25歲女 第一份保單 富邦/三商 請益 - 保險

By Candice
at 2014-05-04T23:56
at 2014-05-04T23:56
Table of Contents
之前在板上po過與保德信的比較,但在比較過後發現保德信主約壽險會吃掉大部分的預算,有三商的業務幫我做規劃,但在兩者間還是不知道該怎麼選擇比較好,希望版上大大可以給我一些意見,謝謝。
※ 引述《revetahw (whatever)》之銘言:
請詳述以下資訊:
一、性別:女
二、年齡:26
三、職業/工作內容:食品檢驗
四、保障需求:第一份保險想在醫療意外上,當發生時不至於造成家人負擔
五、保費預算:兩萬以下
六、健康告知:三年前健檢肝指數過高,已複檢正常
七、常用交通工具:機車
八、預計規劃:
1.醫療、意外
2.重大疾病
九、預增保險:目前沒有保險,正在比較富邦與保德信
第一個
保險公司:富邦
商品名稱 [英文代號] 保額/計畫 期間 保費
_____________________________________________________________________________
富利旺終身壽險 XWO 20W 20年 5080
一年定期心安殘廢保險附約 211R 20W 1年 106
安心寶意外身故及殘廢保險金 MADD 30W 1年 405
安心寶意外傷害醫療保險金 NMR 3W 1年 536
日額型意外傷害住院醫療保險附約 AHI 5unit 1年 290
新綜合住院醫療保險附約 NHR 20unit 1年 4236
保險費豁免附約條款 WP 20年 158
TOTAL 10703
NOTE.打算MADD提高至50W,AHI提高至20單位,以及加HJR,和把豁免換成WPA
第二個
保險公司:三商
商品名稱 [英文代號] 保額/計畫 期間 保費
_____________________________________________________________________________
二十年祥安心終身壽險 20XWL 15W 20年 3480
二十年即祥順定期壽險附約 20STR 85W 20年 765
意外身故殘廢保險金 ADDR 100W 1年 1160
每次實支實付傷害醫療保險限額 AMRR 5W 1年 920
傷害醫療保險金日額 DHIR 1K 1年 620
骨折及脫臼手術傷害保險金附加條款 AFRR 5W 1年 390
享健康住院醫療健康保險附約 SHSR 計畫D 1年 4477
常春住院醫療保險附約住院及加護保險金 HIR 1K 1年 1750
常春住院醫療保險附約手術保險金 SIR 1K 1年 620
常春住院醫療保險附約出院療養金 HCR 1K 1年 930
二十年繳費新重大疾病終身健康保險附約 20NDDBR 50W 20年 6850
二十年安心豁免保險費附約 20CWPR 232
TOTAL 22194
---
自己比較了一下,發現
1.在住院實支實付的部分,三商好像會優於富邦
但在住院日額的部分,富邦CP值好像又高於三商?
2.在重大疾病的部分,和家人一直不知道該用終身還是定期的(法巴)比較好,因為算了一下
終身-->20年繳14W可得終身50W保障
定期-->若是繳到60歲因為保額越來越高的關係,最後好像也是繳28W得到60歲前100W
3.三商的傷害險並沒有保證續保,這點是一個很要緊的事嗎?
大家會選擇甚麼呢?
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