(加速轉變) WUXI PHARMATECH (藥明康得) 捨大眾資本市場 邁私募化

 WuXi PharmaTech Shareholders OK $3.3B Go-Private Deal By Matthew Perlman Law360, New York (November 25, 2015, 6:26 PM ET) -- China-based research and development service provider WuXi PharmaTech on Wednesday said that its shareholders have approved a $3.3 billion deal with a consortium of private equity investors and the company's  founders that will take the company private. WuXi PharmaTech (Cayman) Inc. shareholders representing about 75 percent of the company's outstanding ordinary shares voted at its extraordinary general meeting and 97.5 percent of them voted in favor of the deal, according to a statement from the company announcing the vote's results. WuXi expects to complete the transaction next month. Under the terms, which were first agreed to in August, WuXi shareholders will receive $5.75 per ordinary share of the company, or $46 per American depositary share, in cash. That represents a 16.5 percent premium over the stock's closing price on April 29, a day before the offer was first announced. American depositary shares were trading at $45.60 on the New York Stock Exchange on Wednesday morning. The consortium looking to buy out WuXi includes existing investor Hillhouse Capital and the company's founders and executives officers, who together with Hillhouse currently hold 4.5 percent of the outstanding shares. New investors participating in the consortium include Ally Bridge Group Capital Partners, Boyo Capital, Temasek Life Sciences Private Ltd. and Ping An Insurance. The group plans to finance the transaction using cash and $1.1 billion in debt financing, according to a statement announcing the deal. WuXi provides research and development services and technology for the pharmaceutical, biotech and medical device industries, with operations in the U.S. and China. The company reported $492 million in revenue last year with a net income of $112.2 million, according to its annual filing with the U.S. Securities and Exchange Commission. WuXi is far from the first Chinese company to be targeted by an offer that would delist it from the U.S. markets this year. Internet security company Qihoo 360 Technology Co. Ltd. received a $9 billion offer from a group of investors including Qihoo CEO and chairman Hongyi Zhou in June. The investors are offering to pay $51.33 in cash per class A or B ordinary share or $77 in cash per American depositary share. The company retained Skadden Arps Slate Meagher & Flom LLP as legal counsel to consider the deal. Chinese social media platform YY Inc. received a $3.69 billion go-private offer from its board chairman and CEO in July. The deal, which the company continues to contemplate, would pay $68.50 cash per American depositary share. But volatility on Chinese stock markets in recent months may have helped quell the push for go-private offers for companies considering re-listing publicly at home. By late July of this year, 23 Chinese companies had announced plans to walk away from U.S. exchanges, including WuXi. Since then, just three have followed suit, according to data tracked by Dealogic. The year still stands in stark contrast to 2014, which saw just one company mark its final close on a U.S. exchange. Between 2009 and 2013, a total of 39 delistings were carried out by Chinese companies, according to Dealogic.

Do Hedge Funds Love WuXi PharmaTech (Cayman) Inc. (ADR) (WX)? Published on November 24, 2015 at 6:50 pm by ADNAN MANAZIR in Hedge Funds, News  Out of thousands of stocks that are currently traded on the market, it is difficult to determine those that can really generate strong returns. Hedge funds and institutional investors spend millions of dollars on analysts with MBAs and PhDs, who are industry experts and well connected to other industry and media insiders on top of that. Individual investors can piggyback the hedge funds employing these talents and can benefit from their vast resources and knowledge in that way. We analyze quarterly 13F filings of over 700 hedge funds and, by looking at the smart money sentiment that surrounds a stock, we can determine whether it has potential to beat the market over the long-term. Therefore, let's take a closer look at what smart money thinks about WuXi PharmaTech (Cayman) Inc. (ADR) (NYSE:WX). WuXi PharmaTech (Cayman) Inc. (ADR) (NYSE:WX) was in 22 hedge funds' portfolios at the end of the third quarter of 2015. WX has experienced an increase in hedge fund interest in recent months. There were 21 hedge funds in our database with WX holdings at the end of the previous quarter. The level and the change in hedge fund popularity aren't the only variables you need to analyze to decipher hedge funds' perspectives. A stock may witness a boost in popularity but it may still be less popular than similarly priced stocks. That's why at the end of this article we will examine companies such as MPLX LP (NYSE:MPLX), American Eagle Outfitters (NYSE:AEO), and Industrias Bachoco, S.A.B. de C.V. (ADR) (NYSE:IBA) to gather more data points. Keeping this in mind, let's take a peek at the fresh action encompassing WuXi PharmaTech (Cayman) Inc. (ADR) (NYSE:WX).

What have hedge funds been doing with WuXi PharmaTech (Cayman) Inc. (ADR) (NYSE:WX)? At the end of the third quarter, a total of 22 of the hedge funds tracked by Insider Monkey were long this stock, a change of 5% from the previous quarter. With hedge funds' positions undergoing their usual ebb and flow, there exists a select group of key hedge fund managers who were upping their holdings considerably (or already accumulated large positions). When looking at the institutional investors followed by Insider Monkey, Frank Brosens's Taconic Capital has the biggest position in WuXi PharmaTech (Cayman) Inc. (ADR) (NYSE:WX), worth close to $92.9 million, comprising 3.4% of its total 13F portfolio. Coming in second is OZ Management, led by Daniel S. Och, holding a $74 million position; 0.3% of its 13F portfolio is allocated to the stock. Remaining peers with similar optimism contain Robert Emil Zoellner's Alpine Associates, Thomas Steyer's Farallon Capital and Lei Zhang's Hillhouse Capital Management. As one would reasonably expect, specific money managers were leading the bulls' herd. Alpine Associates, managed by Robert Emil Zoellner, initiated the most valuable position in WuXi PharmaTech (Cayman) Inc. (ADR) (NYSE:WX). Alpine Associates had $56.6 million invested in the company at the end of the quarter. Thomas Steyer's Farallon Capital also initiated a $55.9 million position during the quarter. The following funds were also among the new WX investors: Noam Gottesman's GLG Partners, Michael Novogratz's Fortress Investment Group, and Millennium Management Subsidiary's Green Arrow Capital Management. Let's check out hedge fund activity in other stocks similar to WuXi PharmaTech (Cayman) Inc. (ADR) (NYSE:WX). These stocks are MPLX LP (NYSE:MPLX), American Eagle Outfitters (NYSE:AEO), Industrias Bachoco, S.A.B. de C.V. (ADR) (NYSE:IBA), and TC Pipelines, LP (NYSE:TCP). This group of stocks' market caps are similar to WX's market cap. As you can see these stocks had an average of 15.5 hedge funds with bullish positions and the average amount invested in these stocks was $150 million. That figure was $441 million in WX's case. American Eagle Outfitters (NYSE:AEO) is the most popular stock in this table. On the other hand TC Pipelines, LP (NYSE:TCP) is the least popular one with only 4 bullish hedge fund positions. WuXi PharmaTech (Cayman) Inc. (ADR) (NYSE:WX) is not the most popular stock in this group but hedge fund interest is still above average. This is a slightly positive signal, which when taken in combination with the number of funds long the stock increasing by 1, makes WX worthy of a closer look.

WuXi PharmaTech Announces Shareholders' Approval of Merger Agreement SHANGHAI, Nov. 25, 2015 /PRNewswire/ -- WuXi PharmaTech (Cayman) Inc. ("WuXi" or the "Company") (NYSE: WX), a leading open-access R&D capability and technology platform company serving the pharmaceutical, biotechnology, and medical device industries with operations in China and the United States, today announced that at an extraordinary general meeting of shareholders held today, the Company's shareholders voted in favor of the proposal to authorize and approve the previously announced agreement and plan of merger (the "Merger Agreement") dated as of August 14, 2015 and amended on October 20, 2015 and November 20, 2015, with New WuXi Life Science Limited ("Parent") and WuXi Merger Limited, a wholly owned subsidiary of Parent ("Merger Sub"), pursuant to which Merger Sub will be merged with and into the Company with the Company surviving as a wholly owned subsidiary of Parent (the "Merger"), and to authorize and approve any and all transactions contemplated by the Merger Agreement, including the Merger. A total of 426,965,520 ordinary shares (including ordinary shares represented by the Company's American depositary shares, or "ADSs", each of which represents eight ordinary shares) were voted in person or by proxy at today's extraordinary general meeting, representing approximately 75.17% of the Company's total outstanding ordinary shares entitled to vote at the extraordinary general meeting. Of those ordinary shares, approximately 97.49% were voted in favor of the proposal to authorize and approve the Merger Agreement and any and all transactions contemplated by the Merger Agreement, including the Merger. The proposal to adopt the Merger Agreement was also approved by 97.33% of ordinary shares present and voting in person or by proxy at the extraordinary general meeting and held by holders that are unaffiliated with the buyer group, satisfying the "majority of the minority" voting requirement set forth in the Merger Agreement. The parties currently expect to complete the Merger next month, subject to the satisfaction or waiver of the conditions set forth in the Merger Agreement. If and when completed, the Merger would result in the Company becoming a privately held company, and its ADSs would no longer be listed on the New York Stock Exchange. In addition, the ADSs and the Company's ordinary shares represented by the ADSs will cease to be registered under Section 12 of the Securities Exchange Act of 1934.

About WuXi PharmaTech WuXi PharmaTech (NYSE: WX) is a leading open-access R&D capability and technology platform company serving the pharmaceutical, biotechnology, and medical device industries, with operations in China and the United States. As a research-driven and customer-focused company, WuXi PharmaTech provides pharmaceutical, biotechnology, and medical device companies with a broad and integrated portfolio of laboratory and manufacturing services throughout the drug and medical device R&D process. WuXi PharmaTech's services are designed to help its global partners in shortening the cycle and lowering the cost of drug and medical device R&D. WuXi is also building a platform to provide clinical diagnostic services directly to physicians and their patients globally. The operating subsidiaries of WuXi PharmaTech are known as WuXi AppTec. 

台北市政府 布局 mHealth

 創新設計「mHealth」提升獨居長者、慢性病個案管理 記者趙于婷／台北報導面對高齡社會來臨，台北市政府衛生局應用行動健康照護的概念（Mobile Health；mHealth），開發全國第1個「行動公共衛生資訊管系統」，作為北市獨居長者及慢性病創新個案管理服務。衛生局呂秀蓉處長表示，公共衛生護士可透過mHealth及時查詢訪視個案健康數據資料，可給個案了解過去期間健康生理數據的變化情形。目前衛生局列管獨居長者人數約2,370人，慢性病列管人數約3,288人，本市12區健康服務中心約有198位公共衛生護士，每位公共衛生護士每月列管獨居及慢性病個案平均約30人。mHealth平板將應用於公共衛生護士個案訪視時，及時登打個案資料，並回饋給個案過去期間健康生理數據的變化情形。mHealth透過雲端創新智慧設計，有別於傳統以紙筆紀錄及紙本衛教方式。今年首先開發獨居長者、糖尿病、高血壓、高血脂個案管理系統，105年將陸續開發「心臟病個案管理系統」、「腦血管個案管理系統」、「其他慢性病個案管理系統」、「百歲人瑞個案管理系統」、「植物人個案管理系統」、「失能個案管理系統」、「癌症個案管理系統」及「失智個案管理系統」等8個系統。

中醫患癌成因: 氣滯 血瘀 積結/ 養陰生津 改善術後或放化療副作用!!

防癌湯水與花茶 2015-11-02 好高興再次應英國保誠保險有限公司邀請作演講嘉賓，是次演講話題較為嚴肅，亦貼近都市熱話，就是「癌症」的防治及養生食療。 由於話題較嚴肅，所以特別設計了輕鬆的演說手法，希望觀眾們在輕鬆愉快的氣氛中學習到如何防癌、抗癌與有關養生保健食療。果然，不負眾望，整個演說過程，與大家在互動下反應熱烈，實在感激各方好友一路以來的支持。唯獨美中不足的是時間較緊迫，整個過程由演說到實驗只25分鐘，試問癌症又怎能在25分鐘內解釋得清楚明白呢？所以，我決定借專欄跟大家作更透徹的分享。世界衛生組織旗下的國際癌症研究機構（IARC）將熱狗、火腿等加工肉列為一類致癌物，同為此類的還包括煙草、石棉和柴油發動機尾氣。該機構表示，有「足夠證據」證明這些與癌症有關。自從10月26日世衛公佈這項研究，引起廣大群眾的關注和憂慮。事實上，約有30%以上的癌症死亡都與飲食因素有關；不過，某些食物中含有致癌和促癌毒素，但也有食物具有抗癌和預防癌症的作用。 醫學研究發現，在10多種化學物質有致癌作用，其中三大致癌物質與飲食有密切關係：1.亞硝胺類化合物 普遍存在於穀物、牛奶、芝士、煙酒、熏肉、烤肉、海魚、咸魚、腌菜、罐裝食品、隔夜熟菜以及反覆燒開的水。2.苯比芘 主要產生於煤、石油、天然氣等物質的燃燒過程中，脂肪、膽固醇等在高溫下也可形成，如油炸食物：油煎餅、臭豆腐、炸芋角及油條等。 3.黃麴黴素 發酵食品如豆腐乳、豆瓣醬等在製作過程中如方法不當，容易產生黃麴黴素。另外，米、麥、豆、玉米、花生等食品易受潮黴變，被黴菌污染後會產生致癌毒素。癌症是當今嚴重危害人類生命的常見病。治療癌症可以經手術切除、化療、放射線治療、免疫治療、標靶治療或單株抗體等療法。但治療帶來的副作用如頭暈、嘔吐、脫髮及口腔潰爛等、均為不少癌症病人帶來極大困擾，如果發生惡性轉移，要徹底治癒癌症就更加困難。

中醫患癌成因：內因有三種：1.氣滯血瘀： 中醫認為氣是人體一切生命活動的動力，人體各種機能活動，均依賴於氣血的運行而維持。如果因為某些原因引起氣的運行失調，可出現氣鬱、氣滯、氣聚，日久成疾。氣滯引起血瘀，瘀久則生熱，熱則耗傷津液，形成痰，造成痰瘀互結。血虛則氣少，一但氣塞不通、血瘀不流，加之氣滯日久必有血瘀，氣滯血瘀積結成塊，就是我們指的腫瘤。2.情志因素： 中醫認為肝主疏泄，如果情緒太亢進、輕奮、緊張，容易形成肝火；如果情志不遂，例如思慮、擔憂太多，容易形成肝鬱，鬱久化火，火灼津枯，導致血瘀和痰凝堵塞經絡，繼而引起月經不調、高血壓、憂鬱症、乳腺腺瘤，甚至惡性腫瘤疾病的發生。現代醫學認為精神抑鬱等消極情緒作用於中樞神經系統，引起植物神經功能和內分泌功能的失調，使機體的免疫功能受到了抑制。由於機體間的平穩被打破，使細胞失去正常的狀態和功能，不斷變異，產生了癌細胞。3.不良生活習慣： 經常熬夜、偏食、暴飲暴食、嗜食油膩、甜食、生冷之品、煙熏及明火（炭火）直接烤的動物性食品，使脾胃失調，體內營養代謝無法完全正常運作，濕熱毒素堆積於體內造成癌症。研究顯示，高脂肪、動物性的食物與結腸癌、乳癌與子宮內膜癌有關係。外因：環境因素： 我們吃的、呼吸的、觸摸到的、吸收的，甚至感覺不到的，都影響我們身體機能的運作，舉例說：食物、化學物質、吸煙或二、三手煙、空氣污染、病毒、輻射或電子屏幕、藥物，人造的或天然的食物或衣料，都有機會有致癌的成分。另外從事某些接觸化學致癌物和電離輻射等職業人士，尤其是長期接觸煤焦油、芳香胺類、氯乙烯、砷、鉻、鎳、石棉和X射線的工作者也是患癌高危一族。中醫治療癌症分為「扶正」與「祛邪」兩方面。「扶正」即通過調節自身免疫功能，來達到抗癌目的；「祛邪」則直接對付病灶，抑制腫瘤生長。中醫扶正補虛法調節人體的陰陽、氣、血、臟腑和經絡的生理功能，提高免疫抗病力，增強體質，延緩病情，抑制癌症發展。根據氣血陰陽不同類型虛証：益氣健脾： 由於惡性腫瘤持續浸潤生長，破壞正常組織和器官，導致癌症患者出現一系列營養障礙和代謝紊亂，使機體抵抗力下降。以益氣健脾為主的中藥治療，能改善營養不良的狀態，舒緩乏力、消瘦、食慾不振等症狀，使患者精神好轉，體重增加。 養陰生津： 癌症患者素來陰虛，或治療後脾胃受損而水谷精微生化不足，或腫瘤過度消耗均可出現陰津虧損之証。以養陰生津為主的中藥可明顯改善手術後或放化療引起的毒副反應。滋陰養血： 本法常與養陰生津法聯合用於手術後或放化療引起的毒副反應，亦多用於癌症晚期患者。溫腎壯陽： 能促進骨髓幹細胞增殖，刺激內分泌系統，改善身體物質代謝。活血去瘀： 具有疏通經絡、促進血流、改善血液循環、降低血濃度、抑制結締組織增生，並有一定抑癌細胞及鎮痛作用。以毒功毒： 中醫認為癌症的形成，病情不論是氣滯血瘀，或痰凝濕聚，或熱毒內蘊，或正氣虧虛，最終會導致邪毒淤積，中醫形容為癌毒內結，頑固難治。因此臨床上常用一些猛峻有毒之物，以毒功毒。實驗證明這些藥物大多對癌細胞有直接殺傷力，某些中草藥應用於臨床上各種癌症的治療，效果令人滿意。中醫藥可參與各個階段癌症患者的治療，有時單獨治療、有時輔助西醫 手術、放療、化療以減毒增效。

中醫藥輔助手術、放射治療、化學治療與手術配合：手術有創傷、出血，容易耗傷氣血，損傷臟腑經絡的作用。手術後用中醫藥調理，可減少或消除術後各種不適，加速康復。如肺癌術後，患者存在咳嗽、胸痛、氣喘、乏力等，屬於肺脾兩虛，中醫補益肺脾，寬胸理氣化瘀止痛，可以較好緩解上述不適，促進身體盡快恢復。如胃腸腫瘤術後，出現腹脹、食慾差、腹痛、便秘或腹瀉，可以健脾和胃，理氣化濕之藥舒緩。經過手術後2-4周的中藥調理，患者脾 胃消化功能得到恢復，體力增強，手術引起的種種不適已得到大部份的緩解。為術後的進一步化療或放射治療創造條件。手術後，如不需作放療或化療，應繼續中醫藥的調治以減 少復發轉移的機會，可在三調（調心、調體、調胃）以提升免疫功能，增強抗病能力的基礎上，根據體質或解毒、或攻毒、或排毒以加強相應的抗癌攻癌治療。

與放射治療配合：放射治療（俗稱電療）引起的毒副反應程度，與照射部位、照射面積、每次照射劑量以及總劑量有關。中醫認為放射線是一種「火熱毒邪」，會耗氣傷陰，損傷脾胃肝腎等。不同體質類型與不同放射治療部位，引起的放射反應不同，中醫治法方藥亦有別。與化療配合：癌症治療中，由於多數化療藥物缺乏選擇性，化學藥物在抑制或殺傷癌細胞的同時，也給正常人體組織器官帶來損害，導致造血系統、消化系統、神經系統等毒副作用。通過中醫辨證論治，可以提高機體的免疫功能，防治化療毒副作用。

以單純中醫藥治療：老年人或體力狀態差的患者，除癌症以外，身體存在多種慢性消耗性疾病，存在多臟器功能的減退甚至衰竭，已經不能耐受手術或放化療，這類患者應該以中醫治療為主，中醫治療策略：這類患者的治療既不同於體質狀況好或年輕腫瘤患者的治療，也不同於一般內科慢性消耗性疾病的治療。需要辯證論治，扶正培元以「治人治本」同時辨證論治，軟堅解毒以「治癌治病」。當然，若果腸仔、火腿不能少食又想有一招半式傍身，可用以下方法：防癌湯水與花茶—寒底人士黨參茯神湯（1人份量）材料： 黨參1兩、茯神5錢、合桃肉1兩、圓肉1兩、瘦肉半斤或栗子8枚、海鹽適量做法： 1.所有材料洗淨，若用瘦肉可汆水備用，栗子則去殼浸熱水10分鐘，以助袪衣。2.將所有材料同放入煲，加入適量清水，大火煮沸後轉慢火煲2小時。3.加入適量海鹽調味即可。功效： 健脾益肺、抗癌降壓、提高體內氧含量、安神。桂花茶（1人份量）材料： 桂花2g、紅糖適量做法： 將桂花用暖水洗淨後，用約80度熱水並加入紅糖焗 10 分鐘。功效： 桂花性溫、味辛，入肺、大腸經，有溫中散寒、暖胃止痛、化痰散瘀的作用。有效消除身體過多一氧化氮而防癌。注意： 凡熱氣、熬夜、胃火重、生痱滋、喉嚨痛與風熱型感冒切勿飲用。防癌湯水及花茶—熱底人士白花蛇舌草生地湯（1人份量）材料： 白花蛇舌草4錢、生地6錢、赤小豆1兩、蜜棗3枚、瘦肉半斤或栗子8枚、海鹽適量做法： 1.所有材料洗淨，若用瘦肉可汆水備用，栗子則去殼浸熱水10分鐘，以助袪衣。2.將所有材料同放入煲，加入適量清水，大火煮沸後轉慢火煲2小時。3.加入適量海鹽調味即可。功效： 清熱解毒、消痛散結、利尿除濕、防癌抗癌。洛神蜜（1人份量）材料： 洛神花4枚、蜂蜜適量做法： 洛神花用水洗淨，加水煮沸，水沸後3分鐘關火，倒入杯中；待和暖（40℃以下）後加入適量蜂蜜調味即可。功效： 洛神花具有抗氧化、抗腫瘤、保護心血管與肝臟及降血壓作用，尤以血癌和胃癌的抑制更為顯著。注意： 建議不宜空腹喝茶。胃酸過多、體虛氣弱者、生理期或妊娠期的女性不應使用。蜂蜜呈酸性，不要使用金屬容器；亦不可以用開水沖或高溫煮蜂蜜。

益得生(健喬) 授權 華潤賽科 中國銷售權 (定量噴霧Budesonide)

益得生攜手華潤 搶大陸呼吸道藥市場 2015-12-02 16:18 中央社 台北2日電 益得生今天與中國大陸醫藥行業第二大央企華潤醫藥子公司簽訂定量噴霧劑(MDI)策略聯盟合約，是MDI首宗中國大陸授權案。益得生將帝舒滿Duasma(成分Budesonide)獨家授權華潤賽科藥業在中國大陸的銷售權，益得生董事長林智輝表示，健喬集團10多年來默默耕耘，持續打造利基型MDI平台，此次益得生技和華潤集團子公司合作，代表了益得生技MDI的技術平台成功進入中國大陸市場。大陸因空氣品質惡化造成呼吸道病患逐年激增，呼吸道相關用藥需求量更顯急迫，華潤賽科總經理吳文多表示，最近會把呼吸道相關用藥列為重點，與益得生的合作只是個開端，未來期望能在這領域獲得領導地位。用於氣喘日常控制的帝舒滿(Duasma)及用於氣喘緊急治療的欣泛(Synvent)均已在台上市，且已送件中國藥證註冊中，因應2015年第140號公告及國務院關於改革藥品醫療器械審評審批制度的意見實施的藥品集中審評制度，可望加速取證，進而推使洽談中的多家集團積極爭取。益得生表示，華潤賽科藥業勝出主因，集團於專業養成程度較高於水平，主攻於醫院通路，於18個省市、30個城市設有銷售辦事處，覆蓋全國銷售和流通網路的優勢。首案簽訂內容，讓益得生除授權金收入外，後續出口外銷挹注營收才是重點。據合約內容，益得生技將提供本藥品在大陸的獨家進口分裝及市場經銷權，雙方以本案合作為開始，未來將展開包括MDI其他品項、母公司健喬計劃登計註冊案品種，進行雙邊項目對接策略聯盟洽談。此次簽訂的帝舒滿己取得台灣、香港及澳門的藥證並上市銷售，此藥品主要用於氣喘日常控制，可有效治療支氣管發炎，防止病情惡化。初估中國大陸市場規模約達43億人民幣，在空氣污染日益嚴重下，氣喘用藥市場可望逐年成長。

健保DRGs 加碼新手術醫療保險 (宏泰人壽) !!

健保新制變化多 重點防護要升級 2015-12-03 09:29:06 經濟日報 賴俊明明年起健保署全面推行DRGs（診斷關聯群）支付制度，意即「包裹式」的健保給付概念，同一疾病，不論患者的治療方式、藥物及住院日數，健保均支付醫院相同費用。99年DRGs推動後，醫療模式逐漸改變，如自費診療項目漸增、住院日數減少，及門診手術治療增加。面對改變，宏泰人壽推出「宏泰人壽全方位手術醫療終身保險（SUR）」，保戶可重新檢視醫療保障需求，因應趨勢提升重點防護。宏泰人壽表示，衛服部統計102年國人門診手術人數達1,022萬人次、住院手術人數為456萬人次，且手術醫療風險，存在於人生各個階段。宏泰人壽全方位手術醫療終身保險保障最高年齡至111歲，以主約型式設計，強化手術醫療保障規劃。給付項目包括手術醫療保險金、住院特定手術療養保險金、重大手術慰問保險金及特定處置項目保險金。此外，保障的手術項目及特定處置項目多達1,478項，累計給付限額亦高達手術醫療保險金額的1,300倍。宏泰人壽全方位手術醫療終身保險不分門診手術或住院手術，均按「手術醫療保險金額」乘以該手術項目的給付倍數給付「手術醫療保險金」，若住院手術給付倍數達10倍（含）以上及給付倍數達60倍（含）以上的手術，加碼給付「住院特定手術療養保險金」（按「手術醫療保險金額」的5倍給付）及「重大手術慰問保險金」（按「手術醫療保險金額」的50%給付）。被保險人於契約有效期間，連續二年起無理賠紀錄，另提供理賠加值保障，理賠加值保險金增額比率可由10%最高至50%。醫療環境改變，「宏泰人壽全方位手術醫療終身保險」大幅升級手術保障的廣度與深度，完整醫療保障，是防護醫療首選。