{"id":18447,"date":"2024-09-19T17:26:51","date_gmt":"2024-09-19T22:26:51","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%e8%81%af%e9%82%a6%e6%94%bf%e5%ba%9c%e7%9a%84%e7%96%ab%e6%83%85%e6%87%89%e5%b0%8d%e6%8e%aa%e6%96%bd%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa\/"},"modified":"2024-11-19T10:10:08","modified_gmt":"2024-11-19T15:10:08","slug":"%e8%81%af%e9%82%a6%e6%94%bf%e5%ba%9c%e7%9a%84%e7%96%ab%e6%83%85%e6%87%89%e5%b0%8d%e6%8e%aa%e6%96%bd%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e8%81%af%e9%82%a6%e6%94%bf%e5%ba%9c%e7%9a%84%e7%96%ab%e6%83%85%e6%87%89%e5%b0%8d%e6%8e%aa%e6%96%bd%e5%a6%82%e4%bd%95%e5%bd%b1%e9%9f%bf%e5%95%86%e6%a5%ad%e4%bf%9d%e9%9a%aa\/","title":{"rendered":"\u806f\u90a6\u653f\u5e9c\u7684\u75ab\u60c5\u61c9\u5c0d\u63aa\u65bd\u5982\u4f55\u5f71\u97ff\u5546\u696d\u4fdd\u96aa"},"content":{"rendered":"\n

COVID-19 \u5927\u6d41\u884c\u4f7f\u4f01\u696d\u722d\u5148\u6050\u5f8c\u5730\u5411\u4fdd\u96aa\u516c\u53f8\u5c0b\u6c42\u8aac\u660e\uff0c\u4ee5\u652f\u4ed8\u5f9e\u696d\u52d9\u640d\u5931\u5230\u5de5\u4f5c\u7a7a\u9593\u6d88\u6bd2\u7b49\u8cbb\u7528\u3002 \u53cd\u904e\u4f86\uff0c\u4fdd\u96aa\u516c\u53f8\u6b63\u5728\u5c0b\u627e\u65b0\u7684\u65b9\u6cd5\u4f86\u7ba1\u7406\u7d22\u8ce0\u6d6a\u6f6e\u3002<\/p>\n\n

\u806f\u90a6\u653f\u5e9c\u5c0d\u75ab\u60c5\u7684\u5404\u7a2e\u61c9\u5c0d\u63aa\u65bd\u5c0d\u4fdd\u96aa\u516c\u53f8\u5982\u4f55\u89e3\u6c7a\u9019\u500b\u554f\u984c\u7522\u751f\u4e86\u5f71\u97ff\u3002 \u96a8\u8457\u9019\u4e9b\u61c9\u5c0d\u63aa\u65bd\u7684\u4e0d\u65b7\u5f62\u6210\uff0c\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u516c\u53f8\u5bc6\u5207\u95dc\u6ce8\u653f\u5e9c\u7684\u8a08\u5283\u548c\u884c\u52d5\uff0c\u4ee5\u5e6b\u52a9\u4fdd\u96aa\u516c\u53f8\u53ca\u5176\u5ba2\u6236\u5efa\u7acb\u6b63\u78ba\u7684\u524d\u9032\u9053\u8def\u3002<\/p>\n\n

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\u91dd\u5c0d\u4fdd\u96aa\u516c\u53f8\u672a\u80fd\u63d0\u4f9b\u5546\u696d\u4fdd\u96aa\u7684\u7b2c\u4e00\u6279\u8a34\u8a1f\u5df2\u7d93\u5728\u7f8e\u570b\u6cd5\u9662\u63d0\u8d77\u3002<\/p>\n\n

\u5728\u4e00\u500b\u6848\u4f8b\u4e2d\uff0c\u65b0\u5967\u723e\u826f\u7684\u4e00\u5bb6\u9910\u5ef3\u5c0d\u502b\u6566\u52de\u5408\u793e\u3001\u5dde\u9577\u548c\u8def\u6613\u58eb\u5b89\u90a3\u5dde \u63d0\u8d77\u8a34\u8a1f<\/a> \uff0c\u5c0b\u6c42\u5ba3\u544a\u6027\u5224\u6c7a\uff0c\u5373\u8a72\u9910\u5ef3\u7684\u71df\u696d\u4e2d\u65b7\u4fdd\u96aa\u5c07\u6db5\u84cb\u8207 COVID-19 \u76f8\u95dc\u7684\u95dc\u9589\u8a02\u55ae\u3002<\/p>\n\n

\u4ee3\u8868\u8a72\u9910\u5ef3\u7684\u5f8b\u5e2b John W. Houghtaling II<\/a> \u8aaa\uff0c\u8a72\u8a34\u8a1f\u5c0b\u6c42\u4e00\u9805\u5ba3\u544a\u6027\u5224\u6c7a\uff0c\u4ee5\u9632\u6b62\u4fdd\u96aa\u516c\u53f8\u544a\u8a34\u4f01\u696d\u4e3b\uff0c\u696d\u52d9\u4e2d\u65b7\u4fdd\u96aa\u4e0d\u6d89\u53ca\u51a0\u72c0\u75c5\u6bd2\u9020\u6210\u7684\u505c\u5de5\u3002<\/p>\n\n

\u7136\u800c\uff0c\u5373\u4f7f\u4fdd\u55ae\u6c92\u6709\u660e\u78ba\u6392\u9664\u8207\u51a0\u72c0\u75c5\u6bd2\u76f8\u95dc\u7684\u7d22\u8ce0\uff0c\u8a31\u591a\u4fdd\u55ae\u63d0\u4f9b\u7684\u627f\u4fdd\u7bc4\u570d\u201c\u5145\u5176\u91cf\u53ef\u80fd\u662f\u6700\u4f4e\u9650\u5ea6\u7684\u201d\uff0cInsuranceCommentary.com \u7684\u5275\u59cb\u4eba\u517c\u9996\u5e2d\u57f7\u884c\u5b98 Bill Wilson<\/a> \u8aaa\u3002<\/p>\n\n

\u5a01\u723e\u905c\u5beb\u9053\uff0c\u73fe\u6709\u7684\u4fdd\u96aa\u6cd5\u5f8b\u548c\u6cd5\u898f\u901a\u5e38\u53cd\u5c0d\u5c07\u75c5\u6bd2\u7684\u5b58\u5728\u8996\u70ba\u5c0d\u8ca1\u7522\u7684\u4e00\u7a2e\u7269\u7406\u640d\u5bb3\uff0c\u5c24\u5176\u662f\u7576\u75c5\u6bd2\u672c\u8eab\u5728\u5927\u591a\u6578\u8868\u9762\u4e0a\u53ea\u80fd\u5b58\u6d3b\u5e7e\u5929\u6642\u2014\u2014\u5c31\u50cf COVID-19 \u7684\u60c5\u6cc1\u4e00\u6a23\u3002 \u5982\u679c\u6c92\u6709\u9700\u8981\u627f\u4fdd\u7684\u6709\u5f62\u640d\u5931\uff0c\u4fdd\u96aa\u516c\u53f8\u5c31\u7121\u6cd5\u70ba\u6709\u5f62\u640d\u5931\u63d0\u4f9b\u4fdd\u96aa\u3002<\/p>\n\n

\"\"<\/figure>\n\n

\u652f\u6301\u806f\u90a6\u4fdd\u96aa\u5c0d\u5927\u6d41\u884c\u75c5\u7684\u5e72\u9810<\/h2>\n\n

\u4fdd\u96aa\u516c\u53f8\u5c0d\u5927\u6d41\u884c\u75c5\u76f8\u95dc\u4fdd\u96aa\u7684\u6cd5\u5ead\u548c\u7acb\u6cd5\u9b25\u722d\u7684\u64d4\u6182\u7684\u6838\u5fc3\u662f\u4fdd\u96aa\u696d\u672c\u8eab\u7684\u511f\u4ed8\u80fd\u529b\u3002<\/p>\n\n

\u64da\u7f8e\u570b\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u5354\u6703\u7e3d\u88c1\u517c\u9996\u5e2d\u57f7\u884c\u5b98 David A. Sampson<\/a> \u7a31\uff0c\u8207\u5927\u6d41\u884c\u76f8\u95dc\u7684\u5c0f\u4f01\u696d\u7d22\u8ce0\u6bcf\u6708\u53ef\u80fd\u7d66\u4fdd\u96aa\u696d\u9020\u6210 2200 \u5104\u81f3 3830 \u5104\u7f8e\u5143\u7684\u640d\u5931\u2014\u2014\u9019\u4e00\u6578\u5b57\u9810\u8a08\u5c07\u591a\u9054 3000 \u842c\u8d77\u5c0f\u4f01\u696d\u7d22\u8ce0\u3002<\/p>\n\n

\u9019\u4e00\u4f30\u8a08\u8d85\u904e\u4e86\u8a72\u884c\u696d\u5728 2005 \u5e74\u5275\u4e0b\u7684\u4e00\u5e74\u7d22\u8ce0\u8655\u7406\u8a18\u9304\u3002 \u7576\u5e74\uff0c\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u516c\u53f8\u8655\u7406\u4e86\u8d85\u904e 300 \u842c\u8d77\u7d22\u8ce0\uff0c\u5176\u4e2d\u5927\u90e8\u5206\u8207\u5361\u7279\u91cc\u5a1c\u98b6\u98a8\u3001\u9e97\u5854\u98b6\u98a8\u548c\u5a01\u723e\u746a\u98b6\u98a8\u9020\u6210\u7684\u640d\u5931\u6709\u95dc\u3002<\/p>\n\n

\u76ee\u524d\uff0c\u7f8e\u570b\u8ca1\u7522\u548c\u610f\u5916\u96aa\u696d\u7684\u7e3d\u76c8\u9918\u57287500\u5104\u81f38000\u5104\u7f8e\u5143\u4e4b\u9593;2019\u5e74\uff0c\u5b83\u5728\u7d22\u8ce0\u548c\u8cbb\u7528\u4e0a\u82b1\u8cbb\u4e86\u7d046220\u5104\u7f8e\u5143\u3002\u4fdd\u96aa\u8cc7\u8a0a\u7814\u7a76\u6240 \uff08Insurance Information Institute\uff09 \u9996\u5e2d\u7d93\u6fdf\u5b78\u5bb6 \u53f2\u8482\u6587\u00b7\u97cb\u65af\u5df4\u7279 \uff08Steven Weisbart<\/a>\uff09 \u8868\u793a\uff0c\u5927\u6d41\u884c\u75c5\u7d22\u8ce0\u548c\u53e6\u4e00\u5834\u707d\u96e3\u6027\u4e8b\u4ef6\uff08\u5982\u91cd\u5927\u98b6\u98a8\uff09\u7684\u7d50\u5408\uff0c\u53ef\u80fd\u6703\u4f7f\u4fdd\u96aa\u516c\u53f8\u6c92\u6709\u8db3\u5920\u7684\u9322\u4f86\u652f\u4ed8\u7d22\u8ce0\u3002 <\/p>\n\n

\u201c\u5728\u5168\u7403\u5927\u6d41\u884c\u75c5\u4e4b\u5916\u5be6\u73fe\u591a\u5143\u5316\u662f\u4e0d\u53ef\u80fd\u7684\uff0c\u201dR Street Institute \u7684\u5275\u59cb\u6210\u54e1\u517c\u91d1\u878d\u3001\u4fdd\u96aa\u548c\u8cbf\u6613\u653f\u7b56\u4e3b\u4efb Ray Lehmann<\/a> \u5beb\u9053\u3002<\/p>\n\n

\u201c\u4ed6\u5011\u540c\u6642\u8972\u64ca\u4e86\u6bcf\u500b\u5730\u5340\uff0c\u5e7e\u4e4e\u540c\u6642\u8972\u64ca\u4e86\u6bcf\u500b\u884c\u696d\u3002\u518d\u4fdd\u96aa\u516c\u53f8\u5728\u7ba1\u7406\u98a8\u96aa\u65b9\u9762\u53ef\u80fd\u7a0d\u5fae\u597d\u4e00\u4e9b\uff0c\u4f46\u4ed6\u5011\u4e5f\u5c07\u9762\u81e8\u8de8\u5730\u5340\u4ee5\u53ca\u8de8\u7522\u54c1\u7dda\u7684\u6975\u5ea6\u7d22\u8ce0\u76f8\u95dc\u6027\u3002<\/p>\n\n

\u70ba\u4e86\u89e3\u6c7a\u9019\u500b\u554f\u984c\uff0c\u570b\u6703\u6b63\u5728\u8003\u616e\u5e7e\u500b\u7acb\u6cd5\u9078\u9805\u3002<\/p>\n\n

\u300a\u6d41\u884c\u75c5\u98a8\u96aa\u4fdd\u96aa\u6cd5\u300b<\/h3>\n\n

\u64ec\u8b70\u7684\u300a\u6d41\u884c\u75c5\u98a8\u96aa\u4fdd\u96aa\u6cd5\u300b\uff08PRIA\uff09 \u201c\u5c07\u6709\u6548\u5730\u70ba\u8207\u7d93\u8a8d\u8b49\u7684\u5927\u6d41\u884c\u75c5\u6216\u6d41\u884c\u75c5\uff08\u5982 COVID-19\uff09\u9020\u6210\u7684\u640d\u5931\u76f8\u95dc\u7684\u4fdd\u96aa\u7d22\u8ce0\u63d0\u4f9b\u806f\u90a6\u640d\u5931\u5206\u64d4\u8a08\u5283\uff0c\u201d\u8cfd\u6cd5\u65af\u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684\u5f8b\u5e2b Christa L. Dommers \u548c Thomas Michaelides<\/a> \u5beb\u9053\u3002<\/p>\n\n

PRIA \u5c07\u8981\u6c42\u4fdd\u96aa\u516c\u53f8\u70ba\u67d0\u4e9b\u884c\u696d\u7684\u640d\u5931\u63d0\u4f9b\u4fdd\u96aa\uff0c\u7576\u9019\u4e9b\u640d\u5931\u8207\u7d93\u8a8d\u8b49\u7684\u5065\u5eb7\u5927\u6d41\u884c\u6709\u95dc\u6642\u3002 \u5982\u679c\u4fdd\u96aa\u516c\u53f8\u6eff\u8db3\u67d0\u4e9b\u8981\u6c42\uff0c\u4f8b\u5982\u640d\u5931\u8d85\u904e\u4e00\u5b9a\u91d1\u984d\u548c\u5411\u5927\u6d41\u884c\u7d22\u8ce0\u4eba\u652f\u4ed8\u7684\u6700\u4f4e\u91d1\u984d\uff0c\u806f\u90a6\u653f\u5e9c\u5c07\u901a\u904e\u640d\u5931\u5171\u4eab\u8a08\u5283\u4ecb\u5165\u3002<\/p>\n\n

\u8a72\u6cd5\u6848\u4ee5 9\/11 \u5f8c\u901a\u904e\u7684\u300a\u6050\u6016\u4e3b\u7fa9\u98a8\u96aa\u4fdd\u96aa\u6cd5\u300b\uff08TRIA\uff09 \u70ba\u85cd\u672c\uff0c\u8a72\u6cd5\u6848\u65e2\u898f\u5b9a\u4e86\u6050\u6016\u4e3b\u7fa9\u4fdd\u96aa\uff0c\u53c8\u70ba\u6eff\u8db3\u67d0\u4e9b\u689d\u4ef6\u7684\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u806f\u90a6\u63f4\u52a9\u3002\u7136\u800c\uff0c\u5169\u8005\u4e4b\u9593\u5b58\u5728\u95dc\u9375\u5dee\u7570\u3002\u4f8b\u5982\uff0cLocke Lord \u5f8b\u5e2b\u4e8b\u52d9\u6240\u7684\u5408\u5925\u4eba Zachary Lerner<\/a> \u8868\u793a\uff0c\u201c\u96d6\u7136\u9019\u5169\u7d44\u98a8\u96aa\u90fd\u53ef\u80fd\u5c0e\u81f4\u707d\u96e3\u6027\u640d\u5931\u548c\u5de8\u5927\u7684\u4fdd\u96aa\u8cac\u4efb\uff0c\u4f46\u6050\u6016\u4e3b\u7fa9\u98a8\u96aa\u53ef\u80fd\u5728\u5168\u7403\u57ce\u5e02\u4e2d\u5fc3\u6700\u5927\u201d\uff0c\u800c\u5927\u6d41\u884c\u75c5\u5247\u5f71\u97ff\u8457\u4efb\u4f55\u5730\u65b9\u548c\u4efb\u4f55\u5730\u65b9\u7684\u4eba\u5011\u548c\u4f01\u696d\u3002 <\/p>\n\n

\u5982\u679c\u7372\u5f97\u901a\u904e\uff0cPRIA \u53ef\u80fd\u4e0d\u9069\u7528\u65bc COVID-19 \u7d22\u8ce0\u3002 \u7136\u800c\uff0c\u5b83\u5c07\u6539\u8b8a\u4fdd\u96aa\u516c\u53f8\u672a\u4f86\u70ba\u5927\u6d41\u884c\u76f8\u95dc\u640d\u5931\u63d0\u4f9b\u4fdd\u96aa\u7684\u65b9\u5f0f\u3002<\/p>\n\n

\u806f\u90a6\u5e72\u9810\u7684\u66ff\u4ee3\u6a21\u5f0f<\/h3>\n\n

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\u5168\u570b\u4e92\u52a9\u4fdd\u96aa\u516c\u53f8\u5354\u6703 \uff08NAMIC\uff09 \u548c\u7f8e\u570b\u8ca1\u7522\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u5354\u6703 \uff08APCIA\uff09 \u6b63\u5728\u5236\u5b9a\u4e00\u9805\u806f\u5408\u63d0\u6848\uff0c\u4ee5\u652f\u6301\u806f\u90a6\u653f\u5e9c\u5728\u5f4c\u88dc\u672a\u4f86\u5927\u6d41\u884c\u640d\u5931\u65b9\u9762\u767c\u63ee\u66f4\u5927\u4f5c\u7528\u3002 \u6839\u64da\u9019\u9805\u63d0\u6848\uff0c\u806f\u90a6\u653f\u5e9c\u4e0d\u50c5\u6703\u652f\u6301\u4fdd\u96aa\u516c\u53f8\u652f\u4ed8\u5927\u6d41\u884c\u75c5\u640d\u5931\u3002 \u76f8\u53cd\uff0c\u653f\u5e9c\u5c07\u81ea\u5df1\u70ba\u9019\u4e9b\u640d\u5931\u8ca0\u8cac\u3002<\/p>\n\n

\u201c\u6211\u5011\u8a8d\u70ba\uff0c\u9700\u8981\u6709\u4e00\u500b\u9577\u671f\u7684\u6f5b\u5728\u653f\u5e9c\u8a08\u5283\uff0c\u9019\u6a23\u570b\u5bb6\u5c31\u4e0d\u6703\u518d\u6b21\u9677\u5165\u9019\u7a2e\u60c5\u6cc1\uff0c\u201dNAMIC \u653f\u5e9c\u4e8b\u52d9\u9ad8\u7d1a\u526f\u7e3d\u88c1 Jimi Grande<\/a> \u8aaa\u3002 Grande \u6307\u51fa\uff0c\u5927\u6d41\u884c\u75c5\u548c\u6050\u6016\u8972\u64ca\u4e4b\u9593\u7684\u4e3b\u8981\u5dee\u7570\uff0c\u4f8b\u5982\u5730\u7406\u4f4d\u7f6e\u548c\u6301\u7e8c\u6642\u9593\uff0c\u9700\u8981\u5c0d\u6bcf\u7a2e\u60c5\u6cc1\u63a1\u53d6\u4e0d\u540c\u7684\u65b9\u6cd5\u3002<\/p>\n\n

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\u201c\u5927\u6d41\u884c\u75c5\u7206\u767c\u6c92\u6709\u4fdd\u96aa\uff0c\u56e0\u70ba\u5b83\u5011\u6c92\u6709\u4fdd\u96aa\uff0c\u201dAPCIA \u9996\u5e2d\u57f7\u884c\u5b98 David A. Sampson<\/a> \u8aaa\u3002 \u7576\u4e8b\u4ef6\u7121\u6cd5\u6295\u4fdd\u6642\uff0c\u653f\u5e9c\u5f80\u5f80\u6709\u8cac\u4efb\u7dad\u8b77\u793e\u6703\u5951\u7d04\u3002<\/p>\n\n

\"\"<\/figure>\n\n

\u5546\u696d\u4fdd\u96aa\u516c\u53f8\u7684\u4e3b\u8981\u8003\u616e\u56e0\u7d20<\/h2>\n\n

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\u5de5\u50b7\u8ce0\u511f\u548c COVID-19<\/h3>\n\n

2020 \u5e74 5 \u6708\uff0c\u4e00\u500b\u7531\u5169\u9ee8\u7acb\u6cd5\u8005\u7d44\u6210\u7684\u5c0f\u7d44\u5ba3\u4f48\u4e86\u4e00\u9805\u6cd5\u6848\uff0c\u5c07\u70ba\u5728\u5927\u6d41\u884c\u671f\u9593\u611f\u67d3 COVID-19 \u7684\u57fa\u672c\u5de5\u4f5c\u4eba\u54e1\u4ee5\u53ca\u5931\u53bb\u751f\u547d\u7684\u57fa\u672c\u5de5\u4f5c\u4eba\u54e1\u7684\u5bb6\u4eba\u63d0\u4f9b\u5de5\u50b7\u8ce0\u511f\u4fdd\u96aa\u3002<\/p>\n\n

\u6839\u64da\u7f8e\u570b\u773e\u8b70\u54e1\u5361\u7f85\u7433\u00b7\u99ac\u5a41\u5c3c \uff08D-NY\uff09 \u7684 \u65b0\u805e\u7a3f<\/a> \uff0c\u8a72\u6cd5\u6848\u88ab\u7a31\u70ba\u300a\u5927\u6d41\u884c\u82f1\u96c4\u8ce0\u511f\u6cd5\u300b\uff0c\u4ee5\u985e\u4f3c\u7684\u6cd5\u6848\u70ba\u85cd\u672c\uff0c\u65e8\u5728\u88dc\u511f\u90a3\u4e9b\u5c0d 9\/11 \u8972\u64ca\u73fe\u5834\u505a\u51fa\u53cd\u61c9\u7684\u4eba\u3002 Susanne Sclafane<\/a> \u5728 Claims Journal \u4e0a\u5beb\u9053\uff0c\u64ec\u8b70\u7684\u6cd5\u6848\u70ba\u57fa\u672c\u5de5\u4f5c\u8005\u53ca\u5176\u5bb6\u4eba\u63d0\u4f9b\u4e86\u9577\u9054\u4e94\u5e74\u7684\u7c21\u5316\u7533\u8acb\u6d41\u7a0b\u548c\u8cc7\u91d1\u3002<\/p>\n\n

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