{"id":31683,"date":"2026-05-17T11:00:02","date_gmt":"2026-05-17T01:00:02","guid":{"rendered":"https:\/\/au0061.com\/?p=31683"},"modified":"2026-05-17T11:00:02","modified_gmt":"2026-05-17T01:00:02","slug":"%e6%be%b3%e5%a4%a7%e5%88%a9%e4%ba%9a%e9%99%aa%e8%af%bb%e4%bf%9d%e9%99%a9%e5%85%a8%e6%94%bb%e7%95%a5%ef%bc%9a%e9%99%aa%e8%af%bb%e7%ad%be%e8%af%81%e4%bf%9d%e9%99%a9%e6%80%8e%e4%b9%88%e9%80%89%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/au0061.com\/zh\/%e6%be%b3%e5%a4%a7%e5%88%a9%e4%ba%9a%e9%99%aa%e8%af%bb%e4%bf%9d%e9%99%a9%e5%85%a8%e6%94%bb%e7%95%a5%ef%bc%9a%e9%99%aa%e8%af%bb%e7%ad%be%e8%af%81%e4%bf%9d%e9%99%a9%e6%80%8e%e4%b9%88%e9%80%89%ef%bc%9f\/","title":{"rendered":"\u6fb3\u5927\u5229\u4e9a\u966a\u8bfb\u4fdd\u9669\u5168\u653b\u7565\uff1a\u966a\u8bfb\u7b7e\u8bc1\u4fdd\u9669\u600e\u4e48\u9009\uff1f\u907f\u5f00\u8fd9\u4e9b\u5751\uff01"},"content":{"rendered":"

\"\u6fb3\u5927\u5229\u4e9a\u966a\u8bfb\u4fdd\u9669\u5168\u653b\u7565\uff1a\u966a\u8bfb\u7b7e\u8bc1\u4fdd\u9669\u600e\u4e48\u9009\uff1f\u907f\u5f00\u8fd9\u4e9b\u5751\uff01\"<\/p>\n

\u5927\u5bb6\u597d\uff0c\u6211\u662f\u6fb3\u6d32\u767e\u79d1\u5c0f\u52a9\u624b\uff0c\u6700\u8fd1\u6709\u5c0f\u5925\u4f34\u8aee\u8a62\u6211\u95dc\u65bc\u6fb3\u5927\u5229\u4e9a\u966a\u8bfb\u4e70\u54ea\u4e2a\u4fdd\u9669<\/b>\u7684\u554f\u984c\uff0c\u73fe\u5728\u6211\u5c07\u76f8\u95dc\u554f\u984c\u7e3d\u7d50\uff0c\u5e0c\u671b\u5c0d\u5404\u4f4d\u60f3\u4e86\u89e3\u7684\u5c0f\u5925\u4f34\u6709\u6240\u5e6b\u52a9\u3002<\/p>\n

\u966a\u8bfb\u7b7e\u8bc1\u662f\u6fb3\u6d32\u7b7e\u8bc1\u4f53\u7cfb\u4e2d\u4e00\u7c7b\u7279\u6b8a\u7684\u5b58\u5728\uff0c\u4e3b\u8981\u6db5\u76d6\u4e24\u79cd\u60c5\u51b5\uff1a\u4e00\u662f\u5b66\u751f\u7b7e\u8bc1\uff08500\u7c7b\u522b\uff09\u6301\u6709\u4eba\u7684\u914d\u5076\u6216\u672a\u6210\u5e74\u5b50\u5973\uff0c\u4f5c\u4e3a\u526f\u7533\u8bf7\u4eba\u4e00\u540c\u8d74\u6fb3\uff1b\u4e8c\u662f\u76d1\u62a4\u4eba\u7b7e\u8bc1\uff08590\u7c7b\u522b\uff09\uff0c\u5373\u672a\u6ee118\u5468\u5c81\u7559\u5b66\u751f\u7684\u5bb6\u957f\u6216\u6cd5\u5b9a\u76d1\u62a4\u4eba\u3002\u65e0\u8bba\u662f\u54ea\u79cd\u966a\u8bfb\uff0c\u6fb3\u6d32\u79fb\u6c11\u5c40\u90fd\u5f3a\u5236\u8981\u6c42\u8d2d\u4e70\u7b26\u5408\u89c4\u5b9a\u7684\u5065\u5eb7\u4fdd\u9669\uff0c\u5426\u5219\u7b7e\u8bc1\u7533\u8bf7\u53ef\u80fd\u88ab\u62d2\u6216\u540e\u7eed\u9762\u4e34\u5408\u89c4\u98ce\u9669\u3002\u4f46\u9762\u5bf9\u5e02\u573a\u4e0a\u7433\u7405\u6ee1\u76ee\u7684\u4fdd\u9669\u4ea7\u54c1\uff0c\u5f88\u591a\u65b0\u624b\u5bb6\u957f\u6216\u914d\u5076\u90fd\u4f1a\u611f\u5230\u56f0\u60d1\uff1a\u5230\u5e95\u8be5\u4e70\u54ea\u79cd\uff1f\u600e\u4e48\u9009\u6700\u5212\u7b97\uff1f\u4eca\u5929\u6211\u5c31\u5e26\u4f60\u4e00\u6b21\u7406\u6e05\u3002<\/p>\n

\u4e00\u3001\u966a\u8bfb\u7b7e\u8bc1\u7684\u4fdd\u9669\u8981\u6c42\uff1a\u5206\u6e05\u7c7b\u578b\u662f\u5173\u952e<\/h2>\n

\u9996\u5148\uff0c\u6211\u4eec\u5fc5\u987b\u660e\u786e\u966a\u8bfb\u7b7e\u8bc1\u7684\u7c7b\u578b\uff0c\u56e0\u4e3a\u4e0d\u540c\u7c7b\u578b\u7684\u7b7e\u8bc1\u5bf9\u5e94\u4e0d\u540c\u7684\u4fdd\u9669\u8981\u6c42\u3002<\/p>\n

1. \u5b66\u751f\u7b7e\u8bc1\u966a\u8bfb\uff08\u914d\u5076\u6216\u5b50\u5973\uff09<\/b><\/p>\n

\u5982\u679c\u4f60\u662f\u5b66\u751f\u7b7e\u8bc1\u6301\u6709\u4eba\u7684\u914d\u5076\uff0c\u6216\u8005\u5e26\u672a\u6210\u5e74\u5b50\u5973\u4e00\u8d77\u7533\u8bf7\u5b66\u751f\u7b7e\uff08\u5b50\u5973\u4f5c\u4e3a\u526f\u7533\u8bf7\u4eba\uff09\uff0c\u90a3\u4e48\u4f60\u548c\u5b50\u5973\u901a\u5e38\u9700\u8981\u52a0\u5165\u7559\u5b66\u751f\u7684\u6d77\u5916\u5b66\u751f\u533b\u7597\u4fdd\u9669\uff08OSHC\uff09\u3002OSHC\u662f\u6fb3\u6d32\u653f\u5e9c\u4e3a\u5b66\u751f\u7b7e\u8bc1\u6301\u6709\u4eba\u5f3a\u5236\u8981\u6c42\u8d2d\u4e70\u7684\u4fdd\u9669\uff0c\u5b83\u8986\u76d6\u57fa\u672c\u7684\u533b\u7597\u670d\u52a1\u3001\u4f4f\u9662\u3001\u7d27\u6025\u6551\u62a4\u7b49\u3002\u4f46\u6ce8\u610f\uff1aOSHC\u5206\u4e3a\u5355\u4eba\u3001\u53cc\u4eba\u3001\u5bb6\u5ead\u8ba1\u5212\u3002\u5bb6\u5ead\u8ba1\u5212\u53ef\u4ee5\u8986\u76d6\u7559\u5b66\u751f\u672c\u4eba+\u914d\u5076+\u672a\u6210\u5e74\u5b50\u5973\u3002\u5982\u679c\u4f60\u7684\u7559\u5b66\u751f\u914d\u5076\u5df2\u7ecf\u8d2d\u4e70\u4e86\u5bb6\u5ead\u8ba1\u5212OSHC\uff0c\u90a3\u4e48\u4f60\u4f5c\u4e3a\u966a\u8bfb\u914d\u5076\u5c31\u4e0d\u9700\u8981\u518d\u989d\u5916\u8d2d\u4e70\u4fdd\u9669\uff0c\u76f4\u63a5\u53d7\u4fdd\u5373\u53ef\u3002\u4f46\u5982\u679c\u7559\u5b66\u751f\u53ea\u8d2d\u4e70\u4e86\u5355\u4ebaOSHC\uff0c\u90a3\u4e48\u966a\u8bfb\u914d\u5076\u548c\u5b50\u5973\u9700\u8981\u5355\u72ec\u8d2d\u4e70OSHC\u6216OVHC\uff08\u6d77\u5916\u8bbf\u5ba2\u5065\u5eb7\u4fdd\u9669\uff09\u3002\u73b0\u5b9e\u4e2d\uff0c\u5f88\u591a\u7559\u5b66\u751f\u4e3a\u4e86\u7701\u94b1\u4f1a\u4e70\u5355\u4ebaOSHC\uff0c\u7136\u540e\u8ba9\u914d\u5076\u81ea\u5df1\u4e70OVHC\uff0c\u4f46\u8fd9\u6837\u505a\u53ef\u80fd\u4f1a\u5e26\u6765\u7406\u8d54\u8854\u63a5\u95ee\u9898\uff0c\u56e0\u4e3aOSHC\u548cOVHC\u7684\u6761\u6b3e\u4e0d\u540c\u3002\u5efa\u8bae\u4f18\u5148\u9009\u62e9\u5408\u5e76\u7684\u5bb6\u5eadOSHC\u8ba1\u5212\uff0c\u4e0d\u4ec5\u4ef7\u683c\u66f4\u4f18\uff0c\u800c\u4e14\u8986\u76d6\u66f4\u7edf\u4e00\u3002<\/p>\n

2. \u76d1\u62a4\u4eba\u7b7e\u8bc1\uff08590\u7c7b\u522b\uff09\u966a\u8bfb<\/b><\/p>\n

\u5982\u679c\u4f60\u662f\u4ee5\u76d1\u62a4\u4eba\u7684\u8eab\u4efd\u966a\u540c\u672a\u6ee118\u5468\u5c81\u7684\u5c0f\u5b69\u5728\u6fb3\u6d32\u7559\u5b66\uff0c\u90a3\u4e48\u4f60\u5fc5\u987b\u8d2d\u4e70\u6d77\u5916\u8bbf\u5ba2\u5065\u5eb7\u4fdd\u9669\uff08OVHC\uff09\u3002\u79fb\u6c11\u5c40\u660e\u786e\u89c4\u5b9a\uff0c\u76d1\u62a4\u4eba\u7b7e\u8bc1\u6301\u6709\u4eba\u9700\u8d2d\u4e70\u6ee1\u8db3\u6700\u4f4e\u8981\u6c42\u7684OVHC\uff0c\u901a\u5e38\u5305\u62ec\u533b\u9662\u4fdd\u9669\u3001\u533b\u5e08\u670d\u52a1\u3001\u7d27\u6025\u6551\u62a4\u3001\u5904\u65b9\u836f\u7b49\u3002OSHC\u53ea\u9002\u7528\u4e8e\u5b66\u751f\u7b7e\u8bc1\u6301\u6709\u4eba\uff0c\u76d1\u62a4\u4eba\u4e0d\u80fd\u4f7f\u7528OSHC\u3002\u56e0\u6b64\uff0c\u76d1\u62a4\u4eba\u7b7e\u8bc1\u7684\u552f\u4e00\u4fdd\u9669\u9009\u9879\u5c31\u662fOVHC\u3002<\/p>\n

\u6b64\u5916\uff0c\u8fd8\u6709\u4e00\u79cd\u60c5\u51b5\u662f\u5b66\u751f\u7b7e\u8bc1\u6301\u6709\u4eba\u7684\u5b50\u5973\u5728\u6fb3\u6d32\u51fa\u751f\uff0c\u6b64\u65f6\u65b0\u751f\u513f\u9700\u8981\u5c3d\u5feb\u52a0\u5165\u7236\u6bcd\u7684\u4fdd\u9669\u4e2d\uff0c\u5426\u5219\u533b\u7597\u8d39\u7528\u5c06\u81ea\u4ed8\u3002<\/p>\n

\u4e8c\u3001\u4e3b\u6d41\u4fdd\u9669\u516c\u53f8\u53ca\u4ea7\u54c1\u5bf9\u6bd4<\/h2>\n

\u6fb3\u6d32\u5e02\u573a\u4e0a\u6709\u51e0\u5bb6\u4e3b\u8981\u7684\u5065\u5eb7\u4fdd\u9669\u63d0\u4f9b\u5546\uff0c\u90fd\u63d0\u4f9bOSHC\u548cOVHC\u4ea7\u54c1\u3002\u5bf9\u4e8e\u966a\u8bfb\u4eba\u58eb\uff0c\u5e38\u89c1\u7684\u516c\u53f8\u5305\u62ec\uff1a<\/p>\n\n\n\n\n\n\n\n
\u4fdd\u9669\u516c\u53f8<\/th>\nOSHC\u5bb6\u5ead\u8ba1\u5212\uff08\u53c2\u8003\u4ef7\u683c\/\u5e74\uff09<\/th>\nOVHC\u57fa\u7840\u8ba1\u5212\uff08\u53c2\u8003\u4ef7\u683c\/\u5e74\uff09<\/th>\n\u7279\u70b9\/\u6ce8\u610f\u4e8b\u9879<\/th>\n<\/tr>\n
Bupa<\/td>\n\u7ea6$3,200~$3,800<\/td>\n\u7ea6$1,200~$2,500<\/td>\n\u7f51\u70b9\u591a\u3001\u670d\u52a1\u597d\uff0cOVHC\u6709\u4e0d\u540c\u7b49\u7ea7\uff08Basic\/Standard\/Comprehensive\uff09\uff0c\u8986\u76d6\u5b55\u5987\u5206\u5a29\u9700\u5347\u7ea7<\/td>\n<\/tr>\n
Medibank<\/td>\n\u7ea6$3,000~$3,600<\/td>\n\u7ea6$1,000~$2,200<\/td>\n\u6fb3\u6d32\u6700\u5927\u4fdd\u9669\u5546\u4e4b\u4e00\uff0c\u7406\u8d54\u7cfb\u7edf\u6210\u719f\uff0cOVHC\u6807\u51c6\u8ba1\u5212\u542b\u6551\u62a4\u8f66<\/td>\n<\/tr>\n
Allianz<\/td>\n\u7ea6$3,100~$3,700<\/td>\n\u7ea6$1,100~$2,000<\/td>\n\u56fd\u9645\u54c1\u724c\uff0c\u4e2d\u6587\u5ba2\u670d\u652f\u6301\u8f83\u597d\uff0c\u90e8\u5206\u8ba1\u5212\u542b\u7259\u79d1\u548c\u773c\u79d1\u4f18\u60e0<\/td>\n<\/tr>\n
nib<\/td>\n\u7ea6$2,800~$3,400<\/td>\n\u7ea6$950~$1,800<\/td>\n\u4ef7\u683c\u76f8\u5bf9\u5b9e\u60e0\uff0c\u4f46OVHC\u8986\u76d6\u8303\u56f4\u504f\u7a84\uff0c\u5efa\u8bae\u4ed4\u7ec6\u770b\u6761\u6b3e<\/td>\n<\/tr>\n
Australian Unity<\/td>\n\u7ea6$3,000~$3,500<\/td>\n\u7ea6$1,100~$2,100<\/td>\n\u4e2d\u5c0f\u578b\u516c\u53f8\uff0c\u90e8\u5206\u8ba1\u5212\u6709\u7b49\u5f85\u671f\u8c41\u514d\u4f18\u60e0<\/td>\n<\/tr>\n<\/table>\n

\u6ce8\u610f\uff1a\u4ee5\u4e0a\u4ef7\u683c\u4e3a2025\u5e74\u53c2\u8003\uff0c\u5b9e\u9645\u8d39\u7528\u968f\u5e74\u9f84\u3001\u4fdd\u9669\u7b49\u7ea7\u3001\u9644\u52a0\u9879\u76ee\u53d8\u5316\u3002\u8d2d\u4e70\u524d\u4e00\u5b9a\u8981\u5728\u5b98\u7f51\u83b7\u53d6\u6700\u65b0\u62a5\u4ef7\u3002<\/p>\n

\u4e09\u3001\u5982\u4f55\u9009\u62e9\u6700\u9002\u5408\u81ea\u5df1\u7684\u966a\u8bfb\u4fdd\u9669\uff1f<\/h2>\n

1. \u5148\u786e\u8ba4\u7b7e\u8bc1\u7c7b\u578b\u548c\u4fdd\u9669\u8d23\u4efb<\/b>
\n\u5982\u679c\u4f60\u662f\u5b66\u751f\u7b7e\u8bc1\u966a\u8bfb\uff08\u914d\u5076\/\u5b50\u5973\uff09\uff0c\u9996\u9009\u5bb6\u5eadOSHC\u3002\u5982\u679c\u7559\u5b66\u751f\u5df2\u8d2d\u5355\u4ebaOSHC\uff0c\u4f60\u53ef\u4ee5\u9009\u62e9\u8865\u8d2dOVHC\uff0c\u4f46\u9700\u6ce8\u610fOVHC\u4e0d\u8986\u76d6\u4e00\u4e9b\u5b66\u751f\u798f\u5229\uff08\u5982\u90e8\u5206\u5927\u5b66\u9644\u5c5e\u8bca\u6240\u7684\u514d\u8d39\u670d\u52a1\uff09\u3002\u5982\u679c\u4f60\u662f\u76d1\u62a4\u4eba\uff0c\u76f4\u63a5\u4e70OVHC\u3002<\/p>\n

2. \u8003\u8651\u8986\u76d6\u8303\u56f4\u7684\u9700\u6c42<\/b>
\n\u4e0d\u540c\u4fdd\u9669\u8ba1\u5212\u8986\u76d6\u7684\u533b\u7597\u9879\u76ee\u5dee\u5f02\u5f88\u5927\u3002\u4f8b\u5982\uff0c\u5b55\u4ea7\u76f8\u5173\u670d\u52a1\u5728\u5f88\u591aOVHC\u57fa\u7840\u8ba1\u5212\u4e2d\u662f\u6392\u9664\u7684\uff0c\u9700\u8981\u989d\u5916\u4ed8\u8d39\u5347\u7ea7\u3002\u5982\u679c\u4f60\u6709\u5907\u5b55\u8ba1\u5212\uff0c\u4e00\u5b9a\u8981\u9009\u5305\u542b\u5206\u5a29\u8d39\u7528\u7684\u8ba1\u5212\u3002\u53e6\u5916\uff0c\u65e2\u5f80\u75c5\u53f2\u7684\u7b49\u5f85\u671f\uff1aOSHC\u901a\u5e38\u5bf9\u65e2\u5f80\u75c5\u53f2\u670912\u4e2a\u6708\u7b49\u5f85\u671f\uff0cOVHC\u53ef\u80fd\u66f4\u957f\u3002\u8d2d\u4e70\u524d\u8981\u5982\u5b9e\u544a\u77e5\u5065\u5eb7\u72b6\u51b5\u3002<\/p>\n

3. \u5bf9\u6bd4\u4ef7\u683c\u548c\u6027\u4ef7\u6bd4<\/b>
\n\u4e0d\u8981\u53ea\u770b\u4fdd\u8d39\u9ad8\u4f4e\uff0c\u8fd8\u8981\u770b\u81ea\u4ed8\u989d\uff08excess\uff09\u3001\u62a5\u9500\u6bd4\u4f8b\u3001\u7f51\u7edc\u533b\u9662\u8303\u56f4\u3002\u4f8b\u5982\uff0cBupa\u548cMedibank\u7684\u7f51\u7edc\u533b\u9662\u8f83\u591a\uff0c\u770b\u4e13\u79d1\u533b\u751f\u53ef\u80fd\u66f4\u4fbf\u5b9c\u3002\u800cnib\u867d\u7136\u4fbf\u5b9c\uff0c\u4f46\u9700\u8981\u652f\u4ed8\u66f4\u9ad8\u7684gap fee\u3002\u5efa\u8bae\u5229\u7528\u5404\u5927\u4fdd\u9669\u516c\u53f8\u7684\u7ebf\u4e0a\u6bd4\u4ef7\u5de5\u5177\uff0c\u8f93\u5165\u4f60\u7684\u51fa\u751f\u65e5\u671f\u548c\u7b7e\u8bc1\u7c7b\u578b\uff0c\u83b7\u53d6\u7cbe\u786e\u62a5\u4ef7\u3002<\/p>\n

4. \u5173\u6ce8\u7b49\u5f85\u671f\u548c\u7b7e\u8bc1\u6709\u6548\u671f<\/b>
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5. \u7406\u8d54\u4fbf\u6377\u5ea6<\/b>
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\u56db\u3001\u5e38\u89c1\u8bef\u533a\u4e0e\u907f\u5751\u6307\u5357<\/h2>\n

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\u7e3d\u7d50<\/h2>\n

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