{"id":8906,"date":"2024-06-24T08:55:00","date_gmt":"2024-06-24T08:55:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=8906"},"modified":"2025-12-17T09:52:25","modified_gmt":"2025-12-17T09:52:25","slug":"what-is-underwriting","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/what-is-underwriting","title":{"rendered":"\u4fdd\u96aa\u6838\u4fdd(underwriting)\u610f\u601d\u53ca\u6d41\u7a0b\u662f\u4ec0\u9ebc\uff1f\u514d\u6838\u4fdd\u6216\u5b58\u96b1\u6182"},"content":{"rendered":"\n<p>\u4fdd\u96aa\u8a08\u5283\u4e94\u82b1\u516b\u9580\uff0c\u4f46\u842c\u8b8a\u4e0d\u96e2\u5176\u5b97\uff0c\u7e3d\u96e2\u4e0d\u958b\u4eba\u58fd\u3001\u5132\u84c4\u3001\u91ab\u7642\u3001\u5371\u75be\u53ca\u610f\u5916\u3002\u7136\u800c\uff0c\u5728\u6210\u529f\u6295\u4fdd\u524d\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u8981\u6c42\u6295\u4fdd\u4eba\u9032\u884c\u4fdd\u96aa\u516c\u53f8\u7684\u6838\u4fdd\uff08underwriting\uff09\u6d41\u7a0b\uff0c\u4ee5\u4fdd\u969c\u4fdd\u96aa\u516c\u53f8\u53ca\u53d7\u4fdd\u4eba\u7684\u5229\u76ca\u3002\u5230\u5e95\u6838\u4fdd\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\u514d\u6838\u4fdd\u7684\u4fdd\u96aa\u8a08\u5283\u53c8\u5b58\u6709\u4ec0\u9ebc\u96b1\u6182\uff1f\u63a5\u4e0b\u4f86<a 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href=\"https:\/\/www.blue.com.hk\/blog\/hk\/comparing-insurance-broker-agent\/\">\u4fdd\u96aa\u7d93\u7d00\u3001\u4ee3\u7406<\/a>\u5c0d\u8ac7\u6642\u7684\u5c37\u5c2c\u611f\u3002\u540c\u6642\uff0c\u865b\u64ec\u4fdd\u96aa\u7684\u7c21\u6613\u6838\u4fdd\u6a5f\u5236\u4ea6\u53ef\u9632\u6b62\u4fdd\u96aa\u88ab\u6feb\u7528\uff0c\u907f\u514d\u4fdd\u8cbb\u5927\u5e45\u4e0a\u5347\u7684\u60c5\u6cc1\u767c\u751f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6295\u4fddBlue\u4fdd\u96aa \u7c21\u6613\u6838\u4fdd\u7a0b\u5e8f\u8f15\u9b06\u901a\u904e<\/h2>\n\n\n\n<p>\u4fdd\u96aa\u6838\u4fdd\uff08underwriting\uff09\u7684\u610f\u601d\u70ba\u8a55\u4f30\u6295\u4fdd\u98a8\u96aa\uff0c\u4ee5\u4fdd\u969c\u4fdd\u96aa\u516c\u53f8\u53ca\u5176\u4ed6\u6295\u4fdd\u4eba\u7684\u5229\u76ca\uff0c\u800c\u514d\u6838\u4fdd\u6d41\u7a0b\u7684\u4fdd\u96aa\u8a08\u5283\u5b58\u5728\u591a\u7a2e\u96b1\u6182\uff0c\u5373\u4f7f\u80fd\u6210\u529f\u6295\u4fdd\uff0c\u4ea6\u6709\u4e0d\u5c11\u5f80\u4f8b\u986f\u793a\u8ce0\u511f\u689d\u6b3e\u53ef\u80fd\u96a8\u6642\u4fee\u8a02\u3002Blue\u7684\u5371\u75be\u4fdd\u969c\u53ca\u5b9a\u671f\u4eba\u58fd\u4fdd\u5747\u63a1\u7528\u7c21\u55ae\u6838\u4fdd\u5be9\u6838\uff0c\u8655\u7406\u904e\u7a0b\u5feb\u901f\uff0c\u6295\u4fdd\u4eba\u53ef\u4f9d\u64da\u500b\u4eba\u9700\u6c42\u8abf\u6574\u6295\u4fdd\u65b9\u6848\uff0c\u6700\u5feb\u5e7e\u5206\u9418\u5373\u53ef\u63d0\u4f9b\u521d\u6b65\u5831\u50f9\uff0c\u8f15\u6613\u70ba\u4f60\u7684\u5065\u5eb7\u53ca\u672a\u4f86\u898f\u5283\u505a\u8db3\u6e96\u5099\u3002<\/p>\n\n\n<style>.kb-table-container8906_3ec716-2e{font-size:16px;font-family:'Noto 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#eef2f8;border-bottom:1px solid #eef2f8;border-left:1px solid #eef2f8;}}<\/style><div class=\"kb-table-container kb-table-container8906_3ec716-2e wp-block-kadence-table\"><table class=\"kb-table kb-table8906_3ec716-2e\">\n<style>.kb-table-container .kb-table tr.kb-table-row8906_f2009b-c7{background-color:#d7e8ff;}<\/style><tr class=\"kb-table-row kb-table-row8906_f2009b-c7\">\n<th class=\"kb-table-data kb-table-data8906_dce2d2-00\">\n\n<p class=\"has-text-color has-link-color wp-elements-77af15da243fe33ad96edff3537a388d\" style=\"color:#1e293b\"><strong><strong>WeCare \u5371\u75be\u4fdd\u969c\u8a08\u5283 1<\/strong><\/strong><\/p>\n\n<\/8906_dce2d2-00>\n\n<th class=\"kb-table-data kb-table-data8906_5543a1-18\">\n\n<p class=\"has-text-color has-link-color wp-elements-724a1dbc9c55532ae935f00d725f5153\" style=\"color:#1e293b;margin-top:8px;margin-bottom:8px\"><strong>WeCare \u9748\u6d3b\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TF1<\/strong><\/p>\n\n<\/8906_5543a1-18>\n\n<th class=\"kb-table-data kb-table-data8906_a0f351-44\">\n\n<p class=\"has-text-color has-link-color wp-elements-2dbe7b83b9b51418dba46cacf4dfaadd\" style=\"color:#1e293b\"><strong>WeCare \u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TL3<\/strong><\/p>\n\n<\/8906_a0f351-44>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row8906_a7c508-7b\">\n<th class=\"kb-table-data kb-table-data8906_2a12ec-20\">\n\n<ul class=\"wp-block-list\">\n<li> \u6db5\u84cb\u764c\u75c7\u3001\u5fc3\u81df\u75c5\u767c\u4f5c\u53ca\u4e2d\u98a83\u5927\u4e3b\u8981\u5371\u75be <\/li>\n\n\n\n<li>HK$10\u842c\u81f3HK$250\u842c\u4fdd\u969c\u984d\u4efb\u4f60\u63c0 <\/li>\n\n\n\n<li>\u70ba\u5b50\u5973\u63d0\u4f9b\u514d\u8cbb\u5371\u75be\u4fdd\u969c<\/li>\n<\/ul>\n\n<\/8906_2a12ec-20>\n\n<td class=\"kb-table-data kb-table-data8906_5e6601-85\">\n\n<ul class=\"wp-block-list\">\n<li>\u53ef\u9748\u6d3b\u66f4\u6539\u4fdd\u55ae\u5e74\u671f\u53ca\u4fdd\u969c\u984d\uff0c\u7d55\u4e0d\u6536\u53d6\u624b\u7e8c\u8cbb <\/li>\n\n\n\n<li>\u8abf\u6574\u8a08\u5283\uff0c\u9069\u7528\u60c5\u6cc1\u4e0b\u53ef\u7372\u9000\u9084\u591a\u4ed8\u4fdd\u8cbb <\/li>\n\n\n\n<li>\u6700\u5feb5\u5206\u9418\u5373\u5b8c\u6210\u6295\u4fdd<\/li>\n<\/ul>\n\n<\/8906_5e6601-85>\n\n<td class=\"kb-table-data kb-table-data8906_bda27d-c8\">\n\n<ul class=\"wp-block-list\">\n<li>\u7121\u9700\u5065\u5eb7\u8b49\u660e\uff0c\u4fdd\u8cbb\u4fdd\u8b49\u5168\u6e2f\u6700\u4f4e* <\/li>\n\n\n\n<li>\u4fdd\u8cbb\u4fdd\u8b49\u65bc\u540c\u4e00\u7e73\u4ed8\u671f\u5167\u7dad\u6301\u4e0d\u8b8a\uff0c\u66f4\u4fdd\u8b49\u81ea\u52d5\u7e8c\u4fdd\u76f4\u81f396\u6b72 <\/li>\n\n\n\n<li>\u6700\u5feb5\u5206\u9418\u5373\u5b8c\u6210\u6295\u4fdd<\/li>\n<\/ul>\n\n<\/8906_bda27d-c8>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row8906_2a7423-37\">\n<th class=\"kb-table-data kb-table-data8906_69ee7b-a0\">\n<style>.wp-block-kadence-advancedbtn.kb-btns8906_f0eb6a-8f{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns8906_f0eb6a-8f .kt-button{font-weight:normal;font-style:normal;}.kt-btns8906_f0eb6a-8f .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns8906_f0eb6a-8f .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns8906_f0eb6a-8f .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns8906_f0eb6a-8f .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns8906_f0eb6a-8f .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns8906_f0eb6a-8f .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns8906_f0eb6a-8f .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns8906_f0eb6a-8f\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn8906_a55e9f-f8.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn8906_a55e9f-f8.kb-button{color:var(--ast-global-color-4);background:linear-gradient(135deg,rgb(49,116,204) 0%,rgb(71,145,242) 100%) !important;font-size:16px;font-family:'Noto Sans TC';font-weight:400;border-top-left-radius:0px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;box-shadow:0px 4px 8px 0px rgba(205, 213, 224, 0.6);}.kb-btn8906_a55e9f-f8.kb-button::before{background:#63a7ff;-webkit-transition:opacity .3s ease-in-out;-moz-transition:opacity .3s ease-in-out;transition:opacity .3s ease-in-out;}<\/style><a class=\"kb-button kt-button button kb-btn8906_a55e9f-f8 kt-btn-size-standard kt-btn-width-type-full kb-btn-global-fill kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/www.blue.com.hk\/hk\/wecare-critical-illness-protection-plan-1?discountCode=BLOGCI1\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">\u67e5\u770b\u8a73\u60c5<\/span><\/a><\/div>\n\n<\/8906_69ee7b-a0>\n\n<td class=\"kb-table-data kb-table-data8906_76a6ea-4e\">\n<style>.wp-block-kadence-advancedbtn.kb-btns8906_e420b0-97{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns8906_e420b0-97 .kt-button{font-weight:normal;font-style:normal;}.kt-btns8906_e420b0-97 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns8906_e420b0-97 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns8906_e420b0-97 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns8906_e420b0-97 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns8906_e420b0-97 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns8906_e420b0-97 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns8906_e420b0-97 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns8906_e420b0-97\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn8906_e3f29d-b0.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn8906_e3f29d-b0.kb-button{color:var(--ast-global-color-4);background:linear-gradient(135deg,rgb(49,116,204) 0%,rgb(71,145,242) 100%) !important;font-size:16px;font-family:'Noto Sans TC';font-weight:400;border-top-left-radius:0px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;box-shadow:0px 4px 8px 0px rgba(205, 213, 224, 0.6);}.kb-btn8906_e3f29d-b0.kb-button::before{background:#63a7ff;-webkit-transition:opacity .3s ease-in-out;-moz-transition:opacity .3s ease-in-out;transition:opacity .3s ease-in-out;}<\/style><a class=\"kb-button kt-button button kb-btn8906_e3f29d-b0 kt-btn-size-standard kt-btn-width-type-full kb-btn-global-fill kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/www.blue.com.hk\/hk\/wecare-flexible-term-life-protection-plan-1\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">\u67e5\u770b\u8a73\u60c5<\/span><\/a><\/div>\n\n<\/8906_76a6ea-4e>\n\n<td class=\"kb-table-data kb-table-data8906_1d60f8-c3\">\n<style>.wp-block-kadence-advancedbtn.kb-btns8906_163578-21{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns8906_163578-21 .kt-button{font-weight:normal;font-style:normal;}.kt-btns8906_163578-21 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns8906_163578-21 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns8906_163578-21 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns8906_163578-21 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns8906_163578-21 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns8906_163578-21 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns8906_163578-21 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns8906_163578-21\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn8906_520f9b-5c.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn8906_520f9b-5c.kb-button{color:var(--ast-global-color-4);background:linear-gradient(135deg,rgb(49,116,204) 0%,rgb(71,145,242) 100%) !important;font-size:16px;font-family:'Noto Sans TC';font-weight:400;border-top-left-radius:0px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;box-shadow:0px 4px 8px 0px rgba(205, 213, 224, 0.6);}.kb-btn8906_520f9b-5c.kb-button::before{background:#63a7ff;-webkit-transition:opacity .3s ease-in-out;-moz-transition:opacity .3s ease-in-out;transition:opacity .3s ease-in-out;}<\/style><a class=\"kb-button kt-button button kb-btn8906_520f9b-5c kt-btn-size-standard kt-btn-width-type-full kb-btn-global-fill kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/www.blue.com.hk\/hk\/wecare-term-life-protection-plan-3?discountCode=BLOGTL3\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">\u67e5\u770b\u8a73\u60c5<\/span><\/a><\/div>\n\n<\/8906_1d60f8-c3>\n<\/tr>\n<\/table><\/div>\n\n\n<p>\u4ee5\u4e0a\u8a08\u5283\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 *\u53d7<a href=\"https:\/\/www.blue.com.hk\/hk\/promotion-content?id=20240314-lowest-rate-guaranteed-tl3-tnc\"><u>\u689d\u6b3e\u53ca\u7d30\u5247<\/u><\/a>\u7d04\u675f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u806f\u7d61 Blue \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\"><u>\u5132\u84c4<\/u><\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\"><u>\u4eba\u58fd<\/u><\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-personal-accident-protection-plan-1\"><u>\u610f\u5916<\/u><\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/critical-illness-insurance\"><u>\u5371\u75be<\/u><\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/medical-cover\"><u>\u9580\u8a3a\u91ab\u7642<\/u><\/a>\u53ca<a href=\"https:\/\/www.blue.com.hk\/hk\/weguard-pharmaeasy-protection-plan\"><u>\u85e5\u5291<\/u><\/a>\u7b49\u591a\u7a2e\u4fdd\u96aa\u7522\u54c1\u3002\u5982\u6b32\u4e86\u89e3\u66f4\u591a\uff0c\u6b61\u8fce\u96fb\u90f5\uff08inbox@ask.blue.com.hk\uff09\u6216\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>\u53c3\u8003\u8cc7\u6599\uff1a <\/p>\n\n\n\n<p>HK01 &#8211; <a href=\"https:\/\/www.hk01.com\/article\/748087?utm_source=01articlecopy&amp;utm_medium=referral\"><u>\u6052\u751f\u4fdd\u96aa\u65b0\u51a0\u75c5\u6bd2\u4fdd\u969c\u3000\u7db2\u50b3\u5df2\u6709\u5ba2\u6236\u78ba\u8a3a\u4e26\u7372\u8ce018\u842c\u5143\uff5c\u6eab\u591a\u5a1c<\/u><\/a> <\/p>\n\n\n\n<p class=\"has-text-align-left\">\u5831\u5c0e\u8005 &#8211;<a href=\"https:\/\/www.twreporter.org\/a\/covid-19-omicron-insurance-policy-chaos\"><u>\u3010\u9632\u75ab\u8207\u4fdd\u96aa\u4e4b\u4e82\u3011\u5be7\u640d\u5546\u8b7d\u4e5f\u8981\u62da\u4e0d\u6838\u4fdd\uff0c\u53f0\u7063\u4fdd\u96aa\u516c\u53f8\u7206\u8aa0\u4fe1\u5371\u6a5f<\/u><\/a><\/p>\n\n\n\n<p>\u514d\u8cac\u8072\u660e\ufe55 \u7522\u54c1\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\u3002 \u4e0a\u8ff0\u7522\u54c1\u53ca\u8cc7\u8a0a\u7531Blue Insurance Limited\uff08\u300cBlue\u300d\uff09\u63d0\u4f9b\u3002 \u4e0a\u8ff0\u7522\u54c1\u53ea\u8a08\u5283\u65bc\u9999\u6e2f\u5883\u5167\u51fa\u552e\u3002 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