< type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","mainEntityOfPage":"https://tw.stock.yahoo.com/news/%E5%AF%A6%E6%94%AF%E5%AF%A6%E4%BB%98%E9%9A%AA%E6%BC%B2%E5%83%B9-%E5%9C%8B%E6%B3%B0%E9%87%91%E7%B8%BD%E5%BA%A7%E6%9D%8E%E9%95%B7%E5%BA%9A%E9%A6%96%E5%BA%A6%E8%A1%A8%E6%85%8B%E3%80%8C%E6%A8%82%E8%A7%80%E5%85%B6%E6%88%90%E3%80%8D-072219674.html","headline":"實支實付險漲價 國泰金總座李長庚首度表態「樂觀其成」","datePublished":"2025-08-22T07:22:20.000Z","dateModified":"2025-08-22T07:22:20.000Z","keywords":["李長庚","國泰金","國泰人壽"],"description":"實支實付險驚傳漲價三成，具溯及舊保單，引發數百萬保戶憂心。國泰金（2882）旗下國泰人壽為國內壽險業龍頭，今（22）日國泰金下午召開法說會，會後總經理李長庚被問到相關問題，他也表態「樂觀其成」，一個好的保障型商品能有機制，能夠兼顧保戶權益及公司長期穩健經營。他說「本來條款就只保證續保，但沒有保證費率，環境改變20...","publisher":{"@type":"Organization","name":"Yahoo奇摩新聞","logo":{"@type":"ImageObject","url":"https://s.yimg.com/cv/apiv2/twmobi/icon/yahoo_tw_logo_structuredata_20200630.png","width":136,"height":60}},"author":{"@type":"Person","name":"葉憶如｜Yahoo財經特派記者","url":"https://tw.stock.yahoo.com/author/%E8%91%89%E6%86%B6%E5%A6%82","jobTitle":""},"creator":{"@type":"Person","name":"葉憶如｜Yahoo財經特派記者","url":"https://tw.stock.yahoo.com/author/%E8%91%89%E6%86%B6%E5%A6%82","jobTitle":""},"provider":{"@type":"Organization","name":"Yahoo奇摩股市","url":"https://tw.stock.yahoo.com/reporter/","logo":{"@type":"ImageObject","width":156,"height":32,"url":"https://s.yimg.com/os/creatr-uploaded-images/2024-12/1eeff400-bcd6-11ef-8ffc-9e7a7e9d3e65"}},"image":{"@type":"ImageObject","url":"https://s.yimg.com/ny/api/res/1.2/fYEq3zHoJc_dV_ueuuYDAg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTI0MDA7aD0xODAwO2NmPXdlYnA-/https://s.yimg.com/os/creatr-uploaded-images/2025-08/7e1eea20-7f28-11f0-bb2d-d432da52d1fd","height":900,"width":1200},"thumbnailUrl":"https://s.yimg.com/ny/api/res/1.2/fYEq3zHoJc_dV_ueuuYDAg--/YXBwaWQ9aGlnaGxhbmRlcjt3PTI0MDA7aD0xODAwO2NmPXdlYnA-/https://s.yimg.com/os/creatr-uploaded-images/2025-08/7e1eea20-7f28-11f0-bb2d-d432da52d1fd"}實支實付險漲價 國泰金總座李長庚首度表態「樂觀其成」
實支實付險驚傳漲價三成，具溯及舊保單，引發數百萬保戶憂心。國泰金（2882）旗下國泰人壽為國內壽險業龍頭，今（22）日國泰金下午召開法說會，會後總經理李長庚被問到相關問題，他也表態「樂觀其成」，一個好的保障型商品能有機制，能夠兼顧保戶權益及公司長期穩健經營。他說「本來條款就只保證續保，但沒有保證費率，環境改變20年都不變並不合理。
國泰金總經理李長庚。圖/記者葉憶如攝實支實付「賠怕了」，傳出金管會請保發中心研議1年期以下傷害險與健康險調費指引，實支實付型健康險大開漲價之門，保費除了將逐年調漲，首年漲幅甚至將達3成。
今天被問到對實支實付險漲價的議題，李長庚首度對外回應。他說，一是它有法令上層面問題。二是一般保戶認知的問題。從法律條款來看，實支實付險是屬一年一簽的契約，本來條款就只保證續保，但沒有保證你原本的費率不變。他說，隨著成本上升、環境改變，若假設保費不上升，20年費率都不變，也不太合理。採光罩矽利康應當從金管會、保發中心很多方式，如何兼顧到保戶權益及公司長期穩健經營，我們會樂觀其成，一個好的保障型商品，能持續保障民眾 也不能因外在環境改變，費率不能改變，某種機制的調整，讓彼此雙方都能接受，是大家努力的方向。
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