{"id":8269,"date":"2026-03-09T00:29:42","date_gmt":"2026-03-08T16:29:42","guid":{"rendered":"https:\/\/www.syfe.com\/hk\/magazine\/?p=8269"},"modified":"2026-03-04T17:55:27","modified_gmt":"2026-03-04T09:55:27","slug":"%e5%a2%8a%e5%ba%95-%e8%b2%bb-%e6%84%8f%e6%80%9d","status":"publish","type":"post","link":"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e5%a2%8a%e5%ba%95-%e8%b2%bb-%e6%84%8f%e6%80%9d\/","title":{"rendered":"\u7406\u8ca1\u77e5\u8b58-\u91d1\u878d\u8a5e\u5f59\u610f\u601d\uff5c\u62c6\u89e3\u91ab\u7642\u4fdd\u96aa\u300c\u588a\u5e95\u8cbb\u300d\u6a5f\u5236 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class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u588a\u5e95\u8cbb\u7684\u904b\u4f5c\u6a21\u5f0f\" class=\"uagb-toc-link__trigger\">\u588a\u5e95\u8cbb\u7684\u904b\u4f5c\u6a21\u5f0f<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u6a21\u64ec\u588a\u5e95\u8cbb\u4f8b\u5b50\" class=\"uagb-toc-link__trigger\">\u6a21\u64ec\u588a\u5e95\u8cbb\u4f8b\u5b50<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"uagb-toc__list\"><a href=\"#\u5982\u4f55\u5584\u7528\u588a\u5e95\u8cbb\u914d\u5408\u516c\u53f8\u91ab\u4fdd\" class=\"uagb-toc-link__trigger\">\u5982\u4f55\u5584\u7528\u588a\u5e95\u8cbb\u914d\u5408\u516c\u53f8\u91ab\u4fdd\uff1f<\/a><ul class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#\u9078\u64c7\u588a\u5e95\u8cbb\u7684\u6ce8\u610f\u4e8b\u9805\" class=\"uagb-toc-link__trigger\">\u9078\u64c7\u588a\u5e95\u8cbb\u7684\u6ce8\u610f\u4e8b\u9805<\/a><\/ul><\/ul><\/ul><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<h2 class=\"wp-block-heading\">\u588a\u5e95\u8cbb\u7684\u57fa\u672c\u5b9a\u7fa9<\/h2>\n\n\n\n<p>\u300c\u588a\u5e95\u8cbb\u300d\u5176\u5be6\u662f\u5f9e\u65e5\u5e38\u5ee3\u6771\u8a71\u6bd4\u55bb\u6f14\u8b8a\u51fa\u4f86\u7684\u4fd7\u7a31\uff0c\u4e3b\u8981\u5c6c\u672c\u5730\u5ee3\u6771\u8a71\u4fd7\u7a31\uff0c\u5728\u76e3\u7ba1\u53ca\u5408\u7d04\u5c64\u9762\u4e00\u822c\u4ee5\u300c\u81ea\u4ed8\u8cbb\uff0f\u81ea\u4ed8\u984d\uff0f\u81ea\u8ca0\u984d\u300d\u914d\u5408\u82f1\u6587 deductible \u6216 excess 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href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e9%a6%99%e6%b8%af-%e5%85%ac%e6%ad%a3%e8%a1%8c-%e6%98%af%e4%bb%80%e9%ba%bc-%e4%bd%9c%e7%94%a8\/\">\u516c\u6b63\u884c<\/a>\uff5c<a href=\"https:\/\/www.syfe.com\/hk\/magazine\/zh-hant\/%e8%b2%b7%e5%84%b2%e8%93%84%e5%9e%8b%e4%bf%9d%e9%9a%aa%e5%ae%9a%e7%b4%94%e4%bf%9d%e9%9a%9c%e4%bf%9d%e9%9a%aa%e5%a5%bd%ef%bc%9f%e5%b0%88%e5%ae%b6%e7%94%a8-3-%e6%a2%9d%e5%95%8f%e9%a1%8c%e5%8a%a9\/\">\u8cb7\u300c\u5132\u84c4\u578b\u4fdd\u96aa\u300d\u5b9a\u7d14\u4fdd\u969c\u4fdd\u96aa\u597d\uff1f3 \u689d\u554f\u984c\u52a9\u4f60\u8a8d\u6e05\u7406\u8ca1\u6295\u8cc7\u914d\u7f6e\u6982\u5ff5\uff01<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u588a\u5e95\u8cbb\u7684\u904b\u4f5c\u6a21\u5f0f<\/h3>\n\n\n\n<p>\u5728\u9999\u6e2f\uff0c\u81ea\u4ed8\u984d\uff0f\u588a\u5e95\u5b89\u6392\u5e38\u898b\u65bc\u81ea\u9858\u91ab\u4fdd\uff08VHIS\uff09\u8a8d\u53ef\u8a08\u5283\u4e2d\u7684\u67d0\u4e9b\u9ad8\u81ea\u4ed8\u9078\u9805\u3001\u9ad8\u7aef\u91ab\u7642\u4fdd\u96aa\u3001\u4f01\u696d\u91ab\u7642\u4fdd\u96aa\uff0c\u4ee5\u53ca\u90e8\u5206\u4f4f\u9662\u53ca\u624b\u8853\u4fdd\u969c\u7522\u54c1\uff1b\u662f\u5426\u8a2d\u6709\u588a\u5e95\u53ca\u5176\u91d1\u984d\uff0c\u9808\u8996\u4e4e\u500b\u5225\u8a08\u5283\u8a2d\u8a08\u3002<\/p>\n\n\n\n<p>\u6b63\u5e38\u60c5\u6cc1\u4e0b\uff0c\u588a\u5e95\u8cbb\u91d1\u984d\u8207\u4fdd\u8cbb\u5448\u53cd\u5411\u95dc\u4fc2\uff1a\u5373\u588a\u5e95\u8cbb\u6108\u9ad8\uff0c\u76f8\u61c9\u7684\u91ab\u7642\u4fdd\u96aa\u4fdd\u8cbb\u5247\u6108\u4f4e\uff0c\u539f\u56e0\u662f\u53d7\u4fdd\u4eba\u9858\u610f\u627f\u64d4\u8f03\u5927\u90e8\u5206\u7684\u91ab\u7642\u652f\u51fa\uff0c\u4fdd\u96aa\u516c\u53f8\u9700\u8981\u8ce0\u511f\u7684\u98a8\u96aa\u76f8\u61c9\u6e1b\u5c11\u3002\u76f8\u53cd\uff0c\u5982\u679c\u9078\u64c7\u300c\u96f6\u588a\u5e95\u8cbb\u300d\u6216\u5f88\u4f4e\u7684\u588a\u5e95\u8cbb\uff0c\u4fdd\u96aa\u516c\u53f8\u5e7e\u4e4e\u7531\u96f6\u958b\u59cb\u8ce0\uff0c\u4fdd\u8cbb\u81ea\u7136\u6703\u8f03\u9ad8\uff0c\u4f46\u6295\u4fdd\u4eba\u6bcf\u6b21\u7d22\u511f\u6642\u81ea\u4ed8\u91d1\u984d\u6703\u8f03\u5c11\u3002<\/p>\n\n\n\n<p>\u5c0d\u65bc\u4fdd\u96aa\u516c\u53f8\u800c\u8a00\uff0c\u588a\u5e95\u8cbb\u53ef\u9632\u6b62\u300c\u6feb\u7528\u4fdd\u96aa\u300d\uff0c\u70ba\u4e86\u5c0f\u75c5\u5c0f\u75db\u3001\u91d1\u984d\u5f88\u5c11\u7684\u91ab\u7642\u8cbb\u7528\u4e5f\u4e0d\u65b7\u7d22\u511f\uff0c\u63a8\u9ad8\u6574\u9ad4\u4fdd\u8cbb\u6210\u672c\u3002\u53e6\u4e00\u65b9\u9762\uff0c\u900f\u904e\u8b93\u5ba2\u6236\u81ea\u5df1\u627f\u64d4\u300c\u524d\u6bb5\u300d\u8cbb\u7528\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u96c6\u4e2d\u8cc7\u6e90\u627f\u64d4\u8f03\u5927\u984d\u3001\u8f03\u56b4\u91cd\u7684\u91ab\u7642\u98a8\u96aa\u3002<\/p>\n\n\n\n<p>\u81ea\u4ed8\u984d\uff0f\u588a\u5e95\u53ef\u4ee5\u6309\u5e74\u3001\u6309\u75c5\u75c7\u6216\u6309\u6bcf\u6b21\u4f4f\u9662\u8a08\u7b97\uff0c\u8996\u4e4e\u4fdd\u55ae\u8a2d\u8a08\u800c\u5b9a\uff1b\u4f8b\u5982\u90e8\u5206 VHIS \u6216\u9ad8\u7aef\u91ab\u7642\u8a08\u5283\u63a1\u7528\u300c\u6309\u4fdd\u55ae\u5e74\u5ea6\u7d2f\u8a08\u4e00\u6b21\u7684\u5e74\u5ea6\u588a\u5e95\u984d\u300d\uff0c\u7576\u8a72\u5e74\u5ea6\u7d2f\u8a08\u5408\u8cc7\u683c\u8cbb\u7528\u8d85\u904e\u81ea\u4ed8\u984d\u5f8c\uff0c\u540c\u5e74\u5176\u9918\u5408\u8cc7\u683c\u8cbb\u7528\u4fbf\u7121\u9700\u518d\u6263\u6e1b\u588a\u5e95\uff1b\u4ea6\u6709\u90e8\u5206\u7522\u54c1\u4ee5\u300c\u6bcf\u6b21\u53d7\u4fdd\u4e8b\u6545\uff0f\u6bcf\u6b21\u4f4f\u9662\u300d\u70ba\u57fa\u790e\u8a08\u7b97\u81ea\u4ed8\u984d\uff0c\u6295\u4fdd\u4eba\u6bcf\u6b21\u7d22\u511f\u5747\u9808\u5148\u627f\u64d4\u6307\u5b9a\u91d1\u984d\uff0c\u56e0\u6b64\u5fc5\u9808\u4ed4\u7d30\u95b1\u8b80\u500b\u5225\u7522\u54c1\u689d\u6b3e\u3002<\/p>\n\n\n\n<p>\u66f4\u591a\u4fdd\u96aa\u76f8\u95dc\u6587\u7ae0\uff1a<a 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