-right:1px solid #eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}<\/style><div class=\"kb-table-container kb-table-container15538_615bed-64 wp-block-kadence-table\"><table class=\"kb-table kb-table15538_615bed-64\">\n<tr class=\"kb-table-row kb-table-row15538_886150-4f\">\n<th class=\"kb-table-data kb-table-data15538_500c9f-99\">\n\n<p><strong>\u6bd4\u8f03\u9805\u76ee<\/strong><\/p>\n\n<\/15538_500c9f-99>\n\n<th class=\"kb-table-data kb-table-data15538_d25bc4-b0\">\n\n<p><strong>\u81ea\u9858\u91ab\u4fdd (VHIS)<\/strong><\/p>\n\n<\/15538_d25bc4-b0>\n\n<th class=\"kb-table-data kb-table-data15538_87dd18-35\">\n\n<p><strong>\u5371\u75be\u4fdd\u96aa<\/strong><\/p>\n\n<\/15538_87dd18-35>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15538_4d965e-cc\">\n<th class=\"kb-table-data kb-table-data15538_217e73-54\">\n\n<p><strong>\u7406\u8ce0\u6a5f\u5236<\/strong><\/p>\n\n<\/15538_217e73-54>\n\n<td class=\"kb-table-data kb-table-data15538_964e6e-18\">\n\n<p><strong>\u5be6\u5831\u5be6\u92b7<\/strong>\uff1a\u6191\u91ab\u7642\u6536\u64da\u7d22\u511f\uff0c\u8ce0\u511f\u984d\u4e0d\u6703\u8d85\u904e\u5be6\u969b\u958b\u652f\u6216\u4fdd\u55ae\u4e0a\u9650\u3002<\/p>\n\n<\/15538_964e6e-18>\n\n<td class=\"kb-table-data kb-table-data15538_202598-f3\">\n\n<p><strong>\u4e00\u7b46\u904e\u73fe\u91d1\u8ce0\u511f<\/strong>\uff1a\u78ba\u8a3a\u6307\u5b9a\u75be\u75c5\u5373\u6309\u4fdd\u984d\u5168\u6578\uff08\u6216\u6309\u6bd4\u4f8b\uff09\u8ce0\u511f\uff0c\u7121\u9808\u63d0\u4f9b\u91ab\u7642\u6536\u64da\u3002<\/p>\n\n<\/15538_202598-f3>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15538_f22e21-54\">\n<th class=\"kb-table-data kb-table-data15538_8616a3-05\">\n\n<p><strong>\u8cc7\u91d1\u7528\u9014\u9650\u5236<\/strong><\/p>\n\n<\/15538_8616a3-05>\n\n<td class=\"kb-table-data kb-table-data15538_bf6253-1c\">\n\n<p><strong>\u53ea\u9650\u91ab\u7642\u958b\u652f<\/strong>\uff1a\u50c5\u53ef\u7528\u4f5c\u652f\u4ed8\u5408\u8cc7\u683c\u7684\u4f4f\u9662\u3001\u624b\u8853\u3001\u91ab\u751f\u5de1\u623f\u7b49\u91ab\u7642\u8cbb\u7528\u3002<\/p>\n\n<\/15538_bf6253-1c>\n\n<td class=\"kb-table-data kb-table-data15538_3d3304-d7\">\n\n<p><strong>\u7121\u9650\u5236\u81ea\u7531\u652f\u914d<\/strong>\uff1a\u53ef\u7528\u4f5c\u652f\u4ed8\u975e\u50b3\u7d71\u7642\u6cd5\u3001\u4fdd\u5065\u54c1\uff0c\u751a\u81f3\u7528\u4f5c\u4ea4\u79df\u3001\u4f9b\u6a13\u53ca\u5bb6\u5ead\u65e5\u5e38\u958b\u652f\u3002<\/p>\n\n<\/15538_3d3304-d7>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15538_a02eef-37\">\n<th class=\"kb-table-data kb-table-data15538_ee2bc1-39\">\n\n<p><strong>\u89f8\u767c\u7406\u8ce0\u689d\u4ef6<\/strong><\/p>\n\n<\/15538_ee2bc1-39>\n\n<td class=\"kb-table-data kb-table-data15538_f5fc38-7e\">\n\n<p><strong>\u5165\u9662\u6216\u63a5\u53d7\u6307\u5b9a\u91ab\u7642\u7a0b\u5e8f<\/strong>\uff1a\u4e0d\u8ad6\u5927\u75c5\u5c0f\u75db\uff08\u5982\u5272\u76f2\u8178\u3001\u7167\u80c3\u93e1\uff09\uff0c\u53ea\u8981\u6709\u91ab\u7642\u9700\u8981\u53ca\u7b26\u5408\u689d\u6b3e\u5373\u53ef\u7d22\u511f\u3002<\/p>\n\n<\/15538_f5fc38-7e>\n\n<td class=\"kb-table-data kb-table-data15538_52d0c4-ee\">\n\n<p><strong>\u78ba\u8a3a\u6307\u5b9a\u56b4\u91cd\u75be\u75c5<\/strong>\uff1a\u5fc5\u9808\u78ba\u8a3a\u4fdd\u55ae\u4e0a\u5217\u660e\u7684\u56b4\u91cd\u75be\u75c5\uff08\u5982\u764c\u75c7\u3001\u4e2d\u98a8\u53ca\u5fc3\u81df\u75c5\u767c\u4f5c\u7b49\uff09\uff0c\u4e26\u7b26\u5408\u56b4\u683c\u7684\u91ab\u5b78\u5b9a\u7fa9\u3002<\/p>\n\n<\/15538_52d0c4-ee>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row15538_2932aa-74\">\n<th class=\"kb-table-data kb-table-data15538_10ab99-db\">\n\n<p><strong>\u4fdd\u8cbb\u7d50\u69cb<\/strong><\/p>\n\n<\/15538_10ab99-db>\n\n<td class=\"kb-table-data kb-table-data15538_6c6fed-24\">\n\n<p><strong>\u6309\u5e74\u9f61\u905e\u589e<\/strong>\uff1a\u4fdd\u8cbb\u901a\u5e38\u6703\u96a8\u8457\u53d7\u4fdd\u4eba\u5e74\u9f61\u589e\u9577\u53ca\u91ab\u7642\u901a\u8139\u800c\u6309\u5e74\u8abf\u6574\u3002<\/p>\n\n<\/15538_6c6fed-24>\n\n<td class=\"kb-table-data kb-table-data15538_d8a0c7-ac\">\n\n<p><strong>\u8996\u4e4e\u8a08\u5283\u985e\u578b<\/strong>\uff1a\u90e8\u5206\u9577\u671f\u5371\u75be\u63a1\u7528\u6c34\u5e73\u5f0f\u4fdd\u8cbb\uff08\u6295\u4fdd\u6642\u9396\u5b9a\u4fdd\u8cbb\uff09\uff1b\u800c\u7d14\u5371\u75be\u4fdd\u96aa\u5247\u901a\u5e38\u96a8\u5e74\u9f61\u6309\u5e74\u8abf\u6574\u4fdd\u8cbb\u3002<\/p>\n\n<\/15538_d8a0c7-ac>\n<\/tr>\n<\/table><\/div>\n\n\n<p><\/p>\n\n\n\n<p>\u50b3\u7d71\u4e0a\uff0c\u9577\u671f\u5371\u75be\u8a08\u5283\u591a\u63a1\u7528\u6c34\u5e73\u5f0f\u4fdd\u8cbb\uff0c\u800c\u5e02\u5834\u4e0a\u4e00\u822c\u7684\u7d14\u5371\u75be\u4fdd\u96aa\u5247\u901a\u5e38\u6703\u96a8\u5e74\u9f61\u589e\u9577\u800c\u6309\u5e74\u52a0\u50f9\u3002\u4e0d\u904e\uff0c\u73fe\u5728\u4ea6\u6709\u7a81\u7834\u5e38\u898f\u7684\u9ad8\u6027\u50f9\u6bd4\u9078\u64c7\u3002\u4f8b\u5982Blue\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-critical-illness-protection-plan-1\">WeCare \u5371\u75be\u4fdd\u969c\u8a08\u52831<\/a>\u300d \u4f5c\u70ba\u7d14\u5371\u75be\u7522\u54c1\u537b\u540c\u6a23\u63d0\u4f9b\u6c34\u5e73\u5f0f\u4fdd\u8cbb\uff0c\u5728\u4fdd\u8b49\u671f\u5167\u4fdd\u8cbb\u9396\u5b9a\u4e0d\u8b8a\uff0c\u8b93\u4f60\u53ef\u4ee5\u76f8\u5b9c\u7684\u9810\u7b97\uff0c\u7121\u61fc\u5e74\u9f61\u589e\u9577\u5e36\u4f86\u7684\u52a0\u50f9\u58d3\u529b\uff0c\u5b89\u5fc3\u9396\u5b9a\u672a\u4f86\u7684\u5371\u75be\u4fdd\u969c\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-critical-illness-protection-plan-1?discountCode=BLOGCI1\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/06\/image-1.png\" alt=\"Article - WeCare CI1 - blog\" style=\"width:1100px;height:auto\"\/><\/a><\/figure>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98\/understanding-claim-insurance-process\">\u60f3\u7e2e\u77edClaim\u4fdd\u96aa\u6642\u9593\uff1f\u638c\u63e1Claim\u4fdd\u96aa\u6d41\u7a0b\u3001\u6280\u5de7\uff0c\u7d22\u511f\u7121\u96e3\u5ea6\uff01<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4fdd\u969c\u4e8c\u9078\u4e00\u53ef\u884c\u55ce\uff1f\u81ea\u9858\u91ab\u4fdd\u8207\u5371\u75be\u4fdd\u96aa\u7684\u5229\u5f0a\u8207\u4e92\u88dc\u50f9\u503c<\/h2>\n\n\n\n<p>\u8a31\u591a\u9810\u7b97\u6709\u9650\u7684\u5e74\u8f15\u4eba\u6703\u7336\u8c6b\uff0c\u5230\u5e95\u61c9\u8a72\u5148\u8cb7\u54ea\u4e00\u7a2e\uff1f\u4e8b\u5be6\u4e0a\uff0c\u8981\u61c9\u5c0d\u7a81\u5982\u5176\u4f86\u7684\u5927\u75c5\uff0c\u55ae\u9760\u55ae\u4e00\u96aa\u7a2e\u5f80\u5f80\u6703\u51fa\u73fe\u4fdd\u969c\u76f2\u9ede\u3002\u4e86\u89e3\u81ea\u9858\u91ab\u4fdd\u5371\u75be\u5206\u5225\u5f8c\uff0c\u6211\u5011\u4f86\u76e4\u9ede\u4e00\u4e0b\u5404\u81ea\u7684\u512a\u7f3a\u9ede\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u76e4\u9ede<\/strong><strong>\u81ea\u9858\u91ab\u4fdd<\/strong><strong>\u8207<\/strong><strong>\u5371\u75be<\/strong><strong>\u4fdd\u512a\u7f3a\u9ede<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u81ea\u9858\u91ab\u4fdd<\/li>\n<\/ul>\n\n\n\n<p><strong>\u512a\u9ede\uff1a<\/strong>\u6db5\u84cb\u7bc4\u570d\u5ee3\u6cdb\uff0c\u4e0d\u9650\u65bc\u56b4\u91cd\u75be\u75c5\uff0c\u4e00\u822c\u50b7\u75c5\u5165\u9662\u6216\u65e5\u9593\u624b\u8853\u5747\u53ef\u7406\u8ce0\uff1b\u4fdd\u8cbb\u5177\u900f\u660e\u5ea6\u4e14\u53ef\u4eab\u7a05\u52d9\u6263\u6e1b\u512a\u60e0\uff0c\u6bcf\u540d\u53d7\u4fdd\u4eba\u6bcf\u5e74\u7684\u4fdd\u8cbb\u6263\u7a05\u984d\u4e0a\u9650\u70ba HK$8,000\uff0c\u70ba\u914d\u5076\u53ca\u5b50\u5973\u6295\u4fdd\u4ea6\u53ef\u5206\u5225\u7533\u8acb\u3002<\/p>\n\n\n\n<p><strong>\u7f3a\u9ede\uff1a<\/strong>\u8a2d\u6709\u6bcf\u500b\u4fdd\u969c\u9805\u76ee\u7684\u8ce0\u511f\u4e0a\u9650\uff08\u90e8\u5206\u9ad8\u7aef\u91ab\u4fdd\u9664\u5916\uff09\uff1b\u7121\u6cd5\u88dc\u8cbc\u56e0\u75c5\u505c\u5de5\u5c0e\u81f4\u7684\u6536\u5165\u640d\u5931\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5371\u75be\u4fdd<\/li>\n<\/ul>\n\n\n\n<p><strong>\u512a\u9ede\uff1a<\/strong>\u4e00\u7b46\u904e\u8ce0\u511f\u91d1\u984d\u7528\u9014\u7121\u9650\u5236\uff0c\u5b8c\u7f8e\u89e3\u6c7a\u6cbb\u75c5\u671f\u9593\u7684\u96b1\u6027\u958b\u652f\u53ca\u751f\u6d3b\u8cbb\u554f\u984c\uff1b\u4fdd\u969c\u91d1\u984d\u660e\u78ba\uff0c\u589e\u5f37\u8ca1\u52d9\u5b89\u5168\u611f\u3002<\/p>\n\n\n\n<p><strong>\u7f3a\u9ede\uff1a<\/strong>\u7406\u8ce0\u9580\u6abb\u8f03\u9ad8\uff0c\u5fc5\u9808\u78ba\u8a3a\u6307\u5b9a\u5371\u75be\u624d\u80fd\u7372\u5f97\u8ce0\u511f\uff1b\u5982\u679c\u53ea\u8cb7\u50b3\u7d71\u5371\u75be\u4fdd\u96aa\uff0c\u7576\u9762\u5c0d\u4e00\u822c\u975e\u5371\u75be\u7684\u4f4f\u9662\u624b\u8853\u6642\uff0c\u4fbf\u9700\u81ea\u638f\u8170\u5305\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u81ea\u9858\u91ab\u4fdd\u540c\u5371\u75be\u4fdd\u96aa\u53ef\u5514\u53ef\u4ee5\u4e00\u9f4a\u8cb7\uff1f<\/h3>\n\n\n\n<p>\u81ea\u9858\u91ab\u4fdd\u540c\u5371\u75be\u4fdd\u96aa\u7d55\u5c0d\u53ef\u4ee5\u4e00\u9f4a\u8cb7\uff0c\u800c\u4e14\u7406\u8ca1\u5c08\u5bb6\u5f37\u70c8\u5efa\u8b70\u5c07\u5169\u8005\u540c\u6642\u914d\u7f6e\uff01\u5927\u75c5\u5f80\u5f80\u610f\u5473\u8457\u9700\u8981\u9577\u6642\u9593\u4f11\u990a\uff0c\u751a\u81f3\u53ef\u80fd\u9762\u81e8\u88ab\u8fad\u9000\u7684\u98a8\u96aa\u3002\u5728\u8a0e\u8ad6\u81ea\u9858\u91ab\u4fdd\u8207\u5371\u75be\u4fdd\u96aa\u7684\u914d\u7f6e\u7b56\u7565\u6642\uff0c\u6211\u5011\u901a\u5e38\u5efa\u8b70\u63a1\u7528\u300c\u96d9\u528d\u5408\u74a7\u300d\u7684\u7b56\u7565\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u91ab\u4fdd\u8ca0\u8cac\uff1a\u8f49\u79fb\u9f90\u5927\u7684\u91ab\u7642\u958b\u652f\u98a8\u96aa\uff0c\u8b93\u4f60\u6562\u65bc\u4f7f\u7528\u66f4\u512a\u8cea\u3001\u5feb\u6377\u7684\u79c1\u5bb6\u91ab\u7642\u670d\u52d9\u3002<\/li>\n\n\n\n<li>\u5371\u75be\u8ca0\u8cac\uff1a\u586b\u88dc\u91ab\u75c5\u671f\u9593\u3001\u624b\u505c\u53e3\u505c\u7684\u6536\u5165\u640d\u5931\uff0c\u78ba\u4fdd\u5bb6\u5ead\u751f\u6d3b\u8cea\u7d20\u4e0d\u53d7\u5f71\u97ff\uff0c\u6309\u63ed\u53ca\u5b50\u5973\u5b78\u8cbb\u4e0d\u6703\u65b7\u4f9b\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/vhis-all-you-need-to-know-about\">\u3010\u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u61f6\u4eba\u5305\u3011\u4fdd\u969c\u7bc4\u570d\u3001\u4fdd\u8cbb\u53ca\u6263\u7a05\u9ede\u8a08\u6cd5<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u60c5\u5883\u4f8b\u5b50\uff1a\u81ea\u9858\u91ab\u4fdd\u8207\u5371\u75be\u4fdd\u5982\u4f55\u5f37\u5f37\u806f\u624b\uff1f<\/h2>\n\n\n\n<p>\u8a66\u60f3\u50cf\u4e00\u500b\u771f\u5be6\u60c5\u5883\uff1a35\u6b72\u7684\u9673\u5148\u751f\u4e0d\u5e78\u78ba\u8a3a\u65e9\u671f\u764c\u75c7\uff0c\u9700\u8981\u63a5\u53d7\u624b\u8853\u53ca\u4e00\u7cfb\u5217\u6a19\u9776\u6cbb\u7642\uff0c\u9810\u8a08\u91ab\u7642\u8cbb\u7528\u9ad8\u9054 HK$800,000\uff0c\u4e26\u4e14\u91ab\u751f\u5efa\u8b70\u4ed6\u505c\u5de5\u4f11\u990a\u4e00\u5e74\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4ed6\u53ea\u6709\u81ea\u9858\u91ab\u4fdd\uff0c\u4ed6\u96d6\u7136\u4e0d\u7528\u64d4\u5fc3\u90a3 HK$800,000\u7684\u91ab\u7642\u8cbb\uff0c\u4f46\u5728\u4f11\u990a\u7684\u9019\u4e00\u5e74\u88e1\uff0c\u4ed6\u5931\u53bb\u4e86\u6bcf\u500b\u6708 HK$30,000\u7684\u85aa\u91d1\u6536\u5165\u3002\u5bb6\u88e1\u7684\u4f9b\u6a13\u3001\u6c34\u96fb\u7164\u3001\u7236\u6bcd\u5bb6\u7528\u7b49\u958b\u652f\uff0c\u5c07\u8fc5\u901f\u8017\u76e1\u4ed6\u7684\u500b\u4eba\u5132\u84c4\uff0c\u69cb\u6210\u6975\u5927\u7cbe\u795e\u58d3\u529b\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4ed6\u540c\u6642\u914d\u7f6e\u4e86\u5169\u8005\uff0c\u60c5\u6cc1\u4fbf\u5927\u70ba\u4e0d\u540c\uff1a\u81ea\u9858\u91ab\u4fdd\u6703\u66ff\u4ed6\u5be6\u5831\u5be6\u92b7\u90a3 HK$800,000\u7684\u91ab\u7642\u8cbb\uff1b\u800c\u4ed6\u7684\u5371\u75be\u4fdd\u96aa\u5247\u6703\u4e00\u7b46\u904e\u8ce0\u511f HK$1,000,000\u3002\u9019\u7b46\u73fe\u91d1\u4e0d\u4f46\u80fd\u66ff\u4ee3\u4ed6\u4e00\u5e74\u7684\u85aa\u6c34\uff08\u7d04 HK$360,000\uff09\uff0c\u9918\u4e0b\u7684\u8cc7\u91d1\u9084\u80fd\u8b93\u4ed6\u8cfc\u8cb7\u4e2d\u85e5\u6216\u4fdd\u5065\u54c1\u8abf\u7406\u8eab\u9ad4\uff0c\u751a\u81f3\u8058\u8acb\u79c1\u5bb6\u770b\u8b77\u3002\u81ea\u9858\u91ab\u4fdd\u8207\u5371\u75be\u4fdd\u96aa\u7684\u4f5c\u7528\uff0c\u7d55\u975e\u4e92\u76f8\u6392\u65a5\uff0c\u800c\u662f\u5404\u53f8\u5176\u8077\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u516c\u53f8\u91ab\u7642\u798f\u5229\u5920\u7528\u55ce\uff1f\u6253\u5de5\u4ed4\u5982\u4f55\u8a08\u7b97\u5371\u75be\u4fdd\u984d\uff1f<\/h2>\n\n\n\n<p>\u8a31\u591a\u6253\u5de5\u4e00\u65cf\u5c0d\u5065\u5eb7\u4fdd\u969c\u5b58\u5728\u4e00\u7a2e\u932f\u89ba\uff0c\u4ee5\u70ba\u6709\u4e86\u516c\u53f8\u7684\u5718\u9ad4\u91ab\u7642\u798f\u5229\u4fbf\u842c\u7121\u4e00\u5931\uff0c\u4f46\u5176\u5be6\u516c\u53f8\u91ab\u7642\u8a08\u5283\u4fdd\u969c\u7bc4\u570d\u6709\u9650\uff0c\u672a\u5fc5\u80fd\u70ba\u6253\u5de5\u4ed4\u63d0\u4f9b\u5168\u9762\u4fdd\u969c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u679c\u5df2\u6709\u516c\u53f8\u91ab\u4fdd\uff0c\u4ef2\u9700\u5514\u9700\u8981\u8cb7\u81ea\u9858\u91ab\u4fdd\u6216\u5371\u75be\uff1f<\/h3>\n\n\n\n<p>\u7b54\u6848\u662f\u5341\u5206\u9700\u8981\u7684\u3002\u9996\u5148\uff0c\u516c\u53f8\u91ab\u4fdd\u901a\u5e38\u662f\u57fa\u672c\u4fdd\u969c\uff0c\u8a2d\u6709\u8f03\u4f4e\u7684\u7d22\u511f\u4e0a\u9650\uff08\u4f8b\u5982\u75c5\u623f\u53ca\u81b3\u98df\u8cbb\u6bcf\u65e5\u50c5\u6578\u767e\u5143\uff0c\u8907\u96dc\u624b\u8853\u8cbb\u4e0a\u9650\u53ef\u80fd\u50c5\u6578\u842c\u5143\uff09\uff0c\u5c0d\u65bc\u6cbb\u7642\u56b4\u91cd\u75be\u75c5\uff08\u5982\u52d5\u8f12\u6578\u5341\u842c\u7684\u764c\u75c7\u6cbb\u7642\uff09\u5f80\u5f80\u676f\u6c34\u8eca\u85aa\u3002\u5176\u6b21\uff0c\u6700\u5927\u7684\u7f3a\u9ede\u662f\u4fdd\u96aa\u8207\u50f1\u50ad\u95dc\u4fc2\u4e92\u76f8\u7d91\u7d81\u3002\u4e00\u65e6\u4f60\u56e0\u91cd\u75c5\u9700\u8981\u9577\u671f\u8acb\u5047\u751a\u81f3\u88ab\u8feb\u96e2\u8077\uff0c\u516c\u53f8\u91ab\u4fdd\u4fbf\u6703\u7acb\u5373\u5931\u6548\uff0c\u4f7f\u4f60\u5728\u6700\u9700\u8981\u4fdd\u969c\u7684\u6642\u5019\u9813\u5931\u4f9d\u9760\u3002\u56e0\u6b64\uff0c\u53ca\u65e9\u914d\u7f6e\u500b\u4eba\u7684\u81ea\u9858\u91ab\u4fdd\u3001\u5371\u75be\u4fdd\u96aa\uff0c\u624d\u662f\u771f\u6b63\u5c6c\u65bc\u81ea\u5df1\u7684\u5065\u5eb7\u9632\u7dda\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u5371\u75be\u61c9\u8a72\u8cb7\u5e7e\u591a\u9322\uff1f\u6253\u5de5\u4ed4\u5fc5\u5b78\u7684\u4fdd\u984d\u8a08\u6cd5<\/strong><\/h3>\n\n\n\n<p>\u4e86\u89e3\u81ea\u9858\u91ab\u4fdd\u8207\u5371\u75be\u4e4b\u5206\u5225\u5f8c\uff0c\u6c7a\u5b9a\u6295\u4fdd\u5371\u75be\u6642\uff0c\u4fdd\u984d\u61c9\u8a72\u5b9a\u5728\u591a\u5c11\u624d\u7b97\u8db3\u5920\uff1f\u4f60\u53ef\u4ee5\u6309\u4ee5\u4e0b4\u6b65\u9032\u884c\u7c21\u55ae\u4f30\u7b97\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u8a08\u7b97\u57fa\u672c\u751f\u6d3b\u958b\u652f\uff1a\u5efa\u8b70\u9810\u7559\u76f8\u7b49\u65bc2\u81f33\u5e74\u7684\u6bcf\u6708\u57fa\u672c\u751f\u6d3b\u8cbb\uff08\u5305\u62ec\u4f19\u98df\u3001\u4ea4\u901a\u3001\u6c34\u96fb\u7b49\uff09\uff0c\u4ee5\u61c9\u4ed8\u9577\u671f\u505c\u5de5\u4f11\u990a\u3002<\/li>\n\n\n\n<li>\u8a08\u7b97\u672a\u511f\u9084\u56fa\u5b9a\u50b5\u52d9\uff1a\u5982\u6bcf\u6708\u7684\u6a13\u5b87\u6309\u63ed\u9084\u6b3e\u3001\u79c1\u4eba\u8cb8\u6b3e\u6216\u6c7d\u8eca\u8cb8\u6b3e\uff0c\u540c\u6a23\u9810\u7b972\u81f33\u5e74\u7684\u7e3d\u984d\u3002<\/li>\n\n\n\n<li>\u9810\u7559\u5fa9\u5eb7\u53ca\u4fdd\u5065\u958b\u652f\uff1a\u5927\u75c5\u521d\u7652\u901a\u5e38\u9700\u8981\u71df\u990a\u88dc\u5145\u54c1\u3001\u4e2d\u91ab\u8abf\u7406\u3001\u751a\u81f3\u5bb6\u5c45\u6539\u88dd\u8cbb\u7528\uff0c\u5efa\u8b70\u984d\u5916\u9810\u7559 HK$200,000\u81f3 HK$300,000\u3002<\/li>\n\n\n\n<li>\u6263\u9664\u73fe\u6709\u6d41\u52d5\u8cc7\u7522\uff1a\u5c07\u4e0a\u8ff03\u9805\u76f8\u52a0\u5f8c\uff0c\u6e1b\u53bb\u4f60\u76ee\u524d\u53ef\u96a8\u6642\u52d5\u7528\u7684\u7dca\u6025\u5132\u5099\u91d1\uff0c\u5f97\u51fa\u7684\u9918\u984d\u4fbf\u662f\u4f60\u7406\u60f3\u7684\u5371\u75be\u4fdd\u984d\u3002<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Blue WeCare \u5371\u75be\u4fdd\u969c\u8a08\u52831 \u70ba\u4f60\u7bc9\u8d77\u9ad8\u6027\u50f9\u6bd4\u9632\u7dda<\/h2>\n\n\n\n<p>\u60f3\u8981\u70ba\u81ea\u5df1\u6253\u9020\u4e00\u4efd\u5b89\u5fc3\u7684\u4fdd\u969c\u7d44\u5408\uff0c\u7121\u9808\u52d5\u8f12\u652f\u4ed8\u9ad8\u6602\u4fdd\u8cbb\u3002\u65e2\u7136\u81ea\u9858\u91ab\u4fdd\u5df2\u6db5\u84cb\u4e86\u5927\u90e8\u5206\u4f4f\u9662\u91ab\u7642\u958b\u652f\uff0c\u5728\u9078\u64c7\u5371\u75be\u4fdd\u96aa\u6642\uff0c\u4e0d\u59a8\u8003\u616e\u5c08\u6ce8\u65bc\u9ad8\u5371\u75be\u75c5\u3001\u4fdd\u8cbb\u76f8\u5b9c\u7684\u7d14\u5371\u75be\u7522\u54c1\uff0c\u4ee5\u767c\u63ee\u6700\u5927\u7684\u69d3\u687f\u6548\u61c9\u3002<\/p>\n\n\n\n<p>Blue\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-critical-illness-protection-plan-1\">WeCare \u5371\u75be\u4fdd\u969c\u8a08\u52831<\/a>\u300d \u6b63\u662f\u5c08\u70ba\u7cbe\u660e\u6d88\u8cbb\u8005\u800c\u8a2d\u7684\u9ad8\u6027\u50f9\u6bd4\u9078\u64c7\u3002\u8a08\u5283\u5c08\u6ce8\u4fdd\u969c\u9999\u6e2f\u6700\u5e38\u898b\u7684 3 \u5927\u4e3b\u8981\u5371\u75be\uff1a\u764c\u75c7\u3001\u5fc3\u81df\u75c5\u53ca\u4e2d\u98a8\u3002\u9019 3 \u5927\u6bba\u624b\u4f54\u4e86\u7d55\u5927\u90e8\u5206\u7684\u5371\u75be\u7d22\u511f\u500b\u6848\u3002\u900f\u904e\u5254\u9664\u8f03\u7f55\u898b\u7684\u75be\u75c5\u4fdd\u969c\uff0c\u6b64\u8a08\u5283\u80fd\u4ee5\u6975\u5177\u7af6\u722d\u529b\u7684\u4fdd\u8cbb\uff0c\u70ba\u4f60\u63d0\u4f9b\u78ba\u8a3a\u5373\u8ce0\u7684\u4e00\u7b46\u904e\u73fe\u91d1\u8ce0\u511f\u3002\u4e0d\u8ad6\u662f\u7528\u4f5c\u5f4c\u88dc\u6536\u5165\u640d\u5931\uff0c\u9084\u662f\u652f\u4ed8\u81ea\u9858\u91ab\u4fdd\u672a\u80fd\u5168\u984d\u6db5\u84cb\u7684\u6a19\u9776\u85e5\u8cbb\u7528\uff0c\u90fd\u80fd\u70ba\u4f60\u7684\u5bb6\u5ead\u8ca1\u52d9\u7bc9\u8d77\u6700\u5805\u56fa\u7684\u9632\u7dda\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-critical-illness-protection-plan-1?discountCode=BLOGCI1\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/06\/image-1.png\" alt=\"Article - WeCare CI1 - blog\" style=\"width:1100px;height:auto\"\/><\/a><\/figure>\n\n\n\n<p>  <\/p>\n\n\n\n<p>\u6e05\u695a\u4e86\u89e3\u81ea\u9858\u91ab\u4fdd vs \u5371\u75be\u4fdd\u96aa\u5206\u5225\u5f8c\uff0c\u76f8\u4fe1\u4f60\u66f4\u660e\u767d\u5169\u8005\u4e92\u88dc\u7684\u91cd\u8981\u6027\u3002\u7db2\u4e0a\u6295\u4fdd\u904e\u7a0b\u7c21\u55ae\u5feb\u6377\uff0c\u7121\u9808\u9a57\u8eab\uff0c\u53ea\u9700\u56de\u7b54\u5e7e\u689d\u7c21\u55ae\u5065\u5eb7\u554f\u984c\u5373\u53ef\u5b8c\u6210\u6295\u4fdd\u3002\u4eca\u5929\u5c31\u884c\u52d5\uff0c\u70ba\u5065\u5eb7\u8207\u8ca1\u5bcc\u505a\u597d\u96d9\u91cd\u5b88\u8b77\u3002<\/p>\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<h2 class=\"wp-block-heading\">\u5e38\u898b\u554f\u984c<\/h2>\n\n\n\n<p><strong>\u5371\u75be\u5305\u62ec\u4ec0\u9ebc\u75c5\uff1f<\/strong><br>\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u7684\u5371\u75be\u8a08\u5283\u5b9a\u7fa9\u6709\u6240\u4e0d\u540c\uff0c\u4f46\u4e00\u822c\u90fd\u6703\u6db5\u84cb\u6700\u5e38\u898b\u7684\u56b4\u91cd\u75be\u75c5\uff0c\u5982\u764c\u75c7\u3001\u6025\u6027\u5fc3\u808c\u6897\u585e\uff08\u5fc3\u81df\u75c5\uff09\u3001\u4e2d\u98a8\u3001\u814e\u8870\u7aed\u53ca\u4e3b\u8981\u5668\u5b98\u79fb\u690d\u7b49\u3002\u6295\u4fdd\u524d\u61c9\u4ed4\u7d30\u67e5\u95b1\u4fdd\u55ae\u5167\u5217\u660e\u7684\u300c\u53d7\u4fdd\u75be\u75c5\u540d\u55ae\u300d\u53ca\u76f8\u95dc\u91ab\u5b78\u5b9a\u7fa9\u3002<\/p>\n\n\n\n<p><strong>\u5371\u75be\u4fdd\u96aa\u7406\u8ce0\u689d\u4ef6\u662f\u4ec0\u9ebc\uff1f<\/strong><br>\u5371\u75be\u4fdd\u96aa\u7684\u7406\u8ce0\u689d\u4ef6\u662f\u53d7\u4fdd\u4eba\u5fc5\u9808\u7d93\u8a3b\u518a\u5c08\u79d1\u91ab\u751f\u78ba\u8a3a\u60a3\u4e0a\u4fdd\u55ae\u5167\u6db5\u84cb\u7684\u6307\u5b9a\u5371\u75be\uff0c\u4e26\u4e14\u75c5\u60c5\u56b4\u91cd\u7a0b\u5ea6\u7b26\u5408\u4fdd\u55ae\u689d\u6b3e\u4e2d\u56b4\u683c\u7684\u91ab\u5b78\u5b9a\u7fa9\u3002\u4e00\u7d93\u6838\u5be6\uff0c\u4fdd\u96aa\u516c\u53f8\u4fbf\u6703\u6309\u4fdd\u55ae\u689d\u6b3e\u767c\u653e\u4e00\u7b46\u904e\u73fe\u91d1\u8ce0\u511f\uff0c\u7121\u9808\u63d0\u4f9b\u5be6\u969b\u91ab\u7642\u958b\u652f\u6536\u64da\u3002<\/p>\n\n\n\n<p><strong>\u81ea\u9858\u91ab\u4fdd\u8207\u5371\u75be\u4fdd\u96aa\u54ea\u500b\u66f4\u91cd\u8981\uff1f<\/strong><br>\u5169\u8005\u540c\u6a23\u91cd\u8981\uff0c\u56e0\u70ba\u5b83\u5011\u7684\u4f5c\u7528\u662f\u4e92\u88dc\u7684\u3002\u81ea\u9858\u91ab\u4fdd\u80fd\u70ba\u4f60\u652f\u4ed8\u9f90\u5927\u7684\u91ab\u9662\u91ab\u7642\u8cbb\u7528\uff1b\u800c\u5371\u75be\u4fdd\u96aa\u5247\u63d0\u4f9b\u4e00\u7b46\u904e\u73fe\u91d1\uff0c\u5f4c\u88dc\u4f60\u56e0\u75c5\u505c\u5de5\u7684\u6536\u5165\u640d\u5931\u53ca\u61c9\u4ed8\u5bb6\u5ead\u958b\u652f\u3002\u9810\u7b97\u5141\u8a31\u4e0b\uff0c\u5efa\u8b70\u5169\u8005\u540c\u6642\u914d\u7f6e\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\u53c3\u8003\u8cc7\u6599<\/p>\n\n\n\n<p>1. \u91ab\u52d9\u885e\u751f\u5c40 &#8211; <a href=\"https:\/\/www.vhis.gov.hk\/tc\/\">\u81ea\u9858\u91ab\u4fdd\u8a08\u5283 (VHIS) \u5b98\u65b9\u7db2\u7ad9<\/a><br>2. \u6295\u59d4\u6703 &#8211; <a href=\"https:\/\/www.ifec.org.hk\/web\/tc\/blog\/2024\/06\/medical-insurance-and-critical-illness-insurance.page\">\u91ab\u7642\u4fdd\u96aa\u8207\u5371\u75be\u4fdd\u96aa<\/a><br>3. \u7d93\u6fdf\u4e00\u9031 &#8211; <a href=\"https:\/\/www.edigest.hk\/2022371\/?utm_campaign=ED_ContentCopy&amp;utm_source=Web-inventory&amp;utm_medium=Content-Copy_ED\">\u5371\u75be\u4fdd\u96aa\u9ede\u63c0\uff5c5\u5927\u6bd4\u8f03\u6e96\u5247\uff0b\u4fdd\u984d\u8a08\u7b97\uff0b\u5b9a\u671f\u5b9a\u7d42\u8eab\u653b\u7565<\/a><br>4. 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