[Buying Insurance] What Slashers Need to Know (1) (Chinese Article)
不少人不願意被朝九晚六的長工束縳自己，改為選擇做Slash（斜槓族），以接 Freelance或Project維生，工作靈活度較高，例如媒體、設計等行業中，就有不少「專業Slash」。
然而，Slash之路並不平坦，與全職工作相比，僱員福利可能接近零，連最基本的醫療保障也欠奉，就算周身刀張張利，收入來源多，但一遇上病痛就容易被KO。那麼，醫療保障缺口應該如何堵塞？
醫療保險最基本
正常一份全職工作，通常會有勞工保險，保障僱員因工及在僱用期間遭遇意外而致受傷，或患上《僱員補償條例》所指定的職業病。至於公司亦可能提供公司醫保（團體醫保），一般涵蓋門診及住院保障。
不過，以接Freelance為主的Slash，並不受勞工保險及公司醫保保障。公立醫院雖然可以作最後安全網，但其實公營醫療系統早以超負荷，專科門診輪候以年計。
事實上，一般擁有公司醫保的人尚且面對醫療保障不足缺口，何況是Slash？所以，Slash宜未雨綢繆，考慮投保醫療保險。以政府推出的自願醫保計劃（VHIS）為例，不少價位尚算貼地，即使是保費低於5000元的產品，市面上亦不不少選擇。
保險解碼器貨比三家
同樣值得注意的是，自願醫保產品保費與保障未必成正比，因此投保可以運用《保險解碼器》比較產品優劣，找出保障度最高的醫保。
下一篇文章，我們將會談一談一些常見問題：究竟Slash是否需要供MPF（強積金）？收入不穩的Slash，如何行進行長期儲蓄，為退休保障尋找多一條出路？
延伸閱讀
1.〈【自願醫保計劃VHIS懶人包 2021】扣稅攻略、標準計劃 vs 靈活計劃、保障邊間好？〉
2.〈【窮人恩物】比較一年保費少於5,000元的自願醫保計劃〉
註：以上資訊由10Life提供，更新至2021年11月22日，僅供參考，並不是銷售提議。
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