{"id":9255,"date":"2025-06-20T14:56:00","date_gmt":"2025-06-20T14:56:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=9255"},"modified":"2025-12-18T04:18:53","modified_gmt":"2025-12-18T04:18:53","slug":"time-deposit-savings-insurance-difference","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e7%90%86%e8%b2%a1%e8%b2%bc%e5%a3%ab\/time-deposit-savings-insurance-difference","title":{"rendered":"\u5132\u84c4\u4fdd\u96aa VS \u5b9a\u671f\uff1a\u5f9e\u672c\u91d1\u9580\u6abb\u3001\u56de\u5831\u3001\u5b58\u6b3e\u5e74\u671f\u6bd4\u8f03\u5b9a\u671f\u5b58\u6b3e\u8207\u5132\u84c4\u4fdd\u96aa"},"content":{"rendered":"\n<p>\u80a1\u7968\u5e02\u5834\u6301\u7e8c\u4e0d\u7a69\uff0c\u52a0\u4e0a\u5916\u570d\u7d93\u6fdf\u74b0\u5883\u4ee5\u53ca\u5730\u7de3\u653f\u6cbb\u7b49\u4e0d\u78ba\u5b9a\u56e0\u7d20\uff0c\u82e5\u60f3\u4ee5\u7a69\u9663\u6295\u8cc7\u70ba\u65b9\u5411\uff0c\u61c9\u9078\u64c7\u98a8\u96aa\u8f03\u4f4e\u3001\u56de\u5831\u8f03\u9ad8\u7684\u5132\u84c4\u65b9\u6cd5\uff1f\u5e02\u5834\u4e0a\u7684<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/investment-financial-tools-for-beginners\/\"><u>\u7406\u8ca1\u5de5\u5177<\/u><\/a>\u6797\u6797\u7e3d\u7e3d\uff0c\u5b9a\u671f\u5b58\u6b3e\u3001\u5132\u84c4\u4fdd\u96aa\u53ef\u80fd\u662f\u4e0d\u5c11\u4eba\u7684\u9078\u64c7\uff0c\u5230\u5e95\u5169\u8005\u5206\u5225\u5728\u54ea\u88e1\uff1f\u5982\u4f55\u9078\u64c7\u9069\u5408\u81ea\u5df1\u80fd\u529b\u53ca\u6709\u9810\u671f\u56de\u5831\u7684\u5132\u84c4\u65b9\u5f0f\uff1f<\/p>\n\n\n\n<p>\u5c0d\u65bc\u5132\u84c4\u4fdd\u96aa vs \u5b9a\u671f\u7684\u554f\u984c\uff0c<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/financial-tips\/\"><u>Blue\u7406\u8ca1\u9054\u4eba<\/u><\/a>\u4ee5\u8cc7\u91d1\u6d41\u52d5\u6027\u3001\u56de\u5831\u3001\u5e74\u671f\u7b49\u56e0\u7d20\u5206\u6790\u9019\u5169\u7a2e\u5132\u84c4\u8a08\u5283\uff0c\u52a9\u4f60\u66f4\u4e86\u89e3\u81ea\u5df1\u7684\u7406\u8ca1\u9700\u8981\uff0c\u627e\u5230\u5408\u9069\u81ea\u5df1\u7684\u5132\u84c4\u65b9\u5f0f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u751a\u9ebc\u662f\u5b9a\u671f\u5b58\u6b3e\uff1f<\/strong><\/h2>\n\n\n\n<p>\u5b9a\u671f\u5b58\u6b3e\uff08\u53c8\u7a31\u5b9a\u5b58\u3001\u5b9a\u671f\u5132\u84c4\u5b58\u6b3e\uff09\u6307\u5c07\u4e00\u7b46\u8cc7\u91d1\u5b58\u653e\u65bc\u9280\u884c\u6307\u5b9a\u7684\u5b9a\u671f\u5b58\u6b3e\u6236\u53e3\uff0c\u5b58\u671f\u53ef\u7531\u4e00\u661f\u671f\u81f3\u6578\u5e74\u4e0d\u7b49\u3002\u5728\u5b58\u6b3e\u671f\u5167\uff0c\u8cc7\u91d1\u4e0d\u53ef\u96a8\u610f\u63d0\u53d6\uff0c\u5f85\u5230\u671f\u5f8c\u624d\u80fd\u9818\u56de\u672c\u91d1\u53ca\u5229\u606f\u3002\u7531\u65bc\u5b58\u6b3e\u671f\u56fa\u5b9a\uff0c\u9280\u884c\u4e00\u822c\u6703\u63d0\u4f9b\u6bd4\u666e\u901a\u5132\u84c4\u6236\u53e3\u66f4\u9ad8\u7684\u5229\u7387\u3002<\/p>\n\n\n\n<p>\u5047\u8a2d\u4f60\u5c07HK$100,000\u5b58\u5165\u9280\u884c\uff0c\u9078\u64c760\u500b\u6708\u5b9a\u671f\uff0c\u5e74\u5229\u7387\u70ba3.5%\u3002\u7531\u65bc\u5b58\u6b3e\u671f\u662f\u534a\u5e74\uff08\u53736\u500b\u6708\uff09\uff0c\u8a08\u7b97\u5229\u606f\u6642\u8981\u5c07\u5e74\u5229\u7387\u6309\u6bd4\u4f8b\u6298\u7b97\u3002\u8a08\u7b97\u65b9\u6cd5\u5982\u4e0b\uff1a<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u5229\u606f = \u672c\u91d1 \u00d7 \u5e74\u5229\u7387 \u00d7(\u5b58\u6b3e\u671f\u6708\u6578 \u00f7 12)<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u4ee5\u4e0a\u4f8b\u5b50\u7684\u8a08\u7b97\u70ba\uff1a\u5229\u606f = 100,000 \u00d7 3.5% \u00d7(6 \u00f7 12) = HK$1,750<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u5982\u679c\u5c07\u672c\u91d1\u53ca\u5229\u606f\u6bcf\u6708\u8907\u5229\u4e00\u6b21\uff0c\u4e26\u6301\u7e8c\u6efe\u5b5820\u5e74\uff0c\u5229\u606f\u8a08\u7b97\u5c07\u662f\uff1a\u5229\u606f = 100,000 \u00d7 (1 + 0.035\/12)^(12\u00d720)\uff0c\u6700\u7d42\u672c\u91d1\u5c07\u589e\u81f3\u7d04HK$201,170\u3002<\/p>\n\n\n\n<p>\u53e6\u5916\uff0c\u5728\u958b\u7acb\u5b9a\u5b58\u6236\u53e3\u6642\uff0c\u6295\u8cc7\u8005\u53ef\u4ee5\u9078\u64c7\u5b58\u5165\u4e0d\u540c\u8ca8\u5e63\uff0c\u8f03\u71b1\u9580\u7684\u6709\u6e2f\u5143\u5b9a\u671f\u3001\u7f8e\u5143\u5b9a\u671f\u8207\u4eba\u6c11\u5e63\u5b9a\u671f\u5b58\u6b3e\uff0c\u5404\u6709\u4e0d\u540c\u7684\u5b9a\u5b58\u5229\u7387\u3002\u800c\u8fd1\u5e74\u8208\u8d77\u7684\u865b\u64ec\u9280\u884c\u4ea6\u5df2\u958b\u59cb\u52a0\u5165\u5b9a\u671f\u5b58\u6b3e\u670d\u52d9\uff0c\u865b\u64ec\u9280\u884c\u5b9a\u671f\u7684\u5229\u7387\u53ef\u80fd\u6bd4\u50b3\u7d71\u5927\u578b\u9280\u884c\u5438\u5f15\uff0c\u53ef\u4ee5\u591a\u4f5c\u6bd4\u8f03\u5f8c\u518d\u6c7a\u5b9a\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u751a\u9ebc\u662f\u5132\u84c4\u4fdd\u96aa\uff1f<\/strong><\/h2>\n\n\n\n<p>\u5132\u84c4\u4fdd\u96aa\u9867\u540d\u601d\u7fa9\u662f\u4ee5\u5132\u84c4\u70ba\u4e3b\u8981\u76ee\u7684\u4e4b\u4fdd\u96aa\u8a08\u5283\uff0c\u53ef\u4ee5\u7d93\u9280\u884c\u6216\u4fdd\u96aa\u6e20\u9053\u92b7\u552e\uff0c\u662f\u5728\u6307\u5b9a\u6642\u9593\u5167\u70ba\u8cc7\u91d1\u5e36\u4f86\u984d\u5916\u7a69\u5b9a\u56de\u5831\u7684\u65b9\u6cd5\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p>\u5132\u84c4\u4fdd\u96aa\u8207\u5b9a\u671f\u5b58\u6b3e\u4e0d\u540c\uff0c\u5dee\u5225\u5728\u65bc\u5132\u84c4\u4fdd\u96aa\u591a\u6578\u9644\u5e36\u8eab\u6545\u4fdd\u969c\uff0c\u6216\u7d50\u5408\u5371\u75be\u3001\u91ab\u7642\u4fdd\u969c\u7b49\u6210\u5206\u3002\u842c\u4e00\u4fdd\u55ae\u6301\u6709\u4eba\u60a3\u75c5\u3001\u9047\u5230\u610f\u5916\u8eab\u6545\u6216\u4e0d\u5e78\u8eab\u6545\u6642\u4ecd\u53ef\u4fdd\u969c\u81ea\u5df1\u53ca\u5bb6\u4eba\uff0c\u56e0\u6b64\u5132\u84c4\u4fdd\u96aa\u6bd4\u5b9a\u5b58\u6709\u591a\u4e00\u91cd\u984d\u5916\u4fdd\u969c\u3002\u7531\u65bc\u5132\u84c4\u4fdd\u96aa\u7684\u4f9b\u6b3e\u671f\u53ca\u4fdd\u969c\u7d44\u5408\u7e41\u591a\uff0c\u6295\u4fdd\u524d\u5efa\u8b70\u61c9\u5148\u4e86\u89e3\u6e05\u695a\u3002<\/p>\n\n\n\n<p>\u5132\u84c4\u4fdd\u96aa\u7684\u56de\u5831\u53ef\u5206\u70ba\u300c\u4fdd\u8b49\u56de\u5831\u300d\u53ca\u300c\u975e\u4fdd\u8b49\u56de\u5831\u300d\u5169\u90e8\u5206\u3002\u4fdd\u8b49\u56de\u5831\u662f\u4fdd\u96aa\u516c\u53f8\u627f\u8afe\u5728\u5408\u7d04\u671f\u5167\u5fc5\u5b9a\u6d3e\u767c\u7684\u73fe\u91d1\u50f9\u503c\u6216\u5229\u606f\uff0c\u5373\u4f7f\u5e02\u5834\u6709\u8b8a\u5316\u4ea6\u4e0d\u6703\u6e1b\u5c11\u3002\u975e\u4fdd\u8b49\u56de\u5831\u5247\u901a\u5e38\u4ee5\u7d05\u5229\u6216\u5206\u7d05\u5f62\u5f0f\u6d3e\u767c\uff0c\u4f46\u4e26\u975e\u56fa\u5b9a\u6536\u76ca\uff0c\u5be6\u969b\u91d1\u984d\u6703\u6839\u64da\u4fdd\u96aa\u516c\u53f8\u6295\u8cc7\u8868\u73fe\u53ca\u7d93\u6fdf\u74b0\u5883\u800c\u6ce2\u52d5\uff0c\u6709\u6a5f\u6703\u9ad8\u65bc\u6216\u4f4e\u65bc\u9810\u671f\u3002\u6d88\u8cbb\u8005\u5728\u9078\u8cfc\u5132\u84c4\u4fdd\u96aa\u6642\uff0c\u61c9\u7559\u610f\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\u90e8\u5206\u7684\u6bd4\u4f8b\uff0c\u4e26\u5be9\u614e\u8a55\u4f30\u81ea\u8eab\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\u3002<\/p>\n\n\n\n<p>\u4f8b\u5b50\uff1a\u5047\u8a2d\u6295\u4fdd\u4e00\u4efd\u5177\u6709\u4fdd\u8b49\u56de\u5831\u53ca\u975e\u4fdd\u8b49\u56de\u5831\u76845\u5e74\u671f\u5132\u84c4\u4fdd\u96aa\uff0c\u6bcf\u5e74\u7e73\u4ed8\u4fdd\u8cbbHK$10,000\uff0c\u7e3d\u4f9b\u6b3e\u984d\u70baHK$50,000\uff0c\u800c\u672c\u91d1\u53ca\u5229\u606f\u5c07\u6bcf\u5e74\u8907\u5229\u4e00\u6b21\u3002\u9019\u4efd\u4fdd\u55ae\u53ef\u4ee5\u62c6\u89e3\u6210\u4ee5\u4e0b\u90e8\u5206\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u8b49\u56de\u5831\u7387\uff1a\u5047\u8a2d\u9078\u64c7\u4e00\u6b3e5\u5e74\u671f\u3001\u6bcf\u5e74\u5e73\u5747\u4fdd\u8b49\u56de\u5831\u73873.5%\u7684\u7522\u54c1\uff0c\u671f\u6eff\u6642\u4fdd\u8b49\u7e3d\u56de\u5831 = HK$50,000 \u00d7 (1 + 3.5%)\u2075 = HK$59,384\u3002<\/li>\n\n\n\n<li>\u975e\u4fdd\u8b49\u56de\u5831\u7387\uff1a5\u5e74\u671f\u7522\u54c1\u7684\u975e\u4fdd\u8b49\u56de\u5831\u7387\uff08\u5305\u62ec\u7d05\u5229\u7b49\u5206\u7d05\uff09\u4e00\u822c\u9810\u671f\u7d04\u70ba2%\u81f34%\u4e0d\u7b49\uff0c\u4f46\u5be6\u969b\u80fd\u5426\u9054\u6a19\u5247\u8996\u4e4e\u4fdd\u96aa\u516c\u53f8\u6295\u8cc7\u8868\u73fe\uff0c\u4fdd\u55ae\u672a\u5fc5\u80fd\u5be6\u73fe\u5efa\u8b70\u66f8\u4e2d\u7684\u9810\u671f\u975e\u4fdd\u8b49\u56de\u5831\u3002\u5047\u8a2d\u9810\u671f\u975e\u4fdd\u8b49\u56de\u5831\u7387\u70ba3%\uff0c\u5247\u671f\u6eff\u6642\u984d\u5916\u53ef\u7372\u975e\u4fdd\u8b49\u7d05\u5229\u7d04HK$7,900\uff0c\u9023\u540c\u4fdd\u8b49\u56de\u5831\u7684\u7e3d\u56de\u5831\u70ba\u7d04HK$67,284\u3002<\/li>\n\n\n\n<li>\u7e3d\u56de\u5831\u7387\uff08\u5305\u62ec\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\uff09\uff1a\u4e0a\u8ff0\u4fdd\u55ae\u7684\u671f\u6eff\u7e3d\u56de\u5831\u7387\u70ba6.5%\uff08\u4fdd\u8b493.5% + \u975e\u4fdd\u8b493%\uff09\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/things-you-need-to-know-when-comparing-savings-insurance\/\"><u>\u3010\u5132\u84c4\u4fdd\u96aa\u5443\u4eba? \u3011\u6bd4\u8f03\u5e02\u5834\u4e0a\u5132\u84c4\u4fdd\u96aa\u8a08\u5283\u5fc5\u8b80! \u514d\u8aa4\u58ae\u9677\u9631<\/u><\/a> \u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/savings-insurance-guaranteed-returns\/\"><u>\u5982\u4f55\u6295\u8cc7\u5132\u84c4\u96d9\u8d0f\uff1f\u4e86\u89e3\u4fdd\u8b49\u56de\u5831\u8207\u9810\u671f\u56de\u5831<\/u><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u6bd4\u8f03\uff1a\u5132\u84c4\u4fdd\u96aa vs \u5b9a\u671f\u5b58\u6b3e<\/strong><\/h2>\n\n\n\n<p>\u4ee5\u4e0a\u4e86\u89e3\u904e\u5b9a\u671f\u5b58\u6b3e\u53ca\u5132\u84c4\u4fdd\u96aa\u5169\u7a2e\u7522\u54c1\u5f8c\uff0c\u6295\u8cc7\u8005\u61c9\u8a72\u5982\u4f55\u9078\u64c7\uff1f\u53ef\u4ee5\u9996\u5148\u53c3\u8003\u4ee5\u4e0b\u7684\u5132\u84c4\u4fdd\u96aa vs \u5b9a\u671f\u5b58\u6b3e\u6bd4\u8f03\u8868\uff1a<\/p>\n\n\n<style>.kb-table-container9255_758bfb-f6{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container9255_758bfb-f6 .kb-table9255_758bfb-f6{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container9255_758bfb-f6 .kb-table9255_758bfb-f6 thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container9255_758bfb-f6 .kb-table9255_758bfb-f6 thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container9255_758bfb-f6 .kb-table9255_758bfb-f6 tbody tr:last-child td:first-child, .kb-table-container9255_758bfb-f6 .kb-table9255_758bfb-f6 tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container9255_758bfb-f6 .kb-table9255_758bfb-f6 tbody tr:last-child td:last-child, .kb-table-container9255_758bfb-f6 .kb-table9255_758bfb-f6 tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container9255_758bfb-f6{overflow-x:auto;}.kb-table-container .kb-table9255_758bfb-f6 th{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#63a7ff;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-table9255_758bfb-f6 th ul, .kb-table-container .kb-table9255_758bfb-f6 th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table9255_758bfb-f6 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-table9255_758bfb-f6 td ul, .kb-table-container .kb-table9255_758bfb-f6 td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table9255_758bfb-f6 td:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table9255_758bfb-f6 th:nth-of-type(1){background-color:#63a7ff;}.kb-table-container .kb-table9255_758bfb-f6 td, .kb-table9255_758bfb-f6 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-table9255_758bfb-f6 td, .kb-table9255_758bfb-f6 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-table9255_758bfb-f6 td, .kb-table9255_758bfb-f6 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-container9255_758bfb-f6 is-style-regular is-style-regular wp-block-kadence-table\"><table class=\"kb-table kb-table9255_758bfb-f6\">\n<style>.kb-table-container .kb-table tr.kb-table-row9255_7c097e-af{background-color:#d7e8ff;}<\/style><tr class=\"kb-table-row kb-table-row9255_7c097e-af\">\n<th class=\"kb-table-data kb-table-data9255_c22929-bc\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-14821ec864ea6aa306a0e53a337390fd\"><strong>\u9805\u76ee<\/strong><\/p>\n\n<\/9255_c22929-bc>\n\n<th class=\"kb-table-data kb-table-data9255_30e963-92\">\n\n<p class=\"has-text-color has-link-color wp-elements-89983a619709fd1c7f4a76899e4fc4a1\" style=\"color:#1e293b\"><strong>\u5b9a\u671f\u5b58\u6b3e<\/strong><\/p>\n\n<\/9255_30e963-92>\n\n<th class=\"kb-table-data kb-table-data9255_c6c45d-2d\">\n\n<p class=\"has-text-color has-link-color wp-elements-f66a4c108b04ea5d2d633534ec6ad7c5\" style=\"color:#1e293b\"><strong>\u5132\u84c4\u4fdd\u96aa<\/strong><\/p>\n\n<\/9255_c6c45d-2d>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_44db33-36\">\n<td class=\"kb-table-data kb-table-data9255_9d2ba9-dd\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-d9c874bae184d32dadcec99fbb7c064b\">\u7522\u54c1\u6027\u8cea<\/p>\n\n<\/9255_9d2ba9-dd>\n\n<td class=\"kb-table-data kb-table-data9255_9eca9c-a0\">\n\n<p>\u7d14\u5132\u84c4\uff0c\u8cfa\u53d6\u5229\u606f<\/p>\n\n<\/9255_9eca9c-a0>\n\n<td class=\"kb-table-data kb-table-data9255_93b29f-94\">\n\n<p>\u5132\u84c4\u53ca\u4eba\u58fd\u4fdd\u969c\uff08\u90e8\u5206\u6709\u5371\u75be\uff0f\u91ab\u7642\u4fdd\u969c\uff09<\/p>\n\n<\/9255_93b29f-94>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_89f49e-ec\">\n<td class=\"kb-table-data kb-table-data9255_ced6b8-f3\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-1d38e71d865986d19dfee788ff4b8c06\">\u652f\u63f4\u8ca8\u5e63<\/p>\n\n<\/9255_ced6b8-f3>\n\n<td class=\"kb-table-data kb-table-data9255_37aba3-16\">\n\n<p>\u6e2f\u5143\u3001\u7f8e\u5143\u3001\u4eba\u6c11\u5e63\u3001\u82f1\u938a\u7b49\u591a\u570b\u8ca8\u5e63<\/p>\n\n<\/9255_37aba3-16>\n\n<td class=\"kb-table-data kb-table-data9255_b62783-23\">\n\n<p>\u6e2f\u5143\u3001\u7f8e\u5143\u3001\u4eba\u6c11\u5e63\u70ba\u4e3b<\/p>\n\n<\/9255_b62783-23>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_d2173d-09\">\n<td class=\"kb-table-data kb-table-data9255_178f5f-5e\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-2ed4117bc6d0d7f42ae32b9d885929ce\">\u5165\u5834\u9580\u6abb<\/p>\n\n<\/9255_178f5f-5e>\n\n<td class=\"kb-table-data kb-table-data9255_b7002c-a2\">\n\n<p>\u50b3\u7d71\u9280\u884c\u591a\u70baHK$1\u842c\uff0c\u865b\u64ec\u9280\u884c\u53ef\u4f4e\u81f3HK$1<\/p>\n\n<\/9255_b7002c-a2>\n\n<td class=\"kb-table-data kb-table-data9255_6c8b9b-58\">\n\n<p>\u4e00\u822c\u6578\u5343\u5143\u8d77<\/p>\n\n<\/9255_6c8b9b-58>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_ad2ae0-8e\">\n<td class=\"kb-table-data kb-table-data9255_ddd0d7-54\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-75d20917c1102cdfffc0702e993cfd29\">\u4f9b\u6b3e\u65b9\u5f0f<\/p>\n\n<\/9255_ddd0d7-54>\n\n<td class=\"kb-table-data kb-table-data9255_616e35-01\">\n\n<p>\u4e00\u7b46\u904e\u5b58\u6b3e\uff1b\u96f6\u5b58\u6574\u4ed8\u6236\u53e3\u53ef\u4ee5\u6708\u4f9b\u3001\u5b63\u4f9b\u6216\u5e74\u4f9b<\/p>\n\n<\/9255_616e35-01>\n\n<td class=\"kb-table-data kb-table-data9255_6a4a55-2c\">\n\n<p>\u4e00\u7b46\u904e\uff0f\u6708\u4f9b\uff0f\u5e74\u4f9b\u7b49\u591a\u7a2e\u9078\u64c7<\/p>\n\n<\/9255_6a4a55-2c>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_c14c97-e1\">\n<td class=\"kb-table-data kb-table-data9255_bfe613-bb\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-052399142a2524bf60fe45b305c2c652\">\u5132\u84c4\u5e74\u671f<\/p>\n\n<\/9255_bfe613-bb>\n\n<td class=\"kb-table-data kb-table-data9255_929269-22\">\n\n<p>\u77ed\u671f\uff087\u65e5\u81f312\u500b\u6708\uff0c\u5c11\u6578\u9280\u884c\u63d0\u4f9b24\u500b\u6708\u5b9a\u671f\uff09<\/p>\n\n<\/9255_929269-22>\n\n<td class=\"kb-table-data kb-table-data9255_b3d468-c0\">\n\n<p>\u4e2d\u9577\u671f\uff081\u81f325\u5e74\uff0c\u751a\u81f3\u7d42\u8eab\uff09<\/p>\n\n<\/9255_b3d468-c0>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_cf5c09-8a\">\n<td class=\"kb-table-data kb-table-data9255_036c09-13\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-8f9f8a4453d96cca5062b3834f16da14\">\u56de\u5831<\/p>\n\n<\/9255_036c09-13>\n\n<td class=\"kb-table-data kb-table-data9255_66b94c-a1\">\n\n<p>\u4fdd\u8b49\u5229\u606f\uff0c\u5e74\u5229\u73870.1%\u81f34%<\/p>\n\n<\/9255_66b94c-a1>\n\n<td class=\"kb-table-data kb-table-data9255_a0fb95-c7\">\n\n<p>\u4fdd\u8b49\u53ca\u975e\u4fdd\u8b49\u56de\u5831\uff0c\u9577\u671f\u53ef\u90543%\u81f36%\uff0c\u751a\u81f3\u66f4\u9ad8<\/p>\n\n<\/9255_a0fb95-c7>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_e6d73d-08\">\n<td class=\"kb-table-data kb-table-data9255_bc31df-84\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-366b757a3230e765756d73d6d1d4766d\">\u6d41\u52d5\u6027<\/p>\n\n<\/9255_bc31df-84>\n\n<td class=\"kb-table-data kb-table-data9255_f1f280-70\">\n\n<p>\u63d0\u65e9\u53d6\u6b3e\u9700\u7f70\u606f\u6216\u640d\u5931\u5229\u606f<\/p>\n\n<\/9255_f1f280-70>\n\n<td class=\"kb-table-data kb-table-data9255_3332ad-74\">\n\n<p>\u63d0\u65e9\u9000\u4fdd\u6216\u6e1b\u984d\u6703\u6709\u640d\u5931<\/p>\n\n<\/9255_3332ad-74>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_849570-81\">\n<td class=\"kb-table-data kb-table-data9255_1b60bd-95\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-a38036d74a4d63f42297d7ba50096fa9\">\u4fdd\u969c<\/p>\n\n<\/9255_1b60bd-95>\n\n<td class=\"kb-table-data kb-table-data9255_544806-9a\">\n\n<p>\u53d7\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u4fdd\u969c\uff08\u6bcf\u500b\u6236\u53e3\u6700\u9ad8HK$80\u842c\uff09<\/p>\n\n<\/9255_544806-9a>\n\n<td class=\"kb-table-data kb-table-data9255_55b348-9e\">\n\n<p>\u53d7\u4fdd\u96aa\u516c\u53f8\u76e3\u7ba1\uff0c\u4e0d\u53d7\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u4fdd\u969c<\/p>\n\n<\/9255_55b348-9e>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_986c25-33\">\n<td class=\"kb-table-data kb-table-data9255_904685-b9\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-d33529048a93d6d260e2a6ccdaf2533f\">\u98a8\u96aa<\/p>\n\n<\/9255_904685-b9>\n\n<td class=\"kb-table-data kb-table-data9255_05079d-92\">\n\n<p>\u5229\u7387\u6ce2\u52d5\u3001\u5916\u5e63\u6ed9\u7387\u98a8\u96aa\u7b49<\/p>\n\n<\/9255_05079d-92>\n\n<td class=\"kb-table-data kb-table-data9255_a0d2e6-2f\">\n\n<p>\u4fdd\u96aa\u516c\u53f8\u7684\u4fe1\u8cb8\u98a8\u96aa\uff0c\u975e\u4fdd\u8b49\u90e8\u5206\u53d7\u6295\u8cc7\u8868\u73fe\u5f71\u97ff\u7b49<\/p>\n\n<\/9255_a0d2e6-2f>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9255_4d9f59-ba\">\n<td class=\"kb-table-data kb-table-data9255_b9e3e5-84\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-b07864fbc98d184fcb88c3aa01a90e87\">\u9069\u5408\u5c0d\u8c61<\/p>\n\n<\/9255_b9e3e5-84>\n\n<td class=\"kb-table-data kb-table-data9255_90171c-73\">\n\n<p>\u77ed\u671f\u5132\u84c4\u3001\u6d41\u52d5\u8cc7\u91d1<\/p>\n\n<\/9255_90171c-73>\n\n<td class=\"kb-table-data kb-table-data9255_feaebe-45\">\n\n<p>\u9577\u671f\u5132\u84c4\u3001\u8ca1\u5bcc\u50b3\u627f\u3001\u6709\u4fdd\u969c\u9700\u6c42<\/p>\n\n<\/9255_feaebe-45>\n<\/tr>\n<\/table><\/div>\n\n\n<h2 class=\"wp-block-heading\">\u61c9\u8a72\u9078\u64c7\u5132\u84c4\u4fdd\u96aa\u9084\u662f\u5b9a\u671f\u5b58\u6b3e\uff1f<\/h2>\n\n\n\n<p>\u4ee5\u4e0a\u6bd4\u8f03\u904e\u5b9a\u5b58\u548c\u5132\u84c4\u96aa\uff0c\u4ee5\u4e0b\u96c6\u4e2d5\u500b\u91cd\u9ede\u56e0\u7d20\uff0c\u9032\u4e00\u6b65\u8b93\u6295\u8cc7\u8005\u4f5c\u53c3\u8003\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u6700\u4f4e\u8cc7\u91d1\u9580\u6abb<\/h3>\n\n\n\n<p>\u9280\u884c\u5b9a\u5b58\u7684\u6700\u4f4e\u5165\u5834\u9580\u6abb\u56e0\u9280\u884c\u800c\u7570\uff0c\u50b3\u7d71\u9280\u884c\u591a\u8981\u6c42HK$1\u842c\u8d77\uff0c\u90e8\u5206\u865b\u64ec\u9280\u884c\u5247\u53ef\u4f4e\u81f3HK$1\uff0c\u8cc7\u91d1\u9580\u6abb\u6975\u4f4e\uff0c\u9069\u5408\u8cc7\u91d1\u6709\u9650\u4eba\u58eb\u3002\u6295\u8cc7\u8005\u53ef\u9078\u64c7\u4e00\u7b46\u904e\u6216\u5206\u671f\u5b58\u5165\uff08\u4f8b\u5982\u96f6\u5b58\u6574\u4ed8\u6708\u4f9b\u8a08\u5283\uff09\uff0c\u4f46\u9700\u6ce8\u610f\u5206\u671f\u5b58\u6b3e\u8a08\u5283\u7684\u5229\u7387\u901a\u5e38\u8f03\u4f4e\u3002\u800c\u5132\u84c4\u4fdd\u96aa\u7684\u6700\u4f4e\u4fdd\u8cbb\u8996\u4e4e\u7522\u54c1\u8a2d\u8a08\uff0c\u4e00\u822c\u7531\u6578\u5343\u5143\u8d77\uff0c\u90e8\u5206\u77ed\u671f\u5132\u84c4\u4fdd\u96aa\u8a08\u5283\u751a\u81f3\u53ef\u4f4e\u81f3\u6578\u767e\u7f8e\u5143\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u672c\u91d1\u4fdd\u969c\u8207\u76e3\u7ba1\u5236\u5ea6<\/h3>\n\n\n\n<p>\u9280\u884c\u5b9a\u671f\u5b58\u6b3e\u53d7\u300c\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u300d\u4fdd\u969c\uff0c\u6bcf\u4f4d\u5b58\u6b3e\u5ba2\u6236\u65bc\u6bcf\u9593\u9280\u884c\u6700\u9ad8\u53ef\u7372HK$80\u842c\u4fdd\u969c\uff0c\u6db5\u84cb\u6e2f\u5143\u3001\u4eba\u6c11\u5e63\u53ca\u5176\u4ed6\u4e3b\u8981\u5916\u5e63\u5b58\u6b3e\uff0c\u70ba\u5b58\u6b3e\u5ba2\u6236\u63d0\u4f9b\u591a\u4e00\u91cd\u5b89\u5168\u7db2\u3002\u82e5\u9280\u884c\u51fa\u73fe\u554f\u984c\uff0c\u5b58\u6b3e\u5ba2\u6236\u53ef\u4ee5\u5f9e\u300c\u9999\u6e2f\u5b58\u6b3e\u4fdd\u969c\u59d4\u54e1\u6703\u300d\u7684\u6210\u54e1\u9280\u884c\u4f9b\u6b3e\u5132\u5099\u4e2d\u7372\u5f97\u8ce0\u511f\uff0c\u56e0\u6b64\u8cc7\u91d1\u6709\u4e00\u5b9a\u4fdd\u969c\uff0c\u9019\u9ede\u5c0d\u91cd\u8996\u8cc7\u91d1\u5b89\u5168\u7684\u6295\u8cc7\u8005\u5c24\u5176\u91cd\u8981\u3002<\/p>\n\n\n\n<p>\u5132\u84c4\u4fdd\u96aa\u5247\u4e0d\u53d7\u300c\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283\u300d\u4fdd\u969c\uff0c\u6295\u4fdd\u4eba\u9700\u81ea\u884c\u8a55\u4f30\u4fdd\u96aa\u516c\u53f8\u8ca1\u52d9\u5be6\u529b\u53ca\u4fe1\u8cb8\u8a55\u7d1a\u3002\u7136\u800c\u4fdd\u96aa\u516c\u53f8\u53d7\u4fdd\u76e3\u5c40\u56b4\u683c\u76e3\u7ba1\uff0c\u71df\u904b\u900f\u660e\u5ea6\u9ad8\uff0c\u6295\u8cc7\u8005\u4e00\u822c\u53ef\u4ee5\u653e\u5fc3\u5c07\u4e00\u5b9a\u90e8\u5206\u7684\u8cc7\u7522\u914d\u7f6e\u5230\u5132\u84c4\u4fdd\u96aa\u7522\u54c1\u4e0a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u56de\u5831\u6a21\u5f0f\u8207\u5be6\u969b\u6536\u76ca<\/h3>\n\n\n\n<p>\u9280\u884c\u5b9a\u5b58\u63d0\u4f9b\u660e\u78ba\u7684\u4fdd\u8b49\u5229\u7387\uff0c\u56de\u5831\u7a69\u5b9a\u800c\u5bb9\u6613\u8a08\u7b97\u3002\u6295\u8cc7\u8005\u53ef\u6839\u64da\u5b58\u6b3e\u91d1\u984d\u53ca\u5e74\u671f\uff0c\u9810\u5148\u77e5\u9053\u5230\u671f\u6642\u53ef\u7372\u5f97\u7684\u5229\u606f\u6536\u76ca\u3002<\/p>\n\n\n\n<p>\u5132\u84c4\u4fdd\u96aa\u6bd4\u5b9a\u671f\u5b58\u6b3e\u8f03\u8907\u96dc\uff0c\u5206\u70ba\u4fdd\u8b49\u8207\u975e\u4fdd\u8b49\u56de\u5831\uff0c\u4fdd\u8b49\u56de\u5831\u65bc\u6295\u4fdd\u524d\u91d0\u5b9a\uff1b\u975e\u4fdd\u8b49\u56de\u5831\u5247\u8996\u4e4e\u4fdd\u96aa\u516c\u53f8\u6295\u8cc7\u8868\u73fe\uff0c\u5b58\u5728\u6ce2\u52d5\u98a8\u96aa\uff0c\u5be6\u969b\u56de\u5831\u6216\u4f4e\u65bc\u9810\u671f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. 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href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/savings-insurance-promo-code\"><u>WeSave\u5b9a\u606f\u5132\u84c4\u4fddS3<\/u><\/a>\u300d\u53ca\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/easysave-insurance-plan\"><u>EasySave\u667a\u6613\u5132\u84c4\u4fddES1<\/u><\/a>\u300d\u53ef\u4ee5\u96a8\u6642\u9000\u4fdd\u800c\u7121\u984d\u5916\u6536\u8cbb\uff0c\u6bd4\u5b9a\u671f\u5b58\u6b3e\u53ca\u574a\u9593\u5927\u591a\u6578\u5132\u84c4\u4fdd\u96aa\u7522\u54c1\u66f4\u9748\u6d3b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. 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class=\"wp-block-heading\">\u50b3\u7d71\u4fdd\u96aa\u7522\u54c1\u8207\u5b9a\u671f\u4fdd\u96aa\u7522\u54c1\u7684\u6bd4\u8f03<\/h2>\n\n\n\n<p>\u5728\u6bd4\u8f03\u5b9a\u671f\u5b58\u6b3e\u8207\u5132\u84c4\u4fdd\u96aa\u4ee5\u5916\uff0c\u6211\u5011\u4ea6\u53ef\u4ee5\u5c07\u50b3\u7d71\u542b\u5132\u84c4\u6210\u5206\u7684\u4fdd\u96aa\u7522\u54c1\uff0c\u8207\u76ee\u7684\u660e\u78ba\u7684\u7d14\u4fdd\u96aa\u7522\u54c1\u4e26\u6392\u8003\u616e\u3002<\/p>\n\n\n\n<p>\u50b3\u7d71\u4fdd\u96aa\u7522\u54c1\u666e\u904d\u5c07\u5132\u84c4\u3001\u6295\u8cc7\u3001\u4eba\u58fd\u3001\u5371\u75be\u3001\u91ab\u7642\u7b49\u591a\u7a2e\u529f\u80fd\u6574\u5408\u65bc\u540c\u4e00\u4efd\u7d9c\u5408\u4fdd\u55ae\uff0c\u7522\u54c1\u7d50\u69cb\u8907\u96dc\u3001\u689d\u6b3e\u7e41\u591a\uff0c\u6295\u4fdd\u4eba\u5f80\u5f80\u96e3\u4ee5\u6e05\u6670\u7406\u89e3\u4fdd\u969c\u7bc4\u570d\u53ca\u56de\u5831\u7d30\u7bc0\u3002\u9019\u985e\u7d9c\u5408\u5f0f\u7522\u54c1\u96d6\u7136\u770b\u4f3c\u300c\u4e00\u55ae\u591a\u4fdd\u300d\uff0c\u4f46\u5be6\u969b\u4e0a\u672a\u5fc5\u80fd\u7cbe\u6e96\u5730\u5207\u5408\u6295\u4fdd\u4eba\u7684\u5be6\u969b\u9700\u6c42\uff0c\u751a\u81f3\u6709\u6a5f\u6703\u4ee4\u4fdd\u8cbb\u4e0a\u5347\u6216\u4fdd\u969c\u7bc4\u570d\u91cd\u758a\u3002<\/p>\n\n\n\n<p>\u53cd\u89c0<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\"><u>\u5b9a\u671f\u4eba\u58fd<\/u><\/a>\u3001<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/critical-illness-insurance\"><u>\u5b9a\u671f\u5371\u75be<\/u><\/a>\u53ca<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/savings-plans\"><u>\u7d14\u5132\u84c4\u4fdd\u96aa<\/u><\/a>\u7522\u54c1\u5247\u5f37\u8abf\u529f\u80fd\u7c21\u7d04\u3001\u689d\u6b3e\u900f\u660e\uff0c\u8b93\u6295\u4fdd\u4eba\u80fd\u5920\u6839\u64da\u81ea\u8eab\u9700\u8981\uff0c\u9748\u6d3b\u7d44\u5408\u4e0d\u540c\u4fdd\u969c\u3002\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u5c08\u6ce8\u65bc\u63d0\u4f9b\u8eab\u6545\u4fdd\u969c\uff0c\u4fdd\u8cbb\u8f03\u4f4e\uff1b\u5b9a\u671f\u5371\u75be\u4fdd\u96aa\u5c31\u91dd\u5c0d\u91cd\u5927\u75be\u75c5\u63d0\u4f9b\u4e00\u6b21\u6027\u8ce0\u511f\uff0c\u4fdd\u969c\u7bc4\u570d\u53ca\u76ee\u7684\u660e\u78ba\uff1b\u7d14\u5132\u84c4\u4fdd\u96aa\u5247\u4ee5\u5132\u84c4\u53ca\u8cc7\u7522\u589e\u503c\u70ba\u4e3b\uff0c\u56de\u5831\u8a08\u7b97\u6e05\u6670\u3002\u4e0a\u8ff0\u7522\u54c1\u7c21\u55ae\u6613\u660e\uff0c\u6295\u4fdd\u4eba\u53ef\u6839\u64da\u500b\u4eba\u9810\u7b97\u53ca\u4fdd\u969c\u91cd\u9ede\uff0c\u9078\u64c7\u6700\u5207\u5408\u81ea\u8eab\u9700\u8981\u7684\u7d44\u5408\uff0c\u907f\u514d\u56e0\u7522\u54c1\u904e\u65bc\u8907\u96dc\u800c\u7522\u751f\u8aa4\u89e3\u6216\u4fdd\u969c\u4e0d\u8db3\u7684\u60c5\u6cc1\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5132\u84c4\u8207\u4fdd\u969c\u4e4b\u9593\u7684\u914d\u7f6e<\/h2>\n\n\n\n<p>\u4e0d\u5c11\u5e74\u8f15\u4e00\u65cf\u6703\u7a4d\u6975\u5132\u84c4\uff0c\u4f46\u5c31\u5ffd\u7565\u4e86\u4eba\u58fd\u6216\u5371\u75be\u7b49\u4fdd\u96aa\u7684\u91cd\u8981\u3002\u4eba\u751f\u5145\u6eff\u8b8a\u6578\uff0c\u610f\u5916\u6216\u75be\u75c5\u96a8\u6642\u53ef\u80fd\u767c\u751f\uff0c\u672a\u9810\u5148\u898f\u5283\u5c07\u53ef\u80fd\u9593\u63a5\u4ee4\u5bb6\u4eba\u52a0\u91cd\u8ca1\u52d9\u58d3\u529b\u3002<\/p>\n\n\n\n<p>\u6211\u5011\u61c9\u8a18\u5f97\u4fdd\u96aa\u4e26\u975e\u55ae\u7d14\u7684\u652f\u51fa\uff0c\u800c\u662f\u7d66\u5bb6\u4eba\u8ca1\u52d9\u5b89\u5168\u7684\u4fdd\u969c\u3002\u59a5\u5584\u4e26\u9069\u5ea6\u5730\u914d\u7f6e\u6536\u5165\u4e88\u4fdd\u96aa\u53ca\u5132\u84c4\u7522\u54c1\uff0c\u53ef\u4ee5\u5728\u4e0d\u5927\u5e45\u5f71\u97ff\u73fe\u91d1\u6d41\u7684\u72c0\u614b\u4e0b\u7d2f\u7a4d\u8ca1\u5bcc\uff0c\u53c8\u70ba\u5bb6\u4eba\u591a\u6dfb\u4e00\u4efd\u5b89\u5fc3\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/daily-money-saving-tips\/\"><u>\u5132\u84c4\u8981\u7531\u7d30\u7bc0\u8457\u773c\uff01\u5f9e\u8907\u5229\u6548\u61c9\u958b\u59cb\u7684\u65e5\u5e38\u751f\u6d3b\u6173\u9322\u5fc3\u6cd5\u53ca\u65b9\u6cd5<\/u><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Blue\u5132\u84c4\u4fdd\u96aa\u7522\u54c1<\/h2>\n\n\n\n<p>Blue\u63d0\u4f9b\u4e0d\u540c\u5132\u84c4\u671f\u7684\u9ad8\u606f\u5132\u84c4\u4fdd\u96aa\u7522\u54c1\uff1a<\/p>\n\n\n\n<p>\u5e0c\u671b\u4ee5\u4e0a\u7684\u5132\u84c4\u4fdd\u96aa vs \u5b9a\u671f\u5b58\u6b3e\u6bd4\u8f03\uff0c\u80fd\u5e6b\u52a9\u5927\u5bb6\u63c0\u9078\u5230\u9069\u5408\u81ea\u5df1\u7684\u5132\u84c4\u5de5\u5177\u3002Blue\u63d0\u4f9b\u4e0d\u540c\u5132\u84c4\u671f\u7684\u9ad8\u606f\u5132\u84c4\u4fdd\u96aa\u7522\u54c1\uff0c\u9069\u5408\u4e0d\u540c\u7684\u9700\u8981\u53ca\u4eba\u751f\u898f\u5283\uff1a\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\"><u>WeSave \u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fdd ST1<\/u><\/a>\u300d\u4fdd\u969c\u671f\u70ba1\u62162\u5e74\uff0c\u9069\u5408\u8ffd\u6c42\u77ed\u671f\u56de\u5831\uff0c\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u53ef\u90542.81%\uff08\u8a3b1\uff09\uff1b\u82e5\u8a08\u5283\u4e2d\u671f\u8cfa\u53d6\u53ef\u89c0\u56de\u5831\uff0c\u53ef\u4ee5\u9078\u64c7\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/endowment-insurance-promotion\"><u>WeSave\u9ad8\u606f\u5132\u84c4\u4fddE1<\/u><\/a>\u300d\uff0c\u70ba\u671f5\u5e74\uff0c\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u90543.31%\uff08\u8a3b2\uff09\u3002\u5169\u6b3e\u7522\u54c1\u90fd\u53ea\u9808\u4e00\u7b46\u904e\u7e73\u4ea4\u4fdd\u8cbb\u5373\u53ef\u9396\u5b9a\u606f\u53e3\uff0c\u5b89\u5fc3\u8cfa\u53d6\u7a69\u5b9a\u56de\u5831\uff0c\u52a9\u4f60\u8f15\u9b06\u9054\u6210\u5132\u84c4\u8a08\u5283\uff0c\u5be6\u73fe\u8cc7\u7522\u589e\u503c\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.blue.com.hk\/hk\/short-term-endowment\" target=\"_blank\" rel=\" noreferrer noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"970\" height=\"250\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr.png\" alt=\"\" class=\"wp-image-14862\" srcset=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr.png 970w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr-300x77.png 300w, https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/ST1-3yr-768x198.png 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/promotions\/endowment-insurance-promotion\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/06\/E1-3.6pa-banner-TC-970x250-1.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>\u8a3b\u91cb\uff1a<\/p>\n\n\n\n<p>\u8a3b1\uff1a\u6b64\u56de\u5831\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc2\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u3002\u63d0\u65e9\u9000\u4fdd\u9700\u7e73\u4ed8\u9000\u4fdd\u8cbb\u7528\uff08\u5df2\u7e73\u7e3d\u4fdd\u8cbb\u4e4b5%\uff09\u3002 <br>\u8a3b2\uff1a\u6b64\u56de\u5831\u7387\u662f\u6307\u5728\u4fdd\u55ae\u65bc5\u5e74\u671f\u6eff\u6642\u7684\u6bcf\u5e74\u4fdd\u8b49\u56de\u5831\u7387\u3002\u63d0\u65e9\u9000\u4fdd\u8cbb\u7528\u9069\u7528\u65bc\u99963\u500b\u4fdd\u55ae\u5e74\u5ea6\u3002<\/p>\n\n\n\n<p>\u300cWeSave\u77ed\u671f\u9ad8\u606f\u5132\u84c4\u4fddST1\u300d\u3001\u300cEasySave\u667a\u6613\u5132\u84c4\u4fddES1\u300d\u3001\u300cWeSave\u5b9a\u606f\u5132\u84c4\u4fddS3\u300d\u53ca\u300cWeSave\u9ad8\u606f\u5132\u84c4\u4fddE1\u300d\u5747\u70ba\u5132\u84c4\u4fdd\u96aa\u8a08\u5283\uff0c\u4e26\u975e\u9280\u884c\u5132\u84c4\u7522\u54c1\u3002 \u4ee5\u4e0a\u7522\u54c1\u53ca\u512a\u60e0\u5747\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\u3002\u4ee5\u4e0a\u8cc7\u6599\u53ea\u4f9b\u53c3\u8003\uff0c\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 <br>\u672c\u6587\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>\u8cc7\u6599\u4f86\u6e90\uff1a<\/p>\n\n\n\n<p>\u9322\u5bb6\u6709\u9053 &#8211; <a href=\"https:\/\/www.ifec.org.hk\/web\/tc\/financial-products\/personal-banking\/bank-accounts.page\"><u>\u9280\u884c\u6236\u53e3<\/u><\/a><br>\u9322\u5bb6\u6709\u9053 &#8211; <a href=\"https:\/\/www.ifec.org.hk\/web\/tc\/financial-products\/personal-banking\/deposit-protection-scheme.page\"><u>\u5b58\u6b3e\u4fdd\u969c\u8a08\u5283<\/u><\/a> <br>\u9322\u5bb6\u6709\u9053 &#8211; <a href=\"https:\/\/www.ifec.org.hk\/web\/tc\/financial-products\/insurance\/product-types\/life-insurance.page\"><u>\u4eba\u58fd\u4fdd\u96aa<\/u><\/a><br>\u9322\u5bb6\u6709\u9053 &#8211; <a href=\"https:\/\/www.ifec.org.hk\/web\/tc\/blog\/2022\/05\/Two-considerations-before-purchasing-a-participating-policy.page\"><u>\u8cb7\u5206\u7d05\u4fdd\u55ae\u8981\u6ce8\u610f\u5169\u5927\u91cd\u9ede<\/u><\/a> <br>\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40 &#8211; <a href=\"https:\/\/www.ia.org.hk\/tc\/infocenter\/files\/Understanding_Life_Insurance_Chi.pdf\"><u>\u8a8d\u8b58\u4eba\u58fd\u4fdd\u96aa<\/u><\/a> <br>\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40 &#8211; <a href=\"https:\/\/www.ia.org.hk\/en\/infocenter\/files\/iMoney_ILAS.pdf\"><u>\u6295\u8cc7\u76f8\u9023\u58fd\u96aa\u5571\u5514\u5571\u4f60\uff1f<\/u><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u80a1\u7968\u5e02\u5834\u6301\u7e8c\u4e0d\u7a69\uff0c\u52a0\u4e0a\u5916\u570d\u7d93\u6fdf\u74b0\u5883\u4ee5\u53ca\u5730\u7de3\u653f\u6cbb\u7b49\u4e0d\u78ba\u5b9a\u56e0\u7d20\uff0c\u82e5\u60f3\u4ee5\u7a69\u9663\u6295\u8cc7\u70ba\u65b9\u5411\uff0c\u61c9\u9078\u64c7\u98a8\u96aa\u8f03\u4f4e\u3001\u56de\u5831\u8f03\u9ad8\u7684\u5132\u84c4\u65b9\u6cd5\uff1f\u5e02\u5834\u4e0a\u7684\u7406\u8ca1\u5de5\u5177\u6797\u6797\u7e3d\u7e3d\uff0c\u5b9a\u671f\u5b58\u6b3e\u3001\u5132\u84c4\u4fdd\u96aa\u53ef\u80fd\u662f\u4e0d\u5c11\u4eba\u7684\u9078\u64c7\uff0c\u5230\u5e95\u5169\u8005\u5206\u5225\u5728\u54ea\u88e1\uff1f\u5982\u4f55\u9078\u64c7\u9069\u5408\u81ea\u5df1\u80fd\u529b\u53ca\u6709\u9810\u671f\u56de\u5831\u7684\u5132\u84c4\u65b9\u5f0f\uff1f \u5c0d\u65bc\u5132\u84c4\u4fdd\u96aa vs \u5b9a\u671f\u7684\u554f\u984c\uff0cBlue\u7406\u8ca1\u9054\u4eba\u4ee5\u8cc7\u91d1\u6d41\u52d5\u6027\u3001\u56de\u5831\u3001\u5e74\u671f\u7b49\u56e0\u7d20\u5206\u6790\u9019\u5169\u7a2e\u5132\u84c4\u8a08\u5283\uff0c\u52a9\u4f60\u66f4\u4e86\u89e3\u81ea\u5df1\u7684\u7406\u8ca1\u9700\u8981\uff0c\u627e\u5230\u5408\u9069\u81ea\u5df1\u7684\u5132\u84c4\u65b9\u5f0f\u3002 \u751a\u9ebc\u662f\u5b9a\u671f\u5b58\u6b3e\uff1f \u5b9a\u671f\u5b58\u6b3e\uff08\u53c8\u7a31\u5b9a\u5b58\u3001\u5b9a\u671f\u5132\u84c4\u5b58\u6b3e\uff09\u6307\u5c07\u4e00\u7b46\u8cc7\u91d1\u5b58\u653e\u65bc\u9280\u884c\u6307\u5b9a\u7684\u5b9a\u671f\u5b58\u6b3e\u6236\u53e3\uff0c\u5b58\u671f\u53ef\u7531\u4e00\u661f\u671f\u81f3\u6578\u5e74\u4e0d\u7b49\u3002\u5728\u5b58\u6b3e\u671f\u5167\uff0c\u8cc7\u91d1\u4e0d\u53ef\u96a8\u610f\u63d0\u53d6\uff0c\u5f85\u5230\u671f\u5f8c\u624d\u80fd\u9818\u56de\u672c\u91d1\u53ca\u5229\u606f\u3002\u7531\u65bc\u5b58\u6b3e\u671f\u56fa\u5b9a\uff0c\u9280\u884c\u4e00\u822c\u6703\u63d0\u4f9b\u6bd4\u666e\u901a\u5132\u84c4\u6236\u53e3\u66f4\u9ad8\u7684\u5229\u7387\u3002 \u5047\u8a2d\u4f60\u5c07HK$100,000\u5b58\u5165\u9280\u884c\uff0c\u9078\u64c760\u500b\u6708\u5b9a\u671f\uff0c\u5e74\u5229\u7387\u70ba3.5%\u3002\u7531\u65bc\u5b58\u6b3e\u671f\u662f\u534a\u5e74\uff08\u53736\u500b\u6708\uff09\uff0c\u8a08\u7b97\u5229\u606f\u6642\u8981\u5c07\u5e74\u5229\u7387\u6309\u6bd4\u4f8b\u6298\u7b97\u3002\u8a08\u7b97\u65b9\u6cd5\u5982\u4e0b\uff1a \u5229\u606f = \u672c\u91d1 \u00d7 \u5e74\u5229\u7387 \u00d7(\u5b58\u6b3e\u671f\u6708\u6578 \u00f7 12) \u4ee5\u4e0a\u4f8b\u5b50\u7684\u8a08\u7b97\u70ba\uff1a\u5229\u606f = 100,000 \u00d7 3.5% [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":12989,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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