{"id":9348,"date":"2025-07-03T12:04:47","date_gmt":"2025-07-03T12:04:47","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=9348"},"modified":"2025-12-18T01:47:15","modified_gmt":"2025-12-18T01:47:15","slug":"guide-to-avoiding-orphan-policies","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/guide-to-avoiding-orphan-policies","title":{"rendered":"\u5b64\u5152\u55ae\u662f\u4ec0\u9ebc\u610f\u601d\uff1f\u4e86\u89e3\u4fdd\u96aa\u5b64\u5152\u55ae\u53ca\u5982\u4f55\u81ea\u6551\uff01"},"content":{"rendered":"\n<p>\u4fdd\u96aa\u5df2\u7d93\u6210\u70ba\u6211\u5011\u751f\u6d3b\u4e2d\u7528\u4f5c\u5c0d\u6c96\u98a8\u96aa\u4ee5\u81f3\u898f\u5283\u4eba\u751f\u7684\u5de5\u5177\uff0c\u6108\u4f86\u6108\u5f97\u5230\u666e\u904d\u6d88\u8cbb\u8005\u7684\u63a5\u53d7\u3002\u7136\u800c\uff0c\u96d6\u7136\u4e0d\u5c11\u4eba\u6709\u610f\u6295\u4fdd\u4fdd\u96aa\uff0c\u537b\u53c8\u5bb3\u6015\u6703\u8b8a\u6210\u300c\u5b64\u5152\u55ae\u300d\u3002\u4fdd\u96aa\u696d\u4e2d\u7684\u5b64\u5152\u55ae\u610f\u601d\u662f\u4ec0\u9ebc\uff1f\u70ba\u4f55\u9999\u6e2f\u7684\u5b64\u5152\u4fdd\u55ae\u554f\u984c\u4e00\u76f4\u56b4\u91cd\uff1f\u53c8\u6709\u4ec0\u9ebc\u65b9\u6cd5\u53ef\u4ee5\u907f\u514d\u81ea\u5df1\u7684\u4fdd\u55ae\u6c92\u4eba\u7406\uff1f<\/p>\n\n\n\n<h2 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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-table9348_5972e1-8a td, .kb-table9348_5972e1-8a 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-table9348_5972e1-8a td, .kb-table9348_5972e1-8a 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-container9348_5972e1-8a wp-block-kadence-table\"><table class=\"kb-table kb-table9348_5972e1-8a\">\n<style>.kb-table-container .kb-table tr.kb-table-row9348_c53550-ca{background-color:#d7e8ff;}<\/style><tr class=\"kb-table-row kb-table-row9348_c53550-ca\">\n<th class=\"kb-table-data kb-table-data9348_57bd48-2f\">\n\n<p><\/p>\n\n<\/9348_57bd48-2f>\n\n<th class=\"kb-table-data kb-table-data9348_9c15c5-e0\">\n\n<p class=\"has-text-color has-link-color wp-elements-ed081ed844479a2b2537d6834baa65cc\" style=\"color:#1e293b\"><strong>WeCare \u5371\u75be\u4fdd\u969c\u8a08\u52831<\/strong><\/p>\n\n<\/9348_9c15c5-e0>\n\n<th class=\"kb-table-data kb-table-data9348_058076-55\">\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<\/9348_058076-55>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row9348_8f80ce-ec\">\n<th class=\"kb-table-data kb-table-data9348_17fc28-4c\">\n\n<p class=\"has-ast-global-color-4-color has-text-color has-link-color wp-elements-f79cc0082711494576cff38a8f8ed085\">\u7522\u54c1\u7279\u9ede<\/p>\n\n<\/9348_17fc28-4c>\n\n<td class=\"kb-table-data kb-table-data9348_79d405-9e\">\n\n<ul class=\"wp-block-list\">\n<li>\u91dd\u5c0d3\u5927\u4e3b\u8981\u5371\u75be &#8211; 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kb-table-data9348_e4fce2-3e\">\n<style>.wp-block-kadence-advancedbtn.kb-btns9348_89a422-3d{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns9348_89a422-3d .kt-button{font-weight:normal;font-style:normal;}.kt-btns9348_89a422-3d .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns9348_89a422-3d .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns9348_89a422-3d .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns9348_89a422-3d .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns9348_89a422-3d .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns9348_89a422-3d .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns9348_89a422-3d .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns9348_89a422-3d\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn9348_d3e64e-fd.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn9348_d3e64e-fd.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-btn9348_d3e64e-fd.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-btn9348_d3e64e-fd 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-personal-accident-protection-plan-1\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">\u67e5\u770b\u8a73\u60c5<\/span><\/a><\/div>\n\n<\/9348_e4fce2-3e>\n\n<td class=\"kb-table-data kb-table-data9348_f383f2-09\">\n<style>.wp-block-kadence-advancedbtn.kb-btns9348_032c86-b6{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns9348_032c86-b6 .kt-button{font-weight:normal;font-style:normal;}.kt-btns9348_032c86-b6 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns9348_032c86-b6 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns9348_032c86-b6 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns9348_032c86-b6 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns9348_032c86-b6 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns9348_032c86-b6 .kt-btn-wrap-0 .kt-button:hover, 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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\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">\u67e5\u770b\u8a73\u60c5<\/span><\/a><\/div>\n\n<\/9348_f383f2-09>\n<\/tr>\n<\/table><\/div>\n\n\n<p>*\u300c\u6700\u4f4e\u50f9\u4fdd\u8b49\u300d\u4ee5\u5169\u8005\u4fdd\u55ae\u4e4b\u6a19\u6e96\u4fdd\u8cbb\u4f5c\u6bd4\u8f03\uff0c\u82e5\u8981\u7b26\u5408\u300c\u6700\u4f4e\u50f9\u4fdd\u8b49\u300d\u8cc7\u683c\uff0c\u5169\u8005\u4fdd\u55ae\u4e4b\u4fdd\u969c\u984d\u3001\u4fdd\u8cbb\u7e73\u4ed8\u671f\u3001\u4fdd\u55ae\u4fdd\u969c\u671f\u3001\u6295\u4fdd\u5e74\u9f61\u3001\u6027\u5225\u548c\u5438\u7159\u72c0\u6cc1\u5fc5\u9808\u76f8\u540c\uff0c\u4e14\u53ea\u9069\u7528\u65bc\u9999\u6e2f\u5883\u5167\u53ca\u7db2\u4e0a\u92b7\u552e\u7684\u4eba\u58fd\u4fdd\u96aa\u7522\u54c1\u3002\u300c\u6700\u4f4e\u50f9\u4fdd\u8b49\u300d\u4e0d\u9069\u7528\u65bc\u5df2\u905e\u4ea4\u4e4b\u7533\u8acb\u53ca\u751f\u6548\u4e2d\u7684\u4fdd\u55ae\u3002\u512a\u60e0\u50f9\u683c\u4e0d\u9069\u7528\u65bc\u5176\u5f8c\u7e8c\u4fdd\u4e4b\u4fdd\u8cbb\u3002 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