{"id":16058,"date":"2025-10-28T13:26:28","date_gmt":"2025-10-28T05:26:28","guid":{"rendered":"https:\/\/www.accuramedical.hk\/?p=16058"},"modified":"2026-06-08T17:13:46","modified_gmt":"2026-06-08T09:13:46","slug":"factors-cause-rise-in-insurance-premium","status":"publish","type":"post","link":"https:\/\/www.accuramedical.hk\/cn\/factors-cause-rise-in-insurance-premium\/","title":{"rendered":"\u3010\u533b\u7597\u4fdd\u9669\u52a0\u4ef7\u6f6e\u3011\u533b\u7597\u4fdd\u9669\u4fdd\u8d39\u5e74\u5e74\u52a0\uff1f\u4e00\u6587\u62c6\u89e3\u4fdd\u8d39\u5347\u5e45\u80cc\u540e\u771f\u76f8\uff0c\u6559\u4f60\u667a\u9009\u533b\u4fdd"},"content":{"rendered":"<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-ht-block-toc is-style-contrasted htoc htoc--position-wide toc-list-style-bulleted\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">\u3010\u81ea\u613f\u533b\u4fdd\u3011\u4e70\u533b\u7597\u4fdd\u9669\u771f\u7684\u53ef\u83b7\u5168\u6570\u8d54\u507f\uff1f\u5148\u7559\u610f9\u9879\u533b\u4fdd\u8ba1\u5212\u5e38\u89c1\u9650\u5236\u548c\u7ec6\u8282<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-\">\u65e0\u6cd5\u907f\u514d\u7684\u5b8f\u89c2\u56e0\u7d20<\/a><\/li><li class=\"\"><a href=\"#htoc-aia-08-2025\">\u9f99\u5934\u516c\u53f8\u7684\u4fdd\u8d39\u5347\u5e45<\/a><\/li><li class=\"\"><a href=\"#htoc-9\">\u5982\u4f55\u505a\u4e2a\u7cbe\u660e\u6295\u4fdd\u4eba\uff1f<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-2043-267\">\u6bcf\u5e74\u6536\u5230\u533b\u7597\u4fdd\u9669\u7eed\u4fdd\u901a\u77e5\uff0c\u4f46\u6bcf\u5e74\u4fdd\u8d39\u52a0\u4ef7\uff0c\u76f8\u4fe1\u5f88\u591a\u4fdd\u5355\u6301\u6709\u4eba\u89c1\u5230\u6536\u8d39\u5355\u4e0d\u7981\u7709\u5934\u4e00\u76b1\u3002\u4e8b\u5b9e\u4e0a\uff0c\u533b\u7597\u4fdd\u9669\u4fdd\u8d39\u6301\u7eed\u4e0a\u5347\u5e76\u975e\u5355\u4e00\u539f\u56e0\u9020\u6210\uff0c\u80cc\u540e\u6d89\u53ca\u5b8f\u89c2\u73af\u5883\u3001\u793e\u4f1a\u8d8b\u52bf\u7b49\u56e0\u7d20\u3002\u5c0f\u7f16\u5728\u672c\u6587\u62c6\u89e3\u4fdd\u9669\u5e74\u8d39\u52a0\u4ef7\u4e4b\u8c1c\uff0c\u5e76\u5206\u4eab\u5982\u4f55\u505a\u4e2a\u7cbe\u660e\u7684\u6295\u4fdd\u4eba\u3002<\/p>\n\n\n\n<div class=\"wp-block-essential-blocks-button  root-eb-button-rsxaa\"><div class=\"eb-parent-wrapper eb-parent-eb-button-rsxaa\"><div class=\"eb-button-wrapper eb-button-alignment eb-button-rsxaa\"><div class=\"eb-button\"><a class=\"eb-button-anchor\" href=\"https:\/\/www.accuramedical.hk\/cn\/choosing-medical-plans\/\" rel=\"noopener\">\u5ef6\u4f38\u9605\u8bfb\uff1a\u3010\u81ea\u613f\u533b\u4fdd\u3011\u4eba\u751f\u89c4\u5212\u4e0e\u533b\u4fdd(\u5165\u95e8)<\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h2 id=\"htoc-\" class=\"wp-block-heading\"><strong>\u65e0\u6cd5\u907f\u514d\u7684\u5b8f\u89c2\u56e0\u7d20<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-ceo\">\u73b0\u65f6\u6240\u6709\u4fdd\u9669\u516c\u53f8\u90fd\u8981\u5171\u540c\u9762\u5bf9\u7684\u6311\u6218\uff0c\u5206\u522b\u6709\u4e24\u5927\u5b8f\u89c2\u56e0\u7d20\uff0c\u4ea6\u662f\u4fdd\u8d39\u4e0a\u5347\u7684\u57fa\u672c\u539f\u56e0\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-default\">\n<li><strong>\u533b\u7597\u901a\u80c0\uff08Medical Inflation\uff09<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u968f\u533b\u7597\u6210\u672c\u4e0d\u65ad\u4e0a\u6da8\uff0c\u6839\u636e\u98ce\u9669\u7ba1\u7406\u987e\u95ee\u516c\u53f8WTW\u7684<a href=\"https:\/\/www.wtwco.com\/en-hk\/insights\/2024\/10\/2025-global-medical-trends-survey\">\u300a2025\u5e74\u5168\u7403\u533b\u7597\u8d8b\u52bf\u8c03\u67e5\u62a5\u544a\u300b<\/a>\uff0c\u9884\u8ba1\u5168\u7403\u5e73\u5747\u533b\u7597\u6210\u672c\u57282025\u5c06\u5347\u81f310.4%\uff0c\u800c\u9999\u6e2f\u7684\u533b\u7597\u901a\u80c0\u7387\u57282025 \u5e74\u8fbe\u52309.8%\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-1\">\u5f53\u4e2d\u62a5\u544a\u6307\u51fa\u4e86\u51e0\u4e2a\u5bfc\u81f4\u5168\u7403\u533b\u7597\u6210\u672c\u6301\u7eed\u4e0a\u5347\u7684\u5173\u952e\u56e0\u7d20\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u65b0\u533b\u7597\u6280\u672f\u4e0e\u836f\u7269\n<ul class=\"wp-block-list\">\n<li>69% \u7684\u4fdd\u9669\u516c\u53f8\u8ba4\u4e3a\uff0c\u5148\u8fdb\u533b\u7597\u6280\u672f\u7684\u6210\u672c\u662f\u63a8\u52a8\u533b\u7597\u8d39\u7528\u4e0a\u6da8\u7684\u9996\u8981\u56e0\u7d20\u3002\u5148\u8fdb\u836f\u7269\u7684\u53d1\u5c55\u4e5f\u662f\u836f\u7269\u6210\u672c\u589e\u52a0\u7684\u4e3b\u8981\u539f\u56e0\u3002\u4f8b\u5982\u65e0\u521b\u6cbb\u7597\u809d\u764c\u7684Histotripsy\uff08\u7ec4\u7ec7\u788e\u5316\u6280\u672f\uff09\u624b\u672f\u4eea\u5668\uff0c\u867d\u7136\u4e3a\u809d\u764c\u75c5\u4eba\u5e26\u6765\u66f4\u597d\u7684\u6cbb\u7597\u9009\u62e9\uff0c\u4f46\u6210\u672c\u4ea6\u76f8\u5f53\u9ad8\u6602\u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u516c\u5171\u533b\u7597\u7cfb\u7edf\u4e0d\u80dc\u8d1f\u8377\n<ul class=\"wp-block-list\">\n<li>57% \u7684\u4fdd\u9669\u516c\u53f8\u6307\u51fa\uff0c\u516c\u5171\u533b\u7597\u7cfb\u7edf\u54c1\u8d28\u4e0b\u964d\u6216\u8d44\u91d1\u4e0d\u8db3\uff0c\u5bfc\u81f4\u9700\u6c42\u8f6c\u5411\u79c1\u4eba\u533b\u7597\uff0c\u4ece\u800c\u63a8\u9ad8\u6210\u672c\u3002\u8fd9\u4e2a\u73b0\u8c61\u5728\u6b27\u6d32\u5c24\u5176\u663e\u8457\uff0c\u9ad8\u8fbe75%\u7684\u6b27\u6d32\u4fdd\u9669\u516c\u53f8\u89c6\u5176\u4e3a\u4e3b\u8981\u539f\u56e0\u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u533b\u7597\u670d\u52a1\u7684\u8fc7\u5ea6\u4f7f\u7528\u6216\u9519\u914d\n<ul class=\"wp-block-list\">\n<li>72% \u7684\u4fdd\u9669\u516c\u53f8\u8868\u793a\uff0c\u533b\u751f\u63a8\u8350\u8fc7\u591a\u670d\u52a1\u5bfc\u81f4\u300c\u8fc7\u5ea6\u62a4\u7406\u300d\u662f\u63a8\u9ad8\u6210\u672c\u7684\u4e3b\u8981\u884c\u4e3a\u56e0\u7d20\uff0c\u6b64\u6bd4\u4f8b\u663e\u8457\u76f8\u5bf92023\u768459%\u589e\u591a\u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u540e\u75ab\u60c5\u65f6\u4ee3\u5bf9\u533b\u7597\u9700\u6c42\u53cd\u5f39\n<ul class=\"wp-block-list\">\n<li>\u81eaCOVID-19\u75ab\u60c5\u540e\uff0c\u533b\u7597\u670d\u52a1\u7684\u4f7f\u7528\u91cf\u6301\u7eed\u6fc0\u589e\uff0c\u5bf9\u6574\u4f53\u6210\u672c\u6784\u6210\u538b\u529b\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4eba\u53e3\u8001\u5316\u4e0e\u4f7f\u7528\u7387\u589e\u52a0<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u9999\u6e2f\u653f\u5e9c\u63a8\u7b97\u81f32039\u5e74\uff0c65\u5c81\u53ca\u4ee5\u4e0a\u7684\u4eba\u53e3\u57282039\u5e74\u5c06\u4e0a\u5347\u81f3252\u4e07\uff0c\u672c\u6e2f\u793e\u4f1a\u4eba\u53e3\u8001\u5316\u662f\u4e0d\u4e89\u7684\u4e8b\u5b9e\u3002\u5e74\u957f\u4eba\u58eb\u5bf9\u533b\u7597\u670d\u52a1\u9700\u6c42\u81ea\u7136\u66f4\u9ad8\uff0c\u5bfc\u81f4\u6574\u4f53\u533b\u7597\u4fdd\u9669\u7684\u4f7f\u7528\u7387\u53ca\u7d22\u507f\u91d1\u989d\u6301\u7eed\u589e\u52a0\u3002<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><code><strong>\u666e\u904d\u5927\u4f17\u5bf9\u9632\u6cbb\u75be\u75c5\u7684\u610f\u8bc6\u63d0\u9ad8\uff0c\u589e\u52a0\u5bf9\u8eab\u4f53\u68c0\u67e5\u7684\u9700\u6c42<\/strong><\/code>\n<ul class=\"wp-block-list\">\n<li><code>\u636e\u80bf\u7624\u4e13\u5bb6\u83ab\u6811\u9526\u6559\u6388\u6307\uff0c\u764c\u75c7\u7b5b\u67e5\u5e94\u5728\u6ca1\u6709\u75c7\u72b6\u65f6\u8fdb\u884c\uff0c\u67d0\u4e9b\u764c\u75c7\u5982\u80ba\u764c\uff0c\u56e0\u4e3a\u80ba\u90e8\u7f3a\u4e4f\u611f\u5e94\u7ec6\u80de\uff0c\u5373\u4f7f\u957f\u51fa\u80bf\u7624\uff0c\u60a3\u8005\u53ef\u80fd\u65e9\u671f\u53ef\u65e0\u660e\u663e\u5f81\u5146\uff0c\u9664\u975e\u80bf\u7624\u538b\u8feb\u6c14\u7ba1\u6216\u80ba\u819c\u3002\u6b64\u5916\uff0c\u653f\u5e9c\u9f13\u52b150\u5c81\u6216\u4ee5\u4e0a\u4eba\u58eb\u5b9a\u671f\u63a5\u5927\u80a0\u764c\u7b5b\u67e5\u3001\u5987\u5973\u63a5\u53d7\u4e73\u623f\u68c0\u67e5\u6216\u5b50\u5bab\u9888\u764c\u7b5b\u67e5\uff0c\u6709\u52a9\u53ca\u65e9\u53d1\u73b0\u764c\u75c7<\/code>\uff0c\u95f4\u63a5\u63a8\u52a8\u5927\u4f17\u5bf9\u8eab\u4f53\u68c0\u67e5\u7684\u9700\u6c42\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity 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frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-831b2db5 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-accura-medical wp-block-embed-accura-medical\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"eoQseeMmHv\"><a href=\"https:\/\/www.accuramedical.hk\/cn\/product\/%e5%a4%a7%e8%85%b8%e9%8f%a1%e6%aa%a2%e6%9f%a5\/\">\u5927\u80a0\u955c\u68c0\u67e5\u9884\u7ea6\u8ba2\u91d1<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u5927\u80a0\u955c\u68c0\u67e5\u9884\u7ea6\u8ba2\u91d1\u2014 Accura Medical\" src=\"https:\/\/www.accuramedical.hk\/hk\/product\/%e5%a4%a7%e8%85%b8%e9%8f%a1%e6%aa%a2%e6%9f%a5\/embed\/#?secret=0VyCxfbSfN#?secret=eoQseeMmHv\" data-secret=\"eoQseeMmHv\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.evishealth.com\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"400\" src=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/10\/ViataHEART-new-ver-1-1280x400.gif\" alt=\"\" class=\"wp-image-16345\" srcset=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/10\/ViataHEART-new-ver-1-1280x400.gif 1280w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/10\/ViataHEART-new-ver-1-1024x320.gif 1024w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/10\/ViataHEART-new-ver-1-768x240.gif 768w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/10\/ViataHEART-new-ver-1-1536x480.gif 1536w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/10\/ViataHEART-new-ver-1-18x6.gif 18w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/a><\/figure>\n\n\n\n<h2 id=\"htoc-aia-08-2025\" class=\"wp-block-heading has-link-color wp-elements-1\"><strong>\u9f99\u5934\u516c\u53f8\u7684\u4fdd\u8d39\u5347\u5e45<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-11111111111\">\u5c0f\u7f16\u53c2\u8003\u7f51\u4e0a\u8d44\u6599\uff0c\u6bd4\u8f83\u5e02\u9762\u4e0a\u4e09\u95f4\u4e3b\u6d41\u516c\u53f8\uff08A\u516c\u53f8\u3001M\u516c\u53f8\u3001P\u516c\u53f8\uff09\u7684\u4ea7\u54c1\uff0c\u8d8b\u52bf\u663e\u7136\u6613\u89c1\uff1a<\/p>\n\n\n\n<ul 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