{"id":9623,"date":"2025-03-03T15:41:00","date_gmt":"2025-03-03T15:41:00","guid":{"rendered":"https:\/\/www.blue.com.hk\/wp\/?p=9623"},"modified":"2025-12-18T04:43:58","modified_gmt":"2025-12-18T04:43:58","slug":"life-insurance-claim-information","status":"publish","type":"post","link":"https:\/\/www.blue.com.hk\/blog\/hk\/%e4%bf%9d%e9%9a%aa%e7%9f%a5%e8%ad%98\/life-insurance-claim-information","title":{"rendered":"\u4eba\u58fd\u4fdd\u96aa\u6703\u62d2\u8ce0\u55ce\uff1f\u4e86\u89e3\u4eba\u58fd\u4fdd\u96aa\u6b7b\u4ea1\u8ce0\u511f\u91d1\u984d\u53ca\u6642\u9593"},"content":{"rendered":"\n<p>\u4e0d\u8ad6\u55ae\u8077\u6216\u662f\u96d9\u8077\u5bb6\u5ead\uff0c\u9999\u6e2f\u4e0d\u5c11\u5bb6\u5ead\u7d93\u6fdf\u652f\u67f1\u90fd\u9078\u64c7\u6295\u4fdd<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">\u4eba\u58fd\u4fdd\u96aa<\/a>\uff0c\u78ba\u4fdd\u842c\u4e00\u4e0d\u5e78\u8eab\u6545\u6642\u4ecd\u80fd\u70ba\u4f34\u4fb6\u3001\u5b50\u5973\u6216\u7236\u6bcd\u63d0\u4f9b\u4e00\u7b46\u4fdd\u969c\u91d1\uff0c\u7528\u4ee5\u652f\u4ed8\u79df\u91d1\u3001\u751f\u6d3b\u65e5\u5e38\u53ca\u6559\u80b2\u8cbb\u7528\u7b49\u958b\u652f\u3002\u7136\u800c\uff0c\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u4eba\u58fd\u4fdd\u96aa\u53ef\u80fd\u6703\u62d2\u8ce0\uff01\u70ba\u4e86\u78ba\u4fdd\u4fdd\u969c\u80fd\u771f\u6b63\u767c\u63ee\u4f5c\u7528\uff0c<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/category\/insurance-knowledge\/\">Blue\u4fdd\u96aa\u9054\u4eba<\/a>\u5c07\u70ba\u4f60\u8a73\u7d30\u4ecb\u7d39\u4eba\u58fd\u4fdd\u96aa\u7406\u8ce0\u7bc4\u570d\u3001\u6b7b\u4ea1\u8ce0\u511f\u91d1\u984d\u4ee5\u53ca\u8ce0\u511f\u6642\u9593\uff0c\u4e26\u63d0\u4f9b\u4eba\u58fd\u4fdd\u96aa\u7406\u8ce0\u7533\u8acb\u6d41\u7a0b\uff0c\u52a9\u4f60\u964d\u4f4e\u62d2\u8ce0\u98a8\u96aa\uff0c\u4fdd\u969c\u5bb6\u4eba\u7684\u672a\u4f86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4eba\u58fd\u4fdd\u96aa\u6b7b\u4ea1\u8ce0\u511f\u91d1\u984d\u591a\u5c11\uff1f<\/h2>\n\n\n\n<p>\u82e5\u7b26\u5408\u8ce0\u511f\u689d\u4ef6\uff0c\u4eba\u58fd\u4fdd\u96aa\u6b7b\u4ea1\u8ce0\u511f\u91d1\u984d\u4e00\u822c\u662f\u4fdd\u55ae\u7684\u4eba\u58fd\u4fdd\u969c\u984d\u7684100%\uff0c\u4e5f\u5c31\u662f\u6295\u4fdd\u7e3d\u984d\uff08\u9700\u6263\u9664\u8ca0\u50b5\uff0c\u5982\u672a\u7e73\u6e05\u4e4b\u4fdd\u8cbb\uff09\u3002\u4f8b\u5982\u4f60\u6295\u4fddHK$200\u842c\u7684\u4eba\u58fd\u4fdd\u96aa\uff0c\u8eab\u6545\u5f8c\u4fdd\u96aa\u53d7\u76ca\u4eba\u5c07\u7372\u5f97HK$200\u842c\u7684\u4fdd\u96aa\u7406\u8ce0\u91d1\u3002\u4e0d\u904e\uff0c\u5982\u679c\u6295\u4fdd\u7d9c\u5408\u578b\u4fdd\u969c\u8a08\u5283\uff0c\u5982Blue\u7684\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-3-in-1-protector\">WeCare \u4e09\u5408\u4e00\u5168\u9762\u4fdd<\/a>\u300d\uff0c\u9664\u4e86\u4eba\u58fd\u4fdd\u969c\u4ea6\u5305\u62ec<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/personal-accident-protection\">\u500b\u4eba\u610f\u5916<\/a>\u53ca<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/critical-illness-insurance\">\u5371\u75be<\/a>\u4fdd\u969c\uff0c\u5728\u5176\u500b\u4eba\u610f\u5916\u4fdd\u969c\u4e0b\uff0c\u82e5\u53d7\u4fdd\u4eba\u5728\u610f\u5916\u767c\u751f\u5f8c180\u5929\u5167\u4e0d\u5e78\u8eab\u6545\uff0c\u5c07\u652f\u4ed8\u6700\u65b0\u4fdd\u969c\u984d\u7684200%\uff08\u6263\u9664\u4efb\u4f55\u8ca0\u50b5\uff09\uff0c\u66f4\u5168\u9762\u4fdd\u969c\u5404\u7a2e\u9700\u8981\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4eba\u58fd\u4fdd\u96aa\u8ce0\u511f\u6642\u9593\u591a\u4e45\uff1f<\/h2>\n\n\n\n<p>\u53d7\u76ca\u4eba\u62ff\u5230\u53d7\u4fdd\u4eba\u7684<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/about-certificate-of-registration-of-death\/\">\u6b7b\u4ea1\u8b49\u660e\u66f8<\/a>\uff0c\u4e26\u5411\u4fdd\u96aa\u516c\u53f8\u63d0\u4ea4\u7d22\u511f\u7533\u8acb\u5f8c\uff0c\u82e5\u6587\u4ef6\u9f4a\u5099\u4e14\u7b26\u5408\u8ce0\u511f\u689d\u4ef6\uff0c\u4fdd\u96aa\u516c\u53f8\u5c07\u652f\u4ed8\u4eba\u58fd\u4fdd\u96aa\u6b7b\u4ea1\u8ce0\u511f\u91d1\u984d\uff0c\u4e00\u822c\u7684\u4eba\u58fd\u4fdd\u96aa\u8ce0\u511f\u6642\u9593\u7d04\u70ba2\u661f\u671f\u81f31\u500b\u6708\u3002\u9700\u8981\u7559\u610f\u7684\u662f\uff0c\u5927\u591a\u6578\u4fdd\u96aa\u516c\u53f8\u8a2d\u6709\u7d22\u511f\u671f\u9650\uff08\u591a\u6578\u70ba 30 \u65e5\uff09\uff0c\u56e0\u6b64\u53d7\u76ca\u4eba\u61c9\u5728\u5408\u7406\u53ef\u884c\u7684\u60c5\u6cc1\u4e0b\uff0c\u78ba\u4fdd\u5728\u898f\u5b9a\u671f\u9650\u5167\u63d0\u4ea4\u7533\u8acb\uff0c\u5177\u9ad4\u671f\u9650\u4ee5\u4fdd\u55ae\u689d\u6b3e\u70ba\u6e96\u3002<\/p>\n\n\n\n<p>\u4ee5Blue\u7684\u300c<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">WeCare\u4eba\u58fd\u4fdd\u969c\u7cfb\u5217\u300d<\/a>\u70ba\u4f8b\uff0c\u4eba\u58fd\u4fdd\u96aa\u7d22\u511f\u7a0b\u5e8f\u53ca\u8ce0\u511f\u6642\u9593\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u586b\u5beb\u7d22\u511f\u4eba\u8868\u683c\u53ca\u6e96\u5099\u6240\u9700\u6587\u4ef6\n<ul class=\"wp-block-list\">\n<li>\u53d7\u4fdd\u4eba\u9999\u6e2f\u8eab\u4efd\u8b49\u4e4b\u6838\u5be6\u526f\u672c<\/li>\n\n\n\n<li>\u53d7\u76ca\u4eba\u9999\u6e2f\u8eab\u4efd\u8b49 \/ \u8b77\u7167\u4e4b\u6838\u5be6\u526f\u672c<\/li>\n\n\n\n<li>\u53d7\u4fdd\u4eba\u8207\u53d7\u76ca\u4eba\u4e4b\u95dc\u4fc2\u8b49\u660e\u6587\u4ef6\u526f\u672c<\/li>\n\n\n\n<li>\u53d7\u76ca\u4eba\u53ca\u91ab\u751f\u586b\u5beb\u7684\u7d22\u511f\u7533\u8acb\u8868<\/li>\n\n\n\n<li>\u53d7\u4fdd\u4eba\u6b7b\u4ea1\u8b49\u660e\u66f8\u4e4b\u6838\u5be6\u526f\u672c<\/li>\n\n\n\n<li>\u53d7\u4fdd\u4eba\u8a3b\u92b7\u9999\u6e2f\u8eab\u4efd\u8b49\u8b49\u660e\u66f8\u4e4b\u6838\u5be6\u526f\u672c\uff08\u5982\u65bc\u9999\u6e2f\u5883\u5916\u8eab\u6545\uff09<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u63d0\u4ea4\u7d22\u511f\u6587\u4ef6\n<ul class=\"wp-block-list\">\n<li>\u5c07\u586b\u59a5\u4e4b\u7d22\u511f\u8868\u683c\u9023\u540c\u6240\u9700\u6587\u4ef6\u90f5\u5bc4\u81f3\u672c\u516c\u53f8<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u7b49\u5f85\u521d\u6b65\u7406\u8ce0\u8a55\u4f30\n<ul class=\"wp-block-list\">\n<li>\u6536\u5230\u7d22\u511f\u7533\u8acb\u5f8c\uff0cBlue\u901a\u5e38\u6703\u5728\u5169\u500b\u5de5\u4f5c\u5929\u5167\u56de\u8986\u6709\u5426\u7f3a\u6f0f\u6587\u4ef6\uff0c\u4e26\u63d0\u4f9b\u521d\u6b65\u7406\u8ce0\u8a55\u4f30\u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u652f\u4ed8\u8ce0\u511f\u91d1\n<ul class=\"wp-block-list\">\n<li>\u7406\u8ce0\u8a55\u4f30\u5b8c\u6210\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u5c07\u76e1\u5feb\u5b89\u6392\u652f\u4ed8\u7406\u8ce0\u4e88\u6307\u5b9a\u53d7\u76ca\u4eba\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p>\u63d0\u63d0\u4f60\uff1aBlue\u7279\u8a2d\u300c\u5c0b\u627e\u4fdd\u55ae\u300d\u529f\u80fd\uff0c\u5354\u52a9\u4f60\u5728\u53d7\u4fdd\u4eba\u56e0\u8eab\u6545\u6216\u53d7\u50b7\u7121\u6cd5\u63d0\u51fa\u7d22\u511f\u6642\uff0c\u4ecd\u53ef\u4ee5\u9806\u5229\u63d0\u4ea4\u7533\u8acb\u3002\u53ea\u9700\u63d0\u4f9b\u76f8\u95dc\u8cc7\u6599\uff0c\u6211\u5011\u5c31\u80fd\u70ba\u4f60\u8ddf\u9032\uff0c\u8b93\u4f60\u7372\u5f97\u4fdd\u55ae\u8cc7\u8a0a\u3002<a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-term-life-protection-plan-3?discountCode=BLOGTL3\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-term-life-protection-plan-3?discountCode=BLOGTL3\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/06\/TL3-1.jpg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u4eba\u58fd\u4fdd\u96aa\u62d2\u8ce04\u5927\u5e38\u898b\u539f\u56e0<\/h2>\n\n\n\n<p>\u5be9\u6838\u7d22\u511f\u8cc7\u683c\u6642\uff0c\u4eba\u58fd\u4fdd\u96aa\u62d2\u8ce0\u7d22\u511f\uff0c\u5927\u591a\u662f\u56e0\u70ba\u4e0d\u7b26\u5408\u4fdd\u55ae\u689d\u6b3e\u6216\u76f8\u95dc\u898f\u5b9a\u6240\u81f4\u3002\u4ee5\u4e0b\u662f4\u500b\u5e38\u898b\u7684\u4eba\u58fd\u4fdd\u96aa\u62d2\u8ce0\u539f\u56e0\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u7533\u8acb\u7406\u8ce0\u6587\u4ef6\u4e0d\u5168<\/h3>\n\n\n\n<p>\u58fd\u96aa\u7406\u8ce0\u904e\u7a0b\u4e2d\uff0c\u82e5\u7533\u8acb\u6587\u4ef6\u4e0d\u5168\uff0c\u4f8b\u5982\u7f3a\u5c11\u4e86\u5408\u6cd5\u7684\u6b7b\u4ea1\u8b49\u660e\u66f8\uff0c\u6216\u7d22\u511f\u8868\u683c\u586b\u5beb\u6709\u7f3a\u6f0f\uff0c\u5c07\u53ef\u80fd\u5c0e\u81f4\u7121\u6cd5\u78ba\u8a8d\u7406\u8ce0\u7533\u8acb\u662f\u5426\u7b26\u5408\u4fdd\u55ae\u689d\u6b3e\uff0c\u9032\u800c\u5f15\u767c\u4fdd\u96aa\u516c\u53f8\u62d2\u8ce0\u3002\u56e0\u6b64\uff0c\u7533\u8acb\u7406\u8ce0\u6642\u61c9\u9644\u4e0a\u4fdd\u96aa\u516c\u53f8\u8981\u6c42\u7684\u6240\u6709\u6587\u4ef6\u3002\u5982\u6709\u7591\u554f\uff0c\u61c9\u76e1\u65e9\u5411\u76f8\u95dc\u4fdd\u96aa\u516c\u53f8\u67e5\u8a62\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u672a\u62ab\u9732\u91cd\u8981\u4e8b\u5be6<\/h3>\n\n\n\n<p>\u8cfc\u8cb7<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">\u4eba\u58fd\u4fdd\u96aa<\/a>\u6642\uff0c\u4fdd\u96aa\u516c\u53f8\u901a\u5e38\u8981\u6c42\u53d7\u4fdd\u4eba\u63d0\u4f9b\u5065\u5eb7\u72c0\u6cc1\u3001\u8077\u696d\u548c\u751f\u6d3b\u7fd2\u6163\u7b49\u8cc7\u6599\uff0c\u4ee5\u4f5c\u70ba\u8a55\u4f30\u627f\u4fdd\u98a8\u96aa\u7684\u4f9d\u64da\u3002\u5982\u679c\u53d7\u4fdd\u4eba\u5728\u6295\u4fdd\u6642\u672a\u5982\u5be6\u7533\u5831\uff0c\u800c\u8a72\u907a\u6f0f\u6216\u96b1\u779e\u7684\u8cc7\u6599\u8db3\u4ee5\u5f71\u97ff\u4fdd\u96aa\u516c\u53f8\u7684\u6838\u4fdd\u5224\u65b7\uff0c\u5c0e\u81f4\u4fdd\u96aa\u516c\u53f8\u672a\u80fd\u4f5c\u51fa\u6e96\u78ba\u7684\u627f\u4fdd\u8a55\u4f30\uff0c\u4fdd\u96aa\u516c\u53f8\u6709\u6b0a\u64a4\u92b7\u4fdd\u55ae\u6216\u62d2\u8ce0\u7d22\u511f\u3002\u56e0\u6b64\uff0c\u6295\u4fdd\u4eba\u58fd\u4fdd\u96aa\u6642\u61c9\u8aa0\u5be6\u7533\u5831\uff0c\u4ee5\u78ba\u4fdd\u4fdd\u969c\u6548\u529b\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/what-is-underwriting\/\">\u4fdd\u96aa\u6838\u4fdd(underwriting)\u610f\u601d\u53ca\u6d41\u7a0b\u662f\u4ec0\u9ebc\uff1f\u514d\u6838\u4fdd\u6216\u5b58\u96b1\u6182<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u4fdd\u55ae\u5931\u6548\u6216\u5230\u671f<\/h3>\n\n\n\n<p>\u4eba\u58fd\u4fdd\u96aa\u62d2\u8ce0\u7684\u4e00\u500b\u5e38\u898b\u539f\u56e0\u662f\u4fdd\u55ae\u5df2\u7d93\u5931\u6548\u6216\u5230\u671f\u3002\u5982\u53d7\u4fdd\u4eba\u5728\u4fdd\u55ae\u751f\u6548\u671f\u9593\u8eab\u6545\uff0c\u4e26\u7b26\u5408\u4fdd\u55ae\u7d22\u511f\u689d\u4ef6\uff0c\u4fdd\u96aa\u516c\u53f8\u624d\u6703\u540c\u610f\u7406\u8ce0\u3002\u82e5\u4f60\u7684\u4fdd\u55ae\u56e0\u67d0\u4e9b\u539f\u56e0\u5931\u6548\uff0c\u4f8b\u5982\u8d85\u904e\u4fdd\u55ae\u5bec\u9650\u671f\u4ecd\u672a\u7e73\u7d0d\u4fdd\u8cbb\uff0c\u4fdd\u96aa\u516c\u53f8\u5c31\u6709\u6b0a\u5229\u4e2d\u6b62\u5c0d\u4f60\u7684\u4fdd\u969c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u4eba\u58fd\u4fdd\u96aa\u5176\u4ed6\u300c\u4e0d\u4fdd\u4e8b\u9805\u300d[1]<\/h3>\n\n\n\n<p>\u4eba\u58fd\u4fdd\u96aa\u57fa\u672c\u4e0a\u5728\u53d7\u4fdd\u4eba\u96e2\u4e16\u5f8c\uff0c\u5c31\u53ef\u6309\u7167\u4fdd\u55ae\u689d\u6b3e\u8ce0\u4ed8\u53d7\u76ca\u4eba\uff0c\u8207\u91ab\u7642\u6216\u610f\u5916\u4fdd\u96aa\u76f8\u6bd4\u722d\u8b70\u8f03\u5c11\u3002\u7136\u800c\uff0c\u7576\u9047\u4e0a\u300c\u4e0d\u4fdd\u4e8b\u9805\u300d\u6642\uff0c\u4eba\u58fd\u4fdd\u96aa\u6709\u6b0a\u62d2\u8ce0\uff0c\u9632\u7bc4\u53d7\u4fdd\u4eba\u84c4\u610f\u9020\u6210\u4e8b\u6545\u767c\u751f\u3002\u9664\u4e0a\u8ff0\u56e0\u7d20\u5916\uff0c\u4eba\u58fd\u4fdd\u96aa\u4e2d\u5e38\u898b\u7684\u300c\u4e0d\u4fdd\u4e8b\u9805\u300d\u9084\u5305\u62ec\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u53c3\u8207\u5371\u96aa\u6216\u975e\u6cd5\u6d3b\u52d5\uff0c\u5982\u8cfd\u8eca\u3001\u8df3\u5098\u6216\u6b63\u5e38\u822a\u73ed\u4ee5\u5916\u7684\u98db\u884c<\/li>\n\n\n\n<li>\u514d\u8cac\u671f\u5167\u767c\u751f\u4e4b\u81ea\u6bba\u884c\u70ba\u3001\u5354\u540c\u81ea\u6bba\u6216\u81ea\u6bba\u5354\u8b70<\/li>\n<\/ol>\n\n\n\n<p>\u70ba\u4e86\u9632\u6b62\u53d7\u4fdd\u4eba\u900f\u904e\u81ea\u6bba\u4f86\u7372\u53d6\u8ce0\u511f\u91d1\uff0c\u4fdd\u96aa\u516c\u53f8\u901a\u5e38\u6703\u70ba\u81ea\u6bba\u884c\u70ba\u984d\u5916\u8a02\u5b9a\u689d\u6b3e\u3002\u4ee5Blue\u70ba\u4f8b\uff0c\u5982\u679c\u53d7\u4fdd\u4eba\u5728\u4fdd\u55ae\u7c3d\u767c\u65e5\u6216\u5fa9\u6548\u65e5\u8d77\u768424\u500b\u6708\u5167\u81ea\u6bba\uff0c\u5c07\u4e0d\u652f\u4ed8\u8eab\u6545\u8ce0\u511f\uff0c\u50c5\u9000\u9084\u8a72\u4fdd\u969c\u671f\u5167\u5df2\u7e73\u4ed8\u7684\u4fdd\u8cbb\u3002\u63d0\u63d0\u5927\u5bb6\uff0cBlue\u7684\u5b9a\u671f\u4eba\u58fd\u4fdd\u96aa\u5c07\u81ea\u6bba\u5217\u70ba\u552f\u4e00\u4e0d\u4fdd\u4e8b\u9805\uff0c\u76f8\u8f03\u65bc\u5176\u4ed6\u7522\u54c1\uff0c\u80fd\u66f4\u5927\u7a0b\u5ea6\u4fdd\u969c\u4f60\u548c\u4f60\u7684\u5bb6\u4eba\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/suicide-insurance-incontestability\/#:~:text=%E4%BA%BA%E5%A3%BD%E4%BF%9D%E5%96%AE%E4%B9%8B%E4%B8%AD%E7%9A%84,%E6%9C%89%E6%AC%8A%E6%8B%92%E7%B5%95%E5%9F%B7%E8%A1%8C%E7%90%86%E8%B3%A0%E3%80%82\">\u4fdd\u96aa\u8ce0\u511f\u5305\u62ec\u81ea\u6bba\u8eab\u6545\u55ce\uff1f\u8a8d\u8b58\u666e\u904d\u4fdd\u96aa\u7522\u54c1\u5c0d\u65bc\u81ea\u6bba\u7684\u689d\u6b3e<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6295\u4fddBlue WeCare\u4eba\u58fd\u4fdd\u96aa\uff0c\u652f\u63f4\u4f60\u548c\u4f60\u7684\u5bb6\u4eba<\/h2>\n\n\n\n<p>\u60f3\u907f\u514d\u4eba\u58fd\u4fdd\u96aa\u62d2\u8ce0\uff0c\u540c\u6642\u842c\u4e00\u4e0d\u5e78\u6642\u4e0d\u803d\u8aa4\u5230\u4eba\u58fd\u4fdd\u96aa\u8ce0\u511f\u6642\u9593\uff0c\u5c31\u61c9\u5148\u6e05\u695a\u4e86\u89e3\u4f60\u7684\u4fdd\u55ae\u7406\u8ce0\u689d\u4ef6\u53ca\u7533\u8acb\u671f\u9650\u3002\u53e6\u5916\uff0c\u4eba\u58fd\u4fdd\u96aa\u7684\u6b7b\u4ea1\u8ce0\u511f\u91d1\u984d\u53d6\u6c7a\u65bc<a href=\"https:\/\/www.blue.com.hk\/blog\/hk\/how-much-life-insurance-coverage-do-i-need\/\">\u6295\u4fdd\u91d1\u984d<\/a>\uff0c\u7cbe\u6e96\u8a08\u7b97\u624d\u80fd\u5728\u95dc\u9375\u6642\u523b\u63d0\u4f9b\u8ca1\u52d9\u652f\u63f4\u3002<\/p>\n\n\n\n<p>Blue\u7684\u5b9a\u671f<a href=\"https:\/\/www.blue.com.hk\/hk\/category\/term-life-protection\">\u4eba\u58fd\u4fdd\u96aa<\/a>\u4e0d\u542b\u5132\u84c4\u6210\u5206\uff0c\u6295\u4fdd\u4eba\u53ef\u6839\u64da\u9700\u6c42\u9078\u64c7\u4fdd\u969c\u671f\u53ca\u6295\u4fdd\u91d1\u984d\uff0c\u53ea\u9700\u56de\u7b54\u7c21\u55ae\u5065\u5eb7\u554f\u984c\uff0c\u6700\u5feb5\u5206\u9418\u5b8c\u6210\u6295\u4fdd\uff0c\u70ba\u5bb6\u4eba\u63d0\u4f9b\u5b89\u5fc3\u4fdd\u969c\u3002<\/p>\n\n\n<style>.kb-table-container14584_10176f-d5{font-size:16px;font-family:'Noto Sans TC';font-weight:400;color:#636972;border-radius:16px !important;overflow:hidden !important;}.kb-table-container14584_10176f-d5 .kb-table14584_10176f-d5{border-collapse:separate !important;border-spacing:0 !important;border-radius:16px !important;}.kb-table-container14584_10176f-d5 .kb-table14584_10176f-d5 thead tr:first-child th:first-child{border-top-left-radius:16px !important;}.kb-table-container14584_10176f-d5 .kb-table14584_10176f-d5 thead tr:first-child th:last-child{border-top-right-radius:16px !important;}.kb-table-container14584_10176f-d5 .kb-table14584_10176f-d5 tbody tr:last-child td:first-child, .kb-table-container14584_10176f-d5 .kb-table14584_10176f-d5 tbody tr:last-child th:first-child{border-bottom-left-radius:16px !important;}.kb-table-container14584_10176f-d5 .kb-table14584_10176f-d5 tbody tr:last-child td:last-child, .kb-table-container14584_10176f-d5 .kb-table14584_10176f-d5 tbody tr:last-child th:last-child{border-bottom-right-radius:16px !important;}.kb-table-container14584_10176f-d5{overflow-x:auto;}.kb-table-container .kb-table14584_10176f-d5 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-table14584_10176f-d5 th ul, .kb-table-container .kb-table14584_10176f-d5 th ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table14584_10176f-d5 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-table14584_10176f-d5 td ul, .kb-table-container .kb-table14584_10176f-d5 td ol{padding-left:1.2em;list-style-position:inside;}.kb-table-container .kb-table14584_10176f-d5 td:nth-of-type(1){background-color:rgba(215,232,255,0);}.kb-table-container .kb-table14584_10176f-d5 th:nth-of-type(1){background-color:rgba(215,232,255,0);}.kb-table-container .kb-table14584_10176f-d5 td, .kb-table14584_10176f-d5 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-table14584_10176f-d5 td, .kb-table14584_10176f-d5 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-table14584_10176f-d5 td, .kb-table14584_10176f-d5 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-container14584_10176f-d5 wp-block-kadence-table\"><table class=\"kb-table kb-table14584_10176f-d5\">\n<style>.kb-table-container .kb-table tr.kb-table-row14584_6f0935-87{background-color:#d7e8ff;}<\/style><tr class=\"kb-table-row kb-table-row14584_6f0935-87\">\n<th class=\"kb-table-data kb-table-data14584_51f507-fe\">\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-flexible-term-life-protection-plan-1\"><strong>WeCare \u9748\u6d3b\u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TF1 ><\/strong><\/a><\/p>\n\n<\/14584_51f507-fe>\n\n<th class=\"kb-table-data kb-table-data14584_9bd504-64\">\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-term-life-protection-plan-3\"><strong>WeCare \u5b9a\u671f\u4eba\u58fd\u4fdd\u969c\u8a08\u5283 TL3 ><\/strong><\/a><\/p>\n\n<\/14584_9bd504-64>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row14584_11e30c-4b\">\n<td class=\"kb-table-data kb-table-data14584_da8502-f6\">\n\n<ul class=\"wp-block-list\">\n<li>\u53ef\u9748\u6d3b\u66f4\u6539\u4fdd\u55ae\u5e74\u671f\u53ca\u4fdd\u969c\u984d\uff0c\u96a8\u6642\u8abf\u6574\u8a08\u5283\uff0c\u7121\u9700\u624b\u7e8c\u8cbb#<\/li>\n\n\n\n<li>\u9069\u7528\u60c5\u6cc1\u4e0b\u53ef\u7372\u9000\u9084\u591a\u4ed8\u4fdd\u8cbb^<\/li>\n<\/ul>\n\n<\/14584_da8502-f6>\n\n<td class=\"kb-table-data kb-table-data14584_fca9e3-9a\">\n\n<ul class=\"wp-block-list\">\n<li>\u7279\u8a2d\u300c\u6700\u4f4e\u50f9\u4fdd\u8b49*\u300d\uff0c\u4e14\u4fdd\u8b49\u65bc\u4fdd\u8cbb\u7e73\u4ed8\u671f\u5167\uff0c\u4fdd\u8cbb\u5c07\u7dad\u6301\u4e0d\u8b8a<\/li>\n\n\n\n<li>\u4fdd\u8b49\u81ea\u52d5\u7e8c\u4fdd\u76f4\u81f3 96 \u6b72\uff0c\u7121\u9700\u5065\u5eb7\u8b49\u660e<\/li>\n<\/ul>\n\n<\/14584_fca9e3-9a>\n<\/tr>\n<\/table><\/div>\n\n\n<p># \u5f9e\u4fdd\u55ae\u751f\u6548\u65e5 \/ \u4e0a\u4e00\u500b\u4fdd\u55ae\u5468\u5e74\u65e5\u8d77\u8a08 12 \u500b\u6708\u5167\uff0c\u6700\u591a\u53ef\u9032\u884c2\u6b21\u8a08\u5283\u66f4\u6539\u3002 <br>^ \u591a\u4ed8\u4fdd\u8cbb\u76f8\u7576\u65bc\u73fe\u6642\u4fdd\u55ae\u4fdd\u969c\u671f\u5167\u5df2\u652f\u4ed8\u7684\u7e3d\u4fdd\u8cbb\u6e1b\u53bb\u76f4\u81f3\u8a08\u5283\u66f4\u6539 \/ \u4fdd\u55ae\u7d42\u6b62\u65e5\u4e4b\u4fdd\u96aa\u8cbb\u7528\u3002<br>*\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 <br>\u4e0a\u8ff0\u7522\u54c1\u53ea\u8a08\u5283\u65bc\u9999\u6e2f\u5883\u5167\u51fa\u552e\uff0c\u8a08\u5283\u53ca\u512a\u60e0\u53d7\u689d\u6b3e\u53ca\u7d30\u5247\u7d04\u675f\uff0c\u8a73\u60c5\u8acb\u53c3\u95b1\u76f8\u95dc\u7522\u54c1\u6982\u8981\u53ca\u4fdd\u55ae\u689d\u6b3e\u3002<\/p>\n\n\n\n<p><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-flexible-term-life-protection-plan-1?discountCode=BLOGTF1\" rel=\"noreferrer noopener\" target=\"_blank\"><\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.blue.com.hk\/hk\/wecare-flexible-term-life-protection-plan-1?discountCode=BLOGTF1\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.blue.com.hk\/blog\/\/app\/uploads\/2025\/07\/2fa2c35a-3996-4327-a2b3-09443132d3b4-1024x264.jpeg\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<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>\u53c3\u8003\u8cc7\u6599\uff1a <br>1. SeniorCLIC \u9577\u8005\u793e\u5340\u6cd5\u7db2 &#8211; <a href=\"https:\/\/seniorclic.hk\/zh\/topics\/farewell-to-life\/life-insurance\/common-exclusions-in-life-insurance-policies\/\">\u4eba\u58fd\u4fdd\u96aa\u4e2d\u5e38\u898b\u7684\u4e0d\u4fdd\u4e8b\u9805<\/a> <br>2. <a href=\"https:\/\/education.ia.org.hk\/tc\/product\/life-insurance.html\">\u4fdd\u96aa\u696d\u76e3\u7ba1\u5c40 &#8211; \u4eba\u58fd\u4fdd\u96aa<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4e0d\u8ad6\u55ae\u8077\u6216\u662f\u96d9\u8077\u5bb6\u5ead\uff0c\u9999\u6e2f\u4e0d\u5c11\u5bb6\u5ead\u7d93\u6fdf\u652f\u67f1\u90fd\u9078\u64c7\u6295\u4fdd\u4eba\u58fd\u4fdd\u96aa\uff0c\u78ba\u4fdd\u842c\u4e00\u4e0d\u5e78\u8eab\u6545\u6642\u4ecd\u80fd\u70ba\u4f34\u4fb6\u3001\u5b50\u5973\u6216\u7236\u6bcd\u63d0\u4f9b\u4e00\u7b46\u4fdd\u969c\u91d1\uff0c\u7528\u4ee5\u652f\u4ed8\u79df\u91d1\u3001\u751f\u6d3b\u65e5\u5e38\u53ca\u6559\u80b2\u8cbb\u7528\u7b49\u958b\u652f\u3002\u7136\u800c\uff0c\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u4eba\u58fd\u4fdd\u96aa\u53ef\u80fd\u6703\u62d2\u8ce0\uff01\u70ba\u4e86\u78ba\u4fdd\u4fdd\u969c\u80fd\u771f\u6b63\u767c\u63ee\u4f5c\u7528\uff0cBlue\u4fdd\u96aa\u9054\u4eba\u5c07\u70ba\u4f60\u8a73\u7d30\u4ecb\u7d39\u4eba\u58fd\u4fdd\u96aa\u7406\u8ce0\u7bc4\u570d\u3001\u6b7b\u4ea1\u8ce0\u511f\u91d1\u984d\u4ee5\u53ca\u8ce0\u511f\u6642\u9593\uff0c\u4e26\u63d0\u4f9b\u4eba\u58fd\u4fdd\u96aa\u7406\u8ce0\u7533\u8acb\u6d41\u7a0b\uff0c\u52a9\u4f60\u964d\u4f4e\u62d2\u8ce0\u98a8\u96aa\uff0c\u4fdd\u969c\u5bb6\u4eba\u7684\u672a\u4f86\u3002 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\u53d7\u76ca\u4eba\u62ff\u5230\u53d7\u4fdd\u4eba\u7684\u6b7b\u4ea1\u8b49\u660e\u66f8\uff0c\u4e26\u5411\u4fdd\u96aa\u516c\u53f8\u63d0\u4ea4\u7d22\u511f\u7533\u8acb\u5f8c\uff0c\u82e5\u6587\u4ef6\u9f4a\u5099\u4e14\u7b26\u5408\u8ce0\u511f\u689d\u4ef6\uff0c\u4fdd\u96aa\u516c\u53f8\u5c07\u652f\u4ed8\u4eba\u58fd\u4fdd\u96aa\u6b7b\u4ea1\u8ce0\u511f\u91d1\u984d\uff0c\u4e00\u822c\u7684\u4eba\u58fd\u4fdd\u96aa\u8ce0\u511f\u6642\u9593\u7d04\u70ba2\u661f\u671f\u81f31\u500b\u6708\u3002\u9700\u8981\u7559\u610f\u7684\u662f\uff0c\u5927\u591a\u6578\u4fdd\u96aa\u516c\u53f8\u8a2d\u6709\u7d22\u511f\u671f\u9650\uff08\u591a\u6578\u70ba 30 \u65e5\uff09\uff0c\u56e0\u6b64\u53d7\u76ca\u4eba\u61c9\u5728\u5408\u7406\u53ef\u884c\u7684\u60c5\u6cc1\u4e0b\uff0c\u78ba\u4fdd\u5728\u898f\u5b9a\u671f\u9650\u5167\u63d0\u4ea4\u7533\u8acb\uff0c\u5177\u9ad4\u671f\u9650\u4ee5\u4fdd\u55ae\u689d\u6b3e\u70ba\u6e96\u3002 \u4ee5Blue\u7684\u300cWeCare\u4eba\u58fd\u4fdd\u969c\u7cfb\u5217\u300d\u70ba\u4f8b\uff0c\u4eba\u58fd\u4fdd\u96aa\u7d22\u511f\u7a0b\u5e8f\u53ca\u8ce0\u511f\u6642\u9593\u5982\u4e0b\uff1a \u63d0\u63d0\u4f60\uff1aBlue\u7279\u8a2d\u300c\u5c0b\u627e\u4fdd\u55ae\u300d\u529f\u80fd\uff0c\u5354\u52a9\u4f60\u5728\u53d7\u4fdd\u4eba\u56e0\u8eab\u6545\u6216\u53d7\u50b7\u7121\u6cd5\u63d0\u51fa\u7d22\u511f\u6642\uff0c\u4ecd\u53ef\u4ee5\u9806\u5229\u63d0\u4ea4\u7533\u8acb\u3002\u53ea\u9700\u63d0\u4f9b\u76f8\u95dc\u8cc7\u6599\uff0c\u6211\u5011\u5c31\u80fd\u70ba\u4f60\u8ddf\u9032\uff0c\u8b93\u4f60\u7372\u5f97\u4fdd\u55ae\u8cc7\u8a0a\u3002 \u4eba\u58fd\u4fdd\u96aa\u62d2\u8ce04\u5927\u5e38\u898b\u539f\u56e0 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\u5ef6\u4f38\u95b1\u8b80\uff1a\u4fdd\u96aa\u6838\u4fdd(underwriting)\u610f\u601d\u53ca\u6d41\u7a0b\u662f\u4ec0\u9ebc\uff1f\u514d\u6838\u4fdd\u6216\u5b58\u96b1\u6182 3. [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":9625,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[62],"tags":[266],"class_list":["post-9623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-62","tag-266"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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