活得越久醫療越貴！從外溢保單到遞延實支實付，打造百歲健康資產｜生病藥錢 S2 EP10

過去我們常認為，買保險就是「防患未然」——出了意外或生了大病，向保險公司申請理賠。然而，隨著醫療科技進步與超高齡社會來臨，我們面臨的現實是：活得更久、自費項目更多，且許多疾病已從短打戰變成了十幾二十年的馬拉松抗戰。
當長壽變成一種風險，保險業也正經歷一場寧靜革命。保險公司不再只是在你倒下時給付理賠金，而是開始思考：「除了理賠，我們還能為保戶的健康再做些什麼？」
本集《生病藥錢》特別邀請到南山人壽健康與市場發展部王保勲資深協理，帶大家從臨床與產業的雙重視角，重新拆解超高齡時代下的健康資產新藍圖。 

本集重點：
📌外溢保單 2.0：從「紅字拒賠」到「陪伴健康」
📌實支實付改版衝擊？認識新型態「遞延型實支實付」
📌保單如何配置？不同年齡層的「三先原則」
📌搭配安養信託，為老後財產雙重上鎖

《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/pills__n__bills/

Transcript

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SPEAKER_01 1:30

So you can see unclear dodge hang here and hoy and go to go on the easiest yan. Saying the Baushian the something the search yeah, such that and the eagle giant, and uncle Tiko is here, can't faggot.

SPEAKER_00 1:42

So Jing Gaussing, Nungai Umza Iria, Yura Angui Umza Hando J Mu Yo Hando Tusu, Lugo Mio Baushi. Nah, send the same jo one done. Now Casi Taiwan code to Jodo Kaisakai Pier Ju La Ren Hando, Casin Yu S. Now Boshan Gonsi Tian, search Taiwan way I just say eat our G one Tina.

SPEAKER_01 2:13

Two woman cheese can eagle eat out the sheet can eagle something searched the eager to like can. Time eating to Tamil Bowsian Samping, you said so easier on Sangau, who is a G to D being the herb of the Fan Khan. Tiso mentioned my manager, Josen the Eagle Guan, who's in your home. Yes, I go senior, union, need weights, need the Hong Bia. Since your eating junking, that's awesome about you and goes to be justified and go chair with the job too.

SPEAKER_00 3:08

So you can go to the bang goes bang or chi.

SPEAKER_01 3:40

Not time as a child found any sink of my ice, then you can bow and go each weight down to send the egg and count switching the jiwa. Rugound science home each and fashion in the chin that's suited on how the Nakai Kai found is something, Nung Tigon Kau like. Now you take a tea on Bahu, you can count switching the Kanye. My man the Kram Bauch and Gong's giant way eager gentleman the job to like thirty.

SPEAKER_03 4:17

Now say AI the Gong Chi Liling the Hope Dows, do you gons you some young legal javelin?

SPEAKER_01 4:46

Then tasks with Beljon something. Now we like this AI to G to the ho or shall I had the Bowser and something she's Mamma Mamma yourself, so I be used on the search that she bounced something down to the Tiancoun two Y Bow Daniel. Now Messibus and go a diet holding someone that you being holds a certain e some hot yang fab in the deep being so easier, curz hard easier searchy. So who is so well about the center be jelly or coach eat out?

SPEAKER_03 5:29

Linci B J Machin to also chin about certificate women and son joy that is who you guys coaching the guy.

SPEAKER_01 5:57

So Moquasian so this is Yugoni that I send to ching beach out, in uncle to go changing switching the issue in Lany the Dice Holding the Isai Gwanjians suit the conjure and the connection on Tanya being shield guys won't sing and the mobile, not too bad and go to the oozing the white. That's a shen each and such, I die, then you hold the go to Nicolai, you don't eat other fail, Nicole Batian and Chan song. So you woman yes, without talking so it's chien now. So I woman waiting the shian qi ban woman, the Xian Kong Lun may the Janzo, but Gui sum in the easiest galling the Jingian home of Fen Xiao. Not Sentia should do it, she just sweet hostang. That she is the sweet host he goes for the bow. Not just not usually food as a king how the so that's uh you wait changes or tail to use this food, guys and out the dancing. Just who does any food is on dial that how long so uh the bow go young down sends a true and chicken high temp. Anyway, which I was tight and eating the whole dancing, just a pouching hospital. That's your easiest thing fanciful as woman potion that changed your chat. Uh Dana would just eat, you go your turn no the time out to woman just get up by who the event took and tea bow and uh jinggy and fancy a kind of fashion so that is your eating you enter some thousands and high tang boot, bounci and shoes on the whole. Now look at the paid fanway put on the country, or beach, can't sound cheese to Bahu Hong How. That's a song she shall like the Lugo Function Mayo Gran Kong How to How that's a Bausha and the Jesus, quite out. That's a woman's hand event, can away in shan tea about the eager chain. So it would high tempu young how the epoch house and the guy bean. Uh you see also the guy bulu source eager teachers sound the eager show zumba. No make young great one thing the ying to a whole young diat Balsian cons young. Young she jinging, things had done put on the don't go by the true. Then she's a bow and cause the chanty jinxing words is maybe hot. You can see why you go, Balsian, so it highs the lion. Another word chicken and source of the food in chair, so can I go baby one bump food and a harm on befide? So you're do a to song to it. So you should go your line your sense, not just your leader and not easy. So you'll bats on the eagle eager function, fentanyl eager jal do like. No, just uh eager to zong. Now down yen go fishing each anyway, dar su fat pool or dar zong, jenty balsan yet the eager chitna. Then way a bishop's the janitor easy like Bausia and yet is a lower down by eager girl, not his just a link down eat. Ling her eat the cheapy. So it was all woman, Baussian ruhan and go young ta so father, bounce to dark and do, then tons down, girl be the judging fashion, ling her eat at on being hot as a woman and go get you down to the bow jung can buzu can leave.

SPEAKER_03 15:22

It's a bully like the hand door the nature like in say one that fenchant tam wage tam about time. That's a teacher yeo, hand door means goma fenching.

SPEAKER_01 16:19

Now she waiting out with your point, so uh you bought your young haught that she's a bow's button, the easy tongue laid out. So is a woman that eat out the hotchi puton. Now this is Bowdan the page and the Pussy Boop as the eager don't hide the greyhoa. So would you go mingle, your guys in the Timo, would you think that you and Sugan Buchan? Nothing like that, can't I cheat out the can do eat bind the mingle hoy away? So it's all can go why they say something, the song horses in the samping. That's a woman choosing your chances the younger is here to lead to something, that's why I see the surge. Don't be channel bow and the search can do it at each hung, don't dad the being a hot eat on the in siang. No matches kind of puts out the bow who is down eating two fat in the ching on the so canon, that on the shall hang out. Just gonna like those chamber. Then you may or tiny call my bow and so you put on the zone like the greenhouse, young, no, you took a yeah, the fair. So you were saying in case two or tensor. Who young tar pay at two quite under so you eat the ching nungos you? Just a dear just your bidding eat down young down something to go. I have a go by bottom. Oh, we'll pay my bottom so you are young how young. That's a little wall. That's all this in Nation Welling with two hot and bottles or my push out don't you understand. We are two dinner pay. Was she on food to the ball fee? Yes, you can bounce to doubt easy at center and she out of it. That do what the shell is bound to water. That way, she on so with a Tian County. I said no beautifully, we like so or managers in quite five and so I see my man by T and Count Downs and Yagoma. I both body pay down to eager tomorrow. Taiwan's a bean now when the booty and count you mean face on town. Then it's a kind of good on cesium, so it's only so good. Now maybe some eager answer. Now, but easy new way the yumpet is here, Guihua, Juan Santo Guihua. No, you too is easier guan and the job be so meant to where I so bought you and consumed machine and go tea on the easier two jinxes that do, then go down in zon, can guan two uh way and go two put the buttons easier farming the Yens Ying Fabing the or machine uncle uh we are doubting the zone.

SPEAKER_03 21:03

No, she's strong from the jelly choose, in way e who e who be pian. Now also it's an e away like that so super fan coming to the function changing now.

SPEAKER_01 21:55

That's just a two box and conceal changing the link. You can sing and see how people go. The eagle suit and got the turn. Now what you can eat young each and be so that you are what is your easier so with the hot at the failure of Pingu that looked easy the so su what easy the easy does an usual well I was easy so the dental has so was easy so the suggestion hoffen to the other suggestion I hope and so eat and detain the surgeon or dishes young that woman ping me or changing so it's a well shall gun to an Yao Chongfun the go tong Ho Chi Chiang washing searchy house. Now Jugo Chang the Moss is Diga Jingo Gian Day, I mean John Camping Quenan, at the Ho Sjang Town, the Ho Juan the Susan Tango and the east book, not Tongsengo the Founding Zongo Yo How the Eagle Depay the Eagle Jingle uh Bootsu, no Jesuit. Now Chang Why Igot and just I eat out. Not eating fast and sang one that is your function, so maybe a white dance, yes, what is easy or dieting so and a hope who do you eat bandic about yin sha. So may you pay her to Ganji Guanko Ba Shang is a great fan, great uh can thing e on the top becoming chats ho. Now some possible eating hoy fit on si on and go that way like the eat out of the cheese against that basic shall gave the chance.

SPEAKER_00 24:09

Now senses this way. Now maybe I want to yield so near that booty and bow then. Doddy shenanigans about that, in a boost young.

SPEAKER_01 24:39

You can add the soul to your titles or uh that's my toes in the ball down. That's just a time do eating your child on the face on how the eager soul sends the food eagle, the John Taicha, Tammy Hayao go by Baussian. This is anyway, Tama who is a Bausion, transit the mood is around toads may hold the such an eager. That's a center say put on the hoy or his great white so machine. I can't doubt and do what the thing sweets. How put on each deep? Oh, nothing. Does it be puts it out so too rano? Your eagles on the EY or the zipping the sound is so sang fast and the social fan of Panda beats. So it's what I doubt the buzzword, way like the tongue water, so then yang, eating yao sien jang song water function changed auto. What's the buchi? Song is a being good, two father chipping. Just yao is here sit down the balsan. Young shall booth and the easiest function. Now you the chicken trip about the drunk two and fasteners hold in the song who puts you on Jason. Not zero two how the eager greyhour, or my tiny ancient, that's just eager. Nothing like just paid to the woman about him. Now woman is not by sway, Jansen, equal by sway. She's doing the Jensen. Woman can be two one at the whole Nican Huangso, Nican Without your put on the Gongsian, and Nican Iang Hoy out, put on the lingui. That's a chance eager to young hot Jensen the woman, the Shucho. That's a each one Yo Shen the Ching Hong Shia, Ocean Fench and the S woman, Shen Cho Yo, Tai Chou Hao. Uh Shen Cho Chin, Tai Chu. Shen Bao Da Tai Bao Shall the Yan. No cho the each page, the Jung just Hunter Sing Shen County So the Ching. Just Shen Yi when Tinker and Taiwan Biao, Yoshen Put Chibua, E white about. But the so in the Kaiser Bianzo. Nican Tonks meaning the found di uh sign of foam. No to the chulua, you embed you eating your easy to eat out of pages why a game guy puts the beautiful social difazion function asso. Or do you choose why the son who will be output on dwelling?

SPEAKER_02 28:17

Mm-hmm.

SPEAKER_01 28:33

Don't hide the change and do it the whole thing, you know. Is here twisting the social deeping the hobby sound suits the chance out the greyhoa, whose woman's jewel could see has a guan to gowling e the other uh is a certi weight la hold he go eager your and the giant eager song. What you that is two eagle bottom, those without a woman and go your zen y and the songhood and the bow and the tons of easy and the way to send cities and the bottom shielding city and tala. So is that way like eat out the thing put the so yes, trade women the ting chong, yes in a sand out union and he clean to any sense that changes about that large kinds, and the girl about the chicken, and you can send out onion in the songhouse. So it's eat bent the ting zong who eight bow and consequences eat yeah, one chan last and how high eating the judy. So it was also onehow do like chill to team. Uh not bowsian goes on and woman each and the woman, the gin counts the cool. The Balcom Bowsian here the diabe, woman jujitsai, like how lean. Now Jan to the putting into the Bosch Jia. I should send the Jo Gowling the Eti woman you easier to the E N are your easen, your shit and go na ru. No child model sans go large in Bausin Gonzican e out the gap. So woman sent the design on the singing, women you say yen to the yen, woman you see a chance the do you wise away, progress Tian count e how chango e t how the easiest. Now you put in the so well in the sound pin that put on as an e jun the guan to doubt where I saw the child e t now to the large in child egg gaps. Don't ya and some woman is hung the song code eager on tight as hold to women send the PNC and Kangama. Put it in the being of just being the whole done. So like to use Hanson Horshi Gwan. An ego so maybe so maybe I can change out the booting ear or file even the two young. So it's being the bow and goes or men uncle pipe sung hours in high issue. Sung Horsing issue, now some the east the eager child, certain jeeping the changing, the young dipping the show egg, my pian country and bang too woman the bau each and eagle how the song was. That's a season to hold two go on thousand the haunting city. Now Bauch and Gonzalo, the ego be a house woman, you'll be out each go. Women be out of the hurt and your suji, or man go the tea min to zen chwan. Now he su woman the easier chang ice or just eager. Oh my faith on to the year, but you and that he does a galling hot so me is the agency. My man the Tongso about that. My pinch and tie and joining Thailand Gowling Hotel Soy down to your easier food. Now, which much super agents is eager agent society, just how gowing so machine is each in super agent. Then Thomas Gowling Sir Hoy the each year we are. That's a food to child the soul fashion you can do system high doll. So you woman the moon beyond she won and go the deed, and he gonna do it at Jin Kung Fu. Now we took eager beach, Jiang Han Jalli the Jose, a diet, eating Liji woman, women to Chin Khan Jalia, woman put in Chi Dai Soman put eat out the shiway, that sends the gentleman has without you and that woman key pay tong bau, side and woman who.