第3部份：保單附加利益

正確答案 / Correct Answer: B

• 保費豁免附加保障的核心功能是：當被保人因疾病或意外導致完全傷殘時，豁免其主保單的後續保費，使保單繼續有效。
• 這確保即使被保人失去工作能力、無法繳費，保單保障仍然維持。
• 此附加保障不提供額外賠償，而是保單費用的保護機制。

• The core function of the WP Benefit Rider is: when the insured becomes totally disabled due to illness or accident, subsequent premiums on the main policy are waived, keeping the policy in force.
• This ensures the policy remains valid even if the insured loses earning capacity and cannot pay premiums.
• This rider does not provide additional benefits but is a premium cost protection mechanism.

正確答案 / Correct Answer: A

• 傷殘收入保障旨在當被保人因疾病或意外導致傷殘而無法工作時，提供定期（如每月）的收入替代，幫助維持生活。
• 住院費用保障屬於醫療保險的範疇，並非傷殘收入保障。
• 傷殘收入保障通常每月支付，並非一次過賠償（一次過賠償屬於傷殘整筆賠償保障）。

• Disability income coverage aims to provide periodic (e.g. monthly) income replacement when the insured is unable to work due to illness or accident, helping to maintain their standard of living.
• Hospitalization expense coverage falls under health insurance, not disability income coverage.
• Disability income is typically paid monthly, not as a lump sum (lump-sum payment is characteristic of disability lump sum coverage).