{"id":3632,"date":"2022-03-30T11:23:00","date_gmt":"2022-03-30T03:23:00","guid":{"rendered":"https:\/\/finfo.tw\/blog\/?p=3632"},"modified":"2026-02-11T14:55:17","modified_gmt":"2026-02-11T06:55:17","slug":"%e5%ad%90%e5%ae%ae%e8%82%8c%e7%98%a4%e6%89%8b%e8%a1%93%e9%86%ab%e7%99%82%e8%88%87%e4%bf%9d%e9%9a%aa%e5%95%8f%e9%a1%8c","status":"publish","type":"post","link":"https:\/\/finfo.tw\/blog\/insurance-planning\/%e5%ad%90%e5%ae%ae%e8%82%8c%e7%98%a4%e6%89%8b%e8%a1%93%e9%86%ab%e7%99%82%e8%88%87%e4%bf%9d%e9%9a%aa%e5%95%8f%e9%a1%8c","title":{"rendered":"\u5b50\u5bae\u808c\u7624\u624b\u8853\u91ab\u7642\u8207\u4fdd\u96aa\u554f\u984c"},"content":{"rendered":"\n<p>\u5b50\u5bae\u808c\u7624\u662f\u5a66\u79d1\u4e2d\u6700\u5e38\u898b\u7684\u826f\u6027\u816b\u7624\uff0c\u53ea\u8981\u816b\u7624\u72c0\u6cc1\u4e0d\u5f71\u97ff\u751f\u6d3b\u4f5c\u606f\uff0c\u901a\u5e38\u96a8\u8457\u5e74\u9f61\u589e\u52a0\uff0c\u9ad4\u5167\u6fc0\u7d20\u4e0b\u964d\uff0c\u816b\u7624\u5c31\u6703\u81ea\u884c\u6d88\u5931\u3002\u4f46\u4f60\u77e5\u9053\uff0c\u6709\u5b50\u5bae\u808c\u7624\u7684\u5973\u6027\uff0c\u505c\u7d93\u5f8c\u4ecd\u53ef\u80fd\u56e0\u5b50\u5bae\u808c\u7624\u800c\u5f71\u97ff\u8eab\u9ad4\u72c0\u6cc1\u55ce\uff1f\u82e5\u771f\u7684\u53ef\u4ee5\u653e\u7f6e\u4e0d\u7ba1\uff0c\u70ba\u4ec0\u9ebc\u9084\u662f\u6709\u91ab\u751f\u5efa\u8b70\u8981\u52d5\u624b\u8853\u5462\uff1f\u5982\u679c\u6700\u7d42\u4ecd\u8981\u6e96\u5099\u624b\u8853\uff0c\u7a81\u5982\u5176\u4f86\u7684\u91d1\u9322\u58d3\u529b\u4f60\u8981\u5982\u4f55\u8ca0\u64d4\uff1f<\/p>\n\n\n<div 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ez-toc-heading-6\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e5%ad%90%e5%ae%ae%e8%82%8c%e7%98%a4%e6%89%8b%e8%a1%93%e9%86%ab%e7%99%82%e8%88%87%e4%bf%9d%e9%9a%aa%e5%95%8f%e9%a1%8c\/#%E5%AD%90%E5%AE%AE%E8%82%8C%E7%98%A4%E6%89%8B%E8%A1%93%E7%9B%B8%E9%97%9C%E9%86%AB%E7%99%82%E4%BF%9D%E9%9A%AA_II\" >\u5b50\u5bae\u808c\u7624\u624b\u8853\u76f8\u95dc\u91ab\u7642\u4fdd\u96aa II<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e5%ad%90%e5%ae%ae%e8%82%8c%e7%98%a4%e6%89%8b%e8%a1%93%e9%86%ab%e7%99%82%e8%88%87%e4%bf%9d%e9%9a%aa%e5%95%8f%e9%a1%8c\/#%E6%97%A5%E9%A1%8D%E5%9E%8B%E9%86%AB%E7%99%82%E9%9A%AA\" >\u65e5\u984d\u578b\u91ab\u7642\u96aa<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e5%ad%90%e5%ae%ae%e8%82%8c%e7%98%a4%e6%89%8b%e8%a1%93%e9%86%ab%e7%99%82%e8%88%87%e4%bf%9d%e9%9a%aa%e5%95%8f%e9%a1%8c\/#%E5%AF%A6%E6%94%AF%E5%AF%A6%E4%BB%98%E8%88%87%E6%97%A5%E9%A1%8D%E7%9B%B8%E4%BA%92%E6%90%AD%E9%85%8D%EF%BC%8C%E6%8F%90%E9%AB%98%E4%BF%9D%E9%9A%9C%E5%8F%AF%E8%83%BD\" >\u5be6\u652f\u5be6\u4ed8\u8207\u65e5\u984d\u76f8\u4e92\u642d\u914d\uff0c\u63d0\u9ad8\u4fdd\u969c\u53ef\u80fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e5%ad%90%e5%ae%ae%e8%82%8c%e7%98%a4%e6%89%8b%e8%a1%93%e9%86%ab%e7%99%82%e8%88%87%e4%bf%9d%e9%9a%aa%e5%95%8f%e9%a1%8c\/#%E4%B8%8D%E5%BF%85%E4%BD%8F%E9%99%A2%E7%9A%84%E6%89%8B%E8%A1%93%E5%A2%9E%E5%8A%A0%EF%BC%8C%E9%9B%99%E5%AF%A6%E6%94%AF%E5%AF%A6%E4%BB%98%E6%9B%B4%E8%B2%BC%E5%90%88%E5%AF%A6%E9%9A%9B%E7%8B%80%E6%B3%81\" >\u4e0d\u5fc5\u4f4f\u9662\u7684\u624b\u8853\u589e\u52a0\uff0c\u96d9\u5be6\u652f\u5be6\u4ed8\u66f4\u8cbc\u5408\u5be6\u969b\u72c0\u6cc1<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AD%90%E5%AE%AE%E8%82%8C%E7%98%A4%E5%B8%B8%E8%A6%8B%E7%97%87%E7%8B%80\"><\/span>\u5b50\u5bae\u808c\u7624\u5e38\u898b\u75c7\u72c0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<pre class=\"wp-block-preformatted\">\u91ab\u751f\uff1a\u300c\u4f60\u9019\u88e1\u662f\u5b50\u5bae\u808c\u7624\u5594\uff0c\u800c\u4e14\u5f88\u5927\u9846\uff0c\u624d\u6703\u52d5\u4e0d\u52d5\u5c31\u5927\u6d41\u8840\u3002\u300d\n\n\u660e\u660e\u5df2\u7d93\u505c\u7d93\u4e86\uff0c\u537b\u6703\u4e0d\u5b9a\u6642\u51fa\u8840\uff1b\u5e38\u5e38\u60f3\u53bb\u5ec1\u6240\uff0c\u5be6\u969b\u4e0a\u537b\u4e0a\u4e0d\u51fa\u4f86\uff1b\u660e\u660e\u6c92\u5403\u4ec0\u9ebc\u6771\u897f\uff0c\u809a\u5b50\u537b\u8d8a\u4f86\u8d8a\u5927\uff0c\u9084\u88ab\u5c0f\u5b69\u6232\u7a31\u300c\u662f\u4e0d\u662f\u8981\u61f7\u7b2c\u4e09\u80ce\uff1f\u300d\n\u5f8c\u4f86\u53bb\u505a\u5065\u5eb7\u6aa2\u67e5\uff0c\u8d85\u97f3\u6ce2\u6383\u63cf\u6383\u904e\u4e0b\u8179\uff0c\u624d\u77e5\u9053\u539f\u4f86\u5b50\u5bae\u5167\u9577\u4e86\u597d\u5e7e\u9846\u816b\u7624\u3002\u70ba\u4e86\u4ee5\u9632\u662f\u60e1\u6027\u816b\u7624\uff0c\u53c8\u9032\u4e00\u6b65\u5728\u5a66\u7522\u79d1\u505a\u4e86\u6aa2\u67e5\uff0c\u7d50\u679c\u662f\u5b50\u5bae\u808c\u7624\u3002<\/pre>\n\n\n\n<p>\u5b50\u5bae\u808c\u7624\u662f\u5a66\u79d1\u4e2d\u6700\u5e38\u898b\u7684\u826f\u6027\u816b\u7624\uff0c\u8d85\u97f3\u6ce2\u6383\u63cf\u5247\u662f\u5b50\u5bae\u808c\u7624\u5e38\u898b\u7684\u6aa2\u6e2c\u65b9\u5f0f\u3002\u5927\u591a\u6578\u5b50\u5bae\u808c\u7624\u82e5\u672a\u6210\u9577\u6210\u4e00\u5b9a\u5927\u5c0f\u6216\u6578\u91cf\uff0c\u901a\u5e38\u4e0d\u6703\u6709\u75c7\u72c0\uff1b\u4f46\u662f\uff0c\u7576\u808c\u7624\u904e\u5927\uff0c\u6216\u662f\u808c\u7624\u4f4d\u7f6e\u7279\u6b8a\uff0c\u5c31\u6709\u53ef\u80fd\u767c\u751f\u7570\u5e38\u51fa\u8840\u3001\u4e0b\u8179\u75bc\u75db\u3001\u89e3\u5c3f\u4e0d\u9806\u3001\u8179\u90e8\u8139\u5927\u7b49\u7b49&#8230;&#8230;\u9019\u4e9b\u90fd\u662f\u5b50\u5bae\u808c\u7624\u5e38\u898b\u7684\u75c7\u72c0\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AD%90%E5%AE%AE%E8%82%8C%E7%98%A4%E7%9A%84%E6%89%8B%E8%A1%93%E6%96%B9%E5%BC%8F%E8%80%83%E9%87%8F\"><\/span>\u5b50\u5bae\u808c\u7624\u7684\u624b\u8853\u65b9\u5f0f\u8003\u91cf<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<pre class=\"wp-block-preformatted\">\u7531\u65bc\u808c\u7624\u5927\u9846\uff08\u8d85\u904e7\u516c\u5206\uff09\uff0c\u9084\u4e0d\u6b62\u4e00\u9846\uff1b\u540c\u6642\uff0c\u70ba\u4e86\u907f\u514d\u816b\u7624\u60e1\u5316\uff0c\u4e5f\u5df2\u7d93\u6c92\u6709\u8981\u751f\u5b69\u5b50\u7684\u6253\u7b97\uff0c\u6240\u4ee5\u91ab\u751f\u5efa\u8b70\u5c07\u5b50\u5bae\u6574\u500b\u6458\u6389\uff0c\u624b\u8853\u65b9\u5f0f\u6703\u662f\u76f4\u63a5\u958b\u8179\u5c07\u5b50\u5bae\u5207\u9664\u3002\n\n \u300c\u91ab\u751f\uff0c\u70ba\u4ec0\u9ebc\u4e0d\u7528\u9054\u6587\u897f\u624b\u8853\uff1f\u300d\n \u300c\u4f60\u7684\u808c\u7624\u53c8\u5927\u9846\uff0c\u6578\u91cf\u53c8\u591a\uff0c\u7528\u9054\u6587\u897f\u624b\u8853\u6703\u82b1\u592a\u591a\u6642\u9593\u3002\u300d<\/pre>\n\n\n\n<p>\u807d\u8aaa\u9054\u6587\u897f\u624b\u8853\u50b7\u53e3\u597d\u5f97\u5feb\uff1f\u4f60\u4ee5\u70ba\u60f3\u8981\u5c31\u80fd\u7528\u9054\u6587\u897f\u624b\u8853\uff1f\u5be6\u969b\u4e0a\uff0c\u9054\u6587\u897f\u624b\u8853\u53ef\u8aaa\u662f\u8179\u8154\u93e1\u624b\u8853\u7684\u9032\u968e\u7248\uff0c\u78ba\u5be6\u6709\u50b7\u53e3\u5c0f\u3001\u8853\u5f8c\u5fa9\u539f\u5feb\u7684\u512a\u9ede\uff0c\u4f46\u53ea\u80fd\u5728\u5b50\u5bae\u808c\u7624\u5c0f\u65bc 3 \u516c\u5206\uff0c\u4e14\u808c\u7624\u6578\u91cf\u53ea\u6709\u4e00\u3001\u5169\u9846\u7684\u60c5\u6cc1\u4e0b\uff0c\u624d\u53ef\u80fd\u63a8\u85a6\u4f7f\u7528\u9054\u6587\u897f\u624b\u8853\u3002<\/p>\n\n\n\n<p>\u6cc1\u4e14\uff0c\u76ee\u524d\u91dd\u5c0d\u5b50\u5bae\u808c\u7624\uff0c\u82e5\u4f7f\u7528\u9054\u6587\u897f\u624b\u8853\u5c31\u9808\u81ea\u8cbb\uff0c\u5065\u4fdd\u4e0d\u6703\u7d66\u4ed8\u9019\u9805\u624b\u8853\u4ee5\u53ca\u76f8\u95dc\u7279\u6b8a\u6750\u6599\u8cbb\u7528\uff1b\u800c\u9054\u6587\u897f\u624b\u8853\u53c8\u662f\u76f8\u5c0d\u65b0\u7a4e\u7684\u624b\u8853\uff0c\u4e0d\u8ad6\u662f\u73fe\u884c\u6d41\u901a\u7684\u4fdd\u55ae\uff0c\u6216\u662f\u904e\u53bb\u5df2\u4fdd\u7684\u820a\u4fdd\u55ae\uff0c\u82e5\u4e0d\u5c6c\u65bc\u4fdd\u55ae\u5b9a\u7fa9\u7684\u624b\u8853\uff0c\u5c31\u672a\u5fc5\u6709\u6a5f\u6703\u53ef\u4ee5\u7406\u8ce0\u3002\u7576\u5065\u4fdd\u8207\u4fdd\u96aa\u90fd\u7121\u6cd5\u8ca0\u64d4\uff0c\u52d5\u8f12\u4e8c\u3001\u4e09\u5341\u842c\u7684\u9054\u6587\u897f\u624b\u8853\u8cbb\u7528\uff0c\u5c31\u53ea\u5269\u4e0b\u81ea\u638f\u8170\u5305\u4e86\uff0c\u4f46\u63a5\u7e8c\u4e0a\u4e00\u6bb5\uff0c\u8981\u9078\u64c7\u9054\u6587\u897f\u624b\u8853\uff0c\u4e5f\u8981\u808c\u7624\u72c0\u6cc1\u7b26\u5408\u52d5\u5200\u689d\u4ef6\u624d\u884c\u3002\u6545\u9084\u662f\u8981\u7d93\u904e\u591a\u65b9\u8a55\u4f30\u518d\u4f86\u9078\u64c7\u624b\u8853\u65b9\u5f0f\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator is-style-dots\"\/>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AD%90%E5%AE%AE%E8%82%8C%E7%98%A4%E6%89%8B%E8%A1%93%E7%9B%B8%E9%97%9C%E9%86%AB%E7%99%82%E4%BF%9D%E9%9A%AA_I\"><\/span>\u5b50\u5bae\u808c\u7624\u624b\u8853\u76f8\u95dc\u91ab\u7642\u4fdd\u96aa I<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AF%A6%E6%94%AF%E5%AF%A6%E4%BB%98%E9%86%AB%E7%99%82%E9%9A%AA\"><\/span>\u5be6\u652f\u5be6\u4ed8\u91ab\u7642\u96aa<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u90a3\u9ebc\uff0c\u9664\u4e86\u9054\u6587\u897f\u4ee5\u5916\uff0c\u5982\u679c\u505a\u7684\u662f\u5176\u4ed6\u7684\u624b\u8853\uff0c\u80fd\u5426\u7528\u4fdd\u96aa\u53bb\u7406\u8ce0\u5065\u4fdd\u4e0d\u7d66\u4ed8\u7684\u90e8\u5206\u5462\uff1f\u5982\u679c\u8981\u627e\u6703\u7406\u8ce0\u75be\u75c5\u4f4f\u9662\u7684\u4fdd\u96aa\uff0c\u53ef\u4ee5\u5f9e\u91ab\u7642\u96aa\u4e2d\u7684\u5be6\u652f\u5be6\u4ed8\u578b\u91ab\u7642\u96aa\u958b\u59cb\u3002<\/p>\n\n\n\n<p>\u4ee5\u9019\u500b\u500b\u6848\u70ba\u4f8b\uff0c\u5be6\u652f\u5be6\u4ed8\u578b\u91ab\u7642\u4fdd\u96aa\uff0c\u7406\u8ad6\u4e0a\u662f\u8a2d\u5b9a\u88ab\u4fdd\u96aa\u4eba\u5728\u5065\u4fdd\u7684\u91ab\u7642\u7d66\u4ed8\u4e4b\u5f8c\uff0c\u8d85\u904e\u5065\u4fdd\u7d66\u4ed8\u7bc4\u570d\u4ecd\u9700\u8981\u984d\u5916\u652f\u51fa\u7684\u91ab\u7642\u8cbb\u7528\u3002\u53ea\u8981\u5728\u7576\u521d\u8cfc\u8cb7\u7684\u8a08\u5283\u5225\u9650\u5236\u7684\u91d1\u984d\u4ee5\u5167\uff0c\u4f4f\u9662\u671f\u9593\u6240\u7522\u751f\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u5982\u75c5\u623f\u8cbb\u3001\u624b\u8853\u8cbb\u3001\u85e5\u54c1\u8cbb\u7528\u7b49\u7b49&#8230;&#8230;\uff0c\u90fd\u53ef\u4ee5\u5728\u300c\u9650\u984d\u300d\u5167\u4f9d\u64da\u300c\u91ab\u7642\u6536\u64da\u300d\u8acb\u9818\u4fdd\u96aa\u91d1\u3002<\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a\u77e5\u9053\u5be6\u652f\u5be6\u4ed8\u8a72\u600e\u9ebc\u6311\u9078\u55ce\uff1f\u5f80\u53f3\u908a\u9ede\u5c31\u80fd<a href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e6%8e%8c%e6%8f%a14%e5%a4%a7%e9%87%8d%e9%bb%9e%ef%bc%8c%e8%b2%b7%e5%88%b0%e6%9c%80%e5%a5%bd%e7%9a%84%e5%af%a6%e6%94%af%e5%af%a6%e4%bb%98%e9%86%ab%e7%99%82%e9%9a%aa?finfo_blog=post_3632\" target=\"_blank\" rel=\"noreferrer noopener\">\u5feb\u901f\u638c\u63e1\u5be6\u652f\u5be6\u4ed8\u6311\u9078\u91cd\u9ede<\/a>\u3002<\/p>\n\n\n\n<p>\u4ee5<a href=\"https:\/\/finfo.tw\/products\/HS-%E5%AF%8C%E9%82%A6%E4%BA%BA%E5%A3%BD%E6%96%B0%E4%BD%8F%E9%99%A2%E9%86%AB%E7%99%82%E5%AE%9A%E6%9C%9F%E5%81%A5%E5%BA%B7%E4%BF%9D%E9%9A%AA%E9%99%84%E7%B4%84-2020-07-01\" target=\"_blank\" rel=\"noreferrer noopener\">\u5bcc\u90a6\u4eba\u58fd\u65b0\u4f4f\u9662\u91ab\u7642\u5b9a\u671f\u5065\u5eb7\u4fdd\u96aa\u9644\u7d04 (HS)<\/a> \u8a08\u756b\u5225 HSB6 \u70ba\u4f8b\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/finfo.tw\/blog\/wp-content\/uploads\/2021\/05\/%E5%AF%8C%E9%82%A6%E4%BA%BA%E5%A3%BD%E6%96%B0%E4%BD%8F%E9%99%A2%E9%86%AB%E7%99%82%E5%AE%9A%E6%9C%9F%E5%81%A5%E5%BA%B7%E4%BF%9D%E9%9A%AA%E9%99%84%E7%B4%84.jpg\" alt=\"\u5bcc\u90a6\u4eba\u58fd\u65b0\u4f4f\u9662\u91ab\u7642\u5b9a\u671f\u5065\u5eb7\u4fdd\u96aa\u9644\u7d04(HS)\u8a08\u756b\u5225HSB6\u5982\u4f55cover\u91ab\u7642\u652f\u51fa\"\/><\/figure>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u300c\u96dc\u8cbb\u300d\uff1a\u4f4f\u9662\u6642\uff0c\u75c5\u623f\u8cbb\u3001\u81b3\u98df\u8cbb\u3001\uff08\u7279\u5225\u8b77\u58eb\u4ee5\u5916\uff09\u8b77\u7406\u8cbb\u3001\u91ab\u5e2b\u8a3a\u7642\u8cbb\u6703\u7b97\u5728\u300c\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u300d\uff1b\u624b\u8853\u5c31\u7b97\u5728\u300c\u624b\u8853\u8cbb\u7528\u4fdd\u96aa\u91d1\u300d\uff1b\u4e0a\u9762\u5169\u8005\u4ee5\u5916\u7684\u6750\u6599\u8cbb\u7528\uff0c\u5c31\u6703\u7b97\u5728\u300c\u4f4f\u9662\u91ab\u7642\u8cbb\u7528\u4fdd\u96aa\u91d1\u300d\uff0c\u7c21\u7a31\u4e4b\u300c\u96dc\u8cbb\u300d\u3002<\/li>\n\n\n\n<li>\u53ea\u8981\u5728\u7576\u521d\u8cfc\u8cb7\u7684\u8a08\u5283\u5225\u300c\u9650\u984d\u300d\u4ee5\u4e0b\uff0c\u6240\u6709\u5fc5\u8981\u6027\u7684\u91ab\u7642\u652f\u51fa\uff0c\u90fd\u53ef\u4ee5\u85c9\u7531\u5be6\u652f\u5be6\u4ed8\u578b\u4fdd\u96aa\u4f86 cover\u3002<\/li>\n\n\n\n<li>\u82e5\u6709\u65e5\u984d\u578b\u91ab\u7642\u4fdd\u96aa\uff0c\u8a18\u5f97\u56de\u8a3a\u6642\uff0c\u8981\u5411\u91ab\u9662\u7533\u8acb\u300c\u8a3a\u65b7\u8b49\u660e\u66f8\u300d\uff1b\u53e6\u5916\uff0c\u7533\u8acb\u8b49\u660e\u66f8\u8cbb\u7528\u53ef\u4ee5\u653e\u9032\u5be6\u652f\u5be6\u4ed8\u578b\u7684\u300c\u96dc\u8cbb\u300d\u88e1\uff0c\u5c31\u4e0d\u7528\u81ea\u5df1\u4ed8\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u5230\u76ee\u524d\u70ba\u6b62\uff0c\u82e5\u8cfc\u8cb7\u7684\u662f<a href=\"https:\/\/finfo.tw\/products\/HS-%E5%AF%8C%E9%82%A6%E4%BA%BA%E5%A3%BD%E6%96%B0%E4%BD%8F%E9%99%A2%E9%86%AB%E7%99%82%E5%AE%9A%E6%9C%9F%E5%81%A5%E5%BA%B7%E4%BF%9D%E9%9A%AA%E9%99%84%E7%B4%84-2020-07-01\" target=\"_blank\" rel=\"noreferrer noopener\">\u5bcc\u90a6\u4eba\u58fd\u65b0\u4f4f\u9662\u91ab\u7642\u5b9a\u671f\u5065\u5eb7\u4fdd\u96aa\u9644\u7d04(HS)<\/a> \u8a08\u756b\u5225 HSB6\uff0c\u6240\u6709\u5fc5\u8981\u6027\u7684\u91ab\u7642\u652f\u51fa\u5c31\u80fd\u5f9e\u4fdd\u96aa\u62ff\u56de\u4f86\uff0c\u90a3\u9ebc\uff0c\u54ea\u4e00\u5bb6\u5be6\u652f\u5be6\u4ed8\u66f4\u7b26\u5408\u4f60\u7684\u9700\u6c42\uff1f\u53ef\u4ee5\u4f86\u770b\u770b <a href=\"https:\/\/finfo.tw\/compares\/%E5%AF%A6%E6%94%AF%E5%AF%A6%E4%BB%98%E9%86%AB%E7%99%82%E9%9A%AA\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u6700\u5f37\u5be6\u652f\u5be6\u4ed8\u91ab\u7642\u96aa\u6bd4\u8f03\u8868<\/a>\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E5%AD%90%E5%AE%AE%E8%82%8C%E7%98%A4%E5%8B%95%E6%89%8B%E8%A1%93%EF%BC%8C%E4%B8%8D%E5%8F%AA%E9%86%AB%E7%99%82%E6%94%AF%E5%87%BA%EF%BC%8C%E9%82%84%E6%9C%89%E5%85%B6%E4%BB%96%E7%9A%84%E8%8A%B1%E8%B2%BB\"><\/span>\u5b50\u5bae\u808c\u7624\u52d5\u624b\u8853\uff0c\u4e0d\u53ea\u91ab\u7642\u652f\u51fa\uff0c\u9084\u6709\u5176\u4ed6\u7684\u82b1\u8cbb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<pre class=\"wp-block-preformatted\">\u8eab\u9ad4\u88cf\u982d\u539f\u672c\u7684\u4e94\u81df\u516d\u8151\u4f9d\u5e8f\u6392\u5217\u800c\u4e0b\uff0c\u628a\u5b50\u5bae\u62ff\u6389\u7684\u8a71\uff0c\u4e00\u6642\u9593\u7ad9\u7acb\uff0c\u5f88\u6709\u53ef\u80fd\u8b93\u5176\u4ed6\u5668\u5b98\u6389\u5230\u539f\u672c\u5b50\u5bae\u7684\u4f4d\u7f6e\uff1b\u5982\u679c\u60f3\u8981\u8d77\u8eab\uff0c\u5c31\u5fc5\u9808\u7d81\u597d\u675f\u8179\u5e36\uff0c\u4e26\u4e14\u653e\u6162\u901f\u5ea6\uff0c\u7de9\u7de9\u8d77\u8eab\uff0c\u4ee5\u907f\u514d\u5668\u5b98\u5728\u9ad4\u5167\u5feb\u901f\u4e0b\u79fb\u3002\n\n\u56e0\u6b64\u624b\u8853\u7d50\u675f\u5f8c\uff0c\u5927\u90e8\u5206\u6642\u9593\u6703\u88ab\u8981\u6c42\u76e1\u91cf\u8eba\u8457\u3001\u4e0d\u53ef\u4ee5\u63d0\u91cd\u7269\uff0c\u5c31\u7b97\u51fa\u9662\u5f8c\u4e5f\u662f\uff1b\u53e6\u5916\uff0c\u624b\u8853\u904e\u7a0b\u4e2d\u6709\u5256\u8179\uff0c\u7e2b\u5408\u7684\u809a\u76ae\u81ea\u7136\u4e5f\u662f\u9700\u8981\u6642\u9593\u7652\u5408\u3002\u5169\u6b21\u751f\u7522\u90fd\u81ea\u7136\u7522\u7684\u5979\uff0c\u9019\u9084\u662f\u7b2c\u4e00\u6b21\u52d5\u5927\u5200\uff0c\u4e5f\u662f\u7b2c\u4e00\u6b21\u5fc5\u9808\u5411\u516c\u53f8\u8acb\u5047\u4e00\u500b\u6708\u3002<\/pre>\n\n\n\n<p>\u4f4f\u9662\u3001\u624b\u8853\u5df2\u6709\u4e00\u7b46\u984d\u5916\u652f\u51fa\uff0c\u5982\u679c\u88ab\u91ab\u751f\u5efa\u8b70\u4f11\u606f\u4e00\u500b\u6708\uff0c\u9664\u4e86\u624b\u8853\u524d\u5f8c\u4f4f\u9662\u7684\u5929\u6578(\u4f9d\u958b\u5200\u65b9\u5f0f\u53ca\u500b\u4eba\u8853\u5f8c\u72c0\u6cc1\uff0c\u4f4f\u9662\u5927\u7d04 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href=\"https:\/\/finfo.tw\/prod_cates\/%E9%86%AB%E7%99%82%E9%9A%AA\" target=\"_blank\" rel=\"noreferrer noopener\">\u5be6\u652f\u5be6\u4ed8\u91ab\u7642\u96aa\/\u65e5\u984d\u578b\u91ab\u7642\u96aa\u7e3d\u6574\u7406<\/a><\/p>\n\n\n\n<p>\u5ef6\u4f38\u95b1\u8b80\uff1a\u5be6\u652f\u5be6\u4ed8\u6709\u91d1\u984d\u4e0a\u9650\uff0c\u4e00\u5f35\u4e0d\u5920\u7528\uff0c\u80fd\u4e0d\u80fd\u6709\u7b2c\u4e8c\u5f35\uff1f\u9ede\u53f3\u908a\u770b<a href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/11%e6%9c%888%e6%97%a5%e5%be%8c%e5%af%a6%e6%94%af%e5%af%a6%e4%bb%98%e9%99%90%e8%b3%bc%e4%b8%89%e5%bc%b5%ef%bc%8c%e5%a6%82%e4%bd%95%e6%90%ad%e9%85%8d%e6%9c%80%e4%bd%b3%e4%bf%9d%e5%96%ae%ef%bc%9f?finfo_blog=post_3632\" target=\"_blank\" rel=\"noreferrer noopener\">\u5be6\u652f\u5be6\u4ed8\u9650\u8cfc\u4e09\u5f35\uff0c\u5982\u4f55\u642d\u914d\u6700\u4f73\u4fdd\u55ae\u7d44\u5408\uff1f<\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr 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