2025 年 12 月 24 日 
隨著台灣邁入「超高齡社會」，長壽風險已成為國人不可忽視的課題。根據衛福部統計，國人平均不健康餘命長達8年，長期照顧所產生的龐大醫療與看護費用，往往成為家庭經濟的沈重負擔。
新光人壽推出「新光人壽新依靠A型長期照顧終身保險」及「新光人壽新依靠B型長期照顧終身健康保險」，主打長期照顧保險金及完全失能保險金提供「一次給付」加上「分期給付」的雙重防護網。保戶一旦經專科醫師診斷符合「長期照顧狀態」（生理功能障礙或認知功能障礙），即可先領取「長期照顧一次保險金」，作為購買輔具、改善居家環境的急用金；後續更提供「長期照顧分期保險金」，協助填補每月的看護或療養費用，此外若符合「長期照顧狀態」期間或致成保單條款附表所列第1~6級失能程度之一者，即可豁免保費，且持續享有保障。實際給付內容與要件以保單條款約定為主。
- •「新依靠A型長期照顧終身保險」： 適合預算較充裕、重視資產傳承的族群。且具有壽險保障功能，若保戶身故，將給付身故保險金或喪葬費用保險金（壽險當年度保險金額，係指應繳保險費總和的05倍扣除已申領之各項保險金總和），讓保費有去有回，兼顧長照防護與資產保全。
- •「新依靠B型長期照顧終身健康保險」： 適合預算有限、或已完善壽險保障的族群，可將預算集中在提高長照保障額度。以親民保費即可享有充足的長照保障，讓年輕族群或小資家庭也能輕鬆提前規劃，安心守護未來。
面對即將來臨的長照海嘯，最聰明的策略就是「提早規劃、分散風險」。依照自身經濟能力與需求，打造專屬的長照防護傘，不僅讓未來的自己活得更有尊嚴，也為家人留下一份最溫暖的依靠。
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