HNRD手術理賠方法 - 保險

By Olive
at 2023-04-02T19:37
at 2023-04-02T19:37
Table of Contents
假設以HNRC計畫一及HNRD計畫ㄧ然後進行白內障飛秒手術自費70000元來看,
HNRC給付了手術費160000*15%=24000
可是HNRD手術費的自負額是160000,要超過160000之後才給你(220000-160000)*15%=9000
的額度給付
這個自負額根本很難超過,保了HNRC跟HNRD後,手術費只給付了24000元。
跟預期差很多,在手術費部分完全沒有銜接到,中間有一大段沒有保障到。
如果真的是這種賠法的話,那還是提高HNRC計畫還比較實在。
--
HNRC給付了手術費160000*15%=24000
可是HNRD手術費的自負額是160000,要超過160000之後才給你(220000-160000)*15%=9000
的額度給付
這個自負額根本很難超過,保了HNRC跟HNRD後,手術費只給付了24000元。
跟預期差很多,在手術費部分完全沒有銜接到,中間有一大段沒有保障到。
如果真的是這種賠法的話,那還是提高HNRC計畫還比較實在。
--
Tags:
保險
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