EPISODE · Dec 8, 2025 · 33 MIN
EP18 外溢保單全解析：健康促進、風險預防與壽險市場的下一個成長點-郝充仁老師
from CFP®俱樂部-理財顧問的交流空間 · host 臺灣理財顧問認證協會
外溢保單將健康行為與保費誘因結合，被視為壽險業從「事後理賠」走向「事前預防」的重要轉折。投保意願卻仍不到 35%。本集我們再次邀請淡江大學風管系副教授 郝充仁老師，深入解析外溢保單的本質、投保瓶頸、未來商品設計方向與顧問在財務建議中的角色定位。 在本集節目中你會聽到—— ✅ 外溢保單三大核心：風險理財、風險控制、生態圈 ✅ 民眾為何不買？保費折讓不足、理念太新、配套不全 ✅ 外溢保單能否降低醫療險損失率？與人口老化有何關聯？ ✅ 未來商品趨勢：健康管理主導、非保證費率結合 IFRS 17 ✅ 未來 3–5 年的關鍵發展：電子生態圈、體驗式行銷、認知普及 -- Hosting provided by SoundOn
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EP18 外溢保單全解析：健康促進、風險預防與壽險市場的下一個成長點-郝充仁老師
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This episode is 33 minutes long.
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This episode was published on December 8, 2025.
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