Technology
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在香港這個高生活成本、高醫療開支的城市，危疾保險已成為市民不可或缺的保障工具。尤其是「定期危疾保險」與「儲蓄危疾保險」兩大類型，各有優勢與限制，選擇合適的保單不但能保障健康，更能配合長遠財務規劃。 本文將從定義、特色、保費、保障範圍、現金價值、適合人群等角度，全面比較這兩種危疾保險，並提供圖表與模擬分析，助你作出明智選擇。 📘 危疾保險是什麼？為什麼你需要它？ 危疾保險（Critical Illness Insurance）是一種在受保人確診指定嚴重疾病後，提供一次性賠償金的保險產品。常見的危疾包括： 這筆賠償金可用於醫療費用、康復支援、生活開支，甚至作為收入替代，讓患者安心養病。 🧾 什麼是定期危疾保險？ 定期危疾保險（Term Critical Illness Insurance）是一種純保障型保險，保障期通常為 10 年、20 年或至某指定年齡（如 65 歲）。若在保障期內未患危疾，保單期滿後不會有任何現金回報。 ✅ 特點： ⚠️ 限制： 💰 什麼是儲蓄危疾保險？ 儲蓄危疾保險（Whole Life Critical Illness Insurance）結合危疾保障與儲蓄功能，屬於終身保障產品。保費較高，部分用於保障，部分用於儲蓄或投資，隨時間增長而累積資產。 ✅ 特點： ⚠️ 限制： 📌 重點比較 🔍 定期危疾保險 🔍 儲蓄危疾保險 📊 表格比較：定期危疾 vs 儲蓄危疾 項目 定期危疾保險 儲蓄危疾保險 保費 低 高 保障期 有限期（如10年、20年） 終身 是否有儲蓄成分 ❌…
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The ReMarkable writing tablet can be a fantastic tool for students, offering a blend of digital convenience and the tactile feel of writing on paper. Here are some ways students can make the most of it: 1. Note-Taking: The ReMarkable tablet is perfect for taking handwritten notes during lectures. You can organize your notes into…
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Is the reMarkable Worth It for Professionals? For professionals, investing in a reMarkable tablet can be a game-changer, especially if your work involves a lot of note-taking, brainstorming, and document review. Here’s a detailed look at whether it’s worth the price and how it can be used effectively in a professional setting. Benefits of the…
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An short introduction to the new Remarkable Paper Pro | (4) Is the reMarkable Worth It for Students?
Is the reMarkable Worth It for Students? Investing in a reMarkable tablet can be a significant decision, especially for students. Here’s a breakdown of whether it’s worth the price and how it can be used effectively in a student’s academic life. Benefits of the reMarkable for Students Potential Drawbacks Conclusion For students who value a…
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Comparing the reMarkable 2 and reMarkable Paper Pro reMarkable has made significant strides in the digital paper market with its reMarkable 2 and the newly introduced reMarkable Paper Pro. Both devices offer unique features tailored to different user needs. Here’s a detailed comparison to help you decide which one might be the best fit for…
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Introduction to reMarkable and Its New Paper Pro reMarkable continues to innovate in the realm of digital paper, and their latest offering, the reMarkable Paper Pro, is a testament to their commitment to enhancing the digital writing experience. Building on the success of its predecessors, the Paper Pro introduces several new features that aim to…
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Introduction to reMarkable and Its Writing Tablet reMarkable is a Norwegian tech company founded in 2013 by Magnus Wanberg. The company is dedicated to creating products that bridge the gap between traditional paper and digital devices. Their flagship product, the reMarkable writing tablet, is designed to offer a paper-like experience for note-taking, sketching, and reading,…