{"id":21561,"date":"2026-02-10T03:27:00","date_gmt":"2026-02-10T03:27:00","guid":{"rendered":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/"},"modified":"2026-02-10T03:27:00","modified_gmt":"2026-02-10T03:27:00","slug":"%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2","status":"publish","type":"post","link":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/","title":{"rendered":"\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 “\u5343\u4f01\u5343\u9762”\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9"},"content":{"rendered":"

\u6df1\u5733<\/span>2026\u5e742\u670810\u65e5<\/span> \/\u7f8e\u901a\u793e\/ — \u968f\u7740\u6211\u56fd\u6b65\u5165\u9ad8\u8d28\u91cf\u53d1\u5c55\u9636\u6bb5\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u4ece\u4e00\u9879”\u884c\u653f\u6210\u672c”\uff0c\u8f6c\u53d8\u4e3a\u5173\u4e4e\u4eba\u624d\u7ade\u4e89\u4e0e\u7ec4\u7ec7\u53d1\u5c55\u7684”\u6218\u7565\u6295\u8d44”\uff0c\u5e76\u8fce\u6765\u5386\u53f2\u6027\u53d1\u5c55\u673a\u9047\u3002<\/p>\n

\u65e5\u524d\uff0c\u62db\u5546\u4fe1\u8bfa\u4eba\u5bff\u4fdd\u9669\u6709\u9650\u516c\u53f8\uff08\u4ee5\u4e0b\u7b80\u79f0”\u62db\u5546\u4fe1\u8bfa”\uff09\u643a\u624b\u65b0\u534e\u793e\u65d7\u4e0b\u7ecf\u6d4e\u53c2\u8003\u62a5\/\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\uff08\u4ee5\u4e0b\u7b80\u79f0”\u65b0\u534e\u5065\u5eb7”\uff09\u53d1\u5e03\u7684\u300a2025\u4e2d\u56fd\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u53d1\u5c55\u767d\u76ae\u4e66\u300b\uff08\u4ee5\u4e0b\u7b80\u79f0”\u767d\u76ae\u4e66”\uff09\u63ed\u793a\u4e86\u8fd9\u4e00\u5173\u952e\u8f6c\u53d8\uff0c \u5e76\u8ba4\u4e3a\u884c\u4e1a\u5df2\u8fdb\u5165”\u5782\u76f4\u5316\u3001\u7cbe\u51c6\u5316”\u6df1\u8015\u671f\uff0c”\u5343\u4f01\u5343\u9762”\u7684\u5dee\u5f02\u5316\u89e3\u51b3\u65b9\u6848\u81f3\u5173\u91cd\u8981\u3002<\/p>\n

\u767d\u76ae\u4e66\u7531\u56fd\u5bb6\u536b\u5065\u59d4\u536b\u751f\u53d1\u5c55\u7814\u7a76\u4e2d\u5fc3\u3001\u590d\u65e6\u5927\u5b66\u3001\u5357\u5f00\u5927\u5b66\u7684\u6743\u5a01\u4e13\u5bb6\u5171\u540c\u6307\u5bfc\u7f16\u5199\uff0c\u4e3b\u8981\u805a\u7126\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u7684\u5efa\u8bbe\u73b0\u72b6\u4e0e\u53d1\u5c55\u8d8b\u52bf\u3002<\/p>\n

\n

<\/a><\/p>\n<\/div>\n

\u8c03\u7814\u6837\u672c\uff1a\u4ece\u5168\u7403\u5458\u5de5\u5230\u672c\u571f\u4f01\u4e1a<\/p>\n

\u4f5c\u4e3a\u4e13\u4e1a\u7684\u5927\u5065\u5eb7\u89e3\u51b3\u65b9\u6848\u4f9b\u5e94\u5546\uff0c\u62db\u5546\u4fe1\u8bfa\u957f\u671f\u81f4\u529b\u4e8e\u6df1\u5165\u7814\u7a76\u3001\u63a2\u7d22\u5e76\u52a9\u529b\u89e3\u51b3\u4eba\u4eec\u7684\u5065\u5eb7\u95ee\u9898\u3002\u81ea2019\u5e74\u8d77\uff0c\u62db\u5546\u4fe1\u8bfa\u57fa\u4e8e\u80a1\u4e1cCigna\u8986\u76d6\u5168\u740326\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u7684\u8c03\u7814\u6570\u636e\uff0c\u5df2\u8fde\u7eed\u7b2c\u516b\u5e74\u53d1\u5e03\u4e2d\u56fd\u5065\u5eb7\u6307\u6570\u7cfb\u5217\u76f8\u5173\u62a5\u544a\u3002<\/p>\n

\u767d\u76ae\u4e66\u6df1\u5ea6\u5256\u6790\u4e86\u4e2d\u56fd\u5185\u5730\u4f01\u4e1a\u5458\u5de5\u5728\u6d3b\u529b\u3001\u97e7\u6027\u3001\u5065\u5eb7\u73b0\u72b6\u53ca\u798f\u5229\u504f\u597d\u7b49\u7ef4\u5ea6\u7684\u8868\u73b0\uff0c\u5e76\u4e0e\u5168\u7403\u5e73\u5747\u6c34\u5e73\u8fdb\u884c\u5bf9\u6bd4\uff0c\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u5efa\u8bbe\u63d0\u4f9b\u91cf\u5316\u53c2\u8003\u8981\u7d20\u3002\u8c03\u7814\u53d1\u73b0\uff0c\u4e2d\u56fd\u4f01\u4e1a\u5458\u5de5\u5448\u73b0”\u9ad8\u6d3b\u529b\u3001\u4f4e\u5065\u5eb7\u3001\u5f31\u652f\u6301\u3001\u5f3a\u9700\u6c42\u3001\u9ad8\u63a5\u7eb3”\u7684\u9c9c\u660e\u7279\u5f81\u3002\u4e0e\u5168\u7403\u5458\u5de5\u66f4\u770b\u91cd\u8eab\u4f53\u5065\u5eb7\u4e0d\u540c\uff0c\u4e2d\u56fd\u5458\u5de5\u5bf9\u5fc3\u7406\u5065\u5eb7\u7684\u9700\u6c42\u66f4\u4e3a\u8feb\u5207\uff0c\u4f46\u4e13\u4e1a\u670d\u52a1\u7684\u53ef\u53ca\u6027\u4e0e\u4f7f\u7528\u7387\u5904\u4e8e\u4f4e\u6c34\u5e73\u3002<\/p>\n

2025\u5e74\uff0c\u62db\u5546\u4fe1\u8bfa\u8054\u5408\u7f8e\u4e16\uff08Mercer\uff09\u7b49\u5168\u7403\u77e5\u540d\u4eba\u529b\u8d44\u6e90\u54a8\u8be2\u673a\u6784\uff0c\u5c06\u89c6\u91ce\u6295\u5411\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u4e2d\u575a\u529b\u91cf\u2014\u2014\u4f01\u4e1a\uff0c\u53d1\u8d77\u4e86\u4e00\u9879\u89c4\u6a21\u5316\u7684\u4e13\u9879\u8c03\u7814\u3002\u8be5\u8c03\u7814\u8986\u76d6\u4e86\u8d85\u8fc71000\u540d\u6765\u81ea\u4e0d\u540c\u884c\u4e1a\u7684\u5728\u804c\u5458\u5de5\uff0c\u4ee5\u53ca\u8fd1150\u5bb6\u4f01\u4e1a\u7684\u4f01\u4e1a\u4e3b\u3001\u4eba\u529b\u8d44\u6e90\u8d1f\u8d23\u4eba\u53ca\u6838\u5fc3\u51b3\u7b56\u8005\uff0c\u4ece\u7ec4\u7ec7\u7ba1\u7406\u4e0e\u5458\u5de5\u4f53\u9a8c\u7684\u53cc\u91cd\u89c6\u89d2\uff0c\u7cfb\u7edf\u6027\u5730\u6536\u96c6\u5e76\u5206\u6790\u4e86\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u9886\u57df\u7684\u6838\u5fc3\u6570\u636e\u3002<\/p>\n

\u8c03\u7814\u663e\u793a\uff0c\u4f01\u4e1a\u51b3\u7b56\u8005\u4e2d\uff0c78%\u7684\u4eba\u8ba4\u4e3a\u5438\u5f15\u3001\u6fc0\u52b1\u548c\u4fdd\u7559\u4eba\u624d\uff0c\u662f\u4f01\u4e1a\u63d0\u4f9b\u56e2\u4f53\u5546\u4e1a\u4fdd\u9669\u7684\u4e3b\u8981\u76ee\u7684\uff1b\u4f01\u4e1a\u4e3a\u5458\u5de5\u63d0\u4f9b\u5065\u5eb7\u4fdd\u969c\u65f6\u7684\u4e3b\u8981\u75db\u70b9\u5728\u4e8e\uff0c\u9884\u7b97\u548c\u6210\u672c\u538b\u529b\u5927\u3001\u7f3a\u4e4f\u4e2a\u6027\u5316\u65b9\u6848\u3001\u75be\u75c5\u9884\u9632\u548c\u6162\u75c5\u7ba1\u7406\u96be\u5ea6\u5927\uff1b\u4f01\u4e1a\u9009\u62e9\u9ad8\u7aef\u533b\u7597\u4fdd\u9669\u65f6\uff0c\u6700\u5173\u6ce8\u533b\u7597\u573a\u666f\u3001\u533b\u7597\u8d44\u6e90\u548c\u4ea7\u54c1\u4ef7\u683c\u3002<\/p>\n

\u9488\u5bf9\u4f01\u4e1a\u5458\u5de5\u7684\u8c03\u7814\u5219\u53d1\u73b0\uff0c\u8d85\u4e03\u6210\u53d7\u8bbf\u8005\u8ba4\u4e3a\uff0c\u5065\u5eb7\u798f\u5229\u5bf9\u9009\u62e9\u96c7\u4e3b\u6709\u5f71\u54cd\uff1b\u8d85\u4e94\u6210\u53d7\u8bbf\u8005\u5bf9\u4f01\u4e1a\u5065\u5eb7\u7ba1\u7406\u798f\u5229\u6ee1\u610f\uff0c\u62e5\u6709\u56e2\u4f53\u5546\u4e1a\u4fdd\u9669\u7684\u5458\u5de5\u5bf9\u4f01\u4e1a\u798f\u5229\u8868\u73b0\u51fa\u66f4\u6ee1\u610f\u7684\u6001\u5ea6\uff1b\u800c\u5458\u5de5\u6700\u671f\u5f85\u4f01\u4e1a\u52a0\u5f3a\u7684\u5065\u5eb7\u7ba1\u7406\u9879\u76ee\uff0c\u4f9d\u6b21\u4e3a”\u5e74\u5ea6\u4f53\u68c0””\u5bb6\u5c5e\u4fdd\u969c””\u5728\u7ebf\u95ee\u8bca\/\u89c6\u9891\u95ee\u8bca””\u804c\u573a\u5fc3\u7406\u5065\u5eb7\u9632\u62a4”\u7b49\u3002<\/p>\n

“\u8fd9\u4e9b\u6570\u636e\u65e2\u6307\u51fa\u4e86\u5f53\u524d\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u7684\u5173\u952e\u7f3a\u53e3\uff0c\u4e5f\u4e3a\u540e\u7eed\u4f01\u4e1a\u7ed3\u5408\u6d77\u5916\u7ecf\u9a8c\u3001\u6784\u5efa\u672c\u571f\u5316\u5065\u5eb7\u4fdd\u969c\u6a21\u5f0f\u63d0\u4f9b\u4e86\u660e\u786e\u7684\u6570\u636e\u951a\u70b9\u3002”\u56fd\u5bb6\u536b\u5065\u59d4\u536b\u751f\u53d1\u5c55\u7814\u7a76\u4e2d\u5fc3\u7814\u7a76\u5458\u3001\u5065\u5eb7\u7ecf\u6d4e\u4e0e\u4fdd\u969c\u7814\u7a76\u90e8\u526f\u90e8\u957f\u90dd\u6653\u5b81\u8bc4\u4ef7\u8bf4\u3002<\/p>\n

\u5357\u5f00\u5927\u5b66\u536b\u751f\u7ecf\u6d4e\u4e0e\u533b\u7597\u4fdd\u969c\u7814\u7a76\u4e2d\u5fc3\u4e3b\u4efb\u6731\u94ed\u6765\u6559\u6388\u5219\u8868\u793a\uff0c\u4e2d\u56fd\u5546\u4e1a\u5065\u5eb7\u4fdd\u9669\u6b63\u5904\u4e8e\u89c4\u6a21\u589e\u957f\u7684\u5173\u952e\u62d0\u70b9\uff0c\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u6539\u9769\u662f\u89e3\u51b3\u5f53\u524d\u56f0\u5883\u7684\u91cd\u8981\u7a81\u7834\u53e3\u3002”\u5efa\u8bae\u660e\u786e\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u7684\u5236\u5ea6\u5b9a\u4f4d\uff0c\u4f18\u5316\u8d22\u7a0e\u6fc0\u52b1\u653f\u7b56\uff0c\u5e76\u5efa\u7acb\u6807\u51c6\u5316\u4ea7\u54c1\u4f53\u7cfb\uff1b\u4fdd\u9669\u884c\u4e1a\u5f00\u53d1\u5206\u5c42\u5206\u7c7b\u7684\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u4ea7\u54c1\uff1b\u642d\u5efa\u516c\u5171\u6570\u636e\u548c\u5065\u5eb7\u4fdd\u9669\u4ea4\u6613\u5e73\u53f0\uff0c\u63d0\u9ad8\u5e02\u573a\u670d\u52a1\u6548\u7387\u3001\u964d\u4f4e\u4fdd\u9669\u7ecf\u8425\u6210\u672c”\u3002<\/p>\n

\u6838\u5fc3\u53d1\u73b0\uff1a\u4ece”\u884c\u653f\u6210\u672c”\u5230”\u6218\u7565\u8d44\u4ea7”<\/p>\n

\u968f\u7740\u4eba\u53e3\u8001\u9f84\u5316\u52a0\u5267\u3001\u6162\u6027\u75c5\u8d1f\u62c5\u52a0\u91cd\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u4ece\u8f85\u52a9\u6027\u798f\u5229\u5347\u7ea7\u4e3a”\u6295\u8d44\u4e8e\u4eba”\u7684\u6218\u7565\u8d44\u4ea7\uff0c\u6210\u4e3a\u8fde\u63a5\u56fd\u5bb6\u533b\u7597\u4fdd\u969c\u4e0e\u4e2a\u4eba\u5065\u5eb7\u9700\u6c42\u7684\u91cd\u8981\u6865\u6881\u3002<\/p>\n

\u767d\u76ae\u4e66\u8ba4\u4e3a\uff0c\u4eba\u53e3\u8001\u9f84\u5316\u4e0e\u5ef6\u8fdf\u9000\u4f11\u7684\u8d8b\u52bf\uff0c\u6b63\u5728\u91cd\u5851\u804c\u573a\u7684\u5e74\u9f84\u7ed3\u6784\uff1b\u65b0\u751f\u4ee3\u804c\u573a\u4eba\u7fa4\u5bf9\u5fc3\u7406\u5065\u5eb7\u4e0e\u5de5\u4f5c\u4f53\u9a8c\u7684\u8ffd\u6c42\uff0c\u4e5f\u5728\u5012\u903c\u7ba1\u7406\u6a21\u5f0f\u7684\u9769\u65b0\uff1b\u533b\u4fdd\u63a7\u8d39\u7684\u73b0\u5b9e\u538b\u529b\uff0c\u5219\u8ba9\u4f01\u4e1a\u548c\u5458\u5de5\u540c\u65f6\u9762\u4e34”\u5065\u5eb7\u9700\u6c42\u5347\u7ea7”\u4e0e”\u652f\u4ed8\u4f53\u7cfb\u91cd\u6784”\u7684\u53cc\u91cd\u6311\u6218\u3002<\/p>\n

\u767d\u76ae\u4e66\u5f3a\u8c03\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u5b8c\u6210\u4ece”\u884c\u653f\u6210\u672c”\u5411”\u6218\u7565\u6295\u8d44”\u7684\u5b9a\u6027\u8f6c\u53d8\u3002\u8fd9\u4e00\u8f6c\u53d8\u5177\u4f53\u8868\u73b0\u5728\uff1a\u4eba\u624d\u6fc0\u52b1\u2014\u2014\u5c06\u4e00\u5b9a\u73b0\u91d1\u6536\u5165\u8f6c\u5316\u4e3a\u9ad8\u7aef\u533b\u7597\u798f\u5229\uff0c\u80fd\u4e3a\u6838\u5fc3\u4eba\u624d\u5e26\u6765\u66f4\u5f3a\u7684\u611f\u77e5\u5ea6\u4e0e\u83b7\u5f97\u611f\uff0c\u6027\u4ef7\u6bd4\u8fdc\u8d85\u7a0e\u540e\u73b0\u91d1\u6fc0\u52b1\uff1b\u798f\u5229\u5347\u7ea7\u2014\u2014\u4e3a\u5df2\u6709\u57fa\u7840\u4fdd\u969c\u7684\u4f01\u4e1a\u63d0\u4f9b”\u4fdd\u969c\u5347\u7ea7+\u670d\u52a1\u52a0\u7801”\u7684\u6574\u4f53\u89e3\u51b3\u65b9\u6848\uff0c\u63d0\u5347\u6574\u4f53\u798f\u5229\u7ade\u4e89\u529b\uff1b\u98ce\u9669\u8f6c\u79fb\u4e0e\u6548\u7387\u63d0\u5347\u2014\u2014\u901a\u8fc7\u4fdd\u9669\u673a\u5236\u9501\u5b9a\u533b\u7597\u6210\u672c\uff0c\u5e76\u901a\u8fc7\u4fdd\u9669\u673a\u6784\u7684\u4e13\u4e1a\u670d\u52a1\uff0c\u5927\u5e45\u51cf\u5c11\u4f01\u4e1a\u4eba\u529b\u8d44\u6e90\u7ba1\u7406\u90e8\u95e8\u5728\u5458\u5de5\u533b\u7597\u4e8b\u52a1\u4e0a\u7684\u7ba1\u7406\u8d1f\u62c5\u3002<\/p>\n

“\u2018\u5341\u4e94\u4e94’\u89c4\u5212\u5efa\u8bae\u660e\u786e\u63d0\u51fa\u2018\u53d1\u6325\u5404\u7c7b\u5546\u4e1a\u4fdd\u9669\u8865\u5145\u4fdd\u969c\u4f5c\u7528’\uff0c\u52a0\u4e4b\u76f8\u5173\u7a0e\u6536\u4f18\u60e0\u3001\u653f\u7b56\u6276\u6301\u7b49\u653f\u7b56\u63aa\u65bd\u9010\u6b65\u843d\u5730\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u8fce\u6765\u4e86\u5386\u53f2\u6027\u53d1\u5c55\u673a\u9047\u3002”\u590d\u65e6\u5927\u5b66\u7ecf\u6d4e\u5b66\u9662\u98ce\u9669\u7ba1\u7406\u4e0e\u4fdd\u9669\u5b66\u7cfb\u526f\u6559\u6388\u3001\u590d\u65e6\u5927\u5b66\u7eff\u8272\u91d1\u878d\u7814\u7a76\u4e2d\u5fc3\u7814\u7a76\u5458\u9648\u51ac\u6885\u8868\u793a\u3002<\/p>\n

\u672c\u571f\u5b9e\u8df5\uff1aHMO\u6a21\u5f0f\u4e0b\u7684”\u5343\u4f01\u5343\u9762”\u89e3\u51b3\u65b9\u6848<\/p>\n

\u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u767d\u76ae\u4e66\u5bf9\u7b2c\u4e09\u65b9\u7ba1\u7406\uff08TPA\uff09\u6a21\u5f0f\u3001”\u4fdd\u9669+\u670d\u52a1”\u751f\u6001\u62fc\u76d8\u6a21\u5f0f\u4ee5\u53ca\u7ba1\u7406\u5f0f\u533b\u7597\uff08HMO\uff09\u6a21\u5f0f\u8fd9\u4e09\u5927\u5e02\u573a\u4e3b\u6d41\u670d\u52a1\u6a21\u5f0f\u8fdb\u884c\u4e86\u5bf9\u6bd4\u5206\u6790\u3002\u767d\u76ae\u4e66\u8ba4\u4e3a\uff0c\u8fd9\u4e09\u79cd\u6a21\u5f0f\u5404\u5177\u7279\u8272\uff0c\u4e3a\u4e0d\u540c\u7c7b\u578b\u7684\u4f01\u4e1a\u5ba2\u6237\u63d0\u4f9b\u4e86\u591a\u6837\u5316\u7684\u9009\u62e9\u3002\u800cHMO\u6a21\u5f0f\u5c3d\u7ba1\u7406\u8bba\u4e0a\u662f\u6700\u4f18\u89e3\uff0c\u4f46\u5728\u56fd\u5185\u843d\u5730\u65f6\u4ecd\u9762\u4e34\u8f83\u5927\u6311\u6218\u3002<\/p>\n

\u767d\u76ae\u4e66\u540c\u65f6\u8868\u793a\uff0c\u4ece\u6838\u5fc3\u903b\u8f91\u3001\u8d44\u6e90\u638c\u63a7\u3001\u670d\u52a1\u8fde\u7eed\u6027\u4e0e\u63a7\u8d39\u80fd\u529b\u7b49\u591a\u4e2a\u7ef4\u5ea6\u6765\u770b\uff0c\u62db\u5546\u4fe1\u8bfa\u662f\u5c11\u6570\u80fd\u5168\u9762\u8d8b\u8fd1HMO\u6a21\u5f0f\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u5176\u4f18\u52bf\u6e90\u4e8e\u4e2d\u5916\u80a1\u4e1c\u7684\u6df1\u5ea6\u8d4b\u80fd\uff1a\u7f8e\u65b9\u80a1\u4e1cCigna\u62e5\u6709230\u5e74\u56fd\u9645\u5065\u5eb7\u670d\u52a1\u7ecf\u9a8c\uff0c”\u7ba1\u7406\u5f0f\u533b\u7597”\u7406\u5ff5\u5168\u7403\u9886\u5148\uff1b\u4e2d\u65b9\u80a1\u4e1c\u62db\u5546\u94f6\u884c\u5219\u4ee5\u5353\u8d8a\u670d\u52a1\u4e0e\u96f6\u552e\u91d1\u878d\u5b9e\u529b\uff0c\u6301\u7eed\u9a71\u52a8\u4e13\u4e1a\u4e0e\u670d\u52a1\u5347\u7ea7\u3002<\/p>\n

\u5177\u4f53\u5b9e\u8df5\u4e2d\uff0c\u805a\u7126\u4e0d\u540c\u4f01\u4e1a\u7684\u6838\u5fc3\u9700\u6c42\uff0c\u62db\u5546\u4fe1\u8bfa\u53ef\u63d0\u4f9b\u6db5\u76d6\u4e2d\u9ad8\u7aef\u533b\u7597\u4fdd\u9669\u3001\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u4ee5\u53ca\u7279\u8272\u5316\u5065\u5eb7\u7ba1\u7406\u670d\u52a1\u7684\u7efc\u5408\u89e3\u51b3\u65b9\u6848\u3002\u6b64\u5916\uff0c\u8be5\u516c\u53f8\u5927\u529b\u6784\u5efa\u4e86\u5168\u751f\u547d\u5468\u671f\u7684\u5065\u5eb7\u7ba1\u7406\u670d\u52a1\u751f\u6001\uff0c\u5e76\u4f9d\u6258”\u597d\u533b\u3001\u597d\u836f\u3001\u597d\u4f53\u9a8c”\u7684\u670d\u52a1\u5185\u6838\uff0c\u7ed3\u5408”\u4e00\u7f51\u3001\u4e00\u9662\u3001\u4e00\u7ba1\u5bb6”\u7684\u8d44\u6e90\u652f\u6491\u4f53\u7cfb\uff0c\u5b9e\u73b0\u4ece”\u75be\u75c5\u8bca\u7597”\u5230”\u5168\u5468\u671f\u5065\u5eb7\u5b88\u62a4”\u7684\u670d\u52a1\u5347\u7ea7\u3002<\/p>\n

\u767d\u76ae\u4e66\u8fd8\u6df1\u5ea6\u8c03\u7814\u4e86\u79d1\u6280\u3001\u5927\u6d88\u8d39\u3001\u6587\u5316\u6559\u80b2\uff08\u56fd\u9645\u5b66\u6821\uff09\u3001\u5148\u8fdb\u5236\u9020\u3001\u91d1\u878d\u6295\u8d44\u3001\u5f8b\u6240\u54a8\u8be2\u516d\u5927\u884c\u4e1a\uff0c\u7cbe\u51c6\u63cf\u6479\u4e86\u6838\u5fc3\u5782\u76f4\u9886\u57df\u7684\u804c\u573a\u98ce\u9669\u753b\u50cf\uff0c\u5448\u73b0\u51fa\u4e00\u5957”\u6570\u636e\u9a71\u52a8+\u573a\u666f\u9002\u914d”\u7684”\u5343\u4f01\u5343\u9762”\u5dee\u5f02\u5316\u89e3\u51b3\u65b9\u6848\uff0c\u4e3a\u4f01\u4e1a\u63d0\u4f9b\u591a\u91cd\u6838\u5fc3\u4ef7\u503c\u3002<\/p>\n

\u4e1a\u5185\u4e13\u5bb6\u5206\u6790\u79f0\uff0c\u767d\u76ae\u4e66\u4e3a\u4f01\u4e1a\u4f18\u5316\u5065\u5eb7\u4fdd\u969c\u7b56\u7565\u63d0\u4f9b\u4e86\u7fd4\u5b9e\u7684\u6570\u636e\u53c2\u8003\uff0c\u6216\u80fd\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u76f8\u5173\u51b3\u7b56\u8005\u3001\u5065\u5eb7\u4fdd\u9669\u4e0e\u5065\u5eb7\u670d\u52a1\u4ece\u4e1a\u8005\u63d0\u4f9b\u4e00\u4efd\u9762\u5411”\u5341\u4e94\u4e94”\u7684\u884c\u52a8\u53c2\u8003\uff0c\u63a8\u52a8\u66f4\u591a\u4f01\u4e1a\u4ee5\u66f4\u7cfb\u7edf\u3001\u66f4\u53ef\u6301\u7eed\u7684\u65b9\u5f0f”\u6295\u8d44\u4e8e\u4eba”\uff0c\u4e0e\u56fd\u5bb6\u52a0\u5feb\u5efa\u8bbe”\u5065\u5eb7\u4e2d\u56fd”\u7684\u6218\u7565\u76ee\u6807\u540c\u9891\u5171\u632f\u3002<\/p>\n

\n<\/div>\n

SOURCE \u62db\u5546\u4fe1\u8bfa<\/p>","protected":false},"excerpt":{"rendered":"

\u6df1\u57332026\u5e742\u670810\u65e5 \/\u7f8e\u901a\u793e\/ — \u968f\u7740\u6211\u56fd\u6b65\u5165\u9ad8\u8d28\u91cf\u53d1\u5c55\u9636\u6bb5\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u4ece\u4e00\u9879”\u884c\u653f\u6210\u672c”\uff0c\u8f6c\u53d8\u4e3a\u5173\u4e4e\u4eba\u624d\u7ade\u4e89\u4e0e\u7ec4\u7ec7\u53d1\u5c55\u7684”\u6218\u7565\u6295\u8d44”\uff0c\u5e76\u8fce\u6765\u5386\u53f2\u6027\u53d1\u5c55\u673a\u9047\u3002 \u65e5\u524d\uff0c\u62db\u5546\u4fe1\u8bfa\u4eba\u5bff\u4fdd\u9669\u6709\u9650\u516c\u53f8\uff08\u4ee5\u4e0b\u7b80\u79f0”\u62db\u5546\u4fe1\u8bfa”\uff09\u643a\u624b\u65b0\u534e\u793e\u65d7\u4e0b\u7ecf\u6d4e\u53c2\u8003\u62a5\/\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\uff08\u4ee5\u4e0b\u7b80\u79f0”\u65b0\u534e\u5065\u5eb7”\uff09\u53d1\u5e03\u7684\u300a2025\u4e2d\u56fd\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u53d1\u5c55\u767d\u76ae\u4e66\u300b\uff08\u4ee5\u4e0b\u7b80\u79f0”\u767d\u76ae\u4e66”\uff09\u63ed\u793a\u4e86\u8fd9\u4e00\u5173\u952e\u8f6c\u53d8\uff0c \u5e76\u8ba4\u4e3a\u884c\u4e1a\u5df2\u8fdb\u5165”\u5782\u76f4\u5316\u3001\u7cbe\u51c6\u5316”\u6df1\u8015\u671f\uff0c”\u5343\u4f01\u5343\u9762”\u7684\u5dee\u5f02\u5316\u89e3\u51b3\u65b9\u6848\u81f3\u5173\u91cd\u8981\u3002 \u767d\u76ae\u4e66\u7531\u56fd\u5bb6\u536b\u5065\u59d4\u536b\u751f\u53d1\u5c55\u7814\u7a76\u4e2d\u5fc3\u3001\u590d\u65e6\u5927\u5b66\u3001\u5357\u5f00\u5927\u5b66\u7684\u6743\u5a01\u4e13\u5bb6\u5171\u540c\u6307\u5bfc\u7f16\u5199\uff0c\u4e3b\u8981\u805a\u7126\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u7684\u5efa\u8bbe\u73b0\u72b6\u4e0e\u53d1\u5c55\u8d8b\u52bf\u3002 \u8c03\u7814\u6837\u672c\uff1a\u4ece\u5168\u7403\u5458\u5de5\u5230\u672c\u571f\u4f01\u4e1a \u4f5c\u4e3a\u4e13\u4e1a\u7684\u5927\u5065\u5eb7\u89e3\u51b3\u65b9\u6848\u4f9b\u5e94\u5546\uff0c\u62db\u5546\u4fe1\u8bfa\u957f\u671f\u81f4\u529b\u4e8e\u6df1\u5165\u7814\u7a76\u3001\u63a2\u7d22\u5e76\u52a9\u529b\u89e3\u51b3\u4eba\u4eec\u7684\u5065\u5eb7\u95ee\u9898\u3002\u81ea2019\u5e74\u8d77\uff0c\u62db\u5546\u4fe1\u8bfa\u57fa\u4e8e\u80a1\u4e1cCigna\u8986\u76d6\u5168\u740326\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u7684\u8c03\u7814\u6570\u636e\uff0c\u5df2\u8fde\u7eed\u7b2c\u516b\u5e74\u53d1\u5e03\u4e2d\u56fd\u5065\u5eb7\u6307\u6570\u7cfb\u5217\u76f8\u5173\u62a5\u544a\u3002 \u767d\u76ae\u4e66\u6df1\u5ea6\u5256\u6790\u4e86\u4e2d\u56fd\u5185\u5730\u4f01\u4e1a\u5458\u5de5\u5728\u6d3b\u529b\u3001\u97e7\u6027\u3001\u5065\u5eb7\u73b0\u72b6\u53ca\u798f\u5229\u504f\u597d\u7b49\u7ef4\u5ea6\u7684\u8868\u73b0\uff0c\u5e76\u4e0e\u5168\u7403\u5e73\u5747\u6c34\u5e73\u8fdb\u884c\u5bf9\u6bd4\uff0c\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u5efa\u8bbe\u63d0\u4f9b\u91cf\u5316\u53c2\u8003\u8981\u7d20\u3002\u8c03\u7814\u53d1\u73b0\uff0c\u4e2d\u56fd\u4f01\u4e1a\u5458\u5de5\u5448\u73b0”\u9ad8\u6d3b\u529b\u3001\u4f4e\u5065\u5eb7\u3001\u5f31\u652f\u6301\u3001\u5f3a\u9700\u6c42\u3001\u9ad8\u63a5\u7eb3”\u7684\u9c9c\u660e\u7279\u5f81\u3002\u4e0e\u5168\u7403\u5458\u5de5\u66f4\u770b\u91cd\u8eab\u4f53\u5065\u5eb7\u4e0d\u540c\uff0c\u4e2d\u56fd\u5458\u5de5\u5bf9\u5fc3\u7406\u5065\u5eb7\u7684\u9700\u6c42\u66f4\u4e3a\u8feb\u5207\uff0c\u4f46\u4e13\u4e1a\u670d\u52a1\u7684\u53ef\u53ca\u6027\u4e0e\u4f7f\u7528\u7387\u5904\u4e8e\u4f4e\u6c34\u5e73\u3002 2025\u5e74\uff0c\u62db\u5546\u4fe1\u8bfa\u8054\u5408\u7f8e\u4e16\uff08Mercer\uff09\u7b49\u5168\u7403\u77e5\u540d\u4eba\u529b\u8d44\u6e90\u54a8\u8be2\u673a\u6784\uff0c\u5c06\u89c6\u91ce\u6295\u5411\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u4e2d\u575a\u529b\u91cf\u2014\u2014\u4f01\u4e1a\uff0c\u53d1\u8d77\u4e86\u4e00\u9879\u89c4\u6a21\u5316\u7684\u4e13\u9879\u8c03\u7814\u3002\u8be5\u8c03\u7814\u8986\u76d6\u4e86\u8d85\u8fc71000\u540d\u6765\u81ea\u4e0d\u540c\u884c\u4e1a\u7684\u5728\u804c\u5458\u5de5\uff0c\u4ee5\u53ca\u8fd1150\u5bb6\u4f01\u4e1a\u7684\u4f01\u4e1a\u4e3b\u3001\u4eba\u529b\u8d44\u6e90\u8d1f\u8d23\u4eba\u53ca\u6838\u5fc3\u51b3\u7b56\u8005\uff0c\u4ece\u7ec4\u7ec7\u7ba1\u7406\u4e0e\u5458\u5de5\u4f53\u9a8c\u7684\u53cc\u91cd\u89c6\u89d2\uff0c\u7cfb\u7edf\u6027\u5730\u6536\u96c6\u5e76\u5206\u6790\u4e86\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u9886\u57df\u7684\u6838\u5fc3\u6570\u636e\u3002 \u8c03\u7814\u663e\u793a\uff0c\u4f01\u4e1a\u51b3\u7b56\u8005\u4e2d\uff0c78%\u7684\u4eba\u8ba4\u4e3a\u5438\u5f15\u3001\u6fc0\u52b1\u548c\u4fdd\u7559\u4eba\u624d\uff0c\u662f\u4f01\u4e1a\u63d0\u4f9b\u56e2\u4f53\u5546\u4e1a\u4fdd\u9669\u7684\u4e3b\u8981\u76ee\u7684\uff1b\u4f01\u4e1a\u4e3a\u5458\u5de5\u63d0\u4f9b\u5065\u5eb7\u4fdd\u969c\u65f6\u7684\u4e3b\u8981\u75db\u70b9\u5728\u4e8e\uff0c\u9884\u7b97\u548c\u6210\u672c\u538b\u529b\u5927\u3001\u7f3a\u4e4f\u4e2a\u6027\u5316\u65b9\u6848\u3001\u75be\u75c5\u9884\u9632\u548c\u6162\u75c5\u7ba1\u7406\u96be\u5ea6\u5927\uff1b\u4f01\u4e1a\u9009\u62e9\u9ad8\u7aef\u533b\u7597\u4fdd\u9669\u65f6\uff0c\u6700\u5173\u6ce8\u533b\u7597\u573a\u666f\u3001\u533b\u7597\u8d44\u6e90\u548c\u4ea7\u54c1\u4ef7\u683c\u3002 \u9488\u5bf9\u4f01\u4e1a\u5458\u5de5\u7684\u8c03\u7814\u5219\u53d1\u73b0\uff0c\u8d85\u4e03\u6210\u53d7\u8bbf\u8005\u8ba4\u4e3a\uff0c\u5065\u5eb7\u798f\u5229\u5bf9\u9009\u62e9\u96c7\u4e3b\u6709\u5f71\u54cd\uff1b\u8d85\u4e94\u6210\u53d7\u8bbf\u8005\u5bf9\u4f01\u4e1a\u5065\u5eb7\u7ba1\u7406\u798f\u5229\u6ee1\u610f\uff0c\u62e5\u6709\u56e2\u4f53\u5546\u4e1a\u4fdd\u9669\u7684\u5458\u5de5\u5bf9\u4f01\u4e1a\u798f\u5229\u8868\u73b0\u51fa\u66f4\u6ee1\u610f\u7684\u6001\u5ea6\uff1b\u800c\u5458\u5de5\u6700\u671f\u5f85\u4f01\u4e1a\u52a0\u5f3a\u7684\u5065\u5eb7\u7ba1\u7406\u9879\u76ee\uff0c\u4f9d\u6b21\u4e3a”\u5e74\u5ea6\u4f53\u68c0””\u5bb6\u5c5e\u4fdd\u969c””\u5728\u7ebf\u95ee\u8bca\/\u89c6\u9891\u95ee\u8bca””\u804c\u573a\u5fc3\u7406\u5065\u5eb7\u9632\u62a4”\u7b49\u3002 “\u8fd9\u4e9b\u6570\u636e\u65e2\u6307\u51fa\u4e86\u5f53\u524d\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u7684\u5173\u952e\u7f3a\u53e3\uff0c\u4e5f\u4e3a\u540e\u7eed\u4f01\u4e1a\u7ed3\u5408\u6d77\u5916\u7ecf\u9a8c\u3001\u6784\u5efa\u672c\u571f\u5316\u5065\u5eb7\u4fdd\u969c\u6a21\u5f0f\u63d0\u4f9b\u4e86\u660e\u786e\u7684\u6570\u636e\u951a\u70b9\u3002”\u56fd\u5bb6\u536b\u5065\u59d4\u536b\u751f\u53d1\u5c55\u7814\u7a76\u4e2d\u5fc3\u7814\u7a76\u5458\u3001\u5065\u5eb7\u7ecf\u6d4e\u4e0e\u4fdd\u969c\u7814\u7a76\u90e8\u526f\u90e8\u957f\u90dd\u6653\u5b81\u8bc4\u4ef7\u8bf4\u3002 \u5357\u5f00\u5927\u5b66\u536b\u751f\u7ecf\u6d4e\u4e0e\u533b\u7597\u4fdd\u969c\u7814\u7a76\u4e2d\u5fc3\u4e3b\u4efb\u6731\u94ed\u6765\u6559\u6388\u5219\u8868\u793a\uff0c\u4e2d\u56fd\u5546\u4e1a\u5065\u5eb7\u4fdd\u9669\u6b63\u5904\u4e8e\u89c4\u6a21\u589e\u957f\u7684\u5173\u952e\u62d0\u70b9\uff0c\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u6539\u9769\u662f\u89e3\u51b3\u5f53\u524d\u56f0\u5883\u7684\u91cd\u8981\u7a81\u7834\u53e3\u3002”\u5efa\u8bae\u660e\u786e\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u7684\u5236\u5ea6\u5b9a\u4f4d\uff0c\u4f18\u5316\u8d22\u7a0e\u6fc0\u52b1\u653f\u7b56\uff0c\u5e76\u5efa\u7acb\u6807\u51c6\u5316\u4ea7\u54c1\u4f53\u7cfb\uff1b\u4fdd\u9669\u884c\u4e1a\u5f00\u53d1\u5206\u5c42\u5206\u7c7b\u7684\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u4ea7\u54c1\uff1b\u642d\u5efa\u516c\u5171\u6570\u636e\u548c\u5065\u5eb7\u4fdd\u9669\u4ea4\u6613\u5e73\u53f0\uff0c\u63d0\u9ad8\u5e02\u573a\u670d\u52a1\u6548\u7387\u3001\u964d\u4f4e\u4fdd\u9669\u7ecf\u8425\u6210\u672c”\u3002 \u6838\u5fc3\u53d1\u73b0\uff1a\u4ece”\u884c\u653f\u6210\u672c”\u5230”\u6218\u7565\u8d44\u4ea7” \u968f\u7740\u4eba\u53e3\u8001\u9f84\u5316\u52a0\u5267\u3001\u6162\u6027\u75c5\u8d1f\u62c5\u52a0\u91cd\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u4ece\u8f85\u52a9\u6027\u798f\u5229\u5347\u7ea7\u4e3a”\u6295\u8d44\u4e8e\u4eba”\u7684\u6218\u7565\u8d44\u4ea7\uff0c\u6210\u4e3a\u8fde\u63a5\u56fd\u5bb6\u533b\u7597\u4fdd\u969c\u4e0e\u4e2a\u4eba\u5065\u5eb7\u9700\u6c42\u7684\u91cd\u8981\u6865\u6881\u3002 \u767d\u76ae\u4e66\u8ba4\u4e3a\uff0c\u4eba\u53e3\u8001\u9f84\u5316\u4e0e\u5ef6\u8fdf\u9000\u4f11\u7684\u8d8b\u52bf\uff0c\u6b63\u5728\u91cd\u5851\u804c\u573a\u7684\u5e74\u9f84\u7ed3\u6784\uff1b\u65b0\u751f\u4ee3\u804c\u573a\u4eba\u7fa4\u5bf9\u5fc3\u7406\u5065\u5eb7\u4e0e\u5de5\u4f5c\u4f53\u9a8c\u7684\u8ffd\u6c42\uff0c\u4e5f\u5728\u5012\u903c\u7ba1\u7406\u6a21\u5f0f\u7684\u9769\u65b0\uff1b\u533b\u4fdd\u63a7\u8d39\u7684\u73b0\u5b9e\u538b\u529b\uff0c\u5219\u8ba9\u4f01\u4e1a\u548c\u5458\u5de5\u540c\u65f6\u9762\u4e34”\u5065\u5eb7\u9700\u6c42\u5347\u7ea7”\u4e0e”\u652f\u4ed8\u4f53\u7cfb\u91cd\u6784”\u7684\u53cc\u91cd\u6311\u6218\u3002 \u767d\u76ae\u4e66\u5f3a\u8c03\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u5b8c\u6210\u4ece”\u884c\u653f\u6210\u672c”\u5411”\u6218\u7565\u6295\u8d44”\u7684\u5b9a\u6027\u8f6c\u53d8\u3002\u8fd9\u4e00\u8f6c\u53d8\u5177\u4f53\u8868\u73b0\u5728\uff1a\u4eba\u624d\u6fc0\u52b1\u2014\u2014\u5c06\u4e00\u5b9a\u73b0\u91d1\u6536\u5165\u8f6c\u5316\u4e3a\u9ad8\u7aef\u533b\u7597\u798f\u5229\uff0c\u80fd\u4e3a\u6838\u5fc3\u4eba\u624d\u5e26\u6765\u66f4\u5f3a\u7684\u611f\u77e5\u5ea6\u4e0e\u83b7\u5f97\u611f\uff0c\u6027\u4ef7\u6bd4\u8fdc\u8d85\u7a0e\u540e\u73b0\u91d1\u6fc0\u52b1\uff1b\u798f\u5229\u5347\u7ea7\u2014\u2014\u4e3a\u5df2\u6709\u57fa\u7840\u4fdd\u969c\u7684\u4f01\u4e1a\u63d0\u4f9b”\u4fdd\u969c\u5347\u7ea7+\u670d\u52a1\u52a0\u7801”\u7684\u6574\u4f53\u89e3\u51b3\u65b9\u6848\uff0c\u63d0\u5347\u6574\u4f53\u798f\u5229\u7ade\u4e89\u529b\uff1b\u98ce\u9669\u8f6c\u79fb\u4e0e\u6548\u7387\u63d0\u5347\u2014\u2014\u901a\u8fc7\u4fdd\u9669\u673a\u5236\u9501\u5b9a\u533b\u7597\u6210\u672c\uff0c\u5e76\u901a\u8fc7\u4fdd\u9669\u673a\u6784\u7684\u4e13\u4e1a\u670d\u52a1\uff0c\u5927\u5e45\u51cf\u5c11\u4f01\u4e1a\u4eba\u529b\u8d44\u6e90\u7ba1\u7406\u90e8\u95e8\u5728\u5458\u5de5\u533b\u7597\u4e8b\u52a1\u4e0a\u7684\u7ba1\u7406\u8d1f\u62c5\u3002 “\u2018\u5341\u4e94\u4e94’\u89c4\u5212\u5efa\u8bae\u660e\u786e\u63d0\u51fa\u2018\u53d1\u6325\u5404\u7c7b\u5546\u4e1a\u4fdd\u9669\u8865\u5145\u4fdd\u969c\u4f5c\u7528’\uff0c\u52a0\u4e4b\u76f8\u5173\u7a0e\u6536\u4f18\u60e0\u3001\u653f\u7b56\u6276\u6301\u7b49\u653f\u7b56\u63aa\u65bd\u9010\u6b65\u843d\u5730\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u8fce\u6765\u4e86\u5386\u53f2\u6027\u53d1\u5c55\u673a\u9047\u3002”\u590d\u65e6\u5927\u5b66\u7ecf\u6d4e\u5b66\u9662\u98ce\u9669\u7ba1\u7406\u4e0e\u4fdd\u9669\u5b66\u7cfb\u526f\u6559\u6388\u3001\u590d\u65e6\u5927\u5b66\u7eff\u8272\u91d1\u878d\u7814\u7a76\u4e2d\u5fc3\u7814\u7a76\u5458\u9648\u51ac\u6885\u8868\u793a\u3002 \u672c\u571f\u5b9e\u8df5\uff1aHMO\u6a21\u5f0f\u4e0b\u7684”\u5343\u4f01\u5343\u9762”\u89e3\u51b3\u65b9\u6848 \u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u767d\u76ae\u4e66\u5bf9\u7b2c\u4e09\u65b9\u7ba1\u7406\uff08TPA\uff09\u6a21\u5f0f\u3001”\u4fdd\u9669+\u670d\u52a1”\u751f\u6001\u62fc\u76d8\u6a21\u5f0f\u4ee5\u53ca\u7ba1\u7406\u5f0f\u533b\u7597\uff08HMO\uff09\u6a21\u5f0f\u8fd9\u4e09\u5927\u5e02\u573a\u4e3b\u6d41\u670d\u52a1\u6a21\u5f0f\u8fdb\u884c\u4e86\u5bf9\u6bd4\u5206\u6790\u3002\u767d\u76ae\u4e66\u8ba4\u4e3a\uff0c\u8fd9\u4e09\u79cd\u6a21\u5f0f\u5404\u5177\u7279\u8272\uff0c\u4e3a\u4e0d\u540c\u7c7b\u578b\u7684\u4f01\u4e1a\u5ba2\u6237\u63d0\u4f9b\u4e86\u591a\u6837\u5316\u7684\u9009\u62e9\u3002\u800cHMO\u6a21\u5f0f\u5c3d\u7ba1\u7406\u8bba\u4e0a\u662f\u6700\u4f18\u89e3\uff0c\u4f46\u5728\u56fd\u5185\u843d\u5730\u65f6\u4ecd\u9762\u4e34\u8f83\u5927\u6311\u6218\u3002 \u767d\u76ae\u4e66\u540c\u65f6\u8868\u793a\uff0c\u4ece\u6838\u5fc3\u903b\u8f91\u3001\u8d44\u6e90\u638c\u63a7\u3001\u670d\u52a1\u8fde\u7eed\u6027\u4e0e\u63a7\u8d39\u80fd\u529b\u7b49\u591a\u4e2a\u7ef4\u5ea6\u6765\u770b\uff0c\u62db\u5546\u4fe1\u8bfa\u662f\u5c11\u6570\u80fd\u5168\u9762\u8d8b\u8fd1HMO\u6a21\u5f0f\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u5176\u4f18\u52bf\u6e90\u4e8e\u4e2d\u5916\u80a1\u4e1c\u7684\u6df1\u5ea6\u8d4b\u80fd\uff1a\u7f8e\u65b9\u80a1\u4e1cCigna\u62e5\u6709230\u5e74\u56fd\u9645\u5065\u5eb7\u670d\u52a1\u7ecf\u9a8c\uff0c”\u7ba1\u7406\u5f0f\u533b\u7597”\u7406\u5ff5\u5168\u7403\u9886\u5148\uff1b\u4e2d\u65b9\u80a1\u4e1c\u62db\u5546\u94f6\u884c\u5219\u4ee5\u5353\u8d8a\u670d\u52a1\u4e0e\u96f6\u552e\u91d1\u878d\u5b9e\u529b\uff0c\u6301\u7eed\u9a71\u52a8\u4e13\u4e1a\u4e0e\u670d\u52a1\u5347\u7ea7\u3002 \u5177\u4f53\u5b9e\u8df5\u4e2d\uff0c\u805a\u7126\u4e0d\u540c\u4f01\u4e1a\u7684\u6838\u5fc3\u9700\u6c42\uff0c\u62db\u5546\u4fe1\u8bfa\u53ef\u63d0\u4f9b\u6db5\u76d6\u4e2d\u9ad8\u7aef\u533b\u7597\u4fdd\u9669\u3001\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u4ee5\u53ca\u7279\u8272\u5316\u5065\u5eb7\u7ba1\u7406\u670d\u52a1\u7684\u7efc\u5408\u89e3\u51b3\u65b9\u6848\u3002\u6b64\u5916\uff0c\u8be5\u516c\u53f8\u5927\u529b\u6784\u5efa\u4e86\u5168\u751f\u547d\u5468\u671f\u7684\u5065\u5eb7\u7ba1\u7406\u670d\u52a1\u751f\u6001\uff0c\u5e76\u4f9d\u6258”\u597d\u533b\u3001\u597d\u836f\u3001\u597d\u4f53\u9a8c”\u7684\u670d\u52a1\u5185\u6838\uff0c\u7ed3\u5408”\u4e00\u7f51\u3001\u4e00\u9662\u3001\u4e00\u7ba1\u5bb6”\u7684\u8d44\u6e90\u652f\u6491\u4f53\u7cfb\uff0c\u5b9e\u73b0\u4ece”\u75be\u75c5\u8bca\u7597”\u5230”\u5168\u5468\u671f\u5065\u5eb7\u5b88\u62a4”\u7684\u670d\u52a1\u5347\u7ea7\u3002 \u767d\u76ae\u4e66\u8fd8\u6df1\u5ea6\u8c03\u7814\u4e86\u79d1\u6280\u3001\u5927\u6d88\u8d39\u3001\u6587\u5316\u6559\u80b2\uff08\u56fd\u9645\u5b66\u6821\uff09\u3001\u5148\u8fdb\u5236\u9020\u3001\u91d1\u878d\u6295\u8d44\u3001\u5f8b\u6240\u54a8\u8be2\u516d\u5927\u884c\u4e1a\uff0c\u7cbe\u51c6\u63cf\u6479\u4e86\u6838\u5fc3\u5782\u76f4\u9886\u57df\u7684\u804c\u573a\u98ce\u9669\u753b\u50cf\uff0c\u5448\u73b0\u51fa\u4e00\u5957”\u6570\u636e\u9a71\u52a8+\u573a\u666f\u9002\u914d”\u7684”\u5343\u4f01\u5343\u9762”\u5dee\u5f02\u5316\u89e3\u51b3\u65b9\u6848\uff0c\u4e3a\u4f01\u4e1a\u63d0\u4f9b\u591a\u91cd\u6838\u5fc3\u4ef7\u503c\u3002 \u4e1a\u5185\u4e13\u5bb6\u5206\u6790\u79f0\uff0c\u767d\u76ae\u4e66\u4e3a\u4f01\u4e1a\u4f18\u5316\u5065\u5eb7\u4fdd\u969c\u7b56\u7565\u63d0\u4f9b\u4e86\u7fd4\u5b9e\u7684\u6570\u636e\u53c2\u8003\uff0c\u6216\u80fd\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u76f8\u5173\u51b3\u7b56\u8005\u3001\u5065\u5eb7\u4fdd\u9669\u4e0e\u5065\u5eb7\u670d\u52a1\u4ece\u4e1a\u8005\u63d0\u4f9b\u4e00\u4efd\u9762\u5411”\u5341\u4e94\u4e94”\u7684\u884c\u52a8\u53c2\u8003\uff0c\u63a8\u52a8\u66f4\u591a\u4f01\u4e1a\u4ee5\u66f4\u7cfb\u7edf\u3001\u66f4\u53ef\u6301\u7eed\u7684\u65b9\u5f0f”\u6295\u8d44\u4e8e\u4eba”\uff0c\u4e0e\u56fd\u5bb6\u52a0\u5feb\u5efa\u8bbe”\u5065\u5eb7\u4e2d\u56fd”\u7684\u6218\u7565\u76ee\u6807\u540c\u9891\u5171\u632f\u3002 SOURCE \u62db\u5546\u4fe1\u8bfa<\/p>\n","protected":false},"author":0,"featured_media":21562,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-21561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pr-newswire"],"yoast_head":"\n\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 "\u5343\u4f01\u5343\u9762"\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9 - Money Compass CN<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneycompass.com.my\/cn\/\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66-\u5343\u4f01\u5343\u9762\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 "\u5343\u4f01\u5343\u9762"\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9 - Money Compass CN\" \/>\n<meta property=\"og:description\" content=\"\u6df1\u57332026\u5e742\u670810\u65e5 \/\u7f8e\u901a\u793e\/ — \u968f\u7740\u6211\u56fd\u6b65\u5165\u9ad8\u8d28\u91cf\u53d1\u5c55\u9636\u6bb5\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u4ece\u4e00\u9879”\u884c\u653f\u6210\u672c”\uff0c\u8f6c\u53d8\u4e3a\u5173\u4e4e\u4eba\u624d\u7ade\u4e89\u4e0e\u7ec4\u7ec7\u53d1\u5c55\u7684”\u6218\u7565\u6295\u8d44”\uff0c\u5e76\u8fce\u6765\u5386\u53f2\u6027\u53d1\u5c55\u673a\u9047\u3002 \u65e5\u524d\uff0c\u62db\u5546\u4fe1\u8bfa\u4eba\u5bff\u4fdd\u9669\u6709\u9650\u516c\u53f8\uff08\u4ee5\u4e0b\u7b80\u79f0”\u62db\u5546\u4fe1\u8bfa”\uff09\u643a\u624b\u65b0\u534e\u793e\u65d7\u4e0b\u7ecf\u6d4e\u53c2\u8003\u62a5\/\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\uff08\u4ee5\u4e0b\u7b80\u79f0”\u65b0\u534e\u5065\u5eb7”\uff09\u53d1\u5e03\u7684\u300a2025\u4e2d\u56fd\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u53d1\u5c55\u767d\u76ae\u4e66\u300b\uff08\u4ee5\u4e0b\u7b80\u79f0”\u767d\u76ae\u4e66”\uff09\u63ed\u793a\u4e86\u8fd9\u4e00\u5173\u952e\u8f6c\u53d8\uff0c \u5e76\u8ba4\u4e3a\u884c\u4e1a\u5df2\u8fdb\u5165”\u5782\u76f4\u5316\u3001\u7cbe\u51c6\u5316”\u6df1\u8015\u671f\uff0c”\u5343\u4f01\u5343\u9762”\u7684\u5dee\u5f02\u5316\u89e3\u51b3\u65b9\u6848\u81f3\u5173\u91cd\u8981\u3002 \u767d\u76ae\u4e66\u7531\u56fd\u5bb6\u536b\u5065\u59d4\u536b\u751f\u53d1\u5c55\u7814\u7a76\u4e2d\u5fc3\u3001\u590d\u65e6\u5927\u5b66\u3001\u5357\u5f00\u5927\u5b66\u7684\u6743\u5a01\u4e13\u5bb6\u5171\u540c\u6307\u5bfc\u7f16\u5199\uff0c\u4e3b\u8981\u805a\u7126\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u7684\u5efa\u8bbe\u73b0\u72b6\u4e0e\u53d1\u5c55\u8d8b\u52bf\u3002 \u8c03\u7814\u6837\u672c\uff1a\u4ece\u5168\u7403\u5458\u5de5\u5230\u672c\u571f\u4f01\u4e1a \u4f5c\u4e3a\u4e13\u4e1a\u7684\u5927\u5065\u5eb7\u89e3\u51b3\u65b9\u6848\u4f9b\u5e94\u5546\uff0c\u62db\u5546\u4fe1\u8bfa\u957f\u671f\u81f4\u529b\u4e8e\u6df1\u5165\u7814\u7a76\u3001\u63a2\u7d22\u5e76\u52a9\u529b\u89e3\u51b3\u4eba\u4eec\u7684\u5065\u5eb7\u95ee\u9898\u3002\u81ea2019\u5e74\u8d77\uff0c\u62db\u5546\u4fe1\u8bfa\u57fa\u4e8e\u80a1\u4e1cCigna\u8986\u76d6\u5168\u740326\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u7684\u8c03\u7814\u6570\u636e\uff0c\u5df2\u8fde\u7eed\u7b2c\u516b\u5e74\u53d1\u5e03\u4e2d\u56fd\u5065\u5eb7\u6307\u6570\u7cfb\u5217\u76f8\u5173\u62a5\u544a\u3002 \u767d\u76ae\u4e66\u6df1\u5ea6\u5256\u6790\u4e86\u4e2d\u56fd\u5185\u5730\u4f01\u4e1a\u5458\u5de5\u5728\u6d3b\u529b\u3001\u97e7\u6027\u3001\u5065\u5eb7\u73b0\u72b6\u53ca\u798f\u5229\u504f\u597d\u7b49\u7ef4\u5ea6\u7684\u8868\u73b0\uff0c\u5e76\u4e0e\u5168\u7403\u5e73\u5747\u6c34\u5e73\u8fdb\u884c\u5bf9\u6bd4\uff0c\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u5efa\u8bbe\u63d0\u4f9b\u91cf\u5316\u53c2\u8003\u8981\u7d20\u3002\u8c03\u7814\u53d1\u73b0\uff0c\u4e2d\u56fd\u4f01\u4e1a\u5458\u5de5\u5448\u73b0”\u9ad8\u6d3b\u529b\u3001\u4f4e\u5065\u5eb7\u3001\u5f31\u652f\u6301\u3001\u5f3a\u9700\u6c42\u3001\u9ad8\u63a5\u7eb3”\u7684\u9c9c\u660e\u7279\u5f81\u3002\u4e0e\u5168\u7403\u5458\u5de5\u66f4\u770b\u91cd\u8eab\u4f53\u5065\u5eb7\u4e0d\u540c\uff0c\u4e2d\u56fd\u5458\u5de5\u5bf9\u5fc3\u7406\u5065\u5eb7\u7684\u9700\u6c42\u66f4\u4e3a\u8feb\u5207\uff0c\u4f46\u4e13\u4e1a\u670d\u52a1\u7684\u53ef\u53ca\u6027\u4e0e\u4f7f\u7528\u7387\u5904\u4e8e\u4f4e\u6c34\u5e73\u3002 2025\u5e74\uff0c\u62db\u5546\u4fe1\u8bfa\u8054\u5408\u7f8e\u4e16\uff08Mercer\uff09\u7b49\u5168\u7403\u77e5\u540d\u4eba\u529b\u8d44\u6e90\u54a8\u8be2\u673a\u6784\uff0c\u5c06\u89c6\u91ce\u6295\u5411\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u4e2d\u575a\u529b\u91cf\u2014\u2014\u4f01\u4e1a\uff0c\u53d1\u8d77\u4e86\u4e00\u9879\u89c4\u6a21\u5316\u7684\u4e13\u9879\u8c03\u7814\u3002\u8be5\u8c03\u7814\u8986\u76d6\u4e86\u8d85\u8fc71000\u540d\u6765\u81ea\u4e0d\u540c\u884c\u4e1a\u7684\u5728\u804c\u5458\u5de5\uff0c\u4ee5\u53ca\u8fd1150\u5bb6\u4f01\u4e1a\u7684\u4f01\u4e1a\u4e3b\u3001\u4eba\u529b\u8d44\u6e90\u8d1f\u8d23\u4eba\u53ca\u6838\u5fc3\u51b3\u7b56\u8005\uff0c\u4ece\u7ec4\u7ec7\u7ba1\u7406\u4e0e\u5458\u5de5\u4f53\u9a8c\u7684\u53cc\u91cd\u89c6\u89d2\uff0c\u7cfb\u7edf\u6027\u5730\u6536\u96c6\u5e76\u5206\u6790\u4e86\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u9886\u57df\u7684\u6838\u5fc3\u6570\u636e\u3002 \u8c03\u7814\u663e\u793a\uff0c\u4f01\u4e1a\u51b3\u7b56\u8005\u4e2d\uff0c78%\u7684\u4eba\u8ba4\u4e3a\u5438\u5f15\u3001\u6fc0\u52b1\u548c\u4fdd\u7559\u4eba\u624d\uff0c\u662f\u4f01\u4e1a\u63d0\u4f9b\u56e2\u4f53\u5546\u4e1a\u4fdd\u9669\u7684\u4e3b\u8981\u76ee\u7684\uff1b\u4f01\u4e1a\u4e3a\u5458\u5de5\u63d0\u4f9b\u5065\u5eb7\u4fdd\u969c\u65f6\u7684\u4e3b\u8981\u75db\u70b9\u5728\u4e8e\uff0c\u9884\u7b97\u548c\u6210\u672c\u538b\u529b\u5927\u3001\u7f3a\u4e4f\u4e2a\u6027\u5316\u65b9\u6848\u3001\u75be\u75c5\u9884\u9632\u548c\u6162\u75c5\u7ba1\u7406\u96be\u5ea6\u5927\uff1b\u4f01\u4e1a\u9009\u62e9\u9ad8\u7aef\u533b\u7597\u4fdd\u9669\u65f6\uff0c\u6700\u5173\u6ce8\u533b\u7597\u573a\u666f\u3001\u533b\u7597\u8d44\u6e90\u548c\u4ea7\u54c1\u4ef7\u683c\u3002 \u9488\u5bf9\u4f01\u4e1a\u5458\u5de5\u7684\u8c03\u7814\u5219\u53d1\u73b0\uff0c\u8d85\u4e03\u6210\u53d7\u8bbf\u8005\u8ba4\u4e3a\uff0c\u5065\u5eb7\u798f\u5229\u5bf9\u9009\u62e9\u96c7\u4e3b\u6709\u5f71\u54cd\uff1b\u8d85\u4e94\u6210\u53d7\u8bbf\u8005\u5bf9\u4f01\u4e1a\u5065\u5eb7\u7ba1\u7406\u798f\u5229\u6ee1\u610f\uff0c\u62e5\u6709\u56e2\u4f53\u5546\u4e1a\u4fdd\u9669\u7684\u5458\u5de5\u5bf9\u4f01\u4e1a\u798f\u5229\u8868\u73b0\u51fa\u66f4\u6ee1\u610f\u7684\u6001\u5ea6\uff1b\u800c\u5458\u5de5\u6700\u671f\u5f85\u4f01\u4e1a\u52a0\u5f3a\u7684\u5065\u5eb7\u7ba1\u7406\u9879\u76ee\uff0c\u4f9d\u6b21\u4e3a”\u5e74\u5ea6\u4f53\u68c0””\u5bb6\u5c5e\u4fdd\u969c””\u5728\u7ebf\u95ee\u8bca\/\u89c6\u9891\u95ee\u8bca””\u804c\u573a\u5fc3\u7406\u5065\u5eb7\u9632\u62a4”\u7b49\u3002 “\u8fd9\u4e9b\u6570\u636e\u65e2\u6307\u51fa\u4e86\u5f53\u524d\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u7684\u5173\u952e\u7f3a\u53e3\uff0c\u4e5f\u4e3a\u540e\u7eed\u4f01\u4e1a\u7ed3\u5408\u6d77\u5916\u7ecf\u9a8c\u3001\u6784\u5efa\u672c\u571f\u5316\u5065\u5eb7\u4fdd\u969c\u6a21\u5f0f\u63d0\u4f9b\u4e86\u660e\u786e\u7684\u6570\u636e\u951a\u70b9\u3002”\u56fd\u5bb6\u536b\u5065\u59d4\u536b\u751f\u53d1\u5c55\u7814\u7a76\u4e2d\u5fc3\u7814\u7a76\u5458\u3001\u5065\u5eb7\u7ecf\u6d4e\u4e0e\u4fdd\u969c\u7814\u7a76\u90e8\u526f\u90e8\u957f\u90dd\u6653\u5b81\u8bc4\u4ef7\u8bf4\u3002 \u5357\u5f00\u5927\u5b66\u536b\u751f\u7ecf\u6d4e\u4e0e\u533b\u7597\u4fdd\u969c\u7814\u7a76\u4e2d\u5fc3\u4e3b\u4efb\u6731\u94ed\u6765\u6559\u6388\u5219\u8868\u793a\uff0c\u4e2d\u56fd\u5546\u4e1a\u5065\u5eb7\u4fdd\u9669\u6b63\u5904\u4e8e\u89c4\u6a21\u589e\u957f\u7684\u5173\u952e\u62d0\u70b9\uff0c\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u6539\u9769\u662f\u89e3\u51b3\u5f53\u524d\u56f0\u5883\u7684\u91cd\u8981\u7a81\u7834\u53e3\u3002”\u5efa\u8bae\u660e\u786e\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u7684\u5236\u5ea6\u5b9a\u4f4d\uff0c\u4f18\u5316\u8d22\u7a0e\u6fc0\u52b1\u653f\u7b56\uff0c\u5e76\u5efa\u7acb\u6807\u51c6\u5316\u4ea7\u54c1\u4f53\u7cfb\uff1b\u4fdd\u9669\u884c\u4e1a\u5f00\u53d1\u5206\u5c42\u5206\u7c7b\u7684\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u4ea7\u54c1\uff1b\u642d\u5efa\u516c\u5171\u6570\u636e\u548c\u5065\u5eb7\u4fdd\u9669\u4ea4\u6613\u5e73\u53f0\uff0c\u63d0\u9ad8\u5e02\u573a\u670d\u52a1\u6548\u7387\u3001\u964d\u4f4e\u4fdd\u9669\u7ecf\u8425\u6210\u672c”\u3002 \u6838\u5fc3\u53d1\u73b0\uff1a\u4ece”\u884c\u653f\u6210\u672c”\u5230”\u6218\u7565\u8d44\u4ea7” \u968f\u7740\u4eba\u53e3\u8001\u9f84\u5316\u52a0\u5267\u3001\u6162\u6027\u75c5\u8d1f\u62c5\u52a0\u91cd\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u4ece\u8f85\u52a9\u6027\u798f\u5229\u5347\u7ea7\u4e3a”\u6295\u8d44\u4e8e\u4eba”\u7684\u6218\u7565\u8d44\u4ea7\uff0c\u6210\u4e3a\u8fde\u63a5\u56fd\u5bb6\u533b\u7597\u4fdd\u969c\u4e0e\u4e2a\u4eba\u5065\u5eb7\u9700\u6c42\u7684\u91cd\u8981\u6865\u6881\u3002 \u767d\u76ae\u4e66\u8ba4\u4e3a\uff0c\u4eba\u53e3\u8001\u9f84\u5316\u4e0e\u5ef6\u8fdf\u9000\u4f11\u7684\u8d8b\u52bf\uff0c\u6b63\u5728\u91cd\u5851\u804c\u573a\u7684\u5e74\u9f84\u7ed3\u6784\uff1b\u65b0\u751f\u4ee3\u804c\u573a\u4eba\u7fa4\u5bf9\u5fc3\u7406\u5065\u5eb7\u4e0e\u5de5\u4f5c\u4f53\u9a8c\u7684\u8ffd\u6c42\uff0c\u4e5f\u5728\u5012\u903c\u7ba1\u7406\u6a21\u5f0f\u7684\u9769\u65b0\uff1b\u533b\u4fdd\u63a7\u8d39\u7684\u73b0\u5b9e\u538b\u529b\uff0c\u5219\u8ba9\u4f01\u4e1a\u548c\u5458\u5de5\u540c\u65f6\u9762\u4e34”\u5065\u5eb7\u9700\u6c42\u5347\u7ea7”\u4e0e”\u652f\u4ed8\u4f53\u7cfb\u91cd\u6784”\u7684\u53cc\u91cd\u6311\u6218\u3002 \u767d\u76ae\u4e66\u5f3a\u8c03\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u5b8c\u6210\u4ece”\u884c\u653f\u6210\u672c”\u5411”\u6218\u7565\u6295\u8d44”\u7684\u5b9a\u6027\u8f6c\u53d8\u3002\u8fd9\u4e00\u8f6c\u53d8\u5177\u4f53\u8868\u73b0\u5728\uff1a\u4eba\u624d\u6fc0\u52b1\u2014\u2014\u5c06\u4e00\u5b9a\u73b0\u91d1\u6536\u5165\u8f6c\u5316\u4e3a\u9ad8\u7aef\u533b\u7597\u798f\u5229\uff0c\u80fd\u4e3a\u6838\u5fc3\u4eba\u624d\u5e26\u6765\u66f4\u5f3a\u7684\u611f\u77e5\u5ea6\u4e0e\u83b7\u5f97\u611f\uff0c\u6027\u4ef7\u6bd4\u8fdc\u8d85\u7a0e\u540e\u73b0\u91d1\u6fc0\u52b1\uff1b\u798f\u5229\u5347\u7ea7\u2014\u2014\u4e3a\u5df2\u6709\u57fa\u7840\u4fdd\u969c\u7684\u4f01\u4e1a\u63d0\u4f9b”\u4fdd\u969c\u5347\u7ea7+\u670d\u52a1\u52a0\u7801”\u7684\u6574\u4f53\u89e3\u51b3\u65b9\u6848\uff0c\u63d0\u5347\u6574\u4f53\u798f\u5229\u7ade\u4e89\u529b\uff1b\u98ce\u9669\u8f6c\u79fb\u4e0e\u6548\u7387\u63d0\u5347\u2014\u2014\u901a\u8fc7\u4fdd\u9669\u673a\u5236\u9501\u5b9a\u533b\u7597\u6210\u672c\uff0c\u5e76\u901a\u8fc7\u4fdd\u9669\u673a\u6784\u7684\u4e13\u4e1a\u670d\u52a1\uff0c\u5927\u5e45\u51cf\u5c11\u4f01\u4e1a\u4eba\u529b\u8d44\u6e90\u7ba1\u7406\u90e8\u95e8\u5728\u5458\u5de5\u533b\u7597\u4e8b\u52a1\u4e0a\u7684\u7ba1\u7406\u8d1f\u62c5\u3002 “\u2018\u5341\u4e94\u4e94’\u89c4\u5212\u5efa\u8bae\u660e\u786e\u63d0\u51fa\u2018\u53d1\u6325\u5404\u7c7b\u5546\u4e1a\u4fdd\u9669\u8865\u5145\u4fdd\u969c\u4f5c\u7528’\uff0c\u52a0\u4e4b\u76f8\u5173\u7a0e\u6536\u4f18\u60e0\u3001\u653f\u7b56\u6276\u6301\u7b49\u653f\u7b56\u63aa\u65bd\u9010\u6b65\u843d\u5730\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u8fce\u6765\u4e86\u5386\u53f2\u6027\u53d1\u5c55\u673a\u9047\u3002”\u590d\u65e6\u5927\u5b66\u7ecf\u6d4e\u5b66\u9662\u98ce\u9669\u7ba1\u7406\u4e0e\u4fdd\u9669\u5b66\u7cfb\u526f\u6559\u6388\u3001\u590d\u65e6\u5927\u5b66\u7eff\u8272\u91d1\u878d\u7814\u7a76\u4e2d\u5fc3\u7814\u7a76\u5458\u9648\u51ac\u6885\u8868\u793a\u3002 \u672c\u571f\u5b9e\u8df5\uff1aHMO\u6a21\u5f0f\u4e0b\u7684”\u5343\u4f01\u5343\u9762”\u89e3\u51b3\u65b9\u6848 \u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u767d\u76ae\u4e66\u5bf9\u7b2c\u4e09\u65b9\u7ba1\u7406\uff08TPA\uff09\u6a21\u5f0f\u3001”\u4fdd\u9669+\u670d\u52a1”\u751f\u6001\u62fc\u76d8\u6a21\u5f0f\u4ee5\u53ca\u7ba1\u7406\u5f0f\u533b\u7597\uff08HMO\uff09\u6a21\u5f0f\u8fd9\u4e09\u5927\u5e02\u573a\u4e3b\u6d41\u670d\u52a1\u6a21\u5f0f\u8fdb\u884c\u4e86\u5bf9\u6bd4\u5206\u6790\u3002\u767d\u76ae\u4e66\u8ba4\u4e3a\uff0c\u8fd9\u4e09\u79cd\u6a21\u5f0f\u5404\u5177\u7279\u8272\uff0c\u4e3a\u4e0d\u540c\u7c7b\u578b\u7684\u4f01\u4e1a\u5ba2\u6237\u63d0\u4f9b\u4e86\u591a\u6837\u5316\u7684\u9009\u62e9\u3002\u800cHMO\u6a21\u5f0f\u5c3d\u7ba1\u7406\u8bba\u4e0a\u662f\u6700\u4f18\u89e3\uff0c\u4f46\u5728\u56fd\u5185\u843d\u5730\u65f6\u4ecd\u9762\u4e34\u8f83\u5927\u6311\u6218\u3002 \u767d\u76ae\u4e66\u540c\u65f6\u8868\u793a\uff0c\u4ece\u6838\u5fc3\u903b\u8f91\u3001\u8d44\u6e90\u638c\u63a7\u3001\u670d\u52a1\u8fde\u7eed\u6027\u4e0e\u63a7\u8d39\u80fd\u529b\u7b49\u591a\u4e2a\u7ef4\u5ea6\u6765\u770b\uff0c\u62db\u5546\u4fe1\u8bfa\u662f\u5c11\u6570\u80fd\u5168\u9762\u8d8b\u8fd1HMO\u6a21\u5f0f\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u5176\u4f18\u52bf\u6e90\u4e8e\u4e2d\u5916\u80a1\u4e1c\u7684\u6df1\u5ea6\u8d4b\u80fd\uff1a\u7f8e\u65b9\u80a1\u4e1cCigna\u62e5\u6709230\u5e74\u56fd\u9645\u5065\u5eb7\u670d\u52a1\u7ecf\u9a8c\uff0c”\u7ba1\u7406\u5f0f\u533b\u7597”\u7406\u5ff5\u5168\u7403\u9886\u5148\uff1b\u4e2d\u65b9\u80a1\u4e1c\u62db\u5546\u94f6\u884c\u5219\u4ee5\u5353\u8d8a\u670d\u52a1\u4e0e\u96f6\u552e\u91d1\u878d\u5b9e\u529b\uff0c\u6301\u7eed\u9a71\u52a8\u4e13\u4e1a\u4e0e\u670d\u52a1\u5347\u7ea7\u3002 \u5177\u4f53\u5b9e\u8df5\u4e2d\uff0c\u805a\u7126\u4e0d\u540c\u4f01\u4e1a\u7684\u6838\u5fc3\u9700\u6c42\uff0c\u62db\u5546\u4fe1\u8bfa\u53ef\u63d0\u4f9b\u6db5\u76d6\u4e2d\u9ad8\u7aef\u533b\u7597\u4fdd\u9669\u3001\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u4ee5\u53ca\u7279\u8272\u5316\u5065\u5eb7\u7ba1\u7406\u670d\u52a1\u7684\u7efc\u5408\u89e3\u51b3\u65b9\u6848\u3002\u6b64\u5916\uff0c\u8be5\u516c\u53f8\u5927\u529b\u6784\u5efa\u4e86\u5168\u751f\u547d\u5468\u671f\u7684\u5065\u5eb7\u7ba1\u7406\u670d\u52a1\u751f\u6001\uff0c\u5e76\u4f9d\u6258”\u597d\u533b\u3001\u597d\u836f\u3001\u597d\u4f53\u9a8c”\u7684\u670d\u52a1\u5185\u6838\uff0c\u7ed3\u5408”\u4e00\u7f51\u3001\u4e00\u9662\u3001\u4e00\u7ba1\u5bb6”\u7684\u8d44\u6e90\u652f\u6491\u4f53\u7cfb\uff0c\u5b9e\u73b0\u4ece”\u75be\u75c5\u8bca\u7597”\u5230”\u5168\u5468\u671f\u5065\u5eb7\u5b88\u62a4”\u7684\u670d\u52a1\u5347\u7ea7\u3002 \u767d\u76ae\u4e66\u8fd8\u6df1\u5ea6\u8c03\u7814\u4e86\u79d1\u6280\u3001\u5927\u6d88\u8d39\u3001\u6587\u5316\u6559\u80b2\uff08\u56fd\u9645\u5b66\u6821\uff09\u3001\u5148\u8fdb\u5236\u9020\u3001\u91d1\u878d\u6295\u8d44\u3001\u5f8b\u6240\u54a8\u8be2\u516d\u5927\u884c\u4e1a\uff0c\u7cbe\u51c6\u63cf\u6479\u4e86\u6838\u5fc3\u5782\u76f4\u9886\u57df\u7684\u804c\u573a\u98ce\u9669\u753b\u50cf\uff0c\u5448\u73b0\u51fa\u4e00\u5957”\u6570\u636e\u9a71\u52a8+\u573a\u666f\u9002\u914d”\u7684”\u5343\u4f01\u5343\u9762”\u5dee\u5f02\u5316\u89e3\u51b3\u65b9\u6848\uff0c\u4e3a\u4f01\u4e1a\u63d0\u4f9b\u591a\u91cd\u6838\u5fc3\u4ef7\u503c\u3002 \u4e1a\u5185\u4e13\u5bb6\u5206\u6790\u79f0\uff0c\u767d\u76ae\u4e66\u4e3a\u4f01\u4e1a\u4f18\u5316\u5065\u5eb7\u4fdd\u969c\u7b56\u7565\u63d0\u4f9b\u4e86\u7fd4\u5b9e\u7684\u6570\u636e\u53c2\u8003\uff0c\u6216\u80fd\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u76f8\u5173\u51b3\u7b56\u8005\u3001\u5065\u5eb7\u4fdd\u9669\u4e0e\u5065\u5eb7\u670d\u52a1\u4ece\u4e1a\u8005\u63d0\u4f9b\u4e00\u4efd\u9762\u5411”\u5341\u4e94\u4e94”\u7684\u884c\u52a8\u53c2\u8003\uff0c\u63a8\u52a8\u66f4\u591a\u4f01\u4e1a\u4ee5\u66f4\u7cfb\u7edf\u3001\u66f4\u53ef\u6301\u7eed\u7684\u65b9\u5f0f”\u6295\u8d44\u4e8e\u4eba”\uff0c\u4e0e\u56fd\u5bb6\u52a0\u5feb\u5efa\u8bbe”\u5065\u5eb7\u4e2d\u56fd”\u7684\u6218\u7565\u76ee\u6807\u540c\u9891\u5171\u632f\u3002 SOURCE \u62db\u5546\u4fe1\u8bfa\" \/>\n<meta property=\"og:url\" content=\"https:\/\/moneycompass.com.my\/cn\/\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66-\u5343\u4f01\u5343\u9762\/\" \/>\n<meta property=\"og:site_name\" content=\"Money Compass CN\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-10T03:27:00+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/\",\"name\":\"\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 \\\"\u5343\u4f01\u5343\u9762\\\"\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9 - Money Compass CN\",\"isPartOf\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/02\/image_971148_10232626-g2DBJe.jpeg\",\"datePublished\":\"2026-02-10T03:27:00+00:00\",\"dateModified\":\"2026-02-10T03:27:00+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#primaryimage\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/02\/image_971148_10232626-g2DBJe.jpeg\",\"contentUrl\":\"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/02\/image_971148_10232626-g2DBJe.jpeg\",\"width\":103,\"height\":144},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/moneycompass.com.my\/cn\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 “\u5343\u4f01\u5343\u9762”\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/moneycompass.com.my\/cn\/#website\",\"url\":\"https:\/\/moneycompass.com.my\/cn\/\",\"name\":\"Money Compass CN\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/moneycompass.com.my\/cn\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 \"\u5343\u4f01\u5343\u9762\"\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9 - Money Compass CN","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/moneycompass.com.my\/cn\/\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66-\u5343\u4f01\u5343\u9762\/","og_locale":"en_US","og_type":"article","og_title":"\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 \"\u5343\u4f01\u5343\u9762\"\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9 - Money Compass CN","og_description":"\u6df1\u57332026\u5e742\u670810\u65e5 \/\u7f8e\u901a\u793e\/ — \u968f\u7740\u6211\u56fd\u6b65\u5165\u9ad8\u8d28\u91cf\u53d1\u5c55\u9636\u6bb5\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u4ece\u4e00\u9879”\u884c\u653f\u6210\u672c”\uff0c\u8f6c\u53d8\u4e3a\u5173\u4e4e\u4eba\u624d\u7ade\u4e89\u4e0e\u7ec4\u7ec7\u53d1\u5c55\u7684”\u6218\u7565\u6295\u8d44”\uff0c\u5e76\u8fce\u6765\u5386\u53f2\u6027\u53d1\u5c55\u673a\u9047\u3002 \u65e5\u524d\uff0c\u62db\u5546\u4fe1\u8bfa\u4eba\u5bff\u4fdd\u9669\u6709\u9650\u516c\u53f8\uff08\u4ee5\u4e0b\u7b80\u79f0”\u62db\u5546\u4fe1\u8bfa”\uff09\u643a\u624b\u65b0\u534e\u793e\u65d7\u4e0b\u7ecf\u6d4e\u53c2\u8003\u62a5\/\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\uff08\u4ee5\u4e0b\u7b80\u79f0”\u65b0\u534e\u5065\u5eb7”\uff09\u53d1\u5e03\u7684\u300a2025\u4e2d\u56fd\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u53d1\u5c55\u767d\u76ae\u4e66\u300b\uff08\u4ee5\u4e0b\u7b80\u79f0”\u767d\u76ae\u4e66”\uff09\u63ed\u793a\u4e86\u8fd9\u4e00\u5173\u952e\u8f6c\u53d8\uff0c \u5e76\u8ba4\u4e3a\u884c\u4e1a\u5df2\u8fdb\u5165”\u5782\u76f4\u5316\u3001\u7cbe\u51c6\u5316”\u6df1\u8015\u671f\uff0c”\u5343\u4f01\u5343\u9762”\u7684\u5dee\u5f02\u5316\u89e3\u51b3\u65b9\u6848\u81f3\u5173\u91cd\u8981\u3002 \u767d\u76ae\u4e66\u7531\u56fd\u5bb6\u536b\u5065\u59d4\u536b\u751f\u53d1\u5c55\u7814\u7a76\u4e2d\u5fc3\u3001\u590d\u65e6\u5927\u5b66\u3001\u5357\u5f00\u5927\u5b66\u7684\u6743\u5a01\u4e13\u5bb6\u5171\u540c\u6307\u5bfc\u7f16\u5199\uff0c\u4e3b\u8981\u805a\u7126\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u7684\u5efa\u8bbe\u73b0\u72b6\u4e0e\u53d1\u5c55\u8d8b\u52bf\u3002 \u8c03\u7814\u6837\u672c\uff1a\u4ece\u5168\u7403\u5458\u5de5\u5230\u672c\u571f\u4f01\u4e1a \u4f5c\u4e3a\u4e13\u4e1a\u7684\u5927\u5065\u5eb7\u89e3\u51b3\u65b9\u6848\u4f9b\u5e94\u5546\uff0c\u62db\u5546\u4fe1\u8bfa\u957f\u671f\u81f4\u529b\u4e8e\u6df1\u5165\u7814\u7a76\u3001\u63a2\u7d22\u5e76\u52a9\u529b\u89e3\u51b3\u4eba\u4eec\u7684\u5065\u5eb7\u95ee\u9898\u3002\u81ea2019\u5e74\u8d77\uff0c\u62db\u5546\u4fe1\u8bfa\u57fa\u4e8e\u80a1\u4e1cCigna\u8986\u76d6\u5168\u740326\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u7684\u8c03\u7814\u6570\u636e\uff0c\u5df2\u8fde\u7eed\u7b2c\u516b\u5e74\u53d1\u5e03\u4e2d\u56fd\u5065\u5eb7\u6307\u6570\u7cfb\u5217\u76f8\u5173\u62a5\u544a\u3002 \u767d\u76ae\u4e66\u6df1\u5ea6\u5256\u6790\u4e86\u4e2d\u56fd\u5185\u5730\u4f01\u4e1a\u5458\u5de5\u5728\u6d3b\u529b\u3001\u97e7\u6027\u3001\u5065\u5eb7\u73b0\u72b6\u53ca\u798f\u5229\u504f\u597d\u7b49\u7ef4\u5ea6\u7684\u8868\u73b0\uff0c\u5e76\u4e0e\u5168\u7403\u5e73\u5747\u6c34\u5e73\u8fdb\u884c\u5bf9\u6bd4\uff0c\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u5efa\u8bbe\u63d0\u4f9b\u91cf\u5316\u53c2\u8003\u8981\u7d20\u3002\u8c03\u7814\u53d1\u73b0\uff0c\u4e2d\u56fd\u4f01\u4e1a\u5458\u5de5\u5448\u73b0”\u9ad8\u6d3b\u529b\u3001\u4f4e\u5065\u5eb7\u3001\u5f31\u652f\u6301\u3001\u5f3a\u9700\u6c42\u3001\u9ad8\u63a5\u7eb3”\u7684\u9c9c\u660e\u7279\u5f81\u3002\u4e0e\u5168\u7403\u5458\u5de5\u66f4\u770b\u91cd\u8eab\u4f53\u5065\u5eb7\u4e0d\u540c\uff0c\u4e2d\u56fd\u5458\u5de5\u5bf9\u5fc3\u7406\u5065\u5eb7\u7684\u9700\u6c42\u66f4\u4e3a\u8feb\u5207\uff0c\u4f46\u4e13\u4e1a\u670d\u52a1\u7684\u53ef\u53ca\u6027\u4e0e\u4f7f\u7528\u7387\u5904\u4e8e\u4f4e\u6c34\u5e73\u3002 2025\u5e74\uff0c\u62db\u5546\u4fe1\u8bfa\u8054\u5408\u7f8e\u4e16\uff08Mercer\uff09\u7b49\u5168\u7403\u77e5\u540d\u4eba\u529b\u8d44\u6e90\u54a8\u8be2\u673a\u6784\uff0c\u5c06\u89c6\u91ce\u6295\u5411\u9ad8\u8d28\u91cf\u53d1\u5c55\u7684\u4e2d\u575a\u529b\u91cf\u2014\u2014\u4f01\u4e1a\uff0c\u53d1\u8d77\u4e86\u4e00\u9879\u89c4\u6a21\u5316\u7684\u4e13\u9879\u8c03\u7814\u3002\u8be5\u8c03\u7814\u8986\u76d6\u4e86\u8d85\u8fc71000\u540d\u6765\u81ea\u4e0d\u540c\u884c\u4e1a\u7684\u5728\u804c\u5458\u5de5\uff0c\u4ee5\u53ca\u8fd1150\u5bb6\u4f01\u4e1a\u7684\u4f01\u4e1a\u4e3b\u3001\u4eba\u529b\u8d44\u6e90\u8d1f\u8d23\u4eba\u53ca\u6838\u5fc3\u51b3\u7b56\u8005\uff0c\u4ece\u7ec4\u7ec7\u7ba1\u7406\u4e0e\u5458\u5de5\u4f53\u9a8c\u7684\u53cc\u91cd\u89c6\u89d2\uff0c\u7cfb\u7edf\u6027\u5730\u6536\u96c6\u5e76\u5206\u6790\u4e86\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u9886\u57df\u7684\u6838\u5fc3\u6570\u636e\u3002 \u8c03\u7814\u663e\u793a\uff0c\u4f01\u4e1a\u51b3\u7b56\u8005\u4e2d\uff0c78%\u7684\u4eba\u8ba4\u4e3a\u5438\u5f15\u3001\u6fc0\u52b1\u548c\u4fdd\u7559\u4eba\u624d\uff0c\u662f\u4f01\u4e1a\u63d0\u4f9b\u56e2\u4f53\u5546\u4e1a\u4fdd\u9669\u7684\u4e3b\u8981\u76ee\u7684\uff1b\u4f01\u4e1a\u4e3a\u5458\u5de5\u63d0\u4f9b\u5065\u5eb7\u4fdd\u969c\u65f6\u7684\u4e3b\u8981\u75db\u70b9\u5728\u4e8e\uff0c\u9884\u7b97\u548c\u6210\u672c\u538b\u529b\u5927\u3001\u7f3a\u4e4f\u4e2a\u6027\u5316\u65b9\u6848\u3001\u75be\u75c5\u9884\u9632\u548c\u6162\u75c5\u7ba1\u7406\u96be\u5ea6\u5927\uff1b\u4f01\u4e1a\u9009\u62e9\u9ad8\u7aef\u533b\u7597\u4fdd\u9669\u65f6\uff0c\u6700\u5173\u6ce8\u533b\u7597\u573a\u666f\u3001\u533b\u7597\u8d44\u6e90\u548c\u4ea7\u54c1\u4ef7\u683c\u3002 \u9488\u5bf9\u4f01\u4e1a\u5458\u5de5\u7684\u8c03\u7814\u5219\u53d1\u73b0\uff0c\u8d85\u4e03\u6210\u53d7\u8bbf\u8005\u8ba4\u4e3a\uff0c\u5065\u5eb7\u798f\u5229\u5bf9\u9009\u62e9\u96c7\u4e3b\u6709\u5f71\u54cd\uff1b\u8d85\u4e94\u6210\u53d7\u8bbf\u8005\u5bf9\u4f01\u4e1a\u5065\u5eb7\u7ba1\u7406\u798f\u5229\u6ee1\u610f\uff0c\u62e5\u6709\u56e2\u4f53\u5546\u4e1a\u4fdd\u9669\u7684\u5458\u5de5\u5bf9\u4f01\u4e1a\u798f\u5229\u8868\u73b0\u51fa\u66f4\u6ee1\u610f\u7684\u6001\u5ea6\uff1b\u800c\u5458\u5de5\u6700\u671f\u5f85\u4f01\u4e1a\u52a0\u5f3a\u7684\u5065\u5eb7\u7ba1\u7406\u9879\u76ee\uff0c\u4f9d\u6b21\u4e3a”\u5e74\u5ea6\u4f53\u68c0””\u5bb6\u5c5e\u4fdd\u969c””\u5728\u7ebf\u95ee\u8bca\/\u89c6\u9891\u95ee\u8bca””\u804c\u573a\u5fc3\u7406\u5065\u5eb7\u9632\u62a4”\u7b49\u3002 “\u8fd9\u4e9b\u6570\u636e\u65e2\u6307\u51fa\u4e86\u5f53\u524d\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u4f53\u7cfb\u7684\u5173\u952e\u7f3a\u53e3\uff0c\u4e5f\u4e3a\u540e\u7eed\u4f01\u4e1a\u7ed3\u5408\u6d77\u5916\u7ecf\u9a8c\u3001\u6784\u5efa\u672c\u571f\u5316\u5065\u5eb7\u4fdd\u969c\u6a21\u5f0f\u63d0\u4f9b\u4e86\u660e\u786e\u7684\u6570\u636e\u951a\u70b9\u3002”\u56fd\u5bb6\u536b\u5065\u59d4\u536b\u751f\u53d1\u5c55\u7814\u7a76\u4e2d\u5fc3\u7814\u7a76\u5458\u3001\u5065\u5eb7\u7ecf\u6d4e\u4e0e\u4fdd\u969c\u7814\u7a76\u90e8\u526f\u90e8\u957f\u90dd\u6653\u5b81\u8bc4\u4ef7\u8bf4\u3002 \u5357\u5f00\u5927\u5b66\u536b\u751f\u7ecf\u6d4e\u4e0e\u533b\u7597\u4fdd\u969c\u7814\u7a76\u4e2d\u5fc3\u4e3b\u4efb\u6731\u94ed\u6765\u6559\u6388\u5219\u8868\u793a\uff0c\u4e2d\u56fd\u5546\u4e1a\u5065\u5eb7\u4fdd\u9669\u6b63\u5904\u4e8e\u89c4\u6a21\u589e\u957f\u7684\u5173\u952e\u62d0\u70b9\uff0c\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u6539\u9769\u662f\u89e3\u51b3\u5f53\u524d\u56f0\u5883\u7684\u91cd\u8981\u7a81\u7834\u53e3\u3002”\u5efa\u8bae\u660e\u786e\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u7684\u5236\u5ea6\u5b9a\u4f4d\uff0c\u4f18\u5316\u8d22\u7a0e\u6fc0\u52b1\u653f\u7b56\uff0c\u5e76\u5efa\u7acb\u6807\u51c6\u5316\u4ea7\u54c1\u4f53\u7cfb\uff1b\u4fdd\u9669\u884c\u4e1a\u5f00\u53d1\u5206\u5c42\u5206\u7c7b\u7684\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u4ea7\u54c1\uff1b\u642d\u5efa\u516c\u5171\u6570\u636e\u548c\u5065\u5eb7\u4fdd\u9669\u4ea4\u6613\u5e73\u53f0\uff0c\u63d0\u9ad8\u5e02\u573a\u670d\u52a1\u6548\u7387\u3001\u964d\u4f4e\u4fdd\u9669\u7ecf\u8425\u6210\u672c”\u3002 \u6838\u5fc3\u53d1\u73b0\uff1a\u4ece”\u884c\u653f\u6210\u672c”\u5230”\u6218\u7565\u8d44\u4ea7” \u968f\u7740\u4eba\u53e3\u8001\u9f84\u5316\u52a0\u5267\u3001\u6162\u6027\u75c5\u8d1f\u62c5\u52a0\u91cd\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u4ece\u8f85\u52a9\u6027\u798f\u5229\u5347\u7ea7\u4e3a”\u6295\u8d44\u4e8e\u4eba”\u7684\u6218\u7565\u8d44\u4ea7\uff0c\u6210\u4e3a\u8fde\u63a5\u56fd\u5bb6\u533b\u7597\u4fdd\u969c\u4e0e\u4e2a\u4eba\u5065\u5eb7\u9700\u6c42\u7684\u91cd\u8981\u6865\u6881\u3002 \u767d\u76ae\u4e66\u8ba4\u4e3a\uff0c\u4eba\u53e3\u8001\u9f84\u5316\u4e0e\u5ef6\u8fdf\u9000\u4f11\u7684\u8d8b\u52bf\uff0c\u6b63\u5728\u91cd\u5851\u804c\u573a\u7684\u5e74\u9f84\u7ed3\u6784\uff1b\u65b0\u751f\u4ee3\u804c\u573a\u4eba\u7fa4\u5bf9\u5fc3\u7406\u5065\u5eb7\u4e0e\u5de5\u4f5c\u4f53\u9a8c\u7684\u8ffd\u6c42\uff0c\u4e5f\u5728\u5012\u903c\u7ba1\u7406\u6a21\u5f0f\u7684\u9769\u65b0\uff1b\u533b\u4fdd\u63a7\u8d39\u7684\u73b0\u5b9e\u538b\u529b\uff0c\u5219\u8ba9\u4f01\u4e1a\u548c\u5458\u5de5\u540c\u65f6\u9762\u4e34”\u5065\u5eb7\u9700\u6c42\u5347\u7ea7”\u4e0e”\u652f\u4ed8\u4f53\u7cfb\u91cd\u6784”\u7684\u53cc\u91cd\u6311\u6218\u3002 \u767d\u76ae\u4e66\u5f3a\u8c03\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u5df2\u5b8c\u6210\u4ece”\u884c\u653f\u6210\u672c”\u5411”\u6218\u7565\u6295\u8d44”\u7684\u5b9a\u6027\u8f6c\u53d8\u3002\u8fd9\u4e00\u8f6c\u53d8\u5177\u4f53\u8868\u73b0\u5728\uff1a\u4eba\u624d\u6fc0\u52b1\u2014\u2014\u5c06\u4e00\u5b9a\u73b0\u91d1\u6536\u5165\u8f6c\u5316\u4e3a\u9ad8\u7aef\u533b\u7597\u798f\u5229\uff0c\u80fd\u4e3a\u6838\u5fc3\u4eba\u624d\u5e26\u6765\u66f4\u5f3a\u7684\u611f\u77e5\u5ea6\u4e0e\u83b7\u5f97\u611f\uff0c\u6027\u4ef7\u6bd4\u8fdc\u8d85\u7a0e\u540e\u73b0\u91d1\u6fc0\u52b1\uff1b\u798f\u5229\u5347\u7ea7\u2014\u2014\u4e3a\u5df2\u6709\u57fa\u7840\u4fdd\u969c\u7684\u4f01\u4e1a\u63d0\u4f9b”\u4fdd\u969c\u5347\u7ea7+\u670d\u52a1\u52a0\u7801”\u7684\u6574\u4f53\u89e3\u51b3\u65b9\u6848\uff0c\u63d0\u5347\u6574\u4f53\u798f\u5229\u7ade\u4e89\u529b\uff1b\u98ce\u9669\u8f6c\u79fb\u4e0e\u6548\u7387\u63d0\u5347\u2014\u2014\u901a\u8fc7\u4fdd\u9669\u673a\u5236\u9501\u5b9a\u533b\u7597\u6210\u672c\uff0c\u5e76\u901a\u8fc7\u4fdd\u9669\u673a\u6784\u7684\u4e13\u4e1a\u670d\u52a1\uff0c\u5927\u5e45\u51cf\u5c11\u4f01\u4e1a\u4eba\u529b\u8d44\u6e90\u7ba1\u7406\u90e8\u95e8\u5728\u5458\u5de5\u533b\u7597\u4e8b\u52a1\u4e0a\u7684\u7ba1\u7406\u8d1f\u62c5\u3002 “\u2018\u5341\u4e94\u4e94’\u89c4\u5212\u5efa\u8bae\u660e\u786e\u63d0\u51fa\u2018\u53d1\u6325\u5404\u7c7b\u5546\u4e1a\u4fdd\u9669\u8865\u5145\u4fdd\u969c\u4f5c\u7528’\uff0c\u52a0\u4e4b\u76f8\u5173\u7a0e\u6536\u4f18\u60e0\u3001\u653f\u7b56\u6276\u6301\u7b49\u653f\u7b56\u63aa\u65bd\u9010\u6b65\u843d\u5730\uff0c\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u8fce\u6765\u4e86\u5386\u53f2\u6027\u53d1\u5c55\u673a\u9047\u3002”\u590d\u65e6\u5927\u5b66\u7ecf\u6d4e\u5b66\u9662\u98ce\u9669\u7ba1\u7406\u4e0e\u4fdd\u9669\u5b66\u7cfb\u526f\u6559\u6388\u3001\u590d\u65e6\u5927\u5b66\u7eff\u8272\u91d1\u878d\u7814\u7a76\u4e2d\u5fc3\u7814\u7a76\u5458\u9648\u51ac\u6885\u8868\u793a\u3002 \u672c\u571f\u5b9e\u8df5\uff1aHMO\u6a21\u5f0f\u4e0b\u7684”\u5343\u4f01\u5343\u9762”\u89e3\u51b3\u65b9\u6848 \u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u767d\u76ae\u4e66\u5bf9\u7b2c\u4e09\u65b9\u7ba1\u7406\uff08TPA\uff09\u6a21\u5f0f\u3001”\u4fdd\u9669+\u670d\u52a1”\u751f\u6001\u62fc\u76d8\u6a21\u5f0f\u4ee5\u53ca\u7ba1\u7406\u5f0f\u533b\u7597\uff08HMO\uff09\u6a21\u5f0f\u8fd9\u4e09\u5927\u5e02\u573a\u4e3b\u6d41\u670d\u52a1\u6a21\u5f0f\u8fdb\u884c\u4e86\u5bf9\u6bd4\u5206\u6790\u3002\u767d\u76ae\u4e66\u8ba4\u4e3a\uff0c\u8fd9\u4e09\u79cd\u6a21\u5f0f\u5404\u5177\u7279\u8272\uff0c\u4e3a\u4e0d\u540c\u7c7b\u578b\u7684\u4f01\u4e1a\u5ba2\u6237\u63d0\u4f9b\u4e86\u591a\u6837\u5316\u7684\u9009\u62e9\u3002\u800cHMO\u6a21\u5f0f\u5c3d\u7ba1\u7406\u8bba\u4e0a\u662f\u6700\u4f18\u89e3\uff0c\u4f46\u5728\u56fd\u5185\u843d\u5730\u65f6\u4ecd\u9762\u4e34\u8f83\u5927\u6311\u6218\u3002 \u767d\u76ae\u4e66\u540c\u65f6\u8868\u793a\uff0c\u4ece\u6838\u5fc3\u903b\u8f91\u3001\u8d44\u6e90\u638c\u63a7\u3001\u670d\u52a1\u8fde\u7eed\u6027\u4e0e\u63a7\u8d39\u80fd\u529b\u7b49\u591a\u4e2a\u7ef4\u5ea6\u6765\u770b\uff0c\u62db\u5546\u4fe1\u8bfa\u662f\u5c11\u6570\u80fd\u5168\u9762\u8d8b\u8fd1HMO\u6a21\u5f0f\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u5176\u4f18\u52bf\u6e90\u4e8e\u4e2d\u5916\u80a1\u4e1c\u7684\u6df1\u5ea6\u8d4b\u80fd\uff1a\u7f8e\u65b9\u80a1\u4e1cCigna\u62e5\u6709230\u5e74\u56fd\u9645\u5065\u5eb7\u670d\u52a1\u7ecf\u9a8c\uff0c”\u7ba1\u7406\u5f0f\u533b\u7597”\u7406\u5ff5\u5168\u7403\u9886\u5148\uff1b\u4e2d\u65b9\u80a1\u4e1c\u62db\u5546\u94f6\u884c\u5219\u4ee5\u5353\u8d8a\u670d\u52a1\u4e0e\u96f6\u552e\u91d1\u878d\u5b9e\u529b\uff0c\u6301\u7eed\u9a71\u52a8\u4e13\u4e1a\u4e0e\u670d\u52a1\u5347\u7ea7\u3002 \u5177\u4f53\u5b9e\u8df5\u4e2d\uff0c\u805a\u7126\u4e0d\u540c\u4f01\u4e1a\u7684\u6838\u5fc3\u9700\u6c42\uff0c\u62db\u5546\u4fe1\u8bfa\u53ef\u63d0\u4f9b\u6db5\u76d6\u4e2d\u9ad8\u7aef\u533b\u7597\u4fdd\u9669\u3001\u56e2\u4f53\u8865\u5145\u533b\u7597\u4fdd\u9669\u4ee5\u53ca\u7279\u8272\u5316\u5065\u5eb7\u7ba1\u7406\u670d\u52a1\u7684\u7efc\u5408\u89e3\u51b3\u65b9\u6848\u3002\u6b64\u5916\uff0c\u8be5\u516c\u53f8\u5927\u529b\u6784\u5efa\u4e86\u5168\u751f\u547d\u5468\u671f\u7684\u5065\u5eb7\u7ba1\u7406\u670d\u52a1\u751f\u6001\uff0c\u5e76\u4f9d\u6258”\u597d\u533b\u3001\u597d\u836f\u3001\u597d\u4f53\u9a8c”\u7684\u670d\u52a1\u5185\u6838\uff0c\u7ed3\u5408”\u4e00\u7f51\u3001\u4e00\u9662\u3001\u4e00\u7ba1\u5bb6”\u7684\u8d44\u6e90\u652f\u6491\u4f53\u7cfb\uff0c\u5b9e\u73b0\u4ece”\u75be\u75c5\u8bca\u7597”\u5230”\u5168\u5468\u671f\u5065\u5eb7\u5b88\u62a4”\u7684\u670d\u52a1\u5347\u7ea7\u3002 \u767d\u76ae\u4e66\u8fd8\u6df1\u5ea6\u8c03\u7814\u4e86\u79d1\u6280\u3001\u5927\u6d88\u8d39\u3001\u6587\u5316\u6559\u80b2\uff08\u56fd\u9645\u5b66\u6821\uff09\u3001\u5148\u8fdb\u5236\u9020\u3001\u91d1\u878d\u6295\u8d44\u3001\u5f8b\u6240\u54a8\u8be2\u516d\u5927\u884c\u4e1a\uff0c\u7cbe\u51c6\u63cf\u6479\u4e86\u6838\u5fc3\u5782\u76f4\u9886\u57df\u7684\u804c\u573a\u98ce\u9669\u753b\u50cf\uff0c\u5448\u73b0\u51fa\u4e00\u5957”\u6570\u636e\u9a71\u52a8+\u573a\u666f\u9002\u914d”\u7684”\u5343\u4f01\u5343\u9762”\u5dee\u5f02\u5316\u89e3\u51b3\u65b9\u6848\uff0c\u4e3a\u4f01\u4e1a\u63d0\u4f9b\u591a\u91cd\u6838\u5fc3\u4ef7\u503c\u3002 \u4e1a\u5185\u4e13\u5bb6\u5206\u6790\u79f0\uff0c\u767d\u76ae\u4e66\u4e3a\u4f01\u4e1a\u4f18\u5316\u5065\u5eb7\u4fdd\u969c\u7b56\u7565\u63d0\u4f9b\u4e86\u7fd4\u5b9e\u7684\u6570\u636e\u53c2\u8003\uff0c\u6216\u80fd\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u76f8\u5173\u51b3\u7b56\u8005\u3001\u5065\u5eb7\u4fdd\u9669\u4e0e\u5065\u5eb7\u670d\u52a1\u4ece\u4e1a\u8005\u63d0\u4f9b\u4e00\u4efd\u9762\u5411”\u5341\u4e94\u4e94”\u7684\u884c\u52a8\u53c2\u8003\uff0c\u63a8\u52a8\u66f4\u591a\u4f01\u4e1a\u4ee5\u66f4\u7cfb\u7edf\u3001\u66f4\u53ef\u6301\u7eed\u7684\u65b9\u5f0f”\u6295\u8d44\u4e8e\u4eba”\uff0c\u4e0e\u56fd\u5bb6\u52a0\u5feb\u5efa\u8bbe”\u5065\u5eb7\u4e2d\u56fd”\u7684\u6218\u7565\u76ee\u6807\u540c\u9891\u5171\u632f\u3002 SOURCE \u62db\u5546\u4fe1\u8bfa","og_url":"https:\/\/moneycompass.com.my\/cn\/\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66-\u5343\u4f01\u5343\u9762\/","og_site_name":"Money Compass CN","article_published_time":"2026-02-10T03:27:00+00:00","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/","url":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/","name":"\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 \"\u5343\u4f01\u5343\u9762\"\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9 - Money Compass CN","isPartOf":{"@id":"https:\/\/moneycompass.com.my\/cn\/#website"},"primaryImageOfPage":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#primaryimage"},"image":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#primaryimage"},"thumbnailUrl":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/02\/image_971148_10232626-g2DBJe.jpeg","datePublished":"2026-02-10T03:27:00+00:00","dateModified":"2026-02-10T03:27:00+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#primaryimage","url":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/02\/image_971148_10232626-g2DBJe.jpeg","contentUrl":"https:\/\/moneycompass.com.my\/cn\/wp-content\/uploads\/2026\/02\/image_971148_10232626-g2DBJe.jpeg","width":103,"height":144},{"@type":"BreadcrumbList","@id":"https:\/\/moneycompass.com.my\/cn\/%e6%8b%9b%e5%95%86%e4%bf%a1%e8%af%ba%e6%90%ba%e6%89%8b%e6%96%b0%e5%8d%8e%e5%81%a5%e5%ba%b7%e5%b9%b3%e5%8f%b0%e5%8f%91%e5%b8%83%e7%99%bd%e7%9a%ae%e4%b9%a6-%e5%8d%83%e4%bc%81%e5%8d%83%e9%9d%a2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/moneycompass.com.my\/cn\/"},{"@type":"ListItem","position":2,"name":"\u62db\u5546\u4fe1\u8bfa\u643a\u624b\u65b0\u534e\u5065\u5eb7\u5e73\u53f0\u53d1\u5e03\u767d\u76ae\u4e66 “\u5343\u4f01\u5343\u9762”\u89e3\u51b3\u4f01\u4e1a\u5065\u5eb7\u4fdd\u969c\u6838\u5fc3\u75db\u70b9"}]},{"@type":"WebSite","@id":"https:\/\/moneycompass.com.my\/cn\/#website","url":"https:\/\/moneycompass.com.my\/cn\/","name":"Money Compass CN","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/moneycompass.com.my\/cn\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/posts\/21561"}],"collection":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/comments?post=21561"}],"version-history":[{"count":0,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/posts\/21561\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/media\/21562"}],"wp:attachment":[{"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/media?parent=21561"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/categories?post=21561"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneycompass.com.my\/cn\/wp-json\/wp\/v2\/tags?post=21561"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}