{"id":348,"date":"2025-06-02T08:24:22","date_gmt":"2025-06-02T08:24:22","guid":{"rendered":"https:\/\/wealthlife.hk\/?p=348"},"modified":"2025-06-02T08:25:09","modified_gmt":"2025-06-02T08:25:09","slug":"%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa","status":"publish","type":"post","link":"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/","title":{"rendered":"\u8a8d\u8b58\u91ab\u7642\u4fdd\u96aa"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#%E9%86%AB%E7%99%82%E4%BF%9D%E9%9A%AA%E7%9A%84%E4%BD%9C%E7%94%A8\" >\u91ab\u7642\u4fdd\u96aa\u7684\u4f5c\u7528<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#%E5%B8%B8%E8%A6%8B%E4%BF%9D%E9%9A%9C%E7%AF%84%E5%9C%8D\" >\u5e38\u898b\u4fdd\u969c\u7bc4\u570d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#%E5%B8%B8%E8%A6%8B%E5%88%86%E9%A1%9E\" >\u5e38\u898b\u5206\u985e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#%E6%8A%95%E4%BF%9D%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\" >\u6295\u4fdd\u6ce8\u610f\u4e8b\u9805<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#1_%E6%8A%8A%E6%8F%A1%E6%8A%95%E4%BF%9D%E6%99%82%E6%A9%9F\" >1. \u628a\u63e1\u6295\u4fdd\u6642\u6a5f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#2_%E8%80%83%E6%85%AE%E5%80%8B%E4%BA%BA%E9%9C%80%E8%A6%81\" >2. \u8003\u616e\u500b\u4eba\u9700\u8981<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#3_%E7%95%99%E6%84%8F%E4%B8%8D%E4%BF%9D%E4%BA%8B%E9%A0%85\" >3. \u7559\u610f\u4e0d\u4fdd\u4e8b\u9805<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#4_%E6%B3%A8%E6%84%8F%E4%BF%9D%E5%96%AE%E3%80%8C%E7%AD%89%E5%80%99%E6%9C%9F%E3%80%8D\" >4. \u6ce8\u610f\u4fdd\u55ae\u300c\u7b49\u5019\u671f\u300d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#5_%E5%A6%82%E5%AF%A6%E7%94%B3%E5%A0%B1%E7%97%85%E6%AD%B7\" >5. \u5982\u5be6\u7533\u5831\u75c5\u6b77<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#%E7%B4%A2%E5%84%9F%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\" >\u7d22\u511f\u6ce8\u610f\u4e8b\u9805<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#1_%E6%B3%A8%E6%84%8F%E7%B4%A2%E5%84%9F%E6%9C%9F%E9%99%90\" >1. \u6ce8\u610f\u7d22\u511f\u671f\u9650<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#2_%E5%82%99%E5%A6%A5%E7%B4%A2%E5%84%9F%E6%96%87%E4%BB%B6\" >2. \u5099\u59a5\u7d22\u511f\u6587\u4ef6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#3_%E4%BA%86%E8%A7%A3%E3%80%8C%E9%86%AB%E7%99%82%E9%9C%80%E8%A6%81%E3%80%8D\" >3. \u4e86\u89e3\u300c\u91ab\u7642\u9700\u8981\u300d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#4_%E7%94%B3%E7%B4%A2%E3%80%8C%E5%90%88%E7%90%86%E5%8F%8A%E6%85%A3%E5%B8%B8%E3%80%8D%E8%B2%BB%E7%94%A8\" >4. \u7533\u7d22\u300c\u5408\u7406\u53ca\u6163\u5e38\u300d\u8cbb\u7528<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#%E5%B8%B8%E8%A6%8B%E8%AA%A4%E8%A7%A3\" >\u5e38\u898b\u8aa4\u89e3<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#%E4%BF%9D%E9%9A%9C%E9%9C%80%E8%A6%81%E8%A9%95%E4%BC%B0\" >\u4fdd\u969c\u9700\u8981\u8a55\u4f30<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/#%E5%AF%AB%E5%9C%A8%E6%9C%80%E5%BE%8C\" >\u5beb\u5728\u6700\u5f8c<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"1\"><span class=\"ez-toc-section\" id=\"%E9%86%AB%E7%99%82%E4%BF%9D%E9%9A%AA%E7%9A%84%E4%BD%9C%E7%94%A8\"><\/span>\u91ab\u7642\u4fdd\u96aa\u7684\u4f5c\u7528<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u610f\u5916\u4e8b\u6545\u6216\u75be\u75c5\u90fd\u662f\u6211\u5011\u4e0d\u80fd\u63a7\u5236\u7684\u56e0\u7d20\uff0c\u4f8b\u5982\u6bcf\u5e74\u51fa\u73fe\u7684\u5b63\u7bc0\u6027\u6d41\u611f\u3001\u751a\u6216\u8086\u8650\u5168\u7403\u76842019\u51a0\u72c0\u75c5\u6bd2\u75c5\u7b49\uff0c\u90fd\u6703\u5c0d\u500b\u4eba\u8ca1\u653f\u53ca\u516c\u71df\u91ab\u7642\u7cfb\u7d71\u9020\u6210\u58d3\u529b\u3002\u96d6\u7136\u9999\u6e2f\u7684\u516c\u71df\u91ab\u7642\u7cfb\u7d71\u80fd\u5920\u63d0\u4f9b\u6536\u8cbb\u4f4e\u5ec9\u7684\u91ab\u7642\u670d\u52d9\uff0c\u4f46\u7531\u65bc\u4f7f\u7528\u91cf\u9577\u671f\u8d85\u51fa\u8ca0\u8377\uff0c\u90e8\u5206\u975e\u7dca\u6025\u6cbb\u7642\u8f2a\u5019\u9700\u6642\uff0c\u5c0d\u60a3\u8005\u9020\u6210\u56f0\u64fe\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91ab\u7642\u4fdd\u96aa\u662f\u4e00\u7a2e\u98a8\u96aa\u8f49\u79fb\u7684\u5de5\u5177\uff0c\u80fd\u5920\u8b93\u4fdd\u96aa\u516c\u53f8\u5206\u64d4\u53d7\u4fdd\u4eba\u7684\u91ab\u7642\u958b\u652f\uff0c\u53d7\u4fdd\u4eba\u56e0\u800c\u6709\u66f4\u591a\u85e5\u7269\u6216\u6cbb\u7642\u65b9\u6cd5\u7684\u9078\u64c7\u3002\u53e6\u4e00\u65b9\u9762\uff0c\u6709\u6548\u7684\u91ab\u7642\u4fdd\u96aa\u7cfb\u7d71\u80fd\u5c07\u90e8\u5206\u5e02\u6c11\u5c0d\u516c\u71df\u91ab\u7642\u7684\u9700\u6c42\u5206\u6d41\u81f3\u79c1\u71df\u91ab\u7642\u5e02\u5834\uff0c\u5f9e\u800c\u6e1b\u8f15\u516c\u71df\u91ab\u7642\u7cfb\u7d71\u7684\u58d3\u529b\uff0c\u5c0d\u793e\u6703\u6574\u9ad4\u800c\u8a00\uff0c\u4ea6\u6709\u52a9\u91ab\u7642\u7cfb\u7d71\u7684\u6301\u7e8c\u767c\u5c55\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"638\" data-attachment-id=\"351\" data-permalink=\"https:\/\/wealthlife.hk\/en\/%e8%aa%8d%e8%ad%98%e9%86%ab%e7%99%82%e4%bf%9d%e9%9a%aa\/%e9%a6%99%e6%b8%af%e5%8c%bb%e7%96%97%e4%bf%9d%e9%99%a9\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthlife.hk\/wp-content\/uploads\/2025\/06\/%E9%A6%99%E6%B8%AF%E5%8C%BB%E7%96%97%E4%BF%9D%E9%99%A9.jpg?fit=1380%2C860&amp;ssl=1\" data-orig-size=\"1380,860\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"\u9999\u6e2f\u533b\u7597\u4fdd\u9669\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/wealthlife.hk\/wp-content\/uploads\/2025\/06\/%E9%A6%99%E6%B8%AF%E5%8C%BB%E7%96%97%E4%BF%9D%E9%99%A9.jpg?fit=1024%2C638&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthlife.hk\/wp-content\/uploads\/2025\/06\/%E9%A6%99%E6%B8%AF%E5%8C%BB%E7%96%97%E4%BF%9D%E9%99%A9.jpg?resize=1024%2C638&#038;ssl=1\" alt=\"\" class=\"wp-image-351\" srcset=\"https:\/\/i0.wp.com\/wealthlife.hk\/wp-content\/uploads\/2025\/06\/%E9%A6%99%E6%B8%AF%E5%8C%BB%E7%96%97%E4%BF%9D%E9%99%A9.jpg?resize=1024%2C638&amp;ssl=1 1024w, https:\/\/i0.wp.com\/wealthlife.hk\/wp-content\/uploads\/2025\/06\/%E9%A6%99%E6%B8%AF%E5%8C%BB%E7%96%97%E4%BF%9D%E9%99%A9.jpg?resize=300%2C187&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthlife.hk\/wp-content\/uploads\/2025\/06\/%E9%A6%99%E6%B8%AF%E5%8C%BB%E7%96%97%E4%BF%9D%E9%99%A9.jpg?resize=768%2C479&amp;ssl=1 768w, https:\/\/i0.wp.com\/wealthlife.hk\/wp-content\/uploads\/2025\/06\/%E9%A6%99%E6%B8%AF%E5%8C%BB%E7%96%97%E4%BF%9D%E9%99%A9.jpg?w=1380&amp;ssl=1 1380w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"2\"><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E4%BF%9D%E9%9A%9C%E7%AF%84%E5%9C%8D\"><\/span>\u5e38\u898b\u4fdd\u969c\u7bc4\u570d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u91ab\u7642\u4fdd\u96aa\u4e3b\u8981\u70ba\u50b7\u75c5\u6240\u5f15\u81f4\u7684\u5408\u7406\u91ab\u7642\u958b\u652f\u63d0\u4f9b\u4fdd\u969c\u3002\u4e00\u822c\u800c\u8a00\uff0c\u662f\u4ee5\u5be6\u5831\u5be6\u92b7\u7684\u65b9\u5f0f\u5411\u53d7\u4fdd\u4eba\u4f5c\u51fa\u8ce0\u511f\uff0c\u4e26\u8a2d\u6709\u8ce0\u511f\u4e0a\u9650\u3002\u5e38\u898b\u7684\u4fdd\u969c\u7bc4\u570d\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f4f\u9662\u4fdd\u969c\uff1a\u4e3b\u8981\u6db5\u84cb\u8207\u4f4f\u9662\u76f8\u95dc\u7684\u958b\u652f\uff0c\u5305\u62ec\u75c5\u623f\u53ca\u81b3\u98df\u8cbb\u3001\u91ab\u751f\u5de1\u623f\u8cbb\u3001\u624b\u8853\u8cbb\u53ca\u4f4f\u9662\u96dc\u8cbb\u7b49\u3002\u90e8\u5206\u8a08\u5283\u6703\u9644\u52a0\u8d85\u984d\u91ab\u7642\u4fdd\u969c\uff0c\u7576\u6709\u95dc\u958b\u652f\u8d85\u51fa\u500b\u5225\u9805\u76ee\u7684\u8ce0\u511f\u4e0a\u9650\u6642\uff0c\u5dee\u984d\u53ef\u6309\u7279\u5b9a\u767e\u5206\u6bd4\u4f5c\u51fa\u8ce0\u511f\u3002<\/li>\n\n\n\n<li>\u9580\u8a3a\u4fdd\u969c\uff1a\u4e3b\u8981\u6db5\u84cb\u666e\u901a\u79d1\u91ab\u751f\u7684\u9580\u8a3a\u8a3a\u65b7\u3001\u85e5\u7269\u53ca\u5316\u9a57\u8cbb\u7528\u7b49\u3002\u6709\u4e9b\u9580\u8a3a\u4fdd\u969c\u66f4\u5305\u62ec\u4e2d\u91ab\u9580\u8a3a\u3001\u7269\u7406\u6cbb\u7642\u53ca\u8dcc\u6253\u7b49\u8cbb\u7528\uff0c\u751a\u6216\u5c08\u79d1\u91ab\u751f\u7684\u9580\u8a3a\u8a3a\u65b7\u53ca\u76f8\u95dc\u6cbb\u7642\u8cbb\u7528\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u90e8\u5206\u91ab\u4fdd\u8a08\u5283\u4ea6\u6703\u5411\u53d7\u4fdd\u4eba\u63d0\u4f9b\u300c\u4f4f\u9662\u73fe\u91d1\u300d\uff0c\u6309\u53d7\u4fdd\u4eba\u4f4f\u9662\u65e5\u6578\u63d0\u4f9b\u6bcf\u5929\u5b9a\u984d\u7684\u73fe\u91d1\u8ce0\u511f\uff0c\u4ee5\u88dc\u511f\u53d7\u4fdd\u4eba\u4f4f\u9662\u671f\u9593\u640d\u5931\u7684\u5de5\u4f5c\u6536\u5165\uff0c\u800c\u4e26\u975e\u7528\u4f5c\u8ce0\u511f\u91ab\u7642\u958b\u652f\uff0c\u53d7\u4fdd\u4eba\u53ef\u81ea\u7531\u904b\u7528\u6b64\u7b46\u8ce0\u511f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3\"><span class=\"ez-toc-section\" id=\"%E5%B8%B8%E8%A6%8B%E5%88%86%E9%A1%9E\"><\/span>\u5e38\u898b\u5206\u985e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u90e8\u5206\u50f1\u4e3b\u6703\u70ba\u50f1\u54e1\u63d0\u4f9b\u5718\u9ad4\u91ab\u7642\u4fdd\u96aa\uff0c\u4f5c\u70ba\u50f1\u54e1\u798f\u5229\u3002\u5373\u4f7f\u5df2\u7d93\u6709\u5718\u9ad4\u91ab\u7642\u4fdd\u96aa\u7684\u4fdd\u969c\uff0c\u4ea6\u61c9\u4e86\u89e3\u5718\u9ad4\u91ab\u7642\u4fdd\u96aa\u53ca\u500b\u4eba\u91ab\u7642\u4fdd\u96aa\u7684\u7279\u9ede\uff0c\u5305\u62ec\u4fdd\u969c\u7bc4\u570d\u3001\u8ce0\u511f\u984d\u3001\u81ea\u4ed8\u984d\u9078\u9805\u53ca\u4fdd\u8cbb\u6c34\u5e73\u7b49\uff0c\u4ee5\u8003\u616e\u662f\u5426\u9700\u8981\u8cfc\u8cb7\u500b\u4eba\u91ab\u7642\u4fdd\u96aa\uff0c\u4e26\u9078\u64c7\u9069\u5408\u81ea\u5df1\u4fdd\u969c\u9700\u8981\u7684\u7522\u54c1\u3002<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>&nbsp;<\/th><th>\u5718\u9ad4\u91ab\u7642\u4fdd\u96aa<\/th><th>\u500b\u4eba\u91ab\u7642\u4fdd\u96aa<\/th><\/tr><\/thead><tbody><tr><th>\u6295\u4fdd\u65b9\u5f0f<\/th><td>\u7531\u50f1\u4e3b\u70ba\u50f1\u54e1\u6295\u4fdd\uff0c\u4fdd\u969c\u7bc4\u570d\u53ca\u8ce0\u511f\u984d\u5747\u7531\u50f1\u4e3b\u548c\u4fdd\u96aa\u516c\u53f8\u5546\u8b70\u800c\u6c7a\u5b9a\uff0c\u4fdd\u8cbb\u4e00\u822c\u7531\u50f1\u4e3b\u5411\u4fdd\u96aa\u516c\u53f8\u652f\u4ed8\u3002<\/td><td>\u6295\u4fdd\u4eba\u76f4\u63a5\u5411\u4fdd\u96aa\u516c\u53f8\u6295\u4fdd\uff0c\u6309\u500b\u4eba\u9700\u8981\u53ca\u8ca1\u52d9\u8ca0\u64d4\u80fd\u529b\uff0c\u81ea\u884c\u6311\u9078\u4fdd\u969c\u7bc4\u570d\u53ca\u8ce0\u511f\u984d\u5408\u9069\u7684\u8a08\u5283\u3002<\/td><\/tr><tr><th>\u7522\u54c1\u7279\u9ede<\/th><td>\u901a\u5e38\u6703\u5c31\u6bcf\u500b\u91ab\u7642\u7d30\u9805\u8a2d\u6709\u8ce0\u511f\u4e0a\u9650\u3002\u6309\u4e0d\u540c\u8a08\u5283\u7684\u689d\u6b3e\uff0c\u8ce0\u511f\u984d\u672a\u5fc5\u8db3\u4ee5\u5168\u6578\u652f\u4ed8\u53d7\u4fdd\u50f1\u54e1\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u53d7\u4fdd\u50f1\u54e1\u6216\u9700\u81ea\u884c\u627f\u64d4\u8d85\u51fa\u8ce0\u511f\u984d\u7684\u8cbb\u7528\u3002\u7576\u50f1\u54e1\u96e2\u958b\u6240\u5c6c\u6a5f\u69cb\uff0c\u4f8b\u5982\u8f49\u5de5\u6216\u9000\u4f11\u6642\uff0c\u5176\u4fdd\u969c\u4fbf\u6703\u5373\u6642\u7d42\u6b62\u3002\u90e8\u5206\u5718\u9ad4\u91ab\u4fdd\u7522\u54c1\u5bb9\u8a31\u6295\u4fdd\u4eba\u5728\u539f\u672c\u7684\u5718\u9ad4\u91ab\u4fdd\u57fa\u790e\u4e0a\uff0c\u8cfc\u8cb7\u6709\u81ea\u4ed8\u984d\u7684\u500b\u4eba\u91ab\u4fdd\uff0c\u6295\u4fdd\u4eba\u56e0\u800c\u53ef\u4ee5\u5229\u7528\u8f03\u4f4e\u7684\u4fdd\u8cbb\uff0c\u63db\u53d6\u8f03\u5927\u7684\u4fdd\u969c\u3002<\/td><td>\u90e8\u5206\u50b3\u7d71\u7522\u54c1\u7684\u8a2d\u8a08\u985e\u4f3c\u5718\u9ad4\u91ab\u4fdd\u8a08\u5283\uff0c\u901a\u5e38\u6703\u5c31\u6bcf\u500b\u91ab\u7642\u7d30\u9805\u8a2d\u6709\u8ce0\u511f\u4e0a\u9650\u3002\u90e8\u5206\u7522\u54c1\u6703\u4ee5\u300c\u5168\u6578\u8ce0\u511f\u300d\u4f5c\u8ce3\u9ede\uff0c\u53ea\u8981\u6c92\u6709\u8d85\u51fa\u5168\u5e74\uff0f\u6bcf\u5b97\u50b7\u75c5\u7684\u8ce0\u511f\u4e0a\u9650\uff0c\u8a72\u50b7\u75c5\u6240\u7522\u751f\u7684\u4e0d\u540c\u6cbb\u7642\u9805\u76ee\u7684\u958b\u652f\uff0c\u90fd\u53ef\u7372\u5f97\u5168\u6578\u8ce0\u511f\u3002\u90e8\u5206\u300c\u9ad8\u7aef\u8a08\u5283\u300d\u7684\u7d42\u8eab\u8ce0\u511f\u984d\u6216\u6703\u9ad8\u9054\u6578\u5343\u842c\u5143\u3002\u7531\u65bc\u8ce0\u511f\u984d\u8f03\u9ad8\uff0c\u4fdd\u8cbb\u76f8\u5c0d\u9ad8\u6602\u3002\u901a\u5e38\u8a2d\u6709\u81ea\u4ed8\u984d\uff0c\u6216\u7a31\u588a\u5e95\u8cbb\uff0c\u5373\u53d7\u4fdd\u4eba\u5411\u4fdd\u96aa\u516c\u53f8\u7d22\u511f\u524d\uff0c\u9700\u8981\u5148\u884c\u652f\u4ed8\u4fdd\u55ae\u5217\u660e\u7684\u81ea\u4ed8\u984d\uff0c\u8d85\u51fa\u81ea\u4ed8\u984d\u7684\u91ab\u7642\u8cbb\u7528\u624d\u6703\u7531\u4fdd\u96aa\u516c\u53f8\u8ce0\u511f\u3002\u5047\u5982\u53d7\u4fdd\u4eba\u5df2\u6709\u5176\u4ed6\u91ab\u4fdd\u8a08\u5283\u4fdd\u969c\uff0c\u4ea6\u53ef\u5411\u8a72\u91ab\u4fdd\u8a08\u5283\u7d22\u511f\uff0c\u4ee5\u6e1b\u4f4e\u9808\u81ea\u884c\u652f\u4ed8\u7684\u91d1\u984d\u3002\u6295\u4fdd\u4eba\u53ef\u4ee5\u9078\u64c7\u81ea\u4ed8\u984d\u7684\u6c34\u5e73\uff0c\u81ea\u4ed8\u984d\u6108\u9ad8\uff0c\u4fdd\u8cbb\u4fbf\u6108\u4f4e\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u9858\u91ab\u4fdd\u8a08\u5283<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u300c\u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u300d\u662f\u91ab\u52d9\u885e\u751f\u5c40\u63a8\u51fa\u7684\u4e00\u9805\u653f\u7b56\u63aa\u65bd\uff0c\u4ee5\u898f\u7bc4\u53c3\u8207\u6b64\u8a08\u5283\u7684\u4fdd\u96aa\u516c\u53f8\u6240\u63d0\u4f9b\u7684\u6307\u5b9a\u500b\u4eba\u511f\u6b3e\u4f4f\u9662\u4fdd\u96aa\u7522\u54c1\u3002\u4fdd\u96aa\u516c\u53f8\u548c\u5e02\u6c11\u5747\u53ef\u81ea\u9858\u53c3\u8207\u3002\u5728\u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u4e0b\uff0c\u53c3\u8207\u7684\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7d93\u8a8d\u53ef\u7684\u500b\u4eba\u511f\u6b3e\u4f4f\u9662\u4fdd\u96aa\u7522\u54c1\uff08\u8a8d\u53ef\u7522\u54c1\uff09\u3002\u6240\u6709\u8a8d\u53ef\u7522\u54c1\uff0c\u5305\u62ec\u6a19\u6e96\u8a08\u5283\u53ca\u9748\u6d3b\u8a08\u5283\uff0c\u5fc5\u9808\u7b26\u5408\u6216\u9ad8\u65bc\u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u4e0b\u8981\u6c42\u7684\u6700\u4f4e\u7522\u54c1\u6a19\u6e96\uff0c\u7576\u4e2d\u5305\u62ec\u6a19\u6e96\u5316\u7684\u4fdd\u55ae\u689d\u6b3e\u53ca\u7d30\u5247\u3001\u4fdd\u8b49\u7e8c\u4fdd\u81f3100\u6b72\u4ee5\u53ca\u6307\u5b9a\u7684\u4fdd\u969c\u7bc4\u570d\u7b49\u3002\u800c\u5c31\u6b64\u985e\u7522\u54c1\u7e73\u4ed8\u7684\u5408\u8cc7\u683c\u4fdd\u8cbb\u4ea6\u53ef\u4ee5\u6839\u64da\u300a\u7a05\u52d9\u689d\u4f8b\u300b\uff08\u7b2c112\u7ae0\uff09\u7533\u8acb\u7a05\u52d9\u6263\u9664\u3002\u8a73\u60c5\u53ef\u53c3\u95b1<a href=\"https:\/\/www.vhis.gov.hk\/tc\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u300c\u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u300d\u7db2\u7ad9<\/a>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1\"><span class=\"ez-toc-section\" id=\"%E6%8A%95%E4%BF%9D%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\"><\/span>\u6295\u4fdd\u6ce8\u610f\u4e8b\u9805<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E6%8A%8A%E6%8F%A1%E6%8A%95%E4%BF%9D%E6%99%82%E6%A9%9F\"><\/span>1. \u628a\u63e1\u6295\u4fdd\u6642\u6a5f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u5e74\u9f61\u3001\u5438\u7159\u3001\u9157\u9152\u3001\u5065\u5eb7\u72c0\u6cc1\u53ca\u75c5\u6b77\u7b49\u90fd\u662f\u4fdd\u96aa\u516c\u53f8\u5be9\u6838\u91ab\u7642\u4fdd\u96aa\u7684\u91cd\u8981\u56e0\u7d20\u3002\u4e00\u822c\u800c\u8a00\uff0c\u5e74\u8f15\u3001\u5065\u5eb7\u72c0\u6cc1\u826f\u597d\u3001\u975e\u5438\u7159\u53ca\u4e0d\u9157\u9152\u7684\u6295\u4fdd\u4eba\u53ef\u4ee5\u4eab\u6709\u8f03\u4f4e\u7684\u4fdd\u8cbb\u3002\u4e00\u822c\u4fdd\u55ae\u90fd\u6709\u9650\u5236\u6295\u4fdd\u548c\u7e8c\u4fdd\u5e74\u9f61\uff0c\u5927\u90e8\u5206\u91ab\u4fdd\u7684\u6295\u4fdd\u5e74\u9f61\u4e0a\u9650\u70ba65\u6b72\uff0c\u6709\u4e9b\u4fdd\u55ae\u7684\u7e8c\u4fdd\u5e74\u9f61\u5247\u4ee575\u6b72\uff0c\u751a\u81f3100\u6b72\u70ba\u9650\u3002\u5728\u4e00\u822c\u60c5\u6cc1\u4e0b\uff0c\u6295\u4fdd\u4eba\u53ea\u8981\u572865\u6b72\u524d\u6210\u529f\u6295\u4fdd\uff0c\u4fbf\u53ef\u6bcf\u5e74\u7e8c\u4fdd\u76f4\u81f375\u6b72\u751a\u6216100\u6b72\u3002\u76f8\u53cd\uff0c\u5047\u5982\u6295\u4fdd\u4eba\u572865\u6b72\u5f8c\u624d\u521d\u6b21\u6295\u4fdd\uff0c\u53ef\u80fd\u56e0\u70ba\u5df2\u8d85\u904e\u6295\u4fdd\u5e74\u9f61\u4e0a\u9650\u800c\u672a\u80fd\u6210\u529f\u6295\u4fdd\u3002\u5047\u5982\u7576\u8eab\u9ad4\u51fa\u73fe\u6bdb\u75c5\u6642\u624d\u6295\u4fdd\uff0c\u4fdd\u96aa\u516c\u53f8\u6216\u9700\u5fb5\u6536\u9644\u52a0\u4fdd\u8cbb\u3001\u52a0\u5165\u500b\u5225\u4e0d\u4fdd\u4e8b\u9805\uff0c\u751a\u81f3\u62d2\u7d55\u627f\u4fdd\u3002\u6b64\u5916\uff0c\u6295\u4fdd\u4eba\u61c9\u7559\u610f\uff0c\u4fdd\u96aa\u516c\u53f8\u96d6\u5bb9\u8a31\u6bcf\u5e74\u7e8c\u4fdd\uff0c\u5373\u6295\u4fdd\u4eba\u7121\u9808\u6bcf\u5e74\u91cd\u65b0\u63d0\u51fa\u7533\u8acb\uff0c\u4f46\u6295\u4fdd\u4eba\u9808\u7e73\u4ed8\u7684\u4fdd\u8cbb\u4ecd\u9808\u6309\u5408\u7d04\u5c31\u76f8\u61c9\u5e74\u9f61\u4f5c\u51fa\u8abf\u6574\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%E8%80%83%E6%85%AE%E5%80%8B%E4%BA%BA%E9%9C%80%E8%A6%81\"><\/span>2. \u8003\u616e\u500b\u4eba\u9700\u8981<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u91ab\u7642\u4fdd\u96aa\u8a08\u5283\u4e94\u82b1\u516b\u9580\uff0c\u4e0d\u540c\u8a08\u5283\u7684\u4fdd\u969c\u7bc4\u570d\u3001\u8ce0\u511f\u984d\u3001\u8ce0\u511f\u6a21\u5f0f\u3001\u4fdd\u8cbb\u6c34\u5e73\u3001\u81ea\u4ed8\u984d\u9078\u9805\u7b49\uff0c\u90fd\u4e0d\u76e1\u76f8\u540c\u3002\u6295\u4fdd\u4eba\u61c9\u8003\u616e\u81ea\u5df1\u7684\u4fdd\u969c\u9700\u8981\uff0c\u4e26\u4ed4\u7d30\u7814\u7a76\u4e0d\u540c\u91ab\u4fdd\u8a08\u5283\u7684\u5167\u5bb9\u53ca\u4fdd\u969c\uff0c\u4ee5\u9078\u64c7\u5408\u9069\u7684\u8a08\u5283\u3002\u5047\u5982\u6295\u4fdd\u4eba\u5df2\u6709\u5718\u9ad4\u91ab\u4fdd\uff0c\u8cfc\u8cb7\u500b\u4eba\u91ab\u4fdd\u6642\uff0c\u4ea6\u53ef\u8003\u616e\u5982\u4f55\u5584\u7528\u5718\u9ad4\u91ab\u4fdd\u63d0\u4f9b\u7684\u57fa\u672c\u4fdd\u969c\u984d\uff0c\u914d\u5408\u6709\u81ea\u4ed8\u984d\u9078\u9805\u7684\u500b\u4eba\u91ab\u4fdd\u8a08\u5283\uff0c\u4ee5\u8f03\u4f4e\u7684\u4fdd\u8cbb\u63db\u53d6\u66f4\u5927\u7684\u4fdd\u969c\u3002\u6709\u95dc\u5718\u9ad4\u91ab\u4fdd\u53ca\u500b\u4eba\u91ab\u4fdd\u7684\u7279\u9ede\uff0c\u53ef\u53c3\u8003\u672c\u7db2\u9801\u7684<a href=\"https:\/\/www.ia.org.hk\/tc\/medical_insurance\/index.html#3\">\u300c\u5e38\u898b\u5206\u985e\u300d<\/a>\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%E7%95%99%E6%84%8F%E4%B8%8D%E4%BF%9D%E4%BA%8B%E9%A0%85\"><\/span>3. \u7559\u610f\u4e0d\u4fdd\u4e8b\u9805<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u4e00\u822c\u91ab\u4fdd\u8a08\u5283\u90fd\u6703\u5217\u660e\u4e00\u4e9b\u4e0d\u4fdd\u4e8b\u9805\uff0c\u4f8b\u5982\u9810\u9632\u6027\u6cbb\u7642\u3001\u5148\u5929\u6027\u75be\u75c5\u3001\u6295\u4fdd\u524d\u5df2\u6709\u75c5\u75c7\u7b49\uff0c\u4fdd\u96aa\u516c\u53f8\u4e0d\u6703\u5c31\u9019\u4e9b\u91ab\u7642\u72c0\u6cc1\u800c\u5f15\u8d77\u7684\u958b\u652f\u4f5c\u51fa\u8ce0\u511f\u3002\u6295\u4fdd\u4eba\u61c9\u4e86\u89e3\u4fdd\u55ae\u689d\u6b3e\u5c0d\u65bc\u4e0d\u4fdd\u4e8b\u9805\u7684\u5b9a\u7fa9\uff0c\u4f8b\u5982\u5927\u90e8\u5206\u4fdd\u55ae\u90fd\u6703\u628a\u300c\u6295\u4fdd\u524d\u5df2\u6709\u75c5\u75c7\u300d\u5b9a\u7fa9\u70ba\u53d7\u4fdd\u4eba\u65bc\u4fdd\u55ae\u751f\u6548\u524d\u5df2\u7d93\u5b58\u5728\u6216\u51fa\u73fe\u75c5\u72c0\uff0f\u75c5\u5fb5\u7684\u50b7\u60a3\u548c\u75be\u75c5\uff0c\u4e0d\u8ad6\u662f\u5148\u5929\u6216\u5f8c\u5929\u51fa\u73fe\uff0c\u53ca\u88ab\u78ba\u8a3a\u8207\u5426\uff0c\u5747\u6703\u88ab\u8996\u4f5c\u6295\u4fdd\u524d\u5df2\u6709\u75c5\u75c7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u904e\uff0c\u5728\u300c\u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u300d\u7684\u689d\u6b3e\u4e0b\uff0c\u4fdd\u969c\u5247\u64f4\u5c55\u81f3\u300c\u672a\u77e5\u7684\u5df2\u6709\u75c5\u75c7\u300d\uff0c\u5373\u53d7\u4fdd\u4eba\u5728\u6295\u4fdd\u6642\uff0c\u5df2\u5b58\u5728\u800c\u7576\u6642\u672a\u6709\u70ba\u610f\u7684\u5065\u5eb7\u72c0\u6cc1\uff08\u4f8b\u5982\u6295\u4fdd\u5f8c\u624d\u78ba\u8a3a\u7684\u5df2\u6709\u75c5\u75c7\u4e26\u63a5\u53d7\u6cbb\u7642\uff09\u3002\u6240\u6709\u8a8d\u53ef\u7522\u54c1\u6703\u7531\u4fdd\u55ae\u751f\u6548\u5f8c\u7684\u7b2c\u4e8c\u5e74\u548c\u7b2c\u4e09\u5e74\u5c31\u6295\u4fdd\u6642\u300c\u672a\u77e5\u7684\u5df2\u6709\u75c5\u75c7\u300d\u63d0\u4f9b\u90e8\u5206\u4fdd\u969c\uff0c\u5206\u5225\u70ba25%\u548c50%\u7684\u8ce0\u511f\uff0c\u800c\u5728\u7b2c\u56db\u5e74\u958b\u59cb\u63d0\u4f9b\u5168\u9762\u8ce0\u511f\uff0c\u5373100%\u7684\u8ce0\u511f\u3002\u800c\u5728\u53d7\u4fdd\u4eba\u5e74\u6eff\u516b\u6b72\u6216\u4ee5\u5f8c\u624d\u51fa\u73fe\u6216\u78ba\u8a3a\u7684\u5148\u5929\u6027\u75be\u75c5\uff0c\u4ea6\u540c\u6a23\u53d7\u5230\u4fdd\u969c\uff0c\u4f46\u8ce0\u511f\u91d1\u984d\u4ea6\u9808\u6309\u4fdd\u55ae\u5e74\u5ea6\u800c\u8abf\u6574\u3002\u8a73\u60c5\u53ef\u53c3\u95b1<a href=\"https:\/\/www.vhis.gov.hk\/tc\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u300c\u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u300d\u7db2\u7ad9<\/a>\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_%E6%B3%A8%E6%84%8F%E4%BF%9D%E5%96%AE%E3%80%8C%E7%AD%89%E5%80%99%E6%9C%9F%E3%80%8D\"><\/span>4. \u6ce8\u610f\u4fdd\u55ae\u300c\u7b49\u5019\u671f\u300d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u70ba\u6e1b\u4f4e\u6295\u4fdd\u4eba\u5e36\u75c5\u6295\u4fdd\u7684\u98a8\u96aa\uff0c\u5927\u90e8\u5206\u91ab\u7642\u4fdd\u55ae\u90fd\u6703\u8a2d\u7acb\u300c\u7b49\u5019\u671f\u300d\u689d\u6b3e\uff0c\u610f\u601d\u662f\u53d7\u4fdd\u4eba\u5728\u4fdd\u55ae\u751f\u6548\u5f8c\u7684\u6307\u5b9a\u6642\u9593\u5167\uff0c\u6240\u8a3a\u65b7\u51fa\u7684\u75be\u75c5\u6216\u51fa\u73fe\u7684\u75c5\u5fb5\u90fd\u4e0d\u6703\u7372\u5f97\u4fdd\u969c\u3002\u300c\u7b49\u5019\u671f\u300d\u7684\u9577\u77ed\u6703\u56e0\u4fdd\u55ae\u6216\u7279\u5b9a\u7684\u75be\u75c5\u53ca\u91ab\u7642\u60c5\u6cc1\u800c\u7570\uff0c\u5927\u90e8\u5206\u4fdd\u55ae\u7684\u300c\u7b49\u5019\u671f\u300d\u70ba\u4fdd\u55ae\u751f\u6548\u8d77\u8a0830\u65e5\u3002\u90e8\u5206\u4fdd\u55ae\u91dd\u5c0d\u500b\u5225\u75be\u75c5\uff0c\u4f8b\u5982\u5a66\u79d1\u75be\u75c5\u7b49\uff0c\u53ef\u80fd\u5ef6\u9577\u300c\u7b49\u5019\u671f\u300d\u81f3\u516d\u500b\u6708\u5230\u4e00\u5e74\u4e0d\u7b49\u3002\u4e0d\u904e\uff0c\u300c\u7b49\u5019\u671f\u300d\u4e00\u822c\u4e0d\u9069\u7528\u65bc\u56e0\u610f\u5916\u53d7\u50b7\u5165\u9662\u5c0e\u81f4\u7684\u7d22\u511f\uff0c\u5373\u53d7\u4fdd\u4eba\u5728\u300c\u7b49\u5019\u671f\u300d\u5167\u56e0\u610f\u5916\u5f15\u81f4\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u4ecd\u7136\u53ef\u4ee5\u7372\u5f97\u8ce0\u511f\u3002\u6b64\u5916\uff0c\u6295\u4fdd\u4eba\u6253\u7b97\u8f49\u63db\u4fdd\u55ae\u6642\uff0c\u61c9\u6ce8\u610f\u300c\u7b49\u5019\u671f\u300d\u6703\u7531\u65b0\u4fdd\u55ae\u751f\u6548\u65e5\u8d77\u91cd\u65b0\u8a08\u7b97\uff0c\u6709\u6a5f\u6703\u5f71\u97ff\u91ab\u7642\u4fdd\u969c\uff0c\u56e0\u6b64\u61c9\u5c0f\u5fc3\u8003\u616e\u624d\u6c7a\u5b9a\u662f\u5426\u9700\u8981\u53d6\u6d88\u73fe\u6709\u4fdd\u55ae\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_%E5%A6%82%E5%AF%A6%E7%94%B3%E5%A0%B1%E7%97%85%E6%AD%B7\"><\/span>5. \u5982\u5be6\u7533\u5831\u75c5\u6b77<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u4fdd\u96aa\u5408\u7d04\u662f\u5efa\u57fa\u65bc\u300c\u6700\u9ad8\u8aa0\u4fe1\u300d\u539f\u5247\uff0c\u6295\u4fdd\u4eba\u5fc5\u9808\u4e3b\u52d5\u5982\u5be6\u5730\u5411\u4fdd\u96aa\u516c\u53f8\u62ab\u9732\u6240\u6709\u91cd\u8981\u8cc7\u6599\uff0c\u5305\u62ec\u81ea\u5df1\u7684\u5065\u5eb7\u72c0\u6cc1\u53ca\u904e\u5f80\u75c5\u6b77\uff0c\u4ee5\u4fbf\u4fdd\u96aa\u516c\u53f8\u6839\u64da\u76f8\u95dc\u8cc7\u6599\u5408\u7406\u5730\u8a55\u4f30\u98a8\u96aa\u3002\u5728\u6838\u4fdd\u7684\u904e\u7a0b\u4e2d\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u56e0\u61c9\u6295\u4fdd\u4eba\u7684\u4e0d\u540c\u5065\u5eb7\u72c0\u6cc1\u800c\u6c7a\u5b9a\u6703\u5426\u5fb5\u6536\u9644\u52a0\u4fdd\u8cbb\u3001\u52a0\u5165\u500b\u5225\u4e0d\u4fdd\u9805\u76ee\u3001\u6216\u662f\u5426\u627f\u4fdd\u7b49\u3002\u5047\u5982\u6295\u4fdd\u4eba\u9055\u53cd\u300c\u6700\u9ad8\u8aa0\u4fe1\u300d\u539f\u5247\uff0c\u6295\u4fdd\u6642\u865b\u5831\u6216\u6f0f\u5831\u5065\u5eb7\u72c0\u6cc1\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u6295\u4fdd\u4eba\u6c92\u6709\u62ab\u9732\u300c\u91cd\u8981\u4e8b\u5be6\u300d\u70ba\u7406\u7531\uff0c\u62d2\u7d55\u8ce0\u511f\u3002\u4e0d\u8ad6\u67d0\u300c\u91cd\u8981\u4e8b\u5be6\u300d\u8207\u6700\u7d42\u7d22\u511f\u7684\u75c5\u75c7\u662f\u5426\u6709\u76f4\u63a5\u95dc\u4fc2\uff0c\u4fdd\u96aa\u516c\u53f8\u5982\u679c\u56e0\u70ba\u6295\u4fdd\u4eba\u6c92\u6709\u62ab\u9732\u8a72\u4e8b\u5be6\uff0c\u4ee5\u81f4\u7576\u521d\u7121\u6cd5\u4f5c\u51fa\u516c\u5e73\u548c\u6e96\u78ba\u7684\u6838\u4fdd\u6c7a\u5b9a\uff0c\u90fd\u6709\u53ef\u80fd\u62d2\u7d55\u8ce0\u511f\u3002\u70ba\u6e05\u695a\u95e1\u660e\u6295\u4fdd\u4eba\u9700\u8981\u62ab\u9732\u7684\u8cc7\u6599\uff0c\u696d\u754c\u63a8\u51fa\u4e86\u300a\u500b\u4eba\u511f\u6b3e\u4f4f\u9662\u4fdd\u96aa\u6838\u4fdd\u554f\u5377\u6a19\u6e96\u5316\u7684\u6700\u4f73\u884c\u696d\u6e96\u5247\u300b\uff0c\u9f13\u52f5\u4fdd\u96aa\u516c\u53f8\u63a1\u7528\u7d71\u4e00\u7684\u6838\u4fdd\u554f\u984c\uff0c\u8a73\u60c5\u53ef\u53c3\u8003<a href=\"https:\/\/www.hkfi.org.hk\/#!\/consumer-zone\/types-of-insurance?id=23\" target=\"_blank\" rel=\"noreferrer noopener\">\u9999\u6e2f\u4fdd\u96aa\u696d\u806f\u6703\u7db2\u7ad9<\/a>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1\"><span class=\"ez-toc-section\" id=\"%E7%B4%A2%E5%84%9F%E6%B3%A8%E6%84%8F%E4%BA%8B%E9%A0%85\"><\/span>\u7d22\u511f\u6ce8\u610f\u4e8b\u9805<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E6%B3%A8%E6%84%8F%E7%B4%A2%E5%84%9F%E6%9C%9F%E9%99%90\"><\/span>1. \u6ce8\u610f\u7d22\u511f\u671f\u9650<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u91ab\u7642\u4fdd\u96aa\u901a\u5e38\u6703\u8a02\u660e\u7d22\u511f\u671f\u9650\uff0c\u4e00\u822c\u70ba\u6c42\u91ab\uff0f\u51fa\u9662\u5f8c\u768430\u81f390\u5929\u5167\u3002\u7531\u65bc\u4fdd\u96aa\u516c\u53f8\u6709\u6b0a\u62d2\u7d55\u8655\u7406\u8d85\u904e\u7d22\u511f\u671f\u9650\u7684\u7533\u8acb\uff0c\u53d7\u4fdd\u4eba\u5fc5\u9808\u5728\u7d22\u511f\u671f\u9650\u5167\u5411\u4fdd\u96aa\u516c\u53f8\u63d0\u51fa\u7d22\u511f\u7533\u8acb\uff0c\u4e26\u905e\u4ea4\u76f8\u95dc\u8b49\u660e\u6587\u4ef6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90e8\u5206\u4fdd\u96aa\u516c\u53f8\u6703\u63d0\u4f9b\u9810\u5148\u6279\u6838\u670d\u52d9\uff0c\u7531\u4fdd\u96aa\u516c\u53f8\u76f4\u63a5\u5411\u91ab\u7642\u6a5f\u69cb\u7e73\u4ed8\u8cbb\u7528\uff0c\u53d7\u4fdd\u4eba\u6bcb\u9808\u65bc\u51fa\u9662\u6642\u7e73\u8cbb\u3002\u5982\u6b32\u7533\u8acb\u6b64\u9805\u670d\u52d9\uff0c\u53d7\u4fdd\u4eba\u9808\u65bc\u5165\u9662\u524d\u7684\u6307\u5b9a\u5de5\u4f5c\u5929\u5167\u5411\u4fdd\u96aa\u516c\u53f8\u63d0\u51fa\u7533\u8acb\uff0c\u4e26\u5e36\u540c\u7531\u8a72\u4fdd\u96aa\u516c\u53f8\u767c\u51fa\u7684\u300c\u521d\u6b65\u4fdd\u969c\u5be9\u6838\u78ba\u8a8d\uff0f\u4ed8\u6b3e\u4fdd\u8b49\u4fe1\u300d\u8fa6\u7406\u5165\u9662\u624b\u7e8c\u3002\u4e0d\u904e\uff0c\u6295\u4fdd\u4eba\u8981\u6ce8\u610f\uff0c\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u7684\u9810\u5148\u6279\u6838\u670d\u52d9\u53ca\u8ce0\u511f\u91d1\u984d\u5c6c\u8a55\u4f30\u6027\u8cea\uff0c\u8207\u6700\u7d42\u7684\u5be6\u969b\u91ab\u7642\u8cbb\u7528\u6216\u6709\u5dee\u7570\uff0c\u8ce0\u511f\u91d1\u984d\u6703\u4ee5\u6700\u7d42\u7406\u8ce0\u70ba\u6e96\u3002\u5982\u6709\u7591\u554f\uff0c\u61c9\u5411\u76f8\u95dc\u4fdd\u96aa\u516c\u53f8\u67e5\u8a62\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_%E5%82%99%E5%A6%A5%E7%B4%A2%E5%84%9F%E6%96%87%E4%BB%B6\"><\/span>2. \u5099\u59a5\u7d22\u511f\u6587\u4ef6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u7576\u7533\u7d22\u8ce0\u511f\u984d\u8f03\u4f4e\u7684\u91ab\u7642\u958b\u652f\uff0c\u4f8b\u5982\u9580\u8a3a\u6cbb\u7642\u6642\uff0c\u4e00\u822c\u53ea\u9700\u8981\u63d0\u4ea4\u7d22\u511f\u8868\u683c\u3001\u6536\u64da\u53ca\u8f49\u4ecb\u4fe1\uff08\u5982\u9069\u7528\uff09\u7684\u6b63\u672c\u3002\u90e8\u5206\u4fdd\u96aa\u516c\u53f8\u4ea6\u6703\u5bb9\u8a31\u53d7\u4fdd\u4eba\u4ee5\u96fb\u5b50\u65b9\u5f0f\u63d0\u4ea4\u7533\u8acb\u3002\u5982\u9700\u7533\u7d22\u4f4f\u9662\u7684\u91ab\u7642\u958b\u652f\uff0c\u4e00\u822c\u800c\u8a00\uff0c\u5fc5\u9808\u63d0\u4ea4\u4ee5\u4e0b\u6587\u4ef6\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7531\u4e3b\u8a3a\u91ab\u751f\u586b\u5beb\uff0c\u4e26\u9644\u6709\u91ab\u9662\u84cb\u7ae0\u7684\u4f4f\u9662\u53ca\u624b\u8853\u7d22\u511f\u8868\u683c\uff1b<\/li>\n\n\n\n<li>\u91ab\u9662\u6536\u64da\u6b63\u672c\uff1b<\/li>\n\n\n\n<li>\u91ab\u7642\u5831\u544a\uff0f\u6aa2\u9a57\u5831\u544a\u526f\u672c\uff1b<\/li>\n\n\n\n<li>\u5982\u5165\u4f4f\u516c\u7acb\u91ab\u9662\uff0c\u9808\u63d0\u4ea4\u8a73\u5217\u8a3a\u65b7\u7d50\u679c\u7684\u51fa\u9662\u7d19\u53ca\u75c5\u5047\u8b49\u660e\uff1b<\/li>\n\n\n\n<li>\u5982\u6d89\u53ca\u4ea4\u901a\u610f\u5916\uff0c\u9808\u63d0\u4ea4\u8b66\u5bdf\u5831\u544a\uff0f\u4ea4\u901a\u610f\u5916\u5831\u544a\uff0f\u53e3\u4f9b\u7d19\u526f\u672c\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u5982\u9700\u8981\u5411\u5169\u9593\u6216\u4ee5\u4e0a\u7684\u4fdd\u96aa\u516c\u53f8\u7d22\u511f\uff0c\u53d7\u4fdd\u4eba\u5165\u9662\u6642\u9808\u8acb\u4e3b\u8a3a\u91ab\u751f\u5206\u5225\u586b\u5beb\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u7684\u7d22\u511f\u8868\u683c\uff0c\u4e26\u8acb\u91ab\u9662\u5728\u4e0d\u540c\u8868\u683c\u4e0a\u84cb\u7ae0\u3002\u7576\u5411\u7b2c\u4e00\u9593\u4fdd\u96aa\u516c\u53f8\u7d22\u511f\u6642\uff0c\u4ea6\u9808\u5411\u8a72\u4fdd\u96aa\u516c\u53f8\u8981\u6c42\u53d6\u56de\u6536\u64da\u6b63\u672c\u6216\u5176\u6838\u5be6\u526f\u672c\uff0c\u624d\u53ef\u6191\u8a72\u6536\u64da\u6b63\u672c\u6216\u6838\u5be6\u526f\u672c\u5411\u53e6\u4e00\u9593\u4fdd\u96aa\u516c\u53f8\u7d22\u511f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_%E4%BA%86%E8%A7%A3%E3%80%8C%E9%86%AB%E7%99%82%E9%9C%80%E8%A6%81%E3%80%8D\"><\/span>3. \u4e86\u89e3\u300c\u91ab\u7642\u9700\u8981\u300d<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u4e0d\u5c11\u4eba\u5c0d\u4fdd\u55ae\u4e0a\u7684\u300c\u91ab\u7642\u9700\u8981\u300d\u689d\u6b3e\u5b58\u5728\u8aa4\u89e3\uff0c\u4ee5\u70ba\u53ea\u8981\u7d93\u91ab\u751f\u8f49\u4ecb\uff0c\u4fbf\u53ef\u4ee5\u5411\u4fdd\u96aa\u516c\u53f8\u7533\u7d22\u4f4f\u9662\u8ce0\u511f\u3002\u4e8b\u5be6\u4e0a\uff0c\u4fdd\u55ae\u689d\u6b3e\u4e0a\u7684\u300c\u91ab\u7642\u9700\u8981\u300d\uff0c\u4e26\u975e\u55ae\u7d14\u53d6\u6c7a\u65bc\u6709\u95dc\u4f4f\u9662\u662f\u5426\u7531\u91ab\u751f\u63a8\u85a6\u3002\u4e0d\u540c\u4fdd\u96aa\u516c\u53f8\u5c0d\u65bc\u300c\u91ab\u7642\u9700\u8981\u300d\u7684\u95e1\u91cb\u6216\u6709\u4e0d\u540c\uff0c\u4f46\u5927\u81f4\u4e0a\u90fd\u6703\u8003\u616e\u8a72\u75c5\u60c5\u662f\u5426\u5371\u6025\u3001\u4f4f\u9662\u662f\u5426\u5c6c\u7dca\u6025\u6027\u8cea\u6216\u5177\u8feb\u5207\u6027\u3001\u4f4f\u9662\u662f\u5426\u70ba\u4e86\u9032\u884c\u91ab\u7642\u4e0a\u5fc5\u9808\u7684\u6cbb\u7642\u6216\u624b\u8853\u3001\u6709\u95dc\u6cbb\u7642\u53ef\u5426\u65bc\u9580\u8a3a\u8655\u7406\u3001\u662f\u5426\u5728\u4e0d\u4f4f\u9662\u7684\u60c5\u6cc1\u4e0b\u96e3\u4ee5\u9032\u884c\u3001\u4f4f\u9662\u662f\u5426\u7d14\u7cb9\u70ba\u4e86\u6aa2\u67e5\u5fb5\u72c0\u6216\u75c5\u5fb5\u800c\u4e0d\u4f5c\u6cbb\u7642\u7b49\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u63db\u8a00\u4e4b\uff0c\u82e5\u6709\u95dc\u6cbb\u7642\u53ef\u4ee5\u5728\u9580\u8a3a\u9032\u884c\uff0c\u6216\u8005\u4f4f\u9662\u671f\u9593\u6c92\u6709\u63a5\u53d7\u4efb\u4f55\u6cbb\u7642\uff0c\u4fdd\u96aa\u516c\u53f8\u4fbf\u6709\u53ef\u80fd\u62d2\u7d55\u4f4f\u9662\u8ce0\u511f\u3002\u70ba\u514d\u5931\u53bb\u9810\u7b97\uff0c\u53d7\u4fdd\u4eba\u63a5\u53d7\u975e\u7dca\u6025\u7684\u4f4f\u9662\u670d\u52d9\u524d\uff0c\u61c9\u8a72\u5148\u5411\u4fdd\u96aa\u516c\u53f8\u4e86\u89e3\u6e05\u695a\u5176\u4fdd\u55ae\u7684\u4fdd\u969c\u7bc4\u570d\u8207\u4e0d\u4fdd\u9805\u76ee\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_%E7%94%B3%E7%B4%A2%E3%80%8C%E5%90%88%E7%90%86%E5%8F%8A%E6%85%A3%E5%B8%B8%E3%80%8D%E8%B2%BB%E7%94%A8\"><\/span>4. \u7533\u7d22\u300c\u5408\u7406\u53ca\u6163\u5e38\u300d\u8cbb\u7528<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u4e0d\u540c\u91ab\u7642\u6a5f\u69cb\u6216\u91ab\u751f\u5c31\u6cbb\u7642\u76f8\u540c\u75be\u75c5\u7684\u6536\u8cbb\uff0c\u53ef\u80fd\u6709\u660e\u986f\u5dee\u5225\u3002\u4fdd\u96aa\u516c\u53f8\u8655\u7406\u91ab\u7642\u7d22\u511f\u7533\u8acb\u6642\uff0c\u6703\u4ee5\u300c\u5408\u7406\u53ca\u6163\u5e38\u300d\u7684\u91ab\u7642\u8cbb\u7528\u4f5c\u70ba\u5be9\u6279\u539f\u5247\u3002\u4e00\u822c\u800c\u8a00\uff0c\u4fdd\u96aa\u516c\u53f8\u6703\u53c3\u8003\u5404\u79c1\u5bb6\u91ab\u9662\u3001\u91ab\u7642\u6a5f\u69cb\u3001\u91ab\u7642\u5831\u544a\u53ca\u7d22\u511f\u6578\u64da\u7b49\u8cc7\u6599\u53bb\u91d0\u5b9a\u8ce0\u511f\u984d\u3002\u63db\u8a00\u4e4b\uff0c\u5047\u5982\u7d22\u511f\u91d1\u984d\u8d85\u51fa\u300c\u5408\u7406\u53ca\u6163\u5e38\u300d\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u4fdd\u96aa\u516c\u53f8\u672a\u5fc5\u6703\u5168\u6578\u8ce0\u511f\uff0c\u53d7\u4fdd\u4eba\u4fbf\u9700\u8981\u81ea\u884c\u652f\u4ed8\u8d85\u51fa\u8ce0\u511f\u984d\u7684\u958b\u652f\u3002 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class=\"wp-block-paragraph\">\u6295\u4fdd\u4eba\u900f\u904e\u8cfc\u8cb7\u91ab\u7642\u4fdd\u96aa\u4f5c\u70ba\u4e00\u7a2e\u98a8\u96aa\u8f49\u79fb\u5de5\u5177\uff0c\u628a\u500b\u4eba\u56e0\u50b7\u75c5\u6240\u5f15\u81f4\u7684\u91ab\u7642\u958b\u652f\u98a8\u96aa\u8f49\u79fb\u5230\u4fdd\u96aa\u516c\u53f8\uff0c\u4ee5\u6e1b\u4f4e\u50b7\u60a3\u6642\u7684\u8ca1\u52d9\u8ca0\u64d4\u3002\u56e0\u6b64\uff0c\u6295\u4fdd\u7684\u8457\u773c\u9ede\u4e26\u975e\u7d22\u511f\u80fd\u5426\u9ad8\u65bc\u5df2\u7e73\u4fdd\u8cbb\uff0c\u800c\u662f\u81ea\u5df1\u80fd\u5426\u627f\u64d4\u771f\u6b63\u6709\u50b7\u60a3\u6642\u7684\u91ab\u7642\u958b\u652f\u53ca\u4fdd\u969c\u7bc4\u570d\u80fd\u5426\u7b26\u5408\u81ea\u5df1\u7684\u4fdd\u969c\u9700\u8981\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8aa4\u89e3\u4e8c<\/strong><strong>\u5df2\u6709\u5718\u9ad4\u91ab\u7642\u4fdd\u969c\uff0c\u4fbf\u7121\u9808\u53e6\u8cfc\u500b\u4eba\u91ab\u7642\u4fdd\u96aa\u3002<\/strong><\/p>\n\n\n\n<p 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