您好~
首先我們先討論每年2萬元的保費,目前規劃了那些保障呢?
*富邦人壽安富久久失能照護終身壽險 (XLT)1萬:
失能保險金最高25萬,失能扶助金1萬/月(保障偏低),。
(外籍看護、管灌營養、衛生用品耗材、每個月花費至少4萬以上)
優點是1-6級失能扶助金不打折,但是最重要的重點是無保證給付,
有保證給付,萬一不幸身故還有後續失能扶助金可以繼續幫我們照顧家人。
*富邦人壽新住院醫療定期健康保險附約 (HSC5)
理賠金額原則上無太大問題,住院醫療約10萬,手術最高18萬,
還有重大器官移植或造血幹細胞移植。
但需注意其條款寫法:列舉式(萬一沒在手術項目內容亦有爭議)。
平準型費率(繳到75歲的保費加總平均),以幼兒來說時保費偏貴許多,
若後有更好產品想轉換,之前多繳的保費等同浪費掉了。
理賠申請:正本理賠,另外他沒有給付門診處置項目。
建議:同樣保費,可以畫得更好的實支實付保障內容。
*富邦人壽防癌終身健康保險附約 (PCC2)
雖然可續保到95歲,但初次罹癌保險金22.5萬,罹癌住院5,400/日,
放療1,500/日,化療2,400/次,支付都偏低,不足以轉嫁罹癌風險。
療成型防癌險保障著重於癌症身故及住院治療,
現在癌症治癒率越來越高,足夠的醫藥費才能有獲得更有效的醫療。
(癌症治療的自費標靶藥物、免疫療法,動輒數十萬至數百萬)
平準型費率保費偏貴,以新生兒女生來說,罹癌直接給付500萬,保費每年只須1,800元
建議:以一次給付性防癌險取代。
*富邦人壽享安心住院醫療定額健康保險附約(HKR1):
住院1,000/日,出院療養金500/日、住院手術1,200-15萬(依手數倍率表),
外科手術看護保險金 2400~5 萬。
無給付住院雜費,須接受手術才有理賠。
建議:同樣保費,實支實付可以得到非常好的保障。
*富邦人壽平安寶意外傷害保險附約(ADE):
意外失能50萬,重大燒燙傷20萬。
*富邦人壽日額型意外傷害住院醫療保險附約20單位(AHI)
意外住院 2,000/日,加護病房費另給付2,000/日,骨折醫療最高給付 6 萬,
門診手術保險金每次2,000 元,完全骨折1,000 元/日,不完全骨折500/日。
*富邦人壽平安寶意外傷害醫療保險一般型(OMR):
意外實支實付5萬。
建議:15歲前之幼兒可用產險意外險加強重大燒燙傷之保障。
傳統醫療險保障著重於住院風險,但是萬一出院了疾病還沒好,該怎麼辦?
style="box-sizing: border-box; color: #333333; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />保險的價值在於當我們發生風險時,我們的保障是否足夠負擔我們的醫療支出,
甚至萬一無法繼續有收入時,是否有足夠的理賠金及輔助金讓我們放心渡過未來的生活。
style="box-sizing: border-box; color: #333333; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" /> 因此應優先承保自己無法承擔的風險
以小朋友來說,同樣每年2萬元左右的保費,換個配置方式,
可以讓我們獲得更完整的保障,建議保障內容如下:
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />1.終身失能險:
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />失能為人生中最大的風險,後續所需面臨龐大的醫療照護費用非常可觀。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />失能險能有效轉嫁風險,支撐我們的家庭開銷,對於生活能有效帶來實質的幫助。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />當不幸發生失能時,最高可一次理賠116萬,先作為緊急醫療支出,
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />第二年起每個月再給付3.1萬失能輔助金,且其中1.6萬保證給付180個月以上,
style="box-sizing: border-box;" />也就是說若符合失能給付後若不幸身故,保險公司會把180個月未領完剩下的
style="box-sizing: border-box;" />失能輔助金給付給我們的家人,確保他們未來生活無虞。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />搭配定期失能險,每個月5萬失能扶助金,有效轉嫁失能風險。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />(外籍看護、管灌營養、衛生用品耗材、每個月花費至少4萬以上)
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />2.實支實付:
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />隨著醫療科技進步,健保未給付之自費項目會越來越多,可轉嫁健保無給付的自費項目。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />住院日額4,000/日,醫療費用最高給付21萬,手術理賠最高38萬
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />(有給付門診手術及其雜費)。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />雙實支實付,若單次自費項目沒超過理賠上限,2間保險公司都可理賠,
style="box-sizing: border-box;" />其中一間的保險金可以用來當成薪水損失補償,或購買營養品,出院後醫療耗材...等。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />3.重大傷病險:
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />請領重大傷病卡人數即將突破百萬,依健保局重大傷病給付
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />取得重大傷病卡一次給付100萬,保障疾病治療期間及未來生活。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />(包含癌症,中風,洗腎...400多項)
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />4.癌症險:
style="box-sizing: border-box;" />癌症一直位居國人十大死因之首,
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />癌症治療的自費標靶藥物、免疫療法,動輒數十萬至數百萬。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />罹癌一次理賠200萬 (包含重大傷病險,共可理賠300萬),
萬一不幸發生罹癌,也能讓我們安心治療。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />5.意外險:
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />包含200萬意外失能金,200萬重大燒燙傷給付,
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />意外住院一天理賠 2,000元,意外實支實付3萬元。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />以上保障,年繳保費約1.9萬,現階段足以規避小朋友人生最大的風險,
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />詳細保障內容可依您需求再行討論、調整。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />買對保險真的很重要,買對不買貴已經不是口號
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />本人目前服務於大型上櫃之保險經紀人股份有限公司,
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />能客觀分析各家保單的優缺點,讓您的保單在有限預算內發揮最大價值。
style="box-sizing: border-box; color: #ba372a; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />若想更近一步了解保障內容或有任何問題歡迎點我大頭貼旁的名字與我聯絡,
謝謝您
style="box-sizing: border-box; color: #333333; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />
style="box-sizing: border-box; color: #333333; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />
style="box-sizing: border-box; color: #333333; font-family: Noto Sans TC,sans-serif; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;" />