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<\/p>\n
<\/p>\n
\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u65b0\u898f\u5951\u7d04\u6570\u304c\u5927\u304d\u304f\u6e1b\u5c11\u3057\u3066\u3044\u308b\u4e00\u65b9\u3067\u3001\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u7248\u3068\u547c\u3070\u308c\u308b\u5f62\u3067\u306e\u9577\u671f\u4ecb\u8b77\u88dc\u511f\u306e\u5951\u7d04\u304c\u5927\u304d\u304f\u4e0a\u6607\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u751f\u547d\u4fdd\u967a\u3084\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u3001\u6162\u6027\u75c7\u72b6\u4ecb\u8b77\uff08chronic care)\u7279\u7d04\u306a\u3069\u3001\u7279\u7d04\uff08rider\uff09\u3092\u4ed8\u52a0\u3059\u308b\u5f62\u3067\u9577\u671f\u4ecb\u8b77\u306b\u5099\u3048\u308b\u3082\u306e\u3084\u3001\u305d\u3082\u305d\u3082\u751f\u547d\u4fdd\u967a\u3068\u9577\u671f\u4ecb\u8b77\u3092\u5408\u4f53\u3055\u305b\u3066\u5546\u54c1\u5316\u3057\u3066\u3044\u308b\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n
\u9577\u671f\u4ecb\u8b77\u306e\u305f\u3081\u306b\u5f97\u3089\u308c\u308b\u88dc\u511f\u306f\u3001\u6b7b\u4ea1\u4fdd\u969c\u984d\u3092\u9650\u5ea6\u3068\u3059\u308b\u306e\u304c\u3075\u3064\u3046\u3067\u3001\u6708\u3005\u6b7b\u4ea1\u4fdd\u969c\u306e\u3007\u30d1\u30fc\u30bb\u30f3\u30c8\u304c\u652f\u6255\u9650\u5ea6\u3068\u3044\u3046\u3088\u3046\u306a\u5f62\u3067\u9650\u5b9a\u304c\u3064\u304d\u307e\u3059\u3002\u4fdd\u967a\u6599\u306b5\uff5e15%\u7a0b\u5ea6\u306e\u7279\u7d04\u6599\u3092\u4ed8\u52a0\u3057\u3066\u3053\u306e\u88dc\u511f\u3092\u63d0\u4f9b\u3059\u308b\u3068\u3053\u308d\u3084\u3001\u8ffd\u52a0\u306e\u6599\u91d1\u306f\u53d6\u3089\u306a\u3044\u304c\u3001\u3082\u3057\u3082\u9577\u671f\u4ecb\u8b77\u3092\u5229\u7528\u3057\u305f\u5834\u5408\u306b\u306f\u6b7b\u4ea1\u4fdd\u969c\u304c\u5927\u304d\u304f\u6e1b\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u3068\u3053\u308d\u304c\u3042\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n
\u305f\u3068\u3048\u3070\u3001$500,000\u306e\u6b7b\u4ea1\u88dc\u511f\u306b\u30011\u30f6\u6708\u306b\uff12\uff05\uff08$10,000\uff09\u3092\u9577\u671f\u4ecb\u8b77\u88dc\u511f\u3068\u3057\u30664\u5e74\u3092\u9650\u5ea6\u306b\u652f\u6255\u3046\u3068\u3044\u3046\u3088\u3046\u306a\u3082\u306e\u3067\u3059\u3002\u9577\u671f\u4ecb\u8b77\u88dc\u511f\u3092\u4f7f\u308f\u305a\u306b\u6b7b\u4ea1\u3059\u308c\u3070$500,000\u306e\u88dc\u511f\u91d1\u304c\u652f\u6255\u308f\u308c\u3001\u9577\u671f\u4ecb\u8b77\u304c\u5fc5\u8981\u306b\u306a\u308c\u3070$10,000\/\u6708\u30674\u5e74\u307e\u3067\u88dc\u511f\u3001\u305d\u306e\u5f8c\u6b7b\u4ea1\u3057\u305f\u6642\u70b9\u3067\u306f\u6b7b\u4ea1\u88dc\u511f\u91d1\u306f\u53d7\u3051\u305f\u9577\u671f\u4ecb\u8b77\u88dc\u511f\u306e\u5206\u3060\u3051\u6e1b\u984d\u3055\u308c\u308b\u3068\u3044\u3046\u3057\u304f\u307f\u3067\u3059\u3002<\/p>\n
\u307e\u305f\u5225\u306e\u30bf\u30a4\u30d7\u3067\u306f\u3001\u305f\u3068\u3048\u307065\u6b73\u3067$100,000\u3092\u4e00\u62ec\u3067\u6255\u3044\u8fbc\u3081\u3070\u3001\u9577\u671f\u4ecb\u8b77\u88dc\u511f\u3068\u3057\u3066\u6708\u306b$4,723\u3001\u30c8\u30fc\u30bf\u30eb$226,000\u307e\u3067\u30ab\u30d0\u30fc\u3057\u3001\u3082\u3057\u3082\u9577\u671f\u4ecb\u8b77\u3092\u4f7f\u308f\u305a\u306b\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u306f$113,000\u3092\u6b7b\u4ea1\u4fdd\u969c\u3068\u3057\u3066\u652f\u6255\u3046\u3068\u3044\u3046\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u4e00\u62ec\u3067\u652f\u6255\u3046\u306e\u3067\u4fdd\u967a\u6599\u306e\u4e0a\u6607\u3092\u6c17\u306b\u3059\u308b\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4e00\u65b9\u3067\u3001\u88dc\u511f\u4e0a\u9650\u306e$226,000\u306e\u9577\u671f\u4ecb\u8b77\u304c\u3082\u3057\u3082\u5fc5\u8981\u3067\u3042\u3063\u305f\u5834\u5408\u3067\u3082\u3001\u306a\u3093\u3068\u304b\u81ea\u5df1\u8ca0\u62c5\u3067\u652f\u6255\u3046\u80fd\u529b\u304c\u3042\u308b\u306e\u306a\u3089\u3001\u308f\u3056\u308f\u3056$100,000\u3092\u624b\u653e\u3057\u3066\u3001\u5fc5\u8981\u3067\u3082\u306a\u3044\u751f\u547d\u4fdd\u967a\u3082\u8cb7\u3046\u5fc5\u8981\u3082\u306a\u3044\u3068\u3082\u3044\u3048\u307e\u3059\u3002\u305d\u308c\u306a\u3089\u3070\u3001$100,000\u3092\u81ea\u5df1\u8cc7\u91d1\u3068\u3057\u3066\u6295\u8cc7\u306b\u56de\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n
\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u578b\u306f\u3001\u305d\u3082\u305d\u3082\u306f\u751f\u547d\u4fdd\u967a\u3001\u3042\u308b\u3044\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u3059\u304b\u3089\u3001\u9577\u671f\u4ecb\u8b77\u306e\u88dc\u511f\u304c\u6b32\u3057\u3044\u304b\u3089\u8003\u616e\u3059\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3082\u3068\u3082\u3068\u751f\u547d\u4fdd\u967a\u3084\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u5fc5\u8981\u3067\u3042\u308b\u304b\u3089\u5165\u308b\u3053\u3068\u3001\u3042\u308b\u3044\u306f\u3059\u3067\u306b\u5165\u3063\u3066\u3044\u308b\u3053\u3068\u3092\u524d\u63d0\u306b\u3001\u305d\u3053\u306b\u9577\u671f\u4ecb\u8b77\u306e\u8981\u7d20\u3092\u4ed8\u3051\u52a0\u3048\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002<\/p>\n
\u7d42\u8eab\u4fdd\u967a\u3092\u3059\u3067\u306b\u3082\u3063\u3066\u304a\u308a\u30ad\u30e3\u30f3\u30bb\u30eb\u3059\u308b\u306e\u3082\u306f\u3070\u304b\u3089\u308c\u308b\u306e\u3067\u30011035\u30a8\u30af\u30b9\u30c1\u30e3\u30f3\u30b8\uff08\u7a0e\u5236\u4e0a\u3067\u30011035Exchange\u3068\u547c\u3070\u308c\u3001\u7a0e\u91d1\u304c\u767a\u751f\u3057\u306a\u3044\u5f62\u3067\u5207\u308a\u66ff\u3048\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\uff09\u306b\u3088\u308a\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u7279\u7d04\u4ed8\u306e\u751f\u547d\u4fdd\u967a\u306b\u4e57\u308a\u63db\u3048\u308b\u3068\u3044\u3046\u30c1\u30e7\u30a4\u30b9\u306f\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n
\u3044\u305a\u308c\u306b\u305b\u3088\u3001\u751f\u547d\u4fdd\u967a\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u5951\u7d04\u306f\u3001\u4e00\u751f\u3082\u306e\u3067\u3059\u3002\u81ea\u52d5\u8eca\u4fdd\u967a\u306e\u3088\u3046\u306a\u6c17\u8efd\u3055\u3067\u52a0\u5165\u3057\u3066\u306f\u3044\u3051\u307e\u305b\u3093\u3002\u8ff7\u3044\u304c\u3042\u308b\u3068\u304d\u306f\u3001\u72ec\u7acb\u7cfb\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30d7\u30e9\u30ca\u30fc\u306b\u76f8\u8ac7\u3057\u3001\u3088\u304f\u7406\u89e3\u306e\u4e0a\u8cfc\u5165\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n
<\/p>\n
<\/p>\n
\u77ed\u671f\u4ecb\u8b77\u4fdd\u967a\u3068\u3044\u3046\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u304c$150~$200\u7a0b\u5ea6\u306e\u88dc\u511f\u30923\u5e74~4\u5e74\u7a0b\u5ea6\u307e\u3067\u63d0\u4f9b\u3059\u308b\u3068\u3044\u3046\u306e\u304c\u591a\u3044\u4e00\u65b9\u3067\u3001\u77ed\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u82e5\u5e72\u5c11\u306a\u3081\u306e\u88dc\u511f\u30ec\u30d9\u30eb\u3067$100~$200\u7a0b\u5ea6\u309290\u65e5\u9593\uff5e1\u5e74\u306a\u3069\u306e\u3088\u3046\u306a\u5f62\u3067\u88dc\u511f\u3057\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u6700\u8fd1\u3067\u306f\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u304c\u3069\u3093\u3069\u3093\u9ad8\u984d\u306b\u306a\u3063\u3066\u3044\u308b\u80cc\u666f\u304c\u3042\u308a\u3001\u77ed\u671f\u4ecb\u8b77\u4fdd\u967a\u3068\u307e\u3067\u306f\u3044\u304b\u306a\u304f\u3068\u3082\u3001\u4ecb\u8b77\u306e\u88dc\u511f\u671f\u9593\u3092\u6bd4\u8f03\u7684\u77ed\u304f\u3059\u308b\u50be\u5411\u304c\u3042\u308a\u307e\u3059\u30022000\u5e74\u306b\u306f\u52a0\u5165\u8005\u5e73\u5747\u306e\u88dc\u511f\u671f\u9593\u306f5.5\u5e74\u3067\u3042\u3063\u305f\u306e\u304c\u3001\u73fe\u5728\u3067\u306f2\u5e74\u307e\u3067\u77ed\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u305f\u3057\u304b\u306b\u3001\u3042\u307e\u308a\u306b\u614e\u91cd\u306b\u53b3\u91cd\u3059\u304e\u308b\u88dc\u511f\u3092\u8cb7\u3046\u306e\u306f\u3001\u5927\u304d\u306a\u30b3\u30b9\u30c8\u4e0a\u6607\u3092\u62db\u304f\u3068\u3068\u3082\u306b\u904e\u88dc\u511f\u306b\u306a\u308a\u304c\u3061\u3067\u3059\u304b\u3089\u907f\u3051\u305f\u3044\u4e00\u65b9\u3067\u3001\u4fdd\u967a\u306f\u305d\u3082\u305d\u3082\u306f\u81ea\u5206\u305f\u3061\u3067\u306f\u30ab\u30d0\u30fc\u3057\u304d\u308c\u306a\u3044\u5927\u304d\u306a\u640d\u5931\u3084\u30b3\u30b9\u30c8\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3068\u3044\u3046\u30ea\u30b9\u30af\u5bfe\u7b56\u304c\u76ee\u7684\u306a\u306e\u3067\u3001\u3042\u307e\u308a\u306b\u77ed\u3044\u671f\u9593\u3001\u3042\u307e\u308a\u306b\u5c0f\u3055\u306a\u984d\u3060\u3051\u3057\u304b\u88dc\u511f\u305b\u305a\u3001\u305b\u3063\u304b\u304f\u5165\u3063\u3066\u3044\u305f\u3051\u3069\u3042\u307e\u308a\u5b9f\u52b9\u529b\u304c\u306a\u304b\u3063\u305f\u3068\u3046\u3053\u3068\u306b\u306a\u3089\u306a\u3044\u3088\u3046\u306b\u6c17\u3092\u3064\u3051\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u3002<\/p>\n
<\/p>\n
\u305d\u3082\u305d\u3082\u77ed\u671f\u4ecb\u8b77\u4fdd\u967a\u306f\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u304c\u59cb\u307e\u308b\u307e\u3067\u306eWaiting Period (Elimination Period)\u3092\u30ab\u30d0\u30fc\u3059\u308b\u305f\u3081\u306e\u3082\u306e\u3067\u3001\u77ed\u671f\u4ecb\u8b77\u4fdd\u967a\u3060\u3051\u8cb7\u3063\u3066\u305d\u308c\u3067\u3044\u3044\u3068\u3044\u3046\u4f7f\u3044\u65b9\u3092\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u3088\u3063\u3066\u3001\u672c\u6765\u306f\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u4ee3\u308f\u308a\u306b\u306a\u308b\u985e\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n
<\/p>\n
\u00a0<\/strong><\/p>\n \u307e\u3060<\/strong>40<\/strong>\u6b73\u4ee5\u4e0b\u306a\u3089<\/strong>\u3001\u5951\u7d04\u304b\u3089\u88dc\u511f\u3092\u53d7\u3051\u308b\u307e\u3067\u306b\u3088\u308a\u9577\u671f\u9593\u304c\u5b58\u5728\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u306b\u306f\u4e0d\u78ba\u5b9a\u8981\u7d20\u304c\u3055\u3089\u306b\u5927\u304d\u304f\u306a\u308a\u304c\u3061\u3067\u3059\u3002\u305d\u308c\u306a\u3089\u3070\u3001\u4fdd\u967a\u6599\u306b\u3042\u3066\u308b\u304a\u91d1\u3092\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u3068\u3057\u3066\u81ea\u5206\u3067\u904b\u7528\u3059\u308b\u307b\u3046\u304c\u7406\u306b\u304b\u306a\u3046\u3067\u3057\u3087\u3046\u3002\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u307e\u3067\u6642\u9593\u304c\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u305d\u306e\u5206\u3001\u9ad8\u30ea\u30b9\u30af\u3082\u3068\u308c\u307e\u3059\u3002<\/p>\n 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