{"id":116,"date":"2022-08-08T01:20:00","date_gmt":"2022-08-08T01:20:00","guid":{"rendered":"https:\/\/wells-ins.com\/?p=116"},"modified":"2022-08-10T07:17:22","modified_gmt":"2022-08-10T07:17:22","slug":"hongkong-insurance-how-to-read-proposal","status":"publish","type":"post","link":"https:\/\/wells-ins.com\/zh\/application-tips\/hongkong-insurance-how-to-read-proposal\/","title":{"rendered":"\u6570\u5b57\u3068\u82f1\u5358\u8a9e\u3060\u3089\u3051\u306e\u63d0\u6848\u66f8\u3002\u30dd\u30a4\u30f3\u30c8\u3092\u62bc\u3055\u3048\u3088\u3046\uff01"},"content":{"rendered":"\n

\u3053\u3093\u306b\u3061\u306f\u3001Wells Insurance Hong Kong<\/span><\/strong>\u3067\u3059\u3002<\/p>\n\n\n\n

<\/p>\n\n\n\n

(*)\u4ee5\u4e0b\u306e\u5185\u5bb9\u306f\u3001\u7279\u5b9a\u5546\u54c1\u306e\u8ca9\u58f2\u3084\u3001\u8cfc\u5165\u3078\u306e\u52e7\u8a98\u3092\u610f\u56f3\u3057\u305f\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u65e5\u672c\u975e\u5c45\u4f4f\u8005\u306b\u5bfe\u3057\u3001\u56fd\u5916\u306b\u304a\u3051\u308b\u8cc7\u7523\u904b\u7528\u306e\u4e00\u822c\u7684\u306a\u60c5\u5831\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u306e\u307f\u3092\u76ee\u7684\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/em><\/p>\n\n\n\n

<\/p>\n\n\n\n

\u4fdd\u967a\u306e\u52a0\u5165\u3092\u691c\u8a0e\u3059\u308b\u4eba\u306b\u3068\u3063\u3066\u6700\u3082\u91cd\u8981\u306a\u53c2\u8003\u8cc7\u6599\u3068\u8a00\u3063\u3066\u3082\u904e\u8a00\u3067\u306f\u306a\u3044\u306e\u304c\u63d0\u6848\u66f8(Proposal)<\/span><\/strong>\u3002\u5e0c\u671b\u3059\u308b\u4fdd\u967a\u6599\u3084\u6255\u8fbc\u671f\u9593\u7b49\u3092\u6559\u3048\u3066\u3082\u3089\u3048\u308c\u3070\u3001\u305d\u306e\u5185\u5bb9\u306b\u5f93\u3063\u305f\u904b\u7528\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u304c\u4f5c\u6210\u3055\u308c\u3001\u82f1\u8a9e\u304c\u4e0d\u5f97\u624b\u306a\u4eba\u3067\u3042\u3063\u3066\u3082\u6570\u5b57\u3092\u898b\u308c\u3070\u4f55\u3068\u306a\u304f\u300c\u73fe\u884c\u5229\u56de\u308a\u306f4.5%\u306a\u3093\u3060(*)<\/strong>\u300d\u3068\u304b\u3001\u300c10\u5e74\u5f8c\u306b\u7d042\u500d\u306b\u306a\u308b\u3093\u3060\uff5e(*)<\/strong>\u300d\u300c20\u5e74\u5f8c\u306b\u7d043.5\u500d\u306b\u306a\u308b\u3093\u3060\uff5e(*)<\/strong>\u300d\u3068\u304b\u4f4d\u306f\u5206\u304b\u308b\u3068\u601d\u3046\u306e\u3067\u3059\u304c\u3001\u6570\u5b57\u4ee5\u5916\u306b\u3064\u3044\u3066\u8a00\u3048\u3070\u898b\u6163\u308c\u306a\u3044\u7528\u8a9e\u3001\u3057\u304b\u3082\u82f1\u5358\u8a9e\u306e\u30aa\u30f3\u30d1\u30ec\u30fc\u30c9\u3067\u5927\u62b5\u306e\u65b9\u304c\u6238\u60d1\u3046\u3082\u306e\u3002<\/p>\n\n\n\n

\u305d\u3053\u3067\u4eca\u56de\u306f\u4e3b\u8981\u306a\u7528\u8a9e\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002\u662f\u975e\u53c2\u8003\u3068\u306a\u308c\u3070\u3002<\/p>\n\n\n\n\n\n\n\n

\u63d0\u6848\u66f8\u4e0a\u8868\u8a18<\/th>\u89e3\u8aac<\/th><\/tr><\/thead>
Policy Owner\/Policy Holder<\/td>\u540d\u7fa9\u4eba(\u89e3\u7d04\u8fd4\u623b\u91d1\u3084\u5e74\u91d1\u306e\u53d7\u53d6\u4eba)<\/td><\/tr>
Life Insured\/Life Assured<\/td>\u88ab\u4fdd\u967a\u8005(\u6b7b\u4ea1\u3059\u308b\u3068\u6b7b\u4ea1\u4fdd\u967a\u91d1\u304c\u652f\u6255\u308f\u308c\u307e\u3059)<\/td><\/tr>
Beneficiary(ies)<\/td>\u53d7\u76ca\u8005(\u6b7b\u4ea1\u4fdd\u967a\u91d1\u306e\u53d7\u53d6\u4eba)<\/td><\/tr>
Premium<\/td>\u4fdd\u967a\u6599<\/td><\/tr>
Policy Currency<\/td>\u5951\u7d04\u901a\u8ca8(\u901a\u5e38\u5909\u66f4\u4e0d\u53ef)<\/td><\/tr>
Payment Term<\/td>\u6255\u8fbc\u671f\u9593<\/td><\/tr>
Lump Sum\/Single Premium<\/td>\u4e00\u62ec\u6255\u3044<\/td><\/tr>
Total Premiums Paid<\/td>\u6255\u3044\u6e08\u307f\u4fdd\u967a\u6599<\/td><\/tr>
Premium Discount<\/td>\u4fdd\u967a\u6599\u5272\u5f15<\/td><\/tr>
Deposit Amount<\/td>\u524d\u7d0d\u91d1\u984d<\/td><\/tr>
Basic Sum Insured<\/td>\u4fdd\u8a3c\u91d1\u984d(\u5951\u7d04\u304c\u6709\u52b9\u3068\u306a\u3063\u305f\u6642\u70b9\u306b\u304a\u3051\u308b\u521d\u671f\u4fdd\u8a3c\u984d)<\/td><\/tr>
End of Policy Year<\/td>\u7d4c\u904e\u5e74\u6570<\/td><\/tr>
Policy Date<\/td>\u5951\u7d04\u958b\u59cb\u65e5(\u4fdd\u967a\u5951\u7d04\u304c\u6709\u52b9\u3068\u306a\u3063\u305f\u65e5)<\/td><\/tr>
Policy Anniversary<\/td>\u5951\u7d04\u5fdc\u5f53\u65e5<\/td><\/tr>
Account Value<\/td>\u5951\u7d04\u6642\u4fa1(\u7ba1\u7406\u8cbb\u7528\u5f15\u304d\u5f8c\u3001\u89e3\u7d04\u624b\u6570\u6599\u5f15\u304d\u524d)<\/td><\/tr>
Administration Charge<\/td>\u7ba1\u7406\u8cbb\u7528<\/td><\/tr>
Cash Value<\/td>\u89e3\u7d04\u8fd4\u623b\u91d1(\u7ba1\u7406\u8cbb\u7528\uff06\u89e3\u7d04\u624b\u6570\u6599\u5f15\u304d\u5f8c)<\/td><\/tr>
Surrender Charge<\/td>\u89e3\u7d04\u624b\u6570\u6599<\/td><\/tr>
Dividends<\/td>\u914d\u5f53<\/td><\/tr>
Terminal Bonus<\/td>\u89e3\u7d04\u6642\u30dc\u30fc\u30ca\u30b9<\/td><\/tr>
Annuitization<\/td>\u89e3\u7d04\u8fd4\u623b\u91d1\u306e\u5e74\u91d1\u5316<\/td><\/tr>
Annuity Income<\/td>\u5e74\u91d1\u53ce\u5165<\/td><\/tr>
Death Benefit<\/td>\u6b7b\u4ea1\u88dc\u511f\u91d1<\/td><\/tr>
Terminal Illness Benefit<\/td>\u91cd\u5927\u75be\u75c5\u7279\u7d04<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/p>\n\n\n\n

\u9999\u6e2f\u306e\u4fdd\u967a\u5546\u54c1\u3078\u306e\u52a0\u5165\u306f\u65e5\u672c\u975e\u5c45\u4f4f\u8005\u306e\u307f\u306b\u4e0e\u3048\u3089\u308c\u305f\u7279\u6a29\u3067\u3059\u3002\u65e5\u672c\u56fd\u5916\u306b\u304a\u4f4f\u307e\u3044\u3067\u3057\u305f\u3089\u3054\u691c\u8a0e\u3055\u308c\u3066\u306f\u5982\u4f55\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n\n\n\n

(*) \u9999\u6e2f\u3067\u6d41\u901a\u3059\u308b\u5546\u54c1\u306b\u5168\u3066\u4ed8\u5e2f\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8a73\u3057\u3044\u5185\u5bb9\u306f\u4ee3\u7406\u5e97\u306b\u304a\u5c0b\u306d\u304f\u3060\u3055\u3044\u3002<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u3053\u3093\u306b\u3061\u306f\u3001Wells Insurance Hong Kong\u3067\u3059\u3002 (*)\u4ee5\u4e0b\u306e\u5185\u5bb9\u306f\u3001\u7279\u5b9a\u5546\u54c1\u306e […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/posts\/116"}],"collection":[{"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/comments?post=116"}],"version-history":[{"count":30,"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/posts\/116\/revisions"}],"predecessor-version":[{"id":208,"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/posts\/116\/revisions\/208"}],"wp:attachment":[{"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/media?parent=116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/categories?post=116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wells-ins.com\/zh\/wp-json\/wp\/v2\/tags?post=116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}