{"id":8121,"date":"2023-09-13T15:08:04","date_gmt":"2023-09-13T07:08:04","guid":{"rendered":"https:\/\/finfo.tw\/blog\/?p=8121"},"modified":"2024-01-08T02:43:23","modified_gmt":"2024-01-07T18:43:23","slug":"%e4%ba%86%e8%a7%a3%e6%af%8f%e6%97%a5%e7%97%85%e6%88%bf%e8%b2%bb%e7%94%a8%e4%bf%9d%e9%9a%aa%e9%87%91%ef%bc%9a%e4%bd%8f%e9%99%a2%e6%9c%9f%e9%96%93%e7%9a%84%e9%97%9c%e9%8d%b5%e4%bf%9d%e9%9a%9c","status":"publish","type":"post","link":"https:\/\/finfo.tw\/blog\/insurance-toolbox\/%e4%ba%86%e8%a7%a3%e6%af%8f%e6%97%a5%e7%97%85%e6%88%bf%e8%b2%bb%e7%94%a8%e4%bf%9d%e9%9a%aa%e9%87%91%ef%bc%9a%e4%bd%8f%e9%99%a2%e6%9c%9f%e9%96%93%e7%9a%84%e9%97%9c%e9%8d%b5%e4%bf%9d%e9%9a%9c","title":{"rendered":"\u4e86\u89e3\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\uff1a\u4f4f\u9662\u671f\u9593\u7684\u95dc\u9375\u4fdd\u969c"},"content":{"rendered":"\n<p>\u5728\u91ab\u7642\u5be6\u652f\u5be6\u4ed8\u4fdd\u96aa\u4e2d\uff0c\u6709\u4e00\u500b\u7279\u5225\u7684\u9805\u76ee\u53eb\u505a\u300c\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u300d\u3002\u9019\u662f\u4ec0\u9ebc\uff1f\u70ba\u4ec0\u9ebc\u6211\u5011\u9700\u8981\u984d\u5916\u7684\u4fdd\u96aa\u4f86\u652f\u4ed8\u4f4f\u9662\u671f\u9593\u7684\u75c5\u623f\u8cbb\u7528\uff1f\u5982\u679c\u4f60\u5c0d\u9019\u500b\u540d\u8a5e\u611f\u5230\u56f0\u60d1\uff0c\u4e0d\u7528\u64d4\u5fc3\uff0c\u6211\u5011\u5c07\u5728\u9019\u7bc7\u6587\u7ae0\u4e2d\u70ba\u4f60\u8a73\u7d30\u89e3\u91cb\u3002\u8b93\u6211\u5011\u4e00\u8d77\u4f86\u770b\u770b\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u662f\u4ec0\u9ebc\uff0c\u4ee5\u53ca\u70ba\u4ec0\u9ebc\u5b83\u5c0d\u4f60\u7684\u5065\u5eb7\u548c\u8ca1\u52d9\u5b89\u5168\u5982\u6b64\u91cd\u8981\u3002<\/p>\n\n\n<div 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id=\"%E4%BB%80%E9%BA%BC%E6%98%AF%E6%AF%8F%E6%97%A5%E7%97%85%E6%88%BF%E8%B2%BB%E7%94%A8%E4%BF%9D%E9%9A%AA%E9%87%91%EF%BC%9F\"><\/span>\u4ec0\u9ebc\u662f\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u662f\u4e00\u7a2e\u91ab\u7642\u96aa\u5e38\u898b\u7684\u7406\u8ce0\u9805\u76ee\uff0c\u5b83\u91dd\u5c0d\u4f4f\u9662\u671f\u9593\u7684\u75c5\u623f\u8cbb\u7528\u63d0\u4f9b\u4fdd\u969c\u3002\u7576\u4f60\u56e0\u75be\u75c5\u6216\u610f\u5916\u60c5\u6cc1\u9700\u8981\u4f4f\u9662\u6cbb\u7642\u6642\uff0c\u91ab\u7642\u8cbb\u7528\u901a\u5e38\u5305\u62ec\u75c5\u623f\u8cbb\u3001\u624b\u8853\u8cbb\u7528\u3001\u91ab\u7642\u7528\u54c1\u8cbb\u7528\u7b49\u3002\u800c<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1<\/mark><\/strong>\u5c08\u9580\u95dc\u6ce8<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u652f\u4ed8\u4f4f\u9662\u671f\u9593\u7684\u75c5\u623f\u8cbb\u7528<\/mark><\/strong>\uff0c\u78ba\u4fdd\u9019\u90e8\u5206\u7684\u8cbb\u7528\u53ef\u4ee5\u8f49\u79fb\u7d66\u4fdd\u96aa\u516c\u53f8\u627f\u64d4\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u91ab\u7642\u4fdd\u96aa\u5169\u5927\u7a2e\u985e\u5206\u5225\u662f\u91ab\u7642\u4f4f\u9662\u65e5\u984d\u548c\u91ab\u7642\u5be6\u652f\u5be6\u4ed8\uff0c\u9019\u5169\u8005\u7684\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u662f\u5169\u7a2e\u4e0d\u540c\u7684\u4fdd\u96aa\u91d1\u985e\u578b\uff0c\u5b83\u5011\u5728\u652f\u4ed8\u65b9\u5f0f\u548c\u7406\u8ce0\u898f\u5247\u4e0a\u6709\u8457\u660e\u986f\u7684\u5340\u5225\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u9996\u5148\uff0c<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u91ab\u7642\u4f4f\u9662\u65e5\u984d<\/mark><\/strong>\u7684\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u662f\u6309\u7167\u4e8b\u5148\u7d04\u5b9a\u7684<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u6bcf\u65e5\u56fa\u5b9a\u91d1\u984d<\/mark><\/strong>\u652f\u4ed8\u7d66\u88ab\u4fdd\u4eba\u7684\uff0c\u7121\u8ad6\u5be6\u969b\u4f4f\u9662\u8cbb\u7528\u591a\u5c11\uff0c\u4fdd\u96aa\u516c\u53f8\u90fd\u6703\u6309\u7167\u7d04\u5b9a\u7684\u91d1\u984d\u652f\u4ed8\u3002\u9019\u7a2e\u4fdd\u96aa\u91d1\u901a\u5e38\u6bd4\u8f03\u5bb9\u6613\u7406\u89e3\u548c\u898f\u5283\uff0c\u56e0\u70ba\u88ab\u4fdd\u4eba\u77e5\u9053\u6bcf\u5929\u53ef\u4ee5\u9810\u671f\u6536\u5230\u591a\u5c11\u91d1\u9322\u3002\u76f8\u5c0d\u5730\uff0c<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u91ab\u7642\u5be6\u652f\u5be6\u4ed8<\/mark><\/strong>\u7684\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u5247\u662f<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u6839\u64da\u5be6\u969b\u767c\u751f\u7684\u4f4f\u9662\u8cbb\u7528<\/mark><\/strong>\u9032\u884c\u652f\u4ed8\u3002\u9019\u610f\u5473\u8457\u4fdd\u96aa\u516c\u53f8\u4e0d\u662f\u6839\u64da\u56fa\u5b9a\u6578\u984d\u4f86\u8a08\u7b97\u652f\u4ed8\u91d1\u984d\u3002\u9019\u6a23\u7684\u4fdd\u96aa\u91d1\u652f\u4ed8\u65b9\u5f0f\u901a\u5e38\u66f4\u5177\u9748\u6d3b\u6027\uff0c\u53ef\u4ee5\u56e0\u61c9\u4e0d\u540c\u7684\u60c5\u6cc1\u800c\u6709\u6240\u8abf\u6574\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u9019\u7bc7\u63a5\u4e0b\u4f86\u6240\u63d0\u53ca\u7684\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\uff0c\u5c07\u6703\u662f\u91dd\u5c0d<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u91ab\u7642\u5be6\u652f\u5be6\u4ed8<\/mark><\/strong>\u4fdd\u96aa\u6240\u505a\u7684\u89e3\u8aaa\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ud83d\udc49 \u66f4\u591a\u91ab\u7642\u4fdd\u96aa\u77e5\u8b58\u8acb\u770b <a href=\"https:\/\/finfo.tw\/blog\/insurance-planning\/%e9%86%ab%e7%99%82%e9%9a%aa%e8%a6%8f%e5%8a%83%ef%bc%8c%e6%9c%80%e5%bc%b7%e5%af%a6%e6%94%af%e5%af%a6%e4%bb%98%e7%b8%bd%e6%95%b4%e7%90%86?finfo_blog=post_8121\" target=\"_blank\" rel=\"noreferrer noopener\">2026 \u91ab\u7642\u96aa\u898f\u5283\uff0c\u6700\u5f37\u5be6\u652f\u5be6\u4ed8\u63a8\u85a6\u7e3d\u6574\u7406<\/a><\/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=\"%E4%BD%8F%E9%99%A2%E9%86%AB%E7%99%82%E4%BF%9D%E9%9A%AA%E9%87%91_vs_%E6%AF%8F%E6%97%A5%E7%97%85%E6%88%BF%E8%B2%BB%E7%94%A8%E4%BF%9D%E9%9A%AA%E9%87%91\"><\/span>\u4f4f\u9662\u91ab\u7642\u4fdd\u96aa\u91d1 vs. \u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u5982\u679c\u4f60\u5df2\u7d93\u77e5\u9053\u95dc\u65bc\u91ab\u7642\u5be6\u652f\u5be6\u4ed8\u7684\u7406\u8ce0\u9805\u76ee\uff0c\u6216\u8a31\u4f60\u6703\u554f\uff0c\u91ab\u7642\u5be6\u652f\u5be6\u4ed8\u4fdd\u96aa\u672c\u8eab\u4e0d\u5df2\u7d93\u5305\u542b\u300c\u4f4f\u9662\u300d\u91ab\u7642\u8cbb\u7528\u4fdd\u96aa\u91d1\u55ce\uff1f\u70ba\u4ec0\u9ebc\u9084\u9700\u8981\u984d\u5916\u7684\u300c\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u300d\u4fdd\u96aa\u91d1\uff1f\u9019\u662f\u4e00\u500b\u91cd\u8981\u7684\u554f\u984c\uff0c\u8b93\u6211\u5011\u4f86\u91d0\u6e05\u5176\u4e2d\u7684\u5340\u5225\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\ud83d\udc49 \u6bd4\u8d77\u624b\u8853\u8cbb\u3001\u75c5\u623f\u8cbb\uff0c\u300c\u96dc\u8cbb\u300d\u624d\u662f\u771f\u6b63\u9f90\u5927\u7684\u82b1\u8cbb\uff01\u4f86\u770b<a href=\"https:\/\/finfo.tw\/blog\/insurance-toolbox\/%e4%bd%8f%e9%99%a2%e9%86%ab%e7%99%82%e8%b2%bb%e7%94%a8%e4%bf%9d%e9%9a%aa%e9%87%91%ef%bc%9a%e4%b8%8d%e8%ae%93%e9%86%ab%e7%99%82%e9%96%8b%e6%94%af%e6%88%90%e7%82%ba%e7%85%a9%e6%83%b1?finfo_blog=post_8121\" target=\"_blank\" rel=\"noreferrer noopener\">\u4f4f\u9662\u91ab\u7642\u8cbb\u7528\u4fdd\u96aa\u91d1<\/a>\u80fd\u5920\u5e6b\u5230\u6211\u5011\u4ec0\u9ebc\u4e8b\uff1f<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u525b\u525b\u63d0\u5230\u91ab\u7642\u8cbb\u7528\u5305\u62ec\u75c5\u623f\u8cbb\u3001\u624b\u8853\u8cbb\u7528\u3001\u91ab\u7642\u7528\u54c1\u8cbb\u7528\uff0c\u4e00\u822c\u7684\u4f4f\u9662\u91ab\u7642\u4fdd\u96aa\u91d1\u5305\u542b\u7684\u662f<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color 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id=\"%E7%82%BA%E4%BB%80%E9%BA%BC%E5%8D%B3%E4%BD%BF%E6%9C%89%E5%81%A5%E4%BF%9D%E7%97%85%E6%88%BF%EF%BC%8C%E4%BD%A0%E4%BB%8D%E9%9C%80%E8%A6%81%E6%AF%8F%E6%97%A5%E7%97%85%E6%88%BF%E8%B2%BB%E7%94%A8%E4%BF%9D%E9%9A%AA%E9%87%91%EF%BC%9F\"><\/span>\u70ba\u4ec0\u9ebc\u5373\u4f7f\u6709\u5065\u4fdd\u75c5\u623f\uff0c\u4f60\u4ecd\u9700\u8981\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u4f60\u53ef\u80fd\u6703\u8a8d\u70ba\uff0c\u5982\u679c\u4f60\u5df2\u7d93\u6709\u5168\u6c11\u5065\u5eb7\u4fdd\u96aa\u6216\u5176\u4ed6\u91ab\u7642\u4fdd\u96aa\uff0c\u5c31\u4e0d\u9700\u8981\u64d4\u5fc3\u4f4f\u9662\u671f\u9593\u7684\u75c5\u623f\u8cbb\u7528\u4e86\u3002\u7136\u800c\uff0c\u9019\u4e26\u4e0d\u5b8c\u5168\u6b63\u78ba\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u96d6\u7136\u5065\u4fdd\u6db5\u84cb\u4e86\u8a31\u591a\u91ab\u7642\u8cbb\u7528\uff0c\u5305\u62ec\u4e00\u822c\u75c5\u623f\u8cbb\u7528\uff0c\u4f46\u5b83\u4ecd\u7136\u6709\u4e00\u4e9b\u9650\u5236\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u91dd\u5c0d\u75c5\u623f\u90e8\u5206\uff0c<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u5065\u4fdd\u53ea\u652f\u4ed8\u5065\u4fdd\u75c5\u623f<\/mark><\/strong>\uff0c\u800c\u4e00\u822c\u5927\u91ab\u9662\u7684\u5065\u4fdd\u75c5\u623f\u662f 4 \u5230 6 \u500b\u4eba\u4e00\u623f\uff0c\u5982\u679c\u4f60\u9078\u64c7\u5347\u7d1a\u70ba\u5176\u4ed6\u75c5\u623f\uff0c\u5982\u96d9\u4eba\u75c5\u623f\u6216\u662f\u66f4\u70ba\u6602\u8cb4\u7684\u55ae\u4eba\u75c5\u623f\uff0c\u984d\u5916\u7684\u8cbb\u7528\u53ef\u80fd\u4e0d\u5728\u5065\u4fdd\u7684\u6db5\u84cb\u7bc4\u570d\u5167\uff0c<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">\u5347\u7d1a\u75c5\u623f\u7684\u5404\u4f4d\u5c31\u9700\u8981\u81ea\u4ed8\u5dee\u984d\u624d\u80fd\u4f7f\u7528\u75c5\u623f<\/mark><\/strong>\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5373\u4f7f\u4f60\u6709\u5065\u4fdd\uff0c\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u4ecd\u7136\u662f\u4e00\u9805\u503c\u5f97\u8003\u616e\u7684\u984d\u5916\u4fdd\u969c\u3002\u5b83\u53ef\u4ee5\u586b\u88dc\u5065\u4fdd\u7684\u4e0d\u8db3\uff0c\u78ba\u4fdd\u4f60\u5728\u4f4f\u9662\u671f\u9593\u7121\u9700\u70ba\u75c5\u623f\u8cbb\u7528\u64d4\u6182\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=\"%E4%BF%9D%E9%9A%AA%E9%87%91%E6%9C%89%E9%99%90%E9%A1%8D%EF%BC%9F%E4%BA%86%E8%A7%A3%E6%AF%8F%E6%97%A5%E7%97%85%E6%88%BF%E8%B2%BB%E7%94%A8%E4%BF%9D%E9%9A%AA%E9%87%91%E7%9A%84%E9%99%90%E5%88%B6\"><\/span>\u4fdd\u96aa\u91d1\u6709\u9650\u984d\uff1f\u4e86\u89e3\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u7684\u9650\u5236<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u96d6\u7136\u63d0\u4f9b\u4e86\u91cd\u8981\u7684\u4fdd\u969c\uff0c\u4f46\u4e5f\u6709\u4e00\u4e9b\u9650\u5236\u3002\u9019\u5305\u62ec\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u7684\u652f\u4ed8\u4e0a\u9650\u3002\u9019\u610f\u5473\u8457<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color 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class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>\u9019\u662f\u70ba\u4e86\u78ba\u4fdd\u4fdd\u96aa\u516c\u53f8\u4e0d\u6703\u652f\u4ed8\u904e\u591a\u7684\u91d1\u984d\uff0c\u540c\u6642\u9f13\u52f5\u4eba\u5011\u8b39\u614e\u9078\u64c7\u75c5\u623f\uff0c\u4ee5\u63a7\u5236\u91ab\u7642\u8cbb\u7528\u3002\u56e0\u6b64\uff0c\u5728\u8cfc\u8cb7\u6bcf\u65e5\u75c5\u623f\u8cbb\u7528\u4fdd\u96aa\u91d1\u6642\uff0c\u8981\u4ed4\u7d30\u95b1\u8b80\u689d\u6b3e\uff0c\u4e86\u89e3\u652f\u4ed8\u4e0a\u9650\uff0c\u4e26\u6839\u64da\u81ea\u5df1\u7684\u9700\u6c42\u9078\u64c7\u9069\u5408\u7684\u4fdd\u969c\u984d\u5ea6\u3002<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" 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