{"id":21058,"date":"2026-05-18T02:16:49","date_gmt":"2026-05-18T02:16:49","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21058"},"modified":"2026-05-18T02:16:49","modified_gmt":"2026-05-18T02:16:49","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9a%e8%bf%99%e5%87%a0%e4%b8%aa-%e5%9c%a8%e4%bf%9d%e9%99%a9%e4%b8%ad%e7%9a%84%e6%84%8f%e4%b9%89-%ef%bc%9a-floater-endorsement-rider-separate-policy","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21058","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1a\u8fd9\u51e0\u4e2a \u5728\u4fdd\u9669\u4e2d\u7684\u610f\u4e49 \uff1a Floater , Endorsement , Rider , Separate policy"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u5728\u4fdd\u9669\u91cc\uff0c\u8fd9\u51e0\u4e2a\u8bcd\u90fd\u548c**\u201c\u4fdd\u5355\u7ed3\u6784 \/ \u9644\u52a0\u4fdd\u969c\u201d<strong>\u6709\u5173\uff0c\u4f46\u542b\u4e49\u548c\u4f7f\u7528\u573a\u666f\u4e0d\u4e00\u6837\u3002\u53ef\u4ee5\u6309<\/strong>\u4ece\u201c\u9644\u52a0\u6761\u6b3e\u201d\u5230\u201c\u72ec\u7acb\u4fdd\u5355\u201d**\u8fd9\u6837\u7406\u89e3\uff1a<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; <strong>Floater\uff08\u6d6e\u52a8\u4fdd\u9669 \/ \u6d6e\u52a8\u6761\u6b3e\uff09<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Floater<\/strong> \u6307\u7684\u662f\u4e00\u79cd<strong>\u4fdd\u969c\u53ef\u4ee5\u5728\u591a\u4e2a\u5bf9\u8c61\u4e4b\u95f4\u201c\u5171\u4eab\u201d\u6216\u201c\u6d6e\u52a8\u201d\u4f7f\u7528\u7684\u4fdd\u9669\u65b9\u5f0f<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e38\u89c1\u7279\u70b9\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e00\u4efd\u4fdd\u9669<\/li>\n\n\n\n<li>\u8986\u76d6\u591a\u4e2a\u5bf9\u8c61<\/li>\n\n\n\n<li>\u4fdd\u989d\u53ef\u4ee5\u5728\u5bf9\u8c61\u4e4b\u95f4\u7075\u6d3b\u4f7f\u7528<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f4cc; \u5e38\u89c1\u4f8b\u5b50\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5bb6\u5ead\u8d22\u4ea7 Floater<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e00\u4efd\u4fdd\u5355<\/li>\n\n\n\n<li>\u8986\u76d6\u591a\u4e2a\u8d35\u91cd\u7269\u54c1\n<ul class=\"wp-block-list\">\n<li>\u624b\u8868<\/li>\n\n\n\n<li>\u73e0\u5b9d<\/li>\n\n\n\n<li>\u76f8\u673a<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u603b\u4fdd\u989d\u662f <strong>$50,000<\/strong>\uff0c\u4efb\u4f55\u4e00\u4ef6\u635f\u5931\u90fd\u53ef\u4ee5\u4f7f\u7528\u8fd9\u4e2a\u989d\u5ea6\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5bb6\u5ead\u533b\u7597 Floater\uff08\u4e9a\u6d32\u5e38\u89c1\uff09<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e00\u4efd\u4fdd\u5355<\/li>\n\n\n\n<li>\u8986\u76d6\u5168\u5bb6\u4eba<\/li>\n\n\n\n<li>\u4fdd\u989d\u5171\u7528<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u6838\u5fc3\uff1a<strong>\u4fdd\u989d\u662f\u5171\u4eab\/\u6d6e\u52a8\u7684<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; <strong>Endorsement\uff08\u6279\u5355 \/ \u4fdd\u5355\u6279\u6ce8\uff09<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Endorsement<\/strong> \u662f\u6700\u5e38\u89c1\u7684\u4fdd\u9669\u672f\u8bed\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6307\u7684\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u5bf9\u539f\u6709\u4fdd\u5355\u8fdb\u884c <strong>\u4fee\u6539\u6216\u8865\u5145\u7684\u6b63\u5f0f\u6587\u4ef6<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u589e\u52a0\u4fdd\u969c<\/li>\n\n\n\n<li>\u5220\u9664\u4fdd\u969c<\/li>\n\n\n\n<li>\u4fee\u6539\u6761\u6b3e<\/li>\n\n\n\n<li>\u4fee\u6539\u88ab\u4fdd\u9669\u4eba<\/li>\n\n\n\n<li>\u4fee\u6539\u5730\u5740<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f4cc; \u4f8b\u5982<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u4fdd\u5355\u4e0d\u4fdd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5730\u9707<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u540e\u6765\u589e\u52a0\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Earthquake Endorsement<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u5355\u5c31\u4f1a\u591a\u4e00\u4e2a\u6279\u5355\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u6838\u5fc3\uff1a<br><strong>\u6b63\u5f0f\u4fee\u6539\u539f\u4fdd\u5355\u6761\u6b3e<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; <strong>Rider\uff08\u9644\u52a0\u9669\uff09<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rider<\/strong> \u4e3b\u8981\u7528\u5728 <strong>\u4eba\u5bff\u4fdd\u9669 \/ \u5065\u5eb7\u4fdd\u9669<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u9644\u52a0\u5728\u4e3b\u9669\u4e0a\u7684\u989d\u5916\u4fdd\u969c<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u7279\u70b9\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5fc5\u987b\u4f9d\u9644\u4e3b\u9669<\/li>\n\n\n\n<li>\u4e0d\u80fd\u5355\u72ec\u5b58\u5728<\/li>\n\n\n\n<li>\u901a\u5e38\u9700\u8981\u989d\u5916\u4fdd\u8d39<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f4cc; \u5e38\u89c1\u4f8b\u5b50<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 <strong>\u5bff\u9669\uff08Life Insurance\uff09<\/strong> \u4e2d\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>ider<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>Critical Illness Rider<\/td><td>\u91cd\u75be\u9644\u52a0\u9669<\/td><\/tr><tr><td>Disability Rider<\/td><td>\u5931\u80fd\u9644\u52a0\u9669<\/td><\/tr><tr><td>Accidental Death Rider<\/td><td>\u610f\u5916\u8eab\u6545<\/td><\/tr><tr><td>Waiver of Premium Rider<\/td><td>\u8c41\u514d\u4fdd\u8d39<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u6838\u5fc3<br><strong>\u4e3b\u9669 + \u9644\u52a0\u4fdd\u969c<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4&#xfe0f;&#x20e3; <strong>Separate Policy\uff08\u72ec\u7acb\u4fdd\u5355\uff09<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u6700\u5bb9\u6613\u7406\u89e3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Separate policy = \u5b8c\u5168\u72ec\u7acb\u7684\u4e00\u5f20\u4fdd\u9669<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7279\u70b9\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5355\u72ec\u5408\u540c<\/li>\n\n\n\n<li>\u5355\u72ec\u4fdd\u8d39<\/li>\n\n\n\n<li>\u5355\u72ec\u4fdd\u989d<\/li>\n\n\n\n<li>\u4e0d\u4f9d\u8d56\u5176\u4ed6\u4fdd\u5355<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f4cc; \u4f8b\u5b50<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u53ef\u80fd\u6709\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u623f\u5c4b\u4fdd\u9669<\/li>\n\n\n\n<li>\u6c7d\u8f66\u4fdd\u9669<\/li>\n\n\n\n<li>\u65c5\u6e38\u4fdd\u9669<\/li>\n\n\n\n<li>\u4eba\u5bff\u4fdd\u9669<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u4e00\u4e2a\u90fd\u662f <strong>separate policy<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e09\u4e2a\u8bcd\u5728\u533b\u7597\u4fdd\u9669\u91cc\u975e\u5e38\u5e38\u89c1\uff0c\u800c\u4e14\u5f88\u591a\u4eba\u7b2c\u4e00\u6b21\u770b\u4fdd\u5355\u90fd\u4f1a\u641e\u6df7\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Deductible<\/strong><\/li>\n\n\n\n<li><strong>Copay<\/strong><\/li>\n\n\n\n<li><strong>Coinsurance<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u7528\u4e00\u4e2a<strong>\u7b80\u5355\u7684\u533b\u7597\u8d26\u5355\u4f8b\u5b50<\/strong>\u8bb2\u6e05\u695a\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; Deductible\uff08\u514d\u8d54\u989d\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Deductible = \u4f60\u4e00\u5e74\u91cc\u9700\u8981\u5148\u81ea\u5df1\u627f\u62c5\u7684\u91d1\u989d\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u8fbe\u5230\u8fd9\u4e2a\u91d1\u989d\u4e4b\u524d\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u4fdd\u9669\u516c\u53f8\u57fa\u672c\u4e0d\u4ed8\u94b1<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u5b50<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u7684\u4fdd\u9669\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Annual Deductible\uff1a<strong>$1,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4eca\u5e74\u4f60\u53bb\u770b\u75c5\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u533b\u7597\u8d39\u7528<\/th><th>\u8c01\u4ed8<\/th><\/tr><\/thead><tbody><tr><td>\u7b2c\u4e00\u6b21 $300<\/td><td>\u4f60\u4ed8<\/td><\/tr><tr><td>\u7b2c\u4e8c\u6b21 $400<\/td><td>\u4f60\u4ed8<\/td><\/tr><tr><td>\u7b2c\u4e09\u6b21 $300<\/td><td>\u4f60\u4ed8<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u7d2f\u8ba1 <strong>$1,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u65f6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>Deductible \u8fbe\u5230<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece\u6b64\u4ee5\u540e\u4fdd\u9669\u5f00\u59cb\u53c2\u4e0e\u652f\u4ed8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; Copay\uff08\u56fa\u5b9a\u81ea\u4ed8\u989d\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Copay = \u6bcf\u6b21\u770b\u533b\u751f\u4f60\u56fa\u5b9a\u8981\u4ed8\u7684\u4e00\u5c0f\u90e8\u5206<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$20<\/li>\n\n\n\n<li>$30<\/li>\n\n\n\n<li>$50<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u7ba1\u533b\u7597\u8d39\u7528\u591a\u5c11\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u5b50<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u7684\u4fdd\u9669\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Doctor visit copay\uff1a<strong>$25<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u53bb\u770b\u533b\u751f\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u533b\u7597\u8d39\u7528<\/th><th>\u4f60\u4ed8<\/th><th>\u4fdd\u9669\u4ed8<\/th><\/tr><\/thead><tbody><tr><td>$200<\/td><td>$25<\/td><td>$175<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u56fa\u5b9a\u91d1\u989d<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; Coinsurance\uff08\u6bd4\u4f8b\u5171\u4ed8\uff09<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coinsurance = \u8fbe\u5230 deductible \u540e\uff0c\u4f60\u548c\u4fdd\u9669\u6309\u6bd4\u4f8b\u5206\u644a\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e38\u89c1\u6bd4\u4f8b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>80\/20<\/strong><\/li>\n\n\n\n<li><strong>90\/10<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u610f\u601d\u662f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u9669\u4ed8 <strong>80%<\/strong><\/li>\n\n\n\n<li>\u4f60\u4ed8 <strong>20%<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u5b50<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Deductible \u5df2\u7ecf\u8fbe\u5230\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u533b\u7597\u8d26\u5355\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$1,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coinsurance\uff1a<strong>80\/20<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u652f\u4ed8\u65b9<\/th><th>\u91d1\u989d<\/th><\/tr><\/thead><tbody><tr><td>\u4fdd\u9669\u516c\u53f8<\/td><td>$800<\/td><\/tr><tr><td>\u4f60<\/td><td>$200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4ca; \u4e00\u5f20\u8868\u770b\u61c2<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u540d\u8bcd<\/th><th>\u542b\u4e49<\/th><th>\u7279\u70b9<\/th><\/tr><\/thead><tbody><tr><td>Deductible<\/td><td>\u5e74\u5ea6\u514d\u8d54\u989d<\/td><td>\u5148\u81ea\u5df1\u4ed8\u5230\u4e00\u5b9a\u91d1\u989d<\/td><\/tr><tr><td>Copay<\/td><td>\u56fa\u5b9a\u81ea\u4ed8<\/td><td>\u6bcf\u6b21\u770b\u75c5\u56fa\u5b9a\u91d1\u989d<\/td><\/tr><tr><td>Coinsurance<\/td><td>\u6309\u6bd4\u4f8b\u5206\u644a<\/td><td>\u8fbe\u5230 deductible \u540e<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0b\u9762\u8fd9\u4e2a\u6982\u5ff5\u5176\u5b9e\u662f\u5f88\u591a\u533b\u7597\u8d26\u5355\u95ee\u9898\u7684<strong>\u6838\u5fc3\u539f\u56e0<\/strong>\uff1a<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">UCR\uff08Usual, Customary &amp; Reasonable\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Usual, Customary and Reasonable<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e2d\u6587\u4e00\u822c\u7406\u89e3\u4e3a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201c\u901a\u5e38\u3001\u60ef\u5e38\u3001\u5408\u7406\u8d39\u7528\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u610f\u601d\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u9669\u516c\u53f8\u8ba4\u4e3a\u5728\u67d0\u4e2a\u5730\u533a\u67d0\u79cd\u533b\u7597\u670d\u52a1\u201c\u5408\u7406\u201d\u7684\u6536\u8d39\u6807\u51c6\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u901a\u5e38\u53ea\u6309 <strong>UCR\u4ef7\u683c<\/strong> \u6765\u8ba1\u7b97\u8d54\u4ed8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; \u4e3a\u4ec0\u4e48 UCR \u5f88\u91cd\u8981<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u533b\u9662\u6216\u533b\u751f\u7684\u6536\u8d39\u53ef\u80fd\u5dee\u522b\u5f88\u5927\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\u540c\u4e00\u4e2a\u68c0\u67e5\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u533b\u9662<\/th><th>\u6536\u8d39<\/th><\/tr><\/thead><tbody><tr><td>A\u533b\u9662<\/td><td>$350<\/td><\/tr><tr><td>B\u533b\u9662<\/td><td>$700<\/td><\/tr><tr><td>C\u533b\u9662<\/td><td>$1,200<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u4f1a\u6839\u636e\u5f53\u5730\u5e02\u573a\u7edf\u8ba1\uff0c\u8ba4\u5b9a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>UCR = $400<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u4fdd\u9669\u53ea\u6309 <strong>$400<\/strong> \u8ba1\u7b97\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; \u5b9e\u9645\u8d54\u4ed8\u4f8b\u5b50<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u533b\u751f\u6536\u8d39\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$1,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u8ba4\u5b9a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>UCR = $600<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u653f\u7b56\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>80\/20 coinsurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8ba1\u7b97\u8fc7\u7a0b\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; \u4fdd\u9669\u6309 <strong>$600<\/strong> \u8ba1\u7b97<br>2&#xfe0f;&#x20e3; \u4fdd\u9669\u652f\u4ed8 80%<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u91d1\u989d<\/th><\/tr><\/thead><tbody><tr><td>\u4fdd\u9669\u652f\u4ed8<\/td><td>$480<\/td><\/tr><tr><td>\u4f60 coinsurance<\/td><td>$120<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u533b\u751f\u6536\u8d39\u662f <strong>$1,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5dee\u989d\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$1,000 \u2212 $600 = <strong>$400<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9 <strong>$400<\/strong> \u53ef\u80fd\u5c31\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>Balance Billing<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; UCR \u4e3a\u4ec0\u4e48\u5b58\u5728<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u8bbe\u5b9a UCR \u4e3b\u8981\u662f\u4e3a\u4e86\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1&#xfe0f;&#x20e3; \u9632\u6b62\u533b\u7597\u6536\u8d39\u65e0\u9650\u4e0a\u6da8<br>2&#xfe0f;&#x20e3; \u63a7\u5236\u4fdd\u9669\u6210\u672c<br>3&#xfe0f;&#x20e3; \u7ef4\u6301\u5e02\u573a\u5e73\u5747\u4ef7\u683c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4fdd\u9669\u516c\u53f8\u4f1a\u6839\u636e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5730\u533a\u533b\u7597\u4ef7\u683c<\/li>\n\n\n\n<li>\u533b\u7597\u7edf\u8ba1\u6570\u636e<\/li>\n\n\n\n<li>\u5386\u53f2\u6536\u8d39\u8bb0\u5f55<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6765\u8ba1\u7b97 UCR\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">4&#xfe0f;&#x20e3; In-Network \u5c31\u4e0d\u4f1a\u6709\u8fd9\u4e2a\u95ee\u9898<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u533b\u751f\u662f <strong>In-Network<\/strong>\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u533b\u751f\u5df2\u7ecf\u63a5\u53d7\u4fdd\u9669\u516c\u53f8\u7684\u534f\u8bae\u4ef7\u683c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u533b\u751f\u6536\u8d39\uff1a$1,000<br>\u534f\u8bae\u4ef7\uff1a$600<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u533b\u751f\u5fc5\u987b\u63a5\u53d7 <strong>$600<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u80fd\u518d\u6536\u5dee\u4ef7\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4ca; \u7b80\u5355\u7406\u89e3<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>\u533b\u751f\u6536\u8d39<\/td><td>\u5b9e\u9645\u4ef7\u683c<\/td><\/tr><tr><td>UCR<\/td><td>\u4fdd\u9669\u8ba4\u53ef\u4ef7\u683c<\/td><\/tr><tr><td>Balance Billing<\/td><td>\u533b\u751f\u5411\u4f60\u6536\u53d6\u7684\u5dee\u4ef7<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u4e00\u53e5\u8bdd\u603b\u7ed3<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>UCR = \u4fdd\u9669\u516c\u53f8\u8ba4\u53ef\u7684\u201c\u5408\u7406\u6536\u8d39\u6807\u51c6\u201d\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u533b\u751f\u6536\u8d39\u9ad8\u4e8e\u8fd9\u4e2a\u6807\u51c6\uff0c<br>\u5dee\u989d\u5c31\u53ef\u80fd\u53d8\u6210 <strong>Balance Billing<\/strong>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u613f\u610f\uff0c\u6211\u8fd8\u53ef\u4ee5\u518d\u8bb2\u4e00\u4e2a<strong>\u4fdd\u9669\u884c\u4e1a\u975e\u5e38\u6838\u5fc3\u4f46\u5916\u884c\u51e0\u4e4e\u4e0d\u77e5\u9053\u7684\u6982\u5ff5<\/strong>\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loss Ratio\uff08\u8d54\u4ed8\u7387\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u5b9e\u8fd9\u5c31\u662f\u4e3a\u4ec0\u4e48\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6709\u4e9b\u4fdd\u9669\u8d8a\u6765\u8d8a\u8d35<\/li>\n\n\n\n<li>\u6709\u4e9b\u4fdd\u9669\u516c\u53f8\u7a81\u7136\u9000\u51fa\u5e02\u573a<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u80cc\u540e\u7684\u5173\u952e\u6307\u6807\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loss Ratio<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Loss Ratio\uff08\u8d54\u4ed8\u7387\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Loss Ratio<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loss Ratio = \u4fdd\u9669\u516c\u53f8\u8d54\u51fa\u53bb\u7684\u94b1 \u00f7 \u6536\u5230\u7684\u4fdd\u8d39<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u4fdd\u9669\u884c\u4e1a\u6700\u6838\u5fc3\u7684\u7ecf\u8425\u6307\u6807\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u5355\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u9669\u516c\u53f8\u6bcf\u6536 $100 \u4fdd\u8d39\uff0c\u8981\u8d54\u51fa\u53bb\u591a\u5c11\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h1 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; \u516c\u5f0f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Loss Ratio \u8ba1\u7b97\u516c\u5f0f\uff1a<math xmlns=\"http:\/\/www.w3.org\/1998\/Math\/MathML\" display=\"block\"><semantics><mrow><mtext>Loss&nbsp;Ratio<\/mtext><mo>=<\/mo><mfrac><mtext>Claims&nbsp;Paid<\/mtext><mtext>Premiums&nbsp;Collected<\/mtext><\/mfrac><\/mrow><annotation encoding=\"application\/x-tex\">\\text{Loss Ratio} = \\frac{\\text{Claims Paid}}{\\text{Premiums Collected}}<\/annotation><\/semantics><\/math>Loss&nbsp;Ratio=Premiums&nbsp;CollectedClaims&nbsp;Paid\u200b<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u610f\u601d\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u8d54\u4ed8\u91d1\u989d \u00f7 \u4fdd\u8d39\u6536\u5165<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; \u7b80\u5355\u4f8b\u5b50<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u67d0\u4fdd\u9669\u516c\u53f8\u4e00\u5e74\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6536\u4fdd\u8d39\uff1a$10,000,000<\/li>\n\n\n\n<li>\u8d54\u4ed8\uff1a$7,000,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8ba1\u7b97\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loss Ratio = 7,000,000 \u00f7 10,000,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">= <strong>70%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u610f\u601d\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u6bcf $100 \u4fdd\u8d39\u8d54 <strong>$70<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; \u4e0d\u540c\u8d54\u4ed8\u7387\u610f\u5473\u7740\u4ec0\u4e48<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Loss Ratio<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>40%<\/td><td>\u8d54\u4ed8\u5f88\u4f4e\uff0c\u5229\u6da6\u9ad8<\/td><\/tr><tr><td>60\u201370%<\/td><td>\u5065\u5eb7\u6c34\u5e73<\/td><\/tr><tr><td>80\u201390%<\/td><td>\u5229\u6da6\u53d8\u8584<\/td><\/tr><tr><td>&gt;100%<\/td><td>\u8d54\u7684\u94b1\u6bd4\u4fdd\u8d39\u591a<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loss Ratio = 110%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bf4\u660e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6536 $100 \u4fdd\u8d39<\/li>\n\n\n\n<li>\u8d54 $110<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u4fdd\u9669\u4e1a\u52a1\u4e8f\u635f<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">4&#xfe0f;&#x20e3; \u4e3a\u4ec0\u4e48\u4fdd\u9669\u516c\u53f8\u8fd8\u53ef\u80fd\u8d5a\u94b1<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f\u8d54\u4ed8\u7387\u9ad8\uff0c\u4fdd\u9669\u516c\u53f8\u4ecd\u7136\u53ef\u80fd\u76c8\u5229\uff0c\u56e0\u4e3a\u8fd8\u6709\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; \u6295\u8d44\u6536\u5165<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u4f1a\u6295\u8d44\u4fdd\u8d39\uff0c\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u503a\u5238<\/li>\n\n\n\n<li>\u80a1\u7968<\/li>\n\n\n\n<li>\u623f\u5730\u4ea7<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u65f6\u6295\u8d44\u6536\u76ca\u975e\u5e38\u5927\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; Combined Ratio<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u884c\u4e1a\u66f4\u5e38\u770b\u7684\u6307\u6807\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combined Ratio<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combined Ratio =<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loss Ratio + Expense Ratio<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5176\u4e2d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loss Ratio = \u8d54\u4ed8<\/li>\n\n\n\n<li>Expense Ratio = \u8fd0\u8425\u6210\u672c<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Combined Ratio &lt; 100%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u627f\u4fdd\u4e1a\u52a1\u76c8\u5229<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">5&#xfe0f;&#x20e3; \u4e3a\u4ec0\u4e48\u4fdd\u8d39\u4f1a\u6da8<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u67d0\u4e2a\u4fdd\u9669\u4ea7\u54c1\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loss Ratio \u8fde\u7eed\u51e0\u5e74\u5f88\u9ad8<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u63d0\u9ad8\u4fdd\u8d39<\/li>\n\n\n\n<li>\u9650\u5236\u4fdd\u969c<\/li>\n\n\n\n<li>\u9000\u51fa\u5e02\u573a<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5065\u5eb7\u4fdd\u9669<\/li>\n\n\n\n<li>\u6d2a\u6c34\u4fdd\u9669<\/li>\n\n\n\n<li>\u8f66\u9669<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x2b50; \u4e3e\u4e2a\u8f66\u9669\u4f8b\u5b50<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe 1000 \u4e2a\u53f8\u673a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u4eba\u4fdd\u8d39 $1,200<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u603b\u4fdd\u8d39\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$1,200,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8b\u6545\u8d54\u4ed8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$900,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loss Ratio\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">75%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4e8b\u6545\u589e\u52a0\u5230\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$1,300,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loss Ratio\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">108%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u7b2c\u4e8c\u5e74\u4fdd\u8d39\u51e0\u4e4e\u4e00\u5b9a\u4e0a\u6da8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x2b50; \u4e00\u53e5\u8bdd\u7406\u89e3<\/h1>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Loss Ratio = \u4fdd\u9669\u516c\u53f8\u6536\u7684\u4fdd\u8d39\u4e2d\uff0c\u6709\u591a\u5c11\u88ab\u8d54\u6389\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u613f\u610f\uff0c\u6211\u8fd8\u53ef\u4ee5\u7ed9\u4f60\u8bb2\u4e00\u4e2a<strong>\u4fdd\u9669\u884c\u4e1a\u66f4\u201c\u6838\u5fc3\u201d\u7684\u6307\u6807<\/strong>\uff0c\u51e0\u4e4e\u6240\u6709\u4fdd\u9669\u516c\u53f8 CEO \u90fd\u6bcf\u5929\u76ef\u7740\u770b\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Underwriting Profit\uff08\u627f\u4fdd\u5229\u6da6\uff09<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u4ee5\u4e3a\u4fdd\u9669\u516c\u53f8\u9760\u4fdd\u8d39\u8d5a\u94b1\uff0c\u5176\u5b9e\u771f\u76f8\u4e0d\u5b8c\u5168\u662f\u8fd9\u6837\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Underwriting Profit<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Underwriting Profit\uff08\u627f\u4fdd\u5229\u6da6\uff09<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Underwriting Profit<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Underwriting Profit = \u4fdd\u9669\u516c\u53f8\u901a\u8fc7\u201c\u5356\u4fdd\u9669\u672c\u8eab\u201d\u8d5a\u5230\u7684\u94b1\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e5f\u5c31\u662f\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u53ea\u770b\u4fdd\u9669\u4e1a\u52a1\u672c\u8eab\uff0c\u4e0d\u7b97\u6295\u8d44\u6536\u76ca\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">1&#xfe0f;&#x20e3; \u8ba1\u7b97\u903b\u8f91<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u627f\u4fdd\u5229\u6da6\u7684\u6838\u5fc3\u516c\u5f0f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Underwriting Profit = Premium \u2212 Claims \u2212 Expenses<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u610f\u601d\u662f\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>Premium<\/td><td>\u6536\u5230\u7684\u4fdd\u8d39<\/td><\/tr><tr><td>Claims<\/td><td>\u8d54\u4ed8\u7684\u7406\u8d54\u91d1\u989d<\/td><\/tr><tr><td>Expenses<\/td><td>\u8fd0\u8425\u6210\u672c<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u7ed3\u679c\u662f\u6b63\u6570\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u627f\u4fdd\u76c8\u5229<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u662f\u8d1f\u6570\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u627f\u4fdd\u4e8f\u635f<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">2&#xfe0f;&#x20e3; \u7b80\u5355\u4f8b\u5b50<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u67d0\u4fdd\u9669\u516c\u53f8\u4e00\u5e74\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u91d1\u989d<\/th><\/tr><\/thead><tbody><tr><td>\u6536\u5230\u4fdd\u8d39<\/td><td>$10,000,000<\/td><\/tr><tr><td>\u7406\u8d54<\/td><td>$6,500,000<\/td><\/tr><tr><td>\u8fd0\u8425\u6210\u672c<\/td><td>$2,000,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u8ba1\u7b97\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Underwriting Profit<br>= 10,000,000 \u2212 6,500,000 \u2212 2,000,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">= <strong>$1,500,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u627f\u4fdd\u76c8\u5229 <strong>$1.5M<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">3&#xfe0f;&#x20e3; \u4e3a\u4ec0\u4e48\u5f88\u591a\u4fdd\u9669\u516c\u53f8\u627f\u4fdd\u5176\u5b9e\u4e0d\u8d5a\u94b1<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5f88\u591a\u5e74\u4efd\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u91d1\u989d<\/th><\/tr><\/thead><tbody><tr><td>\u4fdd\u8d39<\/td><td>$10,000,000<\/td><\/tr><tr><td>\u7406\u8d54<\/td><td>$8,500,000<\/td><\/tr><tr><td>\u6210\u672c<\/td><td>$2,000,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed3\u679c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Underwriting Profit<br>= <strong>\u2212$500,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>\u627f\u4fdd\u4e8f\u635f<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">4&#xfe0f;&#x20e3; \u4f46\u4fdd\u9669\u516c\u53f8\u4ecd\u7136\u53ef\u4ee5\u8d5a\u94b1<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u539f\u56e0\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6295\u8d44\u6536\u76ca<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u4f1a\u6295\u8d44\u4fdd\u8d39\uff0c\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u653f\u5e9c\u503a\u5238<\/li>\n\n\n\n<li>\u80a1\u7968<\/li>\n\n\n\n<li>\u623f\u5730\u4ea7<\/li>\n\n\n\n<li>\u57fa\u91d1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u6295\u8d44\u8d5a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$1,500,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u4e48\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>\u91d1\u989d<\/th><\/tr><\/thead><tbody><tr><td>\u627f\u4fdd\u4e8f\u635f<\/td><td>\u2212$500,000<\/td><\/tr><tr><td>\u6295\u8d44\u6536\u76ca<\/td><td>$1,500,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u7ec8\u5229\u6da6\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; <strong>$1,000,000<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">5&#xfe0f;&#x20e3; \u4e3a\u4ec0\u4e48\u4fdd\u9669\u516c\u53f8\u559c\u6b22\u201c\u5148\u6536\u4fdd\u8d39\u201d<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u884c\u4e1a\u6709\u4e00\u4e2a\u5f88\u91cd\u8981\u7684\u6982\u5ff5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurance Float<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u610f\u601d\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u9669\u516c\u53f8\u5728\u7406\u8d54\u4e4b\u524d\u6301\u6709\u7684\u5927\u91cf\u8d44\u91d1\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4eca\u5e74\u6536\u4fdd\u8d39<\/li>\n\n\n\n<li>\u672a\u6765\u51e0\u5e74\u624d\u7406\u8d54<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u6bb5\u65f6\u95f4\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u6295\u8d44\u8fd9\u4e9b\u94b1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u5927\u578b\u4fdd\u9669\u516c\u53f8\uff08\u4f8b\u5982 Berkshire Hathaway \uff09\u5c31\u662f\u9760 <strong>Float + \u6295\u8d44\u80fd\u529b<\/strong>\u8d5a\u5f88\u591a\u94b1\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f4ca; \u4e09\u4e2a\u6838\u5fc3\u6307\u6807\u5173\u7cfb<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u6307\u6807<\/th><th>\u542b\u4e49<\/th><\/tr><\/thead><tbody><tr><td>Loss Ratio<\/td><td>\u8d54\u4ed8\u6bd4\u4f8b<\/td><\/tr><tr><td>Combined Ratio<\/td><td>\u8d54\u4ed8 + \u6210\u672c<\/td><\/tr><tr><td>Underwriting Profit<\/td><td>\u627f\u4fdd\u4e1a\u52a1\u8d5a\u7684\u94b1<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Combined Ratio &lt; 100%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x1f449; \u627f\u4fdd\u76c8\u5229<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x2b50; \u4e00\u53e5\u8bdd\u7406\u89e3<\/h1>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Underwriting Profit = \u5356\u4fdd\u9669\u672c\u8eab\u8d5a\u7684\u94b1\uff08\u4e0d\u7b97\u6295\u8d44\uff09\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u6709\u5174\u8da3\uff0c\u6211\u53ef\u4ee5\u518d\u8bb2\u4e00\u4e2a<strong>\u4fdd\u9669\u884c\u4e1a\u6700\u4f20\u5947\u7684\u5546\u4e1a\u6a21\u5f0f<\/strong>\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u4ec0\u4e48<br>Warren Buffett<br>\u4e00\u76f4\u8bf4\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u9669\u516c\u53f8\u5176\u5b9e\u662f\u4e00\u53f0\u201c\u6295\u8d44\u673a\u5668\u201d\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u4eba\u4e0d\u77e5\u9053\u4fdd\u9669\u771f\u6b63\u8d5a\u94b1\u7684\u79d8\u5bc6\u5c31\u5728\u8fd9\u91cc\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21058\" class=\"pvc_stats all  \" data-element-id=\"21058\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u5728\u4fdd\u9669\u91cc\uff0c\u8fd9\u51e0\u4e2a\u8bcd\u90fd\u548c**\u201c\u4fdd\u5355\u7ed3\u6784 \/ \u9644\u52a0\u4fdd\u969c\u201d\u6709\u5173\uff0c\u4f46\u542b\u4e49\u548c\u4f7f\u7528\u573a\u666f\u4e0d\u4e00\u6837\u3002\u53ef\u4ee5\u6309\u4ece\u201c\u9644\u52a0\u6761\u6b3e\u201d\u5230\u201c\u72ec\u7acb\u4fdd\u5355\u201d**\u8fd9\u6837\u7406\u89e3\uff1a 1&#xfe0f;&#x20e3; Floater\uff08\u6d6e\u52a8\u4fdd\u9669 \/ \u6d6e\u52a8\u6761\u6b3e\uff09 Floater \u6307\u7684\u662f\u4e00\u79cd\u4fdd\u969c\u53ef\u4ee5\u5728\u591a\u4e2a\u5bf9\u8c61\u4e4b\u95f4\u201c\u5171\u4eab\u201d\u6216\u201c\u6d6e\u52a8\u201d\u4f7f\u7528\u7684\u4fdd\u9669\u65b9\u5f0f\u3002 \u5e38\u89c1\u7279\u70b9\uff1a &#x1f4cc; \u5e38\u89c1\u4f8b\u5b50\uff1a \u5bb6\u5ead\u8d22\u4ea7 Floater \u5982\u679c\u603b\u4fdd\u989d\u662f $50,000\uff0c\u4efb\u4f55\u4e00\u4ef6\u635f\u5931\u90fd\u53ef\u4ee5\u4f7f\u7528\u8fd9\u4e2a\u989d\u5ea6\u3002 \u5bb6\u5ead\u533b\u7597 Floater\uff08\u4e9a\u6d32\u5e38\u89c1\uff09 &#x1f449; \u6838\u5fc3\uff1a\u4fdd\u989d\u662f\u5171\u4eab\/\u6d6e\u52a8\u7684 2&#xfe0f;&#x20e3; Endorsement\uff08\u6279\u5355 \/ \u4fdd\u5355\u6279\u6ce8\uff09 Endorsement \u662f\u6700\u5e38\u89c1\u7684\u4fdd\u9669\u672f\u8bed\u4e4b\u4e00\u3002 \u6307\u7684\u662f\uff1a \u5bf9\u539f\u6709\u4fdd\u5355\u8fdb\u884c \u4fee\u6539\u6216\u8865\u5145\u7684\u6b63\u5f0f\u6587\u4ef6 \u53ef\u4ee5\uff1a &#x1f4cc; \u4f8b\u5982 \u539f\u4fdd\u5355\u4e0d\u4fdd\uff1a \u540e\u6765\u589e\u52a0\uff1a \u4fdd\u5355\u5c31\u4f1a\u591a\u4e00\u4e2a\u6279\u5355\u3002 &#x1f449; \u6838\u5fc3\uff1a\u6b63\u5f0f\u4fee\u6539\u539f\u4fdd\u5355\u6761\u6b3e 3&#xfe0f;&#x20e3; Rider\uff08\u9644\u52a0\u9669\uff09 Rider \u4e3b\u8981\u7528\u5728 \u4eba\u5bff\u4fdd\u9669 \/ \u5065\u5eb7\u4fdd\u9669\u3002 \u5b83\u662f\uff1a \u9644\u52a0\u5728\u4e3b\u9669\u4e0a\u7684\u989d\u5916\u4fdd\u969c \u7279\u70b9\uff1a &#x1f4cc; \u5e38\u89c1\u4f8b\u5b50 \u5728 \u5bff\u9669\uff08Life Insurance\uff09 \u4e2d\uff1a ider \u542b\u4e49 &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21058\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1a\u8fd9\u51e0\u4e2a \u5728\u4fdd\u9669\u4e2d\u7684\u610f\u4e49 \uff1a Floater , Endorsement , Rider , Separate policy&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21058\" class=\"pvc_stats all  \" data-element-id=\"21058\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[155],"tags":[156],"class_list":["post-21058","post","type-post","status-publish","format-standard","hentry","category-155","tag-156"],"a3_pvc":{"activated":true,"total_views":3,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21058","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21058"}],"version-history":[{"count":1,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21058\/revisions"}],"predecessor-version":[{"id":21059,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21058\/revisions\/21059"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21058"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}