"viaticals" in Chinese (Traditional)

• 帶病保險轉讓

Definition

帶病保險轉讓是一種金融產品，指保單持有人將自己的人壽保險出售給第三方，第三方於原持有人過世後取得理賠金。這通常用於末期患者在去世前需要資金時。

Usage Notes (Chinese (Traditional))

“帶病保險轉讓”屬於專業金融、保險用語，非日常出差報銷。多與重症、末期患者相關。請勿與“差旅費”混淆。

Examples

Many people with terminal illnesses sell their insurance policies as viaticals.

許多末期患者會將保單作為**帶病保險轉讓**出售。

Investing in viaticals can be risky but sometimes profitable.

投資**帶病保險轉讓**有風險，但有時也能獲利。

My uncle learned about viaticals when he was planning his finances.

我叔叔在規劃財務時認識到**帶病保險轉讓**。

Some people use viaticals as an alternative way to access cash when facing huge medical bills.

有些人在面對高額醫療費時，將**帶病保險轉讓**作為籌錢的方式。

Because of some scandals, viaticals are more regulated now than before.

因為一些醜聞，**帶病保險轉讓**現在受到更嚴格的規管。

If you’re thinking about viaticals, talk to a financial advisor first.

如果考慮**帶病保險轉讓**，建議先諮詢理財顧問。