{"id":7222,"date":"2025-02-28T18:05:40","date_gmt":"2025-02-28T09:05:40","guid":{"rendered":"https:\/\/joyn.tokyo\/?p=7222"},"modified":"2025-12-11T12:01:28","modified_gmt":"2025-12-11T03:01:28","slug":"navigating-insurance-in-japan","status":"publish","type":"post","link":"https:\/\/joyn.tokyo\/zh\/admin\/navigating-insurance-in-japan","title":{"rendered":"\u65e5\u672c\u4fdd\u9669\u6307\u5357\uff1a\u5916\u56fd\u4eba\u5fc5\u5907\u6307\u5357"},"content":{"rendered":"<p>\u4e86\u89e3\u65e5\u672c\u7684\u4fdd\u9669\u5236\u5ea6\u5bf9\u4e8e\u4efb\u4f55\u5728\u65e5\u672c\u751f\u6d3b\u6216\u8ba1\u5212\u79fb\u5c45\u65e5\u672c\u7684\u4eba\u6765\u8bf4\u90fd\u81f3\u5173\u91cd\u8981\u3002\u65e5\u672c\u6709\u4e00\u4e2a\u9ad8\u5ea6\u89c4\u8303\u7684\u4fdd\u9669\u4f53\u7cfb\uff0c\u5305\u62ec\u5f3a\u5236\u4fdd\u9669\u548c\u81ea\u613f\u4fdd\u9669\u3002\u672c\u6307\u5357\u5c06\u6982\u8ff0\u65e5\u672c\u73b0\u6709\u7684\u4e0d\u540c\u7c7b\u578b\u7684\u4fdd\u9669\u3001\u5b83\u4eec\u7684\u529f\u80fd\u4ee5\u53ca\u5916\u56fd\u4eba\u5982\u4f55\u6709\u6548\u5730\u5229\u7528\u8be5\u7cfb\u7edf\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"understanding-japans-insurance-system\">\u4e86\u89e3\u65e5\u672c\u7684\u4fdd\u9669\u5236\u5ea6<\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69e7ae34d18e1&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69e7ae34d18e1\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"630\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/joyn.tokyo\/wp-content\/uploads\/2025\/02\/2-4-1024x630.jpg\" alt=\"-\" class=\"wp-image-7223\"><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"\u653e\u5927\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewbox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>\u65e5\u672c\u6709\u4e00\u4e2a\u9ad8\u5ea6\u89c4\u8303\u7684\u4fdd\u9669\u4f53\u7cfb\uff0c\u65e8\u5728\u4e3a\u5c45\u6c11\u63d0\u4f9b\u7ecf\u6d4e\u4fdd\u969c\u548c\u533b\u7597\u652f\u6301\u3002\u4e3b\u8981\u5206\u4e3a\u4e24\u5927\u7c7b\uff1a<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u516c\u5171\uff08\u793e\u4f1a\uff09\u4fdd\u9669<\/strong>:\u7531\u56fd\u5bb6\u6216\u5730\u65b9\u653f\u5e9c\u63d0\u4f9b\uff0c\u6db5\u76d6\u533b\u7597\u3001\u517b\u8001\u91d1\u548c\u5c31\u4e1a\u3002.<\/li>\n\n\n\n<li><strong>\u79c1\u4eba\u4fdd\u9669<\/strong>:\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u7684\u9644\u52a0\u6216\u4e13\u95e8\u4fdd\u9669\u3002.<\/li>\n<\/ol>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u6bcf\u4e2a\u7c7b\u522b\u7684\u8be6\u7ec6\u4ecb\u7ecd\uff0c\u4ee5\u53ca\u4f60\u53ef\u80fd\u5728\u5176\u4ed6\u5730\u65b9\u627e\u4e0d\u5230\u7684\u72ec\u7279\u4fdd\u9669\u4ea7\u54c1\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"public-insurance-social-insurance\">\u516c\u5171\u4fdd\u9669\uff08\u793e\u4f1a\u4fdd\u9669\uff09<\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69e7ae34d2534&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69e7ae34d2534\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"630\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/joyn.tokyo\/wp-content\/uploads\/2025\/02\/3-8-1024x630.jpg\" alt=\"-\" class=\"wp-image-7323\"><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"\u653e\u5927\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewbox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>\u5728\u6df1\u5165\u4e86\u89e3\u79c1\u4eba\u8ba1\u5212\u4e4b\u524d\uff0c\u6709\u5fc5\u8981\u4e86\u89e3\u65e5\u672c\u516c\u5171\u4fdd\u9669\u7684\u6838\u5fc3\u6846\u67b6\u3002\u5728\u6b64\uff0c\u6211\u4eec\u5c06\u4ecb\u7ecd\u5065\u5eb7\u4fdd\u9669\u3001\u517b\u8001\u91d1\u5236\u5ea6\u548c\u5176\u4ed6\u5f3a\u5236\u6027\u4fdd\u62a4\u63aa\u65bd\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"health-insurance-employees-health-insurance-national-health-insurance\">\u5065\u5eb7\u4fdd\u9669\uff08\u5458\u5de5\u5065\u5eb7\u4fdd\u9669\u548c\u56fd\u6c11\u5065\u5eb7\u4fdd\u9669\uff09<\/h3>\n\n\n\n<p><strong>\u5728\u65e5\u672c\uff0c\u6240\u6709\u5c45\u6c11\u90fd\u5fc5\u987b\u53c2\u52a0\u533b\u7597\u4fdd\u9669\u3002.<\/strong> \u4e3b\u8981\u6709\u4e24\u79cd\u7c7b\u578b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u96c7\u5458\u533b\u7597\u4fdd\u9669 (<em>\u9152\u4e95\u6cd5\u5b50<\/em>, \u793e\u4f1a\u4fdd\u967a)<\/strong> \u901a\u8fc7\u96c7\u4e3b\u63d0\u4f9b\uff0c\u8986\u76d6\u96c7\u5458\u53ca\u5176\u5bb6\u5c5e\u3002\u4fdd\u9669\u8d39\u7531\u96c7\u4e3b\u548c\u96c7\u5458\u5171\u540c\u627f\u62c5\uff0c\u4fdd\u9669\u8303\u56f4\u5305\u62ec\u533b\u7597\u8d39\u7528\u3001\u751f\u80b2\u6d25\u8d34\u548c\u6b8b\u75be\u6d25\u8d34\u3002.<\/li>\n\n\n\n<li><strong>\u56fd\u6c11\u5065\u5eb7\u4fdd\u9669 (<em>\u56fd\u5206\u53bf\u7acb\u56fe\u4e66\u9986<\/em>, \u56fd\u6c11\u5065\u5eb7\u4fdd\u967a)<\/strong> \u9002\u7528\u4e8e\u81ea\u8425\u804c\u4e1a\u8005\u3001\u5b66\u751f\u548c\u517c\u804c\u5de5\u4f5c\u8005\u3002\u8be5\u4fdd\u9669\u7531\u5730\u65b9\u653f\u5e9c\u7ba1\u7406\uff0c\u4fdd\u8d39\u6839\u636e\u6536\u5165\u548c\u5bb6\u5ead\u4eba\u53e3\u800c\u5b9a\u3002.<\/li>\n<\/ul>\n\n\n\n<p>\u5728\u8fd9\u4e24\u4e2a\u7cfb\u7edf\u4e0b\u3001, <strong>\u6838\u51c6\u533b\u7597\u8d39\u7528\u7684 70%<\/strong> \u4e00\u822c\u90fd\u5305\u62ec\u5728\u5185\uff0c\u60a8\u53ea\u9700\u652f\u4ed8 <strong>30%<\/strong> \u81ea\u8d39\u3002\u4e0d\u8fc7\uff0c\u65e5\u672c\u63d0\u4f9b <strong>\u9ad8\u989d\u533b\u7597\u8d39\u7528\u62a5\u9500\u5236\u5ea6<\/strong>, \u60a8\u53ef\u4ee5\u7533\u8bf7\u8fd4\u8fd8\u8d85\u8fc7\u4e00\u5b9a\u9650\u989d\u7684\u8d39\u7528\u3002.<\/p>\n\n\n\n<p><em>(\u53c2\u8003\u8d44\u6599 <a href=\"https:\/\/www.mhlw.go.jp\/stf\/seisakunitsuite\/bunya\/kenkou_iryou\/iryouhoken\/iryouhoken01\/index.html\" target=\"_blank\" rel=\"noopener\">\u536b\u751f\u3001\u52b3\u52a8\u548c\u798f\u5229\u90e8<\/a>)<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pension-insurance-nenkin-%e5%b9%b4%e9%87%91\">\u517b\u8001\u4fdd\u9669 (<em>\u5ae9\u91d1<\/em>, \u5e74\u91d1)<\/h2>\n\n\n\n<p>\u65e5\u672c\u7684\u517b\u8001\u91d1\u5236\u5ea6\u4e3a 20 \u81f3 60 \u5c81\u7684\u5c45\u6c11\u63d0\u4f9b\u9000\u4f11\u671f\u95f4\u7684\u7ecf\u6d4e\u652f\u6301\uff0c\u662f\u5f3a\u5236\u6027\u7684\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u56fd\u6c11\u517b\u8001\u91d1 (<em>\u56fd\u660e\u5e74\u91d1<\/em>, \u56fd\u6c11\u5e74\u91d1)<\/strong>:\u9488\u5bf9\u81ea\u8425\u804c\u4e1a\u8005\u3001\u5b66\u751f\u548c\u81ea\u7531\u804c\u4e1a\u8005\u3002\u4fdd\u8d39\u5728\u5168\u56fd\u8303\u56f4\u5185\u662f\u56fa\u5b9a\u7684\uff0c\u653f\u5e9c\u53ef\u80fd\u4f1a\u4e3a\u65e0\u529b\u652f\u4ed8\u4fdd\u8d39\u7684\u4eba\u63d0\u4f9b\u8865\u8d34\u3002.<\/li>\n\n\n\n<li><strong>\u96c7\u5458\u517b\u8001\u91d1 (<em>Kosei Nenkin<\/em>, \u539a\u751f\u5e74\u91d1)<\/strong>:\u5982\u679c\u60a8\u4ece\u4e8b\u5168\u804c\u5de5\u4f5c\u6216\u7b26\u5408\u7279\u5b9a\u6761\u4ef6\uff0c\u53ef\u901a\u8fc7\u96c7\u4e3b\u52a0\u5165\u3002\u7f34\u8d39\u4ee5\u5de5\u8d44\u4e3a\u57fa\u7840\uff0c\u7531\u96c7\u4e3b\u5339\u914d\uff0c\u901a\u5e38\u6bd4\u56fd\u6c11\u517b\u8001\u91d1\u4ea7\u751f\u66f4\u9ad8\u7684\u798f\u5229\u3002.<\/li>\n<\/ul>\n\n\n\n<p>20-60 \u5c81\u7684\u5c45\u6c11\u5fc5\u987b\u53c2\u52a0\u517b\u8001\u4fdd\u9669\uff0c\u4ee5\u786e\u4fdd\u9000\u4f11\u540e\u7684\u7ecf\u6d4e\u652f\u6301\u3002\u6709\u4e24\u79cd\u7c7b\u578b\uff1a<\/p>\n\n\n\n<p><em>(\u53c2\u8003\u8d44\u6599\uff1a\u65e5\u672c\u517b\u8001\u91d1\u7ba1\u7406\u5c40\uff09<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"employment-insurance-koyo-hoken-%e9%9b%87%e7%94%a8%e4%bf%9d%e9%99%ba\">\u5c31\u4e1a\u4fdd\u9669 (<em>Koyo Hoken<\/em>, \u96c7\u7528\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u4e3a\u7b26\u5408\u7279\u5b9a\u6807\u51c6\u7684\u5931\u4e1a\u4eba\u5458\u63d0\u4f9b\u7ecf\u6d4e\u652f\u6301\u3002\u5b83\u5305\u62ec\u5931\u4e1a\u8865\u507f\u3001\u6280\u80fd\u53d1\u5c55\u8ba1\u5212\u548c\u5c31\u4e1a\u5b89\u7f6e\u670d\u52a1\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"workers-compensation-insurance-rodo-saigai-hoken-%e5%8a%b4%e5%83%8d%e7%81%bd%e5%ae%b3%e4%bf%9d%e9%99%ba\">\u5de5\u4eba\u8d54\u507f\u4fdd\u9669 (<em>Rodo Saigai Hoken<\/em>, \u52b4\u50cd\u707d\u5bb3\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u8be5\u4fdd\u9669\u7531\u96c7\u4e3b\u5168\u989d\u51fa\u8d44\uff0c\u6db5\u76d6\u533b\u7597\u8d39\u7528\u3001\u5de5\u8d44\u635f\u5931\u4ee5\u53ca\u5de5\u4f24\u6216\u75be\u75c5\u8d54\u507f\u3002.<\/p>\n\n\n\n<p><em>(\u8d44\u6599\u6765\u6e90\uff1a\u65e5\u672c\u539a\u751f\u52b3\u52a8\u7701\u517b\u8001\u91d1\u670d\u52a1\u90e8\u3002\uff09<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"private-insurance-in-japan\">\u65e5\u672c\u7684\u79c1\u4eba\u4fdd\u9669<\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69e7ae34d42a7&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69e7ae34d42a7\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"630\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/joyn.tokyo\/wp-content\/uploads\/2025\/02\/4-4-1024x630.jpg\" alt=\"-\" class=\"wp-image-7225\"><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"\u653e\u5927\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewbox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>\u867d\u7136\u65e5\u672c\u7684\u516c\u5171\u4fdd\u9669\u5236\u5ea6\u6db5\u76d6\u4e86\u57fa\u672c\u9700\u6c42\uff0c\u4f46\u8bb8\u591a\u5c45\u6c11\u9009\u62e9\u7528\u79c1\u4eba\u4fdd\u9669\u4f5c\u4e3a\u8865\u5145\uff0c\u4ee5\u83b7\u5f97\u989d\u5916\u7684\u4fdd\u969c\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"medical-insurance-iryo-hoken-%e5%8c%bb%e7%99%82%e4%bf%9d%e9%99%ba\">\u533b\u7597\u4fdd\u9669 (<em>Iryo Hoken<\/em>, \u533b\u7642\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u6db5\u76d6\u989d\u5916\u6cbb\u7597\u548c\u4f4f\u9662\uff0c\u5e76\u5e2e\u52a9\u652f\u4ed8\u516c\u5171\u4fdd\u9669\u6240\u8981\u6c42\u7684 30% \u5171\u4ed8\u989d\u3002\u6709\u4e9b\u8ba1\u5212\u4e3a\u4f4f\u9662\u6cbb\u7597\u6216\u7279\u5b9a\u75be\u75c5\uff08\u5982\u764c\u75c7\uff09\u63d0\u4f9b\u73b0\u91d1\u8865\u52a9\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"life-insurance-seimei-hoken-%e7%94%9f%e5%91%bd%e4%bf%9d%e9%99%ba\">\u4eba\u5bff\u4fdd\u9669 (<em>\u6e05\u660e\u65f6\u8282<\/em>, \u751f\u547d\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u5728\u53d7\u76ca\u4eba\u6b7b\u4ea1\u65f6\u4e3a\u5176\u63d0\u4f9b\u7ecf\u6d4e\u652f\u6301\uff0c\u6709\u4e9b\u4fdd\u5355\u8fd8\u5305\u62ec\u7edd\u75c7\u6216\u6b8b\u75be\u9644\u52a0\u9669\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"automobile-insurance-jidosha-hoken-%e8%87%aa%e5%8b%95%e8%bb%8a%e4%bf%9d%e9%99%ba\">\u6c7d\u8f66\u4fdd\u9669 (<em>\u5730\u9053\u793e\u970d\u80af<\/em>, \u81ea\u52d5\u8eca\u4fdd\u967a)<\/h3>\n\n\n\n<p><strong>\u5f3a\u5236\u6c7d\u8f66\u8d23\u4efb\u4fdd\u9669 (<em>\u5730\u5e73\u7ebf<\/em>, \u81ea\u4fc2\u95a2\u4fc2\u8eca\u4fdd\u967a)<\/strong>:\u6240\u6709\u8f66\u4e3b\u5fc5\u987b\u8d2d\u4e70\u3002\u8fd9\u53ea\u5305\u62ec\u5bf9\u7b2c\u4e09\u65b9\u7684\u4f24\u5bb3\u3002.<\/p>\n\n\n\n<p><strong>\u81ea\u613f\u6c7d\u8f66\u4fdd\u9669<\/strong>:\u4e3a\u81ea\u5df1\u548c\u4ed6\u4eba\u7684\u8d22\u4ea7\u635f\u5931\u3001\u76d7\u7a83\u548c\u4f24\u5bb3\u8d39\u7528\u63d0\u4f9b\u989d\u5916\u4fdd\u9669\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u8d22\u4ea7\u548c\u8d23\u4efb\u4fdd\u9669<\/strong> \u4e3a\u706b\u707e\u3001\u76d7\u7a83\u548c\u81ea\u7136\u707e\u5bb3\u63d0\u4f9b\u4fdd\u969c\u3002\u6709\u4e9b\u4fdd\u9669\u8fd8\u5305\u62ec\u65e5\u672c\u5e38\u89c1\u7684\u5730\u9707\u548c\u53f0\u98ce\u4fdd\u9669\u3002.<\/li>\n<\/ul>\n\n\n\n<p><em>(\u8d44\u6599\u6765\u6e90\uff1a\u65e5\u672c\u4fdd\u9669\u534f\u4f1a\uff0c\u65e5\u672c\u79c1\u8425\u4fdd\u9669\u516c\u53f8\uff09<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"additional-insurance-options\"><strong>\u5176\u4ed6\u4fdd\u9669\u9009\u62e9<\/strong><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69e7ae34d58de&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69e7ae34d58de\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"630\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/joyn.tokyo\/wp-content\/uploads\/2025\/02\/5-4-1024x630.jpg\" alt=\"-\" class=\"wp-image-7226\"><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"\u653e\u5927\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewbox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>\u9664\u4e86\u6838\u5fc3\u7684\u516c\u5171\u548c\u79c1\u4eba\u4fdd\u9669\u4e4b\u5916\uff0c\u65e5\u672c\u8fd8\u6709\u5176\u4ed6\u51e0\u79cd\u4fdd\u9669\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"travel-insurance-ryoko-hoken-%e6%97%85%e8%a1%8c%e4%bf%9d%e9%99%ba\">\u65c5\u884c\u4fdd\u9669 (<em>\u970d\u80af\u826f\u5b50<\/em>, \u65c5\u884c\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u6db5\u76d6\u533b\u7597\u8d39\u7528\u3001\u65c5\u884c\u53d6\u6d88\u3001\u884c\u674e\u9057\u5931\u53ca\u5176\u4ed6\u65c5\u884c\u76f8\u5173\u95ee\u9898\u3002\u5f3a\u70c8\u63a8\u8350\u56fd\u5185\u548c\u56fd\u9645\u65c5\u884c\u8005\u8d2d\u4e70\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"disability-insurance-shougai-hoken-%e9%9a%9c%e5%ae%b3%e4%bf%9d%e9%99%ba\">\u6b8b\u75be\u4fdd\u9669 (<em>\u5bff\u76d6-\u970d\u80af<\/em>, \u969c\u5bb3\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u5728\u6295\u4fdd\u4eba\u56e0\u4e25\u91cd\u6b8b\u75be\u800c\u65e0\u6cd5\u5de5\u4f5c\u65f6\u63d0\u4f9b\u7ecf\u6d4e\u63f4\u52a9\u3002\u6709\u4e9b\u4fdd\u9669\u63d0\u4f9b\u4e00\u6b21\u6027\u8d54\u4ed8\uff0c\u6709\u4e9b\u5219\u6309\u6708\u8d54\u4ed8\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"nursing-care-insurance-kaigo-hoken-%e4%bb%8b%e8%ad%b7%e4%bf%9d%e9%99%ba\">\u62a4\u7406\u4fdd\u9669 (<em>Kaigo Hoken<\/em>, \u4ecb\u8b77\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u8be5\u4fdd\u9669\u9002\u7528\u4e8e 40 \u5c81\u53ca\u4ee5\u4e0a\u7684\u5c45\u6c11\uff0c\u6709\u52a9\u4e8e\u4e3a\u8001\u5e74\u4eba\u548c\u6b8b\u75be\u4eba\u63d0\u4f9b\u957f\u671f\u62a4\u7406\u670d\u52a1\u3002\u8be5\u7cfb\u7edf\u5305\u62ec\u5bb6\u5ead\u62a4\u7406\u652f\u6301\u548c\u517b\u8001\u9662\u4fdd\u9669\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pet-insurance-petto-hoken-%e3%83%9a%e3%83%83%e3%83%88%e4%bf%9d%e9%99%ba\">\u5ba0\u7269\u4fdd\u9669 (<em>\u4f69\u6258-\u970d\u80af<\/em>, \u30da\u30c3\u30c8\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u652f\u4ed8\u5ba0\u7269\u7684\u517d\u533b\u8d39\u7528\u548c\u533b\u7597\u8d39\u7528\uff0c\u8fd9\u5728\u65e5\u672c\u53ef\u80fd\u5f88\u6602\u8d35\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"bicycle-insurance-jitensha-hoken-%e8%87%aa%e8%bb%a2%e8%bb%8a%e4%bf%9d%e9%99%ba\">\u81ea\u884c\u8f66\u4fdd\u9669 (<em>\u5730\u5929\u793e<\/em>, \u81ea\u8ee2\u8eca\u4fdd\u967a)<\/h3>\n\n\n\n<p>\u5728\u4e00\u4e9b\u90fd\u9053\u5e9c\u53bf\u662f\u5f3a\u5236\u6027\u7684\uff0c\u6db5\u76d6\u6d89\u53ca\u81ea\u884c\u8f66\u7684\u4e8b\u6545\uff0c\u5305\u62ec\u4f24\u5bb3\u4ed6\u4eba\u7684\u8d23\u4efb\u3002.<\/p>\n\n\n\n<p><em>(\u8d44\u6599\u6765\u6e90\uff1a\u65e5\u672c\u91d1\u878d\u5385\uff0c\u4e3b\u8981\u4fdd\u9669\u516c\u53f8\uff09<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"unique-insurance-types-in-japan\"><strong>\u65e5\u672c\u72ec\u7279\u7684\u4fdd\u9669\u7c7b\u578b<\/strong><\/h2>\n\n\n\n<p>\u65e5\u672c\u6709\u4e00\u4e9b\u5916\u56fd\u4eba\u53ef\u80fd\u4e0d\u719f\u6089\u7684\u72ec\u7279\u4fdd\u9669\u653f\u7b56\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"hole-in-one-insurance\">\u4e00\u6746\u8fdb\u6d1e\u4fdd\u9669<\/h3>\n\n\n\n<p>\u88ab\u79f0\u4e3a\u201c<strong>\u65e5\u672c\u4e00\u6746\u8fdb\u6d1e\u4fdd\u9669<\/strong>,\u4e00\u6746\u8fdb\u6d1e \u201d\u4fdd\u9669\u627f\u4fdd\u7684\u662f\u5728\u9ad8\u5c14\u592b\u6bd4\u8d5b\u4e2d\u6253\u51fa\u4e00\u6746\u8fdb\u6d1e\u540e\u7684\u4f20\u7edf\u5e86\u795d\u8d39\u7528\u3002\u5728\u65e5\u672c\uff0c\u9ad8\u5c14\u592b\u7403\u624b\u901a\u5e38\u4f1a\u4e3e\u529e\u6d3e\u5bf9\u6216\u8d60\u9001\u793c\u54c1\uff0c\u8be5\u4fdd\u9669\u53ef\u5e2e\u52a9\u62b5\u6d88\u8fd9\u4e9b\u8d39\u7528\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"earthquake-insurance\">\u5730\u9707\u4fdd\u9669<\/h3>\n\n\n\n<p>\u7531\u4e8e\u65e5\u672c\u7684\u5730\u9707\u6d3b\u52a8\u9891\u7e41\uff0c\u5f3a\u70c8\u63a8\u8350\u7ed9\u623f\u4e3b\u3002\u5b83\u6db5\u76d6\u4e86\u5730\u9707\u3001\u6d77\u5578\u548c\u706b\u5c71\u7206\u53d1\u9020\u6210\u7684\u635f\u5931\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cancer-and-critical-illness-insurance\">\u764c\u75c7\u548c\u91cd\u5927\u75be\u75c5\u4fdd\u9669<\/h3>\n\n\n\n<p>\u4e3a\u91cd\u5927\u75be\u75c5\u63d0\u4f9b\u4e00\u6b21\u6027\u6216\u6309\u6708\u4ed8\u6b3e\u7684\u8865\u5145\u8ba1\u5212\uff0c\u63d0\u4f9b\u6bd4\u5355\u72ec\u7684\u516c\u5171\u533b\u7597\u4fdd\u9669\u66f4\u5e7f\u6cdb\u7684\u652f\u6301\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"enrollment-process-in-japan\"><strong>\u65e5\u672c\u7684\u5165\u5b66\u7a0b\u5e8f<\/strong><\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;69e7ae34d7a3b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"69e7ae34d7a3b\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"630\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/joyn.tokyo\/wp-content\/uploads\/2025\/02\/6-8-1024x630.jpg\" alt=\"-\" class=\"wp-image-7324\"><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\taria-label=\"\u653e\u5927\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.imageButtonRight\"\n\t\t\tdata-wp-style--top=\"state.imageButtonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewbox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p>\u6295\u4fdd\u6d41\u7a0b\u53d6\u51b3\u4e8e\u4fdd\u9669\u7c7b\u578b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u533b\u7597\u548c\u793e\u4f1a\u4fdd\u9669<\/strong> \u5168\u804c\u96c7\u5458\u7531\u96c7\u4e3b\u81ea\u52a8\u6ce8\u518c\u3002\u81ea\u8425\u804c\u4e1a\u8005\u5fc5\u987b\u5230\u5f53\u5730\u5e02\u653f\u5e9c\u529e\u516c\u5ba4\u7533\u8bf7\u3002.<\/li>\n\n\n\n<li><strong>\u79c1\u4eba\u4fdd\u9669<\/strong> \u53ef\u901a\u8fc7\u4fdd\u9669\u673a\u6784\u3001\u94f6\u884c\u6216\u5728\u7ebf\u4f9b\u5e94\u5546\u83b7\u5f97\u3002.<\/li>\n\n\n\n<li><strong>\u6c7d\u8f66\u548c\u8d22\u4ea7\u4fdd\u9669<\/strong> \u53ef\u4ece\u4e13\u95e8\u7684\u4fdd\u9669\u516c\u53f8\u6216\u6c7d\u8f66\u7ecf\u9500\u5546\u5904\u8d2d\u4e70\u3002.<\/li>\n<\/ul>\n\n\n\n<p>\u5916\u56fd\u4eba\u5728\u79fb\u5c45\u65e5\u672c\u65f6\u5e94\u786e\u4fdd\u767b\u8bb0\u4e86\u6b63\u786e\u7684\u4fdd\u9669\u7c7b\u578b\uff0c\u5e76\u5728\u66f4\u6362\u5de5\u4f5c\u6216\u5c45\u4f4f\u5730\u65f6\u66f4\u65b0\u5176\u72b6\u6001\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"insurance-payment-and-refund-procedures\"><strong>\u4fdd\u9669\u4ed8\u6b3e\u548c\u9000\u6b3e\u7a0b\u5e8f<\/strong><\/h2>\n\n\n\n<p>\u4e86\u89e3\u65e5\u672c\u7684\u4fdd\u9669\u652f\u4ed8\u548c\u9000\u6b3e\u65b9\u5f0f\u5bf9\u4e8e\u6709\u6548\u7ba1\u7406\u8d22\u52a1\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"premium-payments\">\u4fdd\u8d39\u652f\u4ed8<\/h3>\n\n\n\n<p>\u793e\u4f1a\u4fdd\u9669\uff08\u533b\u7597\u4fdd\u9669\u3001\u517b\u8001\u4fdd\u9669\u548c\u5c31\u4e1a\u4fdd\u9669\uff09\u7684\u4fdd\u9669\u8d39\u901a\u5e38\u4ece\u96c7\u5458\u7684\u5de5\u8d44\u4e2d\u6263\u9664\u3002\u81ea\u8425\u804c\u4e1a\u8005\u5fc5\u987b\u76f4\u63a5\u5411\u5f53\u5730\u653f\u5e9c\u529e\u516c\u5ba4\u6216\u517b\u8001\u91d1\u673a\u6784\u7f34\u7eb3\u4fdd\u9669\u8d39\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"lump-sum-withdrawal-payment\">\u4e00\u6b21\u6027\u63d0\u53d6\u4ed8\u6b3e<\/h3>\n\n\n\n<p>\u6c38\u4e45\u79bb\u5f00\u65e5\u672c\u7684\u5916\u56fd\u4eba\u53ef\u80fd\u6709\u8d44\u683c\u83b7\u5f97 <strong>\u4e00\u6b21\u6027\u63d0\u53d6\u4ed8\u6b3e<\/strong> \u53ea\u8981\u7f34\u7eb3\u517b\u8001\u91d1\u7684\u65f6\u95f4\u4e0d\u5c11\u4e8e\u516d\u4e2a\u6708\uff0c\u5c31\u53ef\u4ee5\u4ece\u517b\u8001\u91d1\u5236\u5ea6\u4e2d\u9886\u53d6\u517b\u8001\u91d1\u3002\u6b64\u5916\uff0c\u4e00\u4e9b\u591a\u7f34\u7684\u4fdd\u9669\u8d39\uff0c\u5982\u56fd\u6c11\u5065\u5eb7\u4fdd\u9669\u8d39\uff0c\u5982\u679c\u5728\u79bb\u5883\u524d\u63d0\u51fa\u9002\u5f53\u7533\u8bf7\uff0c\u4e5f\u53ef\u4ee5\u9000\u8fd8\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"high-cost-medical-expense-reimbursement\">\u9ad8\u989d\u533b\u7597\u8d39\u7528\u62a5\u9500<\/h3>\n\n\n\n<p>\u65e5\u672c\u6709\u4e00\u79cd\u5bf9\u533b\u7597\u8d39\u7528\u7279\u522b\u9ad8\u7684\u4e2a\u4eba\u8fdb\u884c\u62a5\u9500\u7684\u5236\u5ea6\u3002\u5982\u679c\u4f4f\u9662\u8d39\u8d85\u8fc7\u4e00\u5b9a\u9650\u989d\uff0c\u7ecf\u7533\u8bf7\u53ef\u62a5\u9500\u90e8\u5206\u8d85\u989d\u8d39\u7528\u3002.<\/p>\n\n\n\n<p><em>(\u8d44\u6599\u6765\u6e90\u8d44\u6599\u6765\u6e90\uff1a\u65e5\u672c\u517b\u8001\u91d1\u7ba1\u7406\u5c40\u3001\u5730\u65b9\u653f\u5e9c\u529e\u516c\u5ba4\u3001\u5065\u5eb7\u4fdd\u9669\u63d0\u4f9b\u5546\uff09<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"stay-protected-and-plan-ahead\"><strong>\u4fdd\u6301\u4fdd\u62a4\uff0c\u672a\u96e8\u7ef8\u7f2a<\/strong><\/h2>\n\n\n\n<p>\u65e5\u672c\u7684\u4fdd\u9669\u5236\u5ea6\u65e8\u5728\u4e3a\u6240\u6709\u5c45\u6c11\u63d0\u4f9b\u7ecf\u6d4e\u4fdd\u969c\u548c\u533b\u7597\u652f\u6301\u3002\u65e0\u8bba\u662f\u901a\u8fc7\u516c\u5171\u533b\u7597\u4fdd\u9669\u3001\u793e\u4f1a\u4fdd\u969c\u8fd8\u662f\u79c1\u4eba\u4fdd\u9669\uff0c\u62e5\u6709\u8db3\u591f\u7684\u4fdd\u969c\u5bf9\u4e8e\u5728\u65e5\u672c\u8fc7\u4e0a\u7a33\u5b9a\u7684\u751f\u6d3b\u81f3\u5173\u91cd\u8981\u3002\u5916\u56fd\u4eba\u5e94\u82b1\u65f6\u95f4\u4e86\u89e3\u4ed6\u4eec\u7684\u9009\u62e9\uff0c\u5fc5\u8981\u65f6\u5bfb\u6c42\u53cc\u8bed\u63f4\u52a9\uff0c\u5e76\u786e\u4fdd\u4ed6\u4eec\u62e5\u6709\u9002\u5408\u81ea\u5df1\u9700\u8981\u7684\u4fdd\u9669\u3002.<\/p>\n\n\n        <h4 class=\"related-posts-heading\">\u66f4\u591a\u4fe1\u606f<\/h4>\n\n        <div class=\"custom-related-posts\">\n                            <div class=\"related-post-card\">\n                    <a href=\"https:\/\/joyn.tokyo\/zh\/admin\/daily\/best-taxi-apps-in-japan\">\n                        <div class=\"related-post-thumbnail\">\n                            <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/joyn.tokyo\/wp-content\/uploads\/2025\/02\/best-taxi-apps-in-japan-2-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\u65e5\u672c\u6700\u53d7\u6b22\u8fce\u7684\u51fa\u79df\u8f66\u5e94\u7528\u7a0b\u5e8f\" \/>                        <\/div>\n                        <div class=\"related-post-meta\">\n                            <div class=\"related-post-category\"><a href=\"https:\/\/joyn.tokyo\/zh\/admin\/daily\" rel=\"category tag\">\u6bcf\u65e5<\/a>, <a href=\"https:\/\/joyn.tokyo\/zh\/admin\" rel=\"category tag\">\u884c\u653f<\/a><\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/joyn.tokyo\/zh\/admin\/daily\/best-taxi-apps-in-japan\" style=\"text-decoration: none\">\n                            \t<h4 class=\"related-post-title\">\u65e5\u672c\u6700\u4f73\u51fa\u79df\u8f66\u5e94\u7528\u7a0b\u5e8f\uff1a\u5916\u56fd\u4eba\u7684\u6700\u4f73\u9009\u62e9<\/h4>\n\t\t\t\t\t\t\t<\/a>\n                        <\/div>\n                    <\/a>\n                <\/div>\n                            <div class=\"related-post-card\">\n                    <a href=\"https:\/\/joyn.tokyo\/zh\/admin\/daily\/best-translation-apps-for-japan\">\n                        <div class=\"related-post-thumbnail\">\n                            <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/joyn.tokyo\/wp-content\/uploads\/2025\/09\/best-translation-apps-in-japan-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\u65e5\u672c\u6700\u4f73\u7ffb\u8bd1\u5e94\u7528\u7a0b\u5e8f\" \/>                        <\/div>\n                        <div class=\"related-post-meta\">\n                            <div class=\"related-post-category\"><a href=\"https:\/\/joyn.tokyo\/zh\/admin\/daily\" rel=\"category tag\">\u6bcf\u65e5<\/a>, <a href=\"https:\/\/joyn.tokyo\/zh\/admin\" rel=\"category tag\">\u884c\u653f<\/a><\/div>\n\t\t\t\t\t\t\t<a href=\"https:\/\/joyn.tokyo\/zh\/admin\/daily\/best-translation-apps-for-japan\" style=\"text-decoration: none\">\n                            \t<h4 class=\"related-post-title\">\u65e5\u672c\u6700\u4f73\u7ffb\u8bd1\u5e94\u7528\u7a0b\u5e8f\uff1a\u65c5\u884c\u8005\u548c\u5916\u7c4d\u4eba\u58eb\u7684\u5fc5\u5907\u5de5\u5177<\/h4>\n\t\t\t\t\t\t\t<\/a>\n                        <\/div>\n                    <\/a>\n                <\/div>\n                    <\/div>\n    \n<div class=\"jt-article-bottom-2\" id=\"jt-4187186805\"><div class=\"jt-adlabel\">- \u8d5e\u52a9<\/div><a data-no-instant=\"1\" href=\"https:\/\/www.etsy.com\/shop\/iiiSekai?section_id=47165534\" rel=\"noopener sponsored\" class=\"a2t-link\" target=\"_blank\" aria-label=\"iiisekai_banner_3\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-scaled.jpg\" alt=\"\"  srcset=\"https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-scaled.jpg 2560w, https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-300x90.jpg 300w, https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-1024x306.jpg 1024w, https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-768x230.jpg 768w, https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-1536x460.jpg 1536w, https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-2048x613.jpg 2048w, https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-18x5.jpg 18w, https:\/\/s3.ap-northeast-1.wasabisys.com\/joyn\/2026\/04\/09144221\/vtuber_banner_pattern2-860x257.jpg 860w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" width=\"2560\" height=\"766\"   \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>\u4e86\u89e3\u65e5\u672c\u7684\u4fdd\u9669\u5236\u5ea6\u5bf9\u4e8e\u4efb\u4f55\u5728\u65e5\u672c\u751f\u6d3b\u6216\u8ba1\u5212\u79fb\u5c45\u65e5\u672c\u7684\u4eba\u6765\u8bf4\u90fd\u81f3\u5173\u91cd\u8981\u3002\u65e5\u672c\u6709\u4e00\u4e2a\u9ad8\u5ea6\u89c4\u8303\u7684\u4fdd\u9669\u4f53\u7cfb\uff0c\u5305\u62ec\u5f3a\u5236\u4fdd\u9669\u548c\u81ea\u613f\u4fdd\u9669\u3002\u672c\u6307\u5357\u5c06\u6982\u8ff0\u65e5\u672c\u73b0\u6709\u7684\u4e0d\u540c\u7c7b\u578b\u7684\u4fdd\u9669\u3001\u5b83\u4eec\u7684\u529f\u80fd\u4ee5\u53ca\u5916\u56fd\u4eba\u5982\u4f55\u6709\u6548\u5730\u5229\u7528\u8be5\u7cfb\u7edf\u3002.<\/p>","protected":false},"author":1,"featured_media":7228,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[187],"tags":[],"tmauthors":[],"post_folder":[],"class_list":{"0":"post-7222","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-admin"},"acf":[],"_links":{"self":[{"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/posts\/7222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/comments?post=7222"}],"version-history":[{"count":5,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/posts\/7222\/revisions"}],"predecessor-version":[{"id":16036,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/posts\/7222\/revisions\/16036"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/media\/7228"}],"wp:attachment":[{"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/media?parent=7222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/categories?post=7222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/tags?post=7222"},{"taxonomy":"tmauthors","embeddable":true,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/tmauthors?post=7222"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/joyn.tokyo\/zh\/wp-json\/wp\/v2\/post_folder?post=7222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}