Category: Life & Health Insurance (L&H)
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🌼 無證移民 × 懷孕保險：哪些州提供孕婦醫療補助？哪些只能 Emergency Delivery？ Undocumented Immigrants & Pregnancy Coverage: Which States Offer Prenatal Benefits vs. Emergency Delivery Only
無證移民在美國懷孕，可以看產檢嗎？生產費用會被 cover 嗎？這篇文章整理加州、德州、佛州、紐約的孕婦醫療差異，說明哪些州提供完整產檢、哪些州只有 Emergency Delivery，以及孩子出生後可申請的 Medicaid / CHIP 福利。Can undocumented immigrants get pregnancy coverage in the U.S.? This guide explains which states offer full prenatal care (CA, NY) and which only cover emergency delivery (TX, FL). Includes details on Emergency Medicaid, baby benefits, required documents, and why these programs do not affect immigration cases.
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🩺🤰 Undocumented Pregnancy & Maternity Care：無證移民的懷孕、產檢與生產醫療指南 Pregnancy & Maternity Insurance for Undocumented Moms：What Care Is Available & How to Protect Yourself
這篇文章整理「有保險的家庭」與「無證移民家庭」在美國懷孕與新生兒醫療 coverage 的差別。從產檢、分娩到新生兒加保，說明一般保單的自動保障機制，也介紹無證移民常見選項：CHIP 孕婦專案、州自籌孕產計畫、Emergency Medicaid 與社區診所資源，並提供實用清單，幫你在語言與身份壓力之下仍能保護自己與寶寶。This guide explains how maternity and newborn coverage works for families with health insurance and for undocumented immigrants in the U.S. It covers typical employer/ACA plans, newborn enrollment rules, pregnancy-only programs, CHIP unborn child options, Emergency Medicaid, and state-funded coverage, plus a practical checklist for undocumented or mixed-status families planning…
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🏥 Disability Income：萬一不能工作，收入如何被保險接住？ Disability Income: If You Can’t Work, Who Protects Your Paycheck
Disability Income（傷病失能收入保險）不是賠醫療帳單，也不是賠身故，而是在你因疾病或意外暫時不能工作時，每個月補貼一部分收入。本文說明常見條款、等待期、給付比例與誰特別需要，幫你看懂這塊容易被忽略的收入防護網。Disability Income insurance doesn’t pay hospitals — it protects your paycheck when sickness or injury keeps you from working. This article explains how DI works, key terms like own occupation and waiting period, and who may benefit most from adding this coverage to their overall Life & Health plan.
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💚 重大疾病險 / Cancer Plan：重大疾病來了，醫療險之外誰來幫你？ Critical Illness / Cancer Plans: When a Diagnosis Hits, Who Covers Your Life Costs?
「重大疾病險／癌症險」不是替代醫療險，而是在確診癌症、心肌梗塞、中風等時，一次給你一包現金，幫你撐過房貸、生活費與自付額。本篇帶你看懂保障範圍、給付方式與挑選重點。Critical Illness and Cancer plans don’t replace medical insurance — they provide a lump-sum cash benefit when a serious diagnosis happens, so you can keep paying your bills and focus on treatment. This article explains how these plans work, who might need them, and what to look for when choosing coverage.
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📜 Term vs Whole vs 醫療險 vs Travel：不同保單的真正用途是什麼？ Term vs Whole vs Medical vs Travel Insurance: What Is Each Policy Really For?
Term Life、Whole Life、醫療險、旅遊險到底差在哪裡？這篇用真實情境說明每一種保單在處理哪一種風險：有人過世的「收入缺口」、醫療帳單、短期旅行風險與長期規劃，幫你避免拿錯保單、期待它變成全能超人。 Term life, whole life, medical insurance and travel insurance all cover very different risks. This guide explains, in plain English, what each type of policy is truly for and how they work together, so you don’t rely on the wrong policy to do the wrong job.