小小妹 您好:
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: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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, style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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;" />
對於生活能有效帶來實質的幫助 style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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;" />
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關於失能險有幾個比較重要的方向~ style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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.當發生失能而無法繼續收入時,首先會有失能保險金,先作為緊急醫療支出 style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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;" />
需要注意同樣的保額,首次的失能保險金可領多少。 style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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.另外每個月會給付失能扶助金,要注意的重點是有沒有保證給付差很多。 style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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;" />
假設失能後每個月可領3萬元失能扶助金,且有保障給付180個月,也就是
至少可領540萬。 style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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.外籍看護、管灌營養、衛生用品耗材、每個月花費至少4萬-5萬 style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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;" />
因此建議失能扶助金額度至少每個月可領5萬,才能有效轉嫁失能風險。
style="box-sizing: border-box;" /> (可用終身加上定期,在年輕有經濟負擔時將保障拉高) style="box-sizing: border-box; color: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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: #555555; font-family: Noto Sans,Noto Sans CJK,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,微軟正黑體,Microsoft JhengHei,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;" />
若以150萬保額為例,珍安心180與新樂活一生的差異為下:
*失能保險金
珍安心180與新樂活一生保障都一樣,
失能最高給付150萬,1~11級失能保險金分別為150萬~7.5萬。
*失能扶助金
珍安心180:
1~6級失能給每月給付固定3萬,第7個月起才啟動保證給付,保證180個月。
1-6級失能另有失能補償金15萬。
新樂活一生:
1~6級失能給每年給付分別為37.5萬~18.75萬(3.125萬~1.56萬/月),保證給付18年。
style="box-sizing: border-box;" />1-6級失能另有失能補償金18萬。
以上兩者其實各有其優點,雖然台灣人壽要生存超過6個月保證給付才會啟動,但以長期
來看1-6級失能扶助金不打折較有優勢,而且以您得年紀台壽保費也較宏泰便宜許多。
最後仍要建議您,如同我上面所提,外籍看護、管灌營養、衛生用品耗材、每個月花費至少4萬-5萬,因此還是要先考慮將保額作足夠保額再考慮是否還本的問題。
買對保險真的很重要,買對不買貴已經不是口號
本人目前服務於上櫃大型保經公司
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。
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。
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