生病受傷公司有補助嗎？勞保傷病與職災理賠全解析｜生病藥錢 EP6

生病或發生意外時，多數人第一時間想到的是自己的商業醫療險，卻忽略了每個月從薪水扣繳的「勞工保險」。遇到傷病，不少勞工會抱怨：「為什麼我受傷了，公司不理賠？勞保也請不到錢？」

事實上，多數請領失敗的案例，並非勞保局刁難，而是勞工與人資對「勞保普通傷病」與「職災傷病」的規則一知半解。自民國 111 年 5 月 1 日《災保法》上路後，勞保與職災保險已正式分家。想要拿回屬於自己的薪資補償，你必須先搞懂遊戲規則。以下直接拆解四大核心權益與常見地雷。

本集重點：
📌勞保與職災大不同：住院與否成理賠關鍵
📌領全薪就不能賠？「假別勾選」是最大地雷
📌罹癌與重病保障：勞保失能給付與退保後權益
📌雇主補償與隱藏津貼：勞資雙方必知的法律底線

《生病藥錢》是專為病人與照顧者打造的健康理財 Podcast。結合健康、理財與法律，帶領聽眾拆解生病後會遇到的真實問題，用深入淺出的方式幫助聽眾理解每一個病後選擇的關鍵。

Apple Podcast🔗https://podcasts.apple.com/us/podcast/id1880030312
Spotify🔗https://open.spotify.com/show/1upERRmhA3oM6wEDS12NPf
YouTube🔗https://www.youtube.com/@pills_n_bills
KKBOX🔗https://podcast.kkbox.com/tw/channel/Kru2PqzmMEPTttetQZ
Instagram🔗https://www.instagram.com/sick.needs.money/

Transcript

unknown 0:03

I think it's a good thing.

SPEAKER_00 1:15

Doesn't he have gentle?

SPEAKER_04 1:43

So in a tongue go chi ho men the lao bau, she but nice bow and potonsi co some pin chief zit the sampin chief foo. Dans by each e n and the o y e tiho, woman the lao bau can tzitai bao shen chis tamenjo e gin fangialo. Dan taman pieces your hun do ch your guan di and shind uh so e bandai chang to lao gong, look or fasten tizai, ta si wang tizai baci and two san chin. Oh now look or si need also chat the chuchu and fasten's good ho su busu tizai taju wang la gon ba senchin. So chin dana just egg tizai ega cho si fate the bull fan. Now tell me do yo tum do yo sambin chi foo dun tam and beat it changed the nansi q nail ho the sea chin dunas bull young.

SPEAKER_01 2:41

So ye bam lao bow gang your tea down to chuanka but some and yes si s and eagle la bow the lipay fanwh.

SPEAKER_04 2:51

Hangai fangway tao chi guang the bao shen now ho your fasten circle bichu out two yu and the huom changes some pin chi foo maha. Now done I tell co to doubt two yen chin san t and the bull fan ton t sato he chi food.

SPEAKER_01 3:08

Cut chan te eating out two yuan tip there.

SPEAKER_04 3:10

Do so woman to pinch a jo shenba chi fen chin too. Look was it now about the puton circle some pinchi foo. Tajo eating yao to yuan. Hm was it the sam pinchi foo, tacho boo eating yao tzu yu.

SPEAKER_00 3:26

Not saying you cut out the woman sian, how challenged a win team. Shintai yo hando shin the e liao handomil band batsu yuen, your so si uh men shori. So you won't me about he go and some me we pap.

SPEAKER_04 3:41

Twe. In went woman the bookwan si lao bow who the sitsai bauchin tuman the sam be foo. She said tum and boos it for e out young si for take a shinzi bootan the booffan. So bau gun tizai baution the same pin chief foo, tum and tose shinzi bootang the shin chi.

SPEAKER_00 4:03

Not teacher your ego len jo e dou ego mount yeah, choose it or lookin' a gongs the pin chia con se in fact or pan chin. Now look to and fasten e whose the song pin.

SPEAKER_04 4:16

Why can't she send a lao ball some pinch fo ma ki inwe omenso shen tan take a lao bab putons go some pin chifu. Now don't let on shinti but shinzi ma. So e chintien lugo si send pin two yuen na e y two yen gongsuke pan chin. Nat your table tata shinti your duansa. Nat shinti your duensa, ta yokay san chin, now bought uh putonsicu sampinchifu. Like bootsu take a boo fan. So dwansa. Anyway, good to yet okay, panchin.

SPEAKER_01 4:54

So uh diet chicken is and so any just show ya uh can seeao gong to not yang si you banfa sentin tea fuma.

SPEAKER_04 5:04

How so ye uh so at that body ching laupa ta it tin si ya too yuan. Danglan Lugos itai bao shen tau boy tin. So it can say gangan links or tea, in guys who was it huang. Now chi jin ta e sen chin ti san pin chi fuma e the hei Oh oh now ten tingle and the ya choose your law gong the jaw so sang touch the bam so the q din hua na just in so it chimbi and the gong zoo na shan chang the qing kwang who uh in siangao tat ji san chin the g Bao chu uh the go changin. How Gangan tita si your guan tside the pool maha soy moon chien dou bau chi ta gre dinway or meal san chin zi bau and some pin chifu, ta yo chica yao qin jos diga ta kanga tita shin tzu twan sa de a josi tak man chu and chiama ha ha na soy hai hai gon songia just ta boom and gonto. Soi it dani wa chi some pan la bau chi buhe chi fo. You tangway ni jin huifu conto ng. Oh so it's a boechi fo. Soi tai chang the hen chin too. Me be she boon and conto. Not cutanisha unwaso na conto a bandit cavakoi conto a banded yan si or conto. Soy how she bang bang a hell she say the chin one two e just mo chin ti tie baus and the sampinchi fo the yao chio just boon and conto. Not say ja conto.

SPEAKER_00 6:56

Gentlemen don't work from home.

SPEAKER_04 6:59

So uh chiantanda, anyway, ni young sentinel so near that bill go some into a gong shim.

SPEAKER_00 7:16

She's a double fan, or changing labour machin to uh your share shall gong s hasn't need to na can you also chin song, so yeah, bam so iso is yammy and trick off.

SPEAKER_04 7:48

In way, now about you can chew tasking quang like her fat. Can't easily be able to show young the chin song you call me that I chin easy, so e bow shen the sampin chifu. How chis ni some inta show and chi chin santo me or younger. Do a lot about you early and how can the si ni si chi the tia chi gin. Oh ni sita bew so can see e data good, good e bank and tia takaya bannian. Now ni curie fan chiman eka you hold anga ye whichu eats. Now ni make who eat your kite than su now some in your two mean ni the month and di chi and your cur eater. But two fate of anj ni out too eat her whole dandem ni ta which you kaisu away the shoang qi new nicon do fan chincho. Shinti paytan the bullfell cause it do woman that's the bow and pushu ya in way labour, can't the justice cheats it out chi chin. Hm could have paytan yet just nigga shinzi butan the bullfema. Oh, Shinzi Bootan just had a guy near. So you ta chi chance docho, Ju are can so the qi chance docho. Is and tong has enter which we choose the can the chi. Now ho, la bau senta.

SPEAKER_01 10:01

Sweet hapsi can you ta sing the uh the tie thing man used one quite the thing say, go one quite thing say, a bicepangos young. Uh shit out now.

SPEAKER_04 10:16

No, no go see la bow the putons go. Uwangans once young the bow shin the uangans once bull young. So woman the lao bow. Now was it baution? Um the tizai baution shen thai got tobash into cheer body in din. So was it oo one, tauata now food in the chi chi. Now was one, tauata cheer body in din. Soy Tasan to the jingle dunan to young.

SPEAKER_00 11:11

A don't let two the booff and go to hai sautri food done the boof and sound in pound out that bitching is nice and the si some pinchi food.

SPEAKER_04 11:30

Oh, ho ya hoyah below so holo. You cannot summon your e teacher. No a ching one young way. Lugo niche and youth, new changing some chia. Pink chin. Sima ten tang laughing poet to young machine chin to shoa. Who's my poet inch and changing jan china?

SPEAKER_00 12:00

Uh my chico at me. Hop gum pin.

SPEAKER_04 12:09

Now inch and changing jan chim. Tat a chanti si need a shinzi ya doinsa. Oh so each other bio sean, toujo your ilan, hasamiche so eh ni do go go sit each in way, nido was a ter sho type, neither shinzi chis a second as e young sain sita home haiyo haio uga shuen shiang, uga shen yangoso, nisisui ter shoompan bo show tandem. Not in what she chia than si shin cuku one like chemis go, just as a go shu and ta each with the you shin to whole bow tall. Now whom minute uga chia be sean or ta si san toujo eating your chew dark go. Now hunto laugo current, uh watching watching turbia shoa, so she's meal dwindsaw your go to the sham pupeta.

SPEAKER_00 13:23

Ah do it. That's a poof woman does a win and goma. Sidasia's macoma. Me or two, meo to meot.

SPEAKER_01 13:40

Oh, to go to botanway. Eating out.

SPEAKER_00 14:07

So yeah, tin so epandurance than we touch your boy to be bang, taught the young gong so found me and bichao quant quanta is a chuli can go shima.

SPEAKER_04 14:19

Cheap and some putn so quanta moon chan change in the quaitin' so you shouldn't sang Tapu Chita Mosh.

SPEAKER_00 14:52

Not so the gong sit on the train ya.

SPEAKER_04 15:10

Lugosit puton si go, maha. Don't choose women say logon chinchia quit the meal tea, just puton some binja in here, meo to go sensitive in the hug. I don't know how many high so high secret din your lao bow the sam binchi foo, ca see dog then don't have the con si ja chas but go the wha night your your co to chip too. Not to sit lao bama. Now low was it puton, low as it's yet high.

SPEAKER_01 15:51

So it has just food how to sang uh the uh song here. But to both go to your dai boot.

SPEAKER_04 16:08

Now this sang is a bypens. Uh so what you how championship gun eye feat. Now you so hanami doubt the na look the eye chingwans ya tong ekai sita e tin can we sense how as we chintan i su either go an di white logong, it cai chinchia, it in si soin toshua, pinchiara, si chia ha uh inway the logong chin high tea. Luo si eye the hwa haio di either pinchia in now chis it took a hen song ya in jo si lao bau yeha, tizai bau chang yeha, hai kentong ya the chi cry, tachu with a sin and chifu. It took a sin and chiefu ta bo si e di eye toujo ten sender. Two fe it kai sata chetu found the boofen, a chetu found to go, her minchui. So it has it it chu cho chincho sin and chifu. Ca si I ten beachin tatu sent it the inchan tata, send out so in shant tautata, conto nan di, to n songsu chimpin conzo who is ufa conso. Soi u chien e then go chin chia cho shen chin chia. Naho chin chia cho shan gang tita the di pinchia. Now home me haio sayo do tin she ma. Na look of younger has it ufa where there some pant down and just put in to tile the kai gong si ma tangian hoo ta foo her sine chi fo the yao qin.

SPEAKER_01 18:49

That's a ho chi tango sen ta e pan to sin chi fo me to me lenting the fang fang.

SPEAKER_04 18:58

Oh, it's a timu tai tai tai. Fangway tao chi guang putong the eye zang your putong the lent in the fang sio ko chang aye hen san chien is a ko chang at the went uh you thousand tea can sit out yin bu so hunten and chi so huang oo to sio to siu to foo her nan ho higher di ruso cana yo she sana or she sent to go chien om the lap about sina to it she send it tang chi she sun girtain e joke china. Oh Tanju me or great in higher than ban nin ta su the sun chisito great in ya tambani sang or su ho banin. Now look the eye ho in guesso look was she send the wha. It's eight in tang chi she send uh go ten joke chin.

SPEAKER_01 20:08

Lau la.

SPEAKER_04 20:11

Senti the gong and ta e jinfu her sin and qi food yao qian ta joke chin channel.

SPEAKER_01 20:18

Gong and the uh sin and the chi food uh do young.

SPEAKER_04 20:28

Now Lugo Sikango Chi the Ko Chang Isa at the answer di chi chi si by cistian. Now Lugo Chi accident Dioshi with a gun go, Joe tell D C the Chi by Sis Tian. Lugo Toba Shin just the sang one the whole Dios, Chis one.

SPEAKER_01 20:50

So it had just gunju uh just tobow the T Ju that Sanha Ti Foun Su.

SPEAKER_00 20:56

Chi Santa Sango Tingo Ishi Tong Ye Bowser the Lizu Tongsu Takanus Yo Chi Lassang goes and down zone push and soon le Sanga Taifang Bang. Si Yaojo put down the way who ta cheese out and bowser hand dial me sound the yo send the chin shing or shanti gong si you do yo chin diesel in the hand door.

SPEAKER_04 22:00

Subsit ye bin. Oh you dent to her di chi by cistian. Tant ta topicia chi areo the young and ye sang. Oh and so on the lao bow young to sham mu your suggamo yeah where your put on the tia cheese and the greating.

SPEAKER_00 22:44

So you hand do and cheese some ban sound the hand ho tensito puts it out your lao bow, you hand dou cage and chitaboo first.

SPEAKER_04 24:00

So it's such uh so bauchin the shin to chip and sang Mu Chen Taiwan just ba chan san ten coin baha ko to how look or two yen to sant that young bama chifu in tizi or homing high also at the man foin qi so it help put the eating out two yen now women jo tan do jang lao bow the sampin chifu dio so do I di it si ta chu fang ta two yen so su u tien two u tienma call to their chan senten sill has sent ya young tin about you get young tin. Cause homing case tao to fanghuario just a ta mitzito huariao doun tin santin the anti homicin. Cause it meats don't mean to go sant. Hm what you eat out with an e si fe at an chin. Now don't see an one chin puts it down has so do mats dot zo the anti sentien whole choke and so the tongue tongue toss cage. In way now about you tatsu can't me take a cheapen or e white me e kai si you'll call their chin santien. Now how mean the two yuan just as in way tongue ein whom in touch a boy called so easy eh si one with some each ion why two number the antian sentient how when you put it out cim. So eat out the ankle and sit young now choken has all mech out isn't bunny so the two yen chi chan talk shin to jo hard. Oh the buy each in the turn to champ that pointer it's okay china. Sweet you are so uh send you food the wha uh picture wrong e or beacon me in the national sending a put tie your meal only some in your meal only chi wangui la woman see how you put the fun chi law about the sand chi ha nothing to tea about jungle congruent so we put on each chin. Put it out where your milk chi law championship and to your hunt to be a great inch bow shen shall he teach hot the in name you so Piroso was shenai or shan't di Iceland Yen Tong Tang Nelpin. So it will mean about you gongs di chi how not the law about your tiny way chong twenty not to ho or the law about chong twan. So launning chief tab ni put I Sanger not Johe Linda launch shouldn't chi sang go. Sung go just eating the just shouldn't hire it song just Iola so you need a lao baujoh shall e why hunched or shall it sound the logon baution tarian each like in the Chi D I so or gang chirioso yan on the tongue pin. A tongue toping father chin tiens or beach we are she send up her no you head to how she said a little she sang chemin the tongue pin. Can't go to chien she's a tangio ingoan she rang or each in li kai gong si or the law about twenty hour done why chinch is one ingo guan she sees a guan she can't see and it was a cheese and chemical tongue being touched your ingo a guanci. I don't put this soon pin yes to be your doubt more chi putn to touch your bichy out. Cause it quampoha Shango Anchor and the sio ta meo I didn't doubt in cheafo. So it has a certain dance on the should sang guru.

SPEAKER_00 29:30

Mm junk chief tints the whole Indian topic.

SPEAKER_04 33:39

So it's a child now ho say bow sender your chongsu gong to your hot si baucha. Now way like sender Twan Bien Tai Tat Sanji D this Kaita.

SPEAKER_01 34:06

No choose gang so you like and that's gory and do gongs I gong so it hikes out she ho the cheese on how to send one in guys has a food lava high second food gong to whole chap bouts may or one tea now whole shoe cheap food.

SPEAKER_04 35:21

Nah to see so much so taunted cool how to change hand song youth. Meo two yen ni choong song q ni the shin to tapicious equipment not tighten such in beyond tongue sheep. In way tongue woman the Taipa it just eat by each in each in to the hole to the work, tita, how tachu for your dwelling saw la chien tana tida chin points and food shinten so I don't say the pull and control the boof and tzita baution has shinten igasham to yen qian the ciao ho bootsu. It tends each and uh now can the sampling food can the tzizai some bingy food call their chan sanbupe football hand jahu bim fang gurdy bim fang. Now it tends each and uh duan su some mayo mean su and qian should and kanhu. Now to hunto carry ten duan sugar ancient both and it's a chang e changer cheese or changing you got zong tain some ban to don't cheat home. So it's like a sea woman chimney meal tea so you just hand zong young to see a chin.