3歲男童雙實支VS終生醫療理賠金額 - 保險

By Olivia
at 2016-05-20T00:03
at 2016-05-20T00:03
Table of Contents
之前在寶寶0歲時保了罐頭保單,如下:
【富邦】
主 富利旺終身壽險 XWO 10萬元 20年 1,920
附 新綜合住院醫療保險附約 NHR 20單位 75歲滿期 3,791
附 安心寶意外傷害死亡及殘廢保險金 MADD 100萬元 70歲滿期 390
附 安心寶意外傷害醫療保險金(一般型) NMR 3萬元 70歲滿期 536
附 日額型意外傷害住院醫療保險附約 AHI 20單位 75歲滿期 1160
富邦人壽親子型保險豁免附約 20年 267
---------------------------------------------------------------------------8064
【中壽】
主 龍幸福終身壽險 (專案) ACNPL 1萬元 20年期 155
附 新康泰綜合住院醫療保險附約 NCH 20單位 75歲滿期 3,503
附 人身意外傷害保險附約 CPAA 100萬元 80歲滿期 300
(送傷害重大燒燙傷給付) 350,000 0
附 癌症五年定期醫療保險 FCTR 1單位 105歲滿期 24
---------------------------------------------------------------------------3982
【富邦產險】安心守護 200萬 0~15歲 1,200
(內含責任險100萬 重大燒燙傷500萬 意外日額2000 實支實付4萬)
【新安東京】初次罹癌(非保證續保) 100萬 70歲滿期 327
【法國巴黎】金健康專案 100萬 69歲滿期 400
上個月寶寶因為疝氣住院開刀,
富邦理賠5720元
中壽理賠4256元(出院總繳費用)
但是寶寶已離婚的媽媽4個月前幫他保了一個富邦的終身醫療(我不知道什麼方案)
月繳1500多,年繳1萬9
理賠4萬7
我們當然希望孩子都能健健康康不要生病,
但是如果真的生病了,可以有基本的保障,
可是我不理解為何我的雙實支年繳保費也約1萬2
寶寶媽媽的終身醫療年繳保費1萬9
兩個差了7000,
但是
1.理賠金額差這麼多!
2.更何況媽媽保的那個保險還是終身的;
我幫忙保的保險卻是一年一約(年紀越大保費越高)
可以就教各位專家,保費差不了多少,
一個終身,一個一年一約,保費還會越來越高
一個理賠金額4萬7,一個雙實支9976
怎麼會這樣???
我是不是該把雙實支停掉,改保跟媽媽類似的保險??
謝謝大家~~~
--
【富邦】
主 富利旺終身壽險 XWO 10萬元 20年 1,920
附 新綜合住院醫療保險附約 NHR 20單位 75歲滿期 3,791
附 安心寶意外傷害死亡及殘廢保險金 MADD 100萬元 70歲滿期 390
附 安心寶意外傷害醫療保險金(一般型) NMR 3萬元 70歲滿期 536
附 日額型意外傷害住院醫療保險附約 AHI 20單位 75歲滿期 1160
富邦人壽親子型保險豁免附約 20年 267
---------------------------------------------------------------------------8064
【中壽】
主 龍幸福終身壽險 (專案) ACNPL 1萬元 20年期 155
附 新康泰綜合住院醫療保險附約 NCH 20單位 75歲滿期 3,503
附 人身意外傷害保險附約 CPAA 100萬元 80歲滿期 300
(送傷害重大燒燙傷給付) 350,000 0
附 癌症五年定期醫療保險 FCTR 1單位 105歲滿期 24
---------------------------------------------------------------------------3982
【富邦產險】安心守護 200萬 0~15歲 1,200
(內含責任險100萬 重大燒燙傷500萬 意外日額2000 實支實付4萬)
【新安東京】初次罹癌(非保證續保) 100萬 70歲滿期 327
【法國巴黎】金健康專案 100萬 69歲滿期 400
上個月寶寶因為疝氣住院開刀,
富邦理賠5720元
中壽理賠4256元(出院總繳費用)
但是寶寶已離婚的媽媽4個月前幫他保了一個富邦的終身醫療(我不知道什麼方案)
月繳1500多,年繳1萬9
理賠4萬7
我們當然希望孩子都能健健康康不要生病,
但是如果真的生病了,可以有基本的保障,
可是我不理解為何我的雙實支年繳保費也約1萬2
寶寶媽媽的終身醫療年繳保費1萬9
兩個差了7000,
但是
1.理賠金額差這麼多!
2.更何況媽媽保的那個保險還是終身的;
我幫忙保的保險卻是一年一約(年紀越大保費越高)
可以就教各位專家,保費差不了多少,
一個終身,一個一年一約,保費還會越來越高
一個理賠金額4萬7,一個雙實支9976
怎麼會這樣???
我是不是該把雙實支停掉,改保跟媽媽類似的保險??
謝謝大家~~~
--
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