37歲男 首次投保疑問 - 保險
By Jacky
at 2023-01-24T14:34
at 2023-01-24T14:34
Table of Contents
大家好~
最近因為家人罹癌,才覺得需要買個保險,
來避免日後罹癌時的大筆支出,造成家人的負擔,
所以想幫自己規劃癌症相關保險,
本來想要只保癌症險主約就好,
但是後來看到重大疾病險和重大傷病險好像也各有好壞,
看到文章寫:
*原位癌是屬於治癒性高的疾病,疾病診斷代碼並不在公告項目的範圍內,因此,不符合重大傷病證明申請條件。
*重大疾病險從 105 年統一使用癌症標準化定義,癌症險從 108 年起定義標準化,兩者共同之處,在於將癌症劃分為 10 項輕度癌、重度癌,不同之處在重大疾病險列出 3 項除外不賠,此 3 項除外不賠癌症,在癌症險列人初期癌,通常按約定保額的 1 / 10 理賠。
這讓我陷入混亂,不知該怎麼保比較適合,
因為我(37歲)本身從小有嚴重的皮膚炎和濕疹的長期困擾,間接影響到睡眠和生活作息,
本身沒有任何保險!
因為本身長期失業 只有在網路賣一些東西賺錢
目前想規劃實支實付、重大傷病、癌症險(一次金+門診給付+併發症),
最好能保證續約!
希望大家幫我比較一下幾家壽險公司的組合!
https://finfo.tw/assortments/e25b0618e88c6cff 台灣人壽
https://finfo.tw/assortments/390cfb9169fc7906 台灣人壽
https://finfo.tw/assortments/181c8068eacc4f37 台灣人壽
https://finfo.tw/assortments/fbae9b9c4d9bcea0 全球人壽
https://finfo.tw/assortments/4e4a58badea0f783 遠雄人壽
謝謝大家!
--
最近因為家人罹癌,才覺得需要買個保險,
來避免日後罹癌時的大筆支出,造成家人的負擔,
所以想幫自己規劃癌症相關保險,
本來想要只保癌症險主約就好,
但是後來看到重大疾病險和重大傷病險好像也各有好壞,
看到文章寫:
*原位癌是屬於治癒性高的疾病,疾病診斷代碼並不在公告項目的範圍內,因此,不符合重大傷病證明申請條件。
*重大疾病險從 105 年統一使用癌症標準化定義,癌症險從 108 年起定義標準化,兩者共同之處,在於將癌症劃分為 10 項輕度癌、重度癌,不同之處在重大疾病險列出 3 項除外不賠,此 3 項除外不賠癌症,在癌症險列人初期癌,通常按約定保額的 1 / 10 理賠。
這讓我陷入混亂,不知該怎麼保比較適合,
因為我(37歲)本身從小有嚴重的皮膚炎和濕疹的長期困擾,間接影響到睡眠和生活作息,
本身沒有任何保險!
因為本身長期失業 只有在網路賣一些東西賺錢
目前想規劃實支實付、重大傷病、癌症險(一次金+門診給付+併發症),
最好能保證續約!
希望大家幫我比較一下幾家壽險公司的組合!
https://finfo.tw/assortments/e25b0618e88c6cff 台灣人壽
https://finfo.tw/assortments/390cfb9169fc7906 台灣人壽
https://finfo.tw/assortments/181c8068eacc4f37 台灣人壽
https://finfo.tw/assortments/fbae9b9c4d9bcea0 全球人壽
https://finfo.tw/assortments/4e4a58badea0f783 遠雄人壽
謝謝大家!
--
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保險
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