以CP值角度探討如何構買基本保險 - 保險
By Rachel
at 2023-02-06T02:25
at 2023-02-06T02:25
Table of Contents
陽春型: 單實支 (雜費 9 萬)
0~75歲總保費30萬 (年繳 4 千)
(雜費用滿3次+手術費應該就回本了)
加強型: 單實支 + 癌症一次金 + 重大傷病
0~26歲重大傷病總保費5萬(保額100萬)
0~50歲癌症一次金總保費9.5萬(保額100萬)
0~75歲總保費44.5萬 (年繳約 6 千)
豪華型: 雙實支(9+5) + 癌症一次金 + 重大傷病 + 失能扶助
0~26歲重大傷病總保費5萬(保額100萬)
0~50歲癌症一次金總保費9.5萬(保額100萬)
0~45歲失能扶助總保費11.8萬(月領4萬 *180月)
46~60歲失能扶助總保費9萬(月領2萬 *180月)
0~75歲雙實支總保費52.2萬
0~75歲總保費87.5萬 (年繳約 1 萬 2)
思路歷程:
1. 0~26歲重大傷病保費低、保障高
(成年人前額葉25歲成熟前易衝動行事)
(25~50歲總保費約22萬, 保額100萬)
2. 0~50歲癌症一次金女生一定要保
(親屬女性有 3 位在 3x 歲時罹癌)
(親屬男性則在 6x 歲後才罹癌)
(25~55歲總保費約14萬, 保額100萬)
(25~60歲總保費約22萬, 保額100萬)
3. 0~45歲失能扶助(月領4萬)保費低、保障高
46~60歲失能扶助(月領2萬+積蓄應該OK)
4. 雙實支(9+5)若還不足,
再貼的額外支出應該也負擔得起.
5. 意外醫療實支:
可保可不保, 損失的金額小還負擔得起.
想要出保的感覺就保, 反正保費也不貴.
6. 有家庭責任者自己再補意外險和定期壽險.
以上是個人最近研究保險的心得
(中心思想: 花少少錢, 買高保障)
告一段落整理起來以便日後復習
如有需要修正或加強的地方敬請前輩賜教
--
0~75歲總保費30萬 (年繳 4 千)
(雜費用滿3次+手術費應該就回本了)
加強型: 單實支 + 癌症一次金 + 重大傷病
0~26歲重大傷病總保費5萬(保額100萬)
0~50歲癌症一次金總保費9.5萬(保額100萬)
0~75歲總保費44.5萬 (年繳約 6 千)
豪華型: 雙實支(9+5) + 癌症一次金 + 重大傷病 + 失能扶助
0~26歲重大傷病總保費5萬(保額100萬)
0~50歲癌症一次金總保費9.5萬(保額100萬)
0~45歲失能扶助總保費11.8萬(月領4萬 *180月)
46~60歲失能扶助總保費9萬(月領2萬 *180月)
0~75歲雙實支總保費52.2萬
0~75歲總保費87.5萬 (年繳約 1 萬 2)
思路歷程:
1. 0~26歲重大傷病保費低、保障高
(成年人前額葉25歲成熟前易衝動行事)
(25~50歲總保費約22萬, 保額100萬)
2. 0~50歲癌症一次金女生一定要保
(親屬女性有 3 位在 3x 歲時罹癌)
(親屬男性則在 6x 歲後才罹癌)
(25~55歲總保費約14萬, 保額100萬)
(25~60歲總保費約22萬, 保額100萬)
3. 0~45歲失能扶助(月領4萬)保費低、保障高
46~60歲失能扶助(月領2萬+積蓄應該OK)
4. 雙實支(9+5)若還不足,
再貼的額外支出應該也負擔得起.
5. 意外醫療實支:
可保可不保, 損失的金額小還負擔得起.
想要出保的感覺就保, 反正保費也不貴.
6. 有家庭責任者自己再補意外險和定期壽險.
以上是個人最近研究保險的心得
(中心思想: 花少少錢, 買高保障)
告一段落整理起來以便日後復習
如有需要修正或加強的地方敬請前輩賜教
--
Tags:
保險
All Comments
By Sierra Rose
at 2023-02-07T17:06
at 2023-02-07T17:06
By Frederic
at 2023-02-09T07:46
at 2023-02-09T07:46
By Mason
at 2023-02-08T06:56
at 2023-02-08T06:56
By Kelly
at 2023-02-09T21:36
at 2023-02-09T21:36
By Kumar
at 2023-02-08T06:56
at 2023-02-08T06:56
By Steve
at 2023-02-09T21:36
at 2023-02-09T21:36
By Heather
at 2023-02-08T06:56
at 2023-02-08T06:56
By Dinah
at 2023-02-09T21:36
at 2023-02-09T21:36
By Gary
at 2023-02-08T06:56
at 2023-02-08T06:56
By Rosalind
at 2023-02-09T21:36
at 2023-02-09T21:36
By Rosalind
at 2023-02-08T06:56
at 2023-02-08T06:56
By Olivia
at 2023-02-09T21:36
at 2023-02-09T21:36
By Ophelia
at 2023-02-08T06:56
at 2023-02-08T06:56
By Suhail Hany
at 2023-02-09T21:36
at 2023-02-09T21:36
By Kama
at 2023-02-08T06:56
at 2023-02-08T06:56
By Blanche
at 2023-02-09T21:36
at 2023-02-09T21:36
By Rosalind
at 2023-02-08T06:56
at 2023-02-08T06:56
By Ula
at 2023-02-09T21:36
at 2023-02-09T21:36
By Tracy
at 2023-02-08T06:56
at 2023-02-08T06:56
By Sarah
at 2023-02-09T21:36
at 2023-02-09T21:36
By Erin
at 2023-02-08T06:56
at 2023-02-08T06:56
By Eden
at 2023-02-09T21:36
at 2023-02-09T21:36
By Wallis
at 2023-02-08T06:56
at 2023-02-08T06:56
By Edith
at 2023-02-09T21:36
at 2023-02-09T21:36
By Andy
at 2023-02-08T06:56
at 2023-02-08T06:56
By Tristan Cohan
at 2023-02-09T21:36
at 2023-02-09T21:36
By Edward Lewis
at 2023-02-08T06:56
at 2023-02-08T06:56
By Annie
at 2023-02-09T21:36
at 2023-02-09T21:36
By Liam
at 2023-02-08T06:56
at 2023-02-08T06:56
By Ula
at 2023-02-09T21:36
at 2023-02-09T21:36
By Edith
at 2023-02-08T06:56
at 2023-02-08T06:56
By Puput
at 2023-02-09T21:36
at 2023-02-09T21:36
By Enid
at 2023-02-08T06:56
at 2023-02-08T06:56
By Todd Johnson
at 2023-02-09T21:36
at 2023-02-09T21:36
By Genevieve
at 2023-02-08T06:56
at 2023-02-08T06:56
By Kristin
at 2023-02-09T21:36
at 2023-02-09T21:36
By Caroline
at 2023-02-08T06:56
at 2023-02-08T06:56
By Genevieve
at 2023-02-09T21:36
at 2023-02-09T21:36
By Linda
at 2023-02-08T06:56
at 2023-02-08T06:56
By Catherine
at 2023-02-09T21:36
at 2023-02-09T21:36
By Noah
at 2023-02-08T06:56
at 2023-02-08T06:56
By Hedda
at 2023-02-09T21:36
at 2023-02-09T21:36
By Audriana
at 2023-02-08T06:56
at 2023-02-08T06:56
By Hedda
at 2023-02-09T21:36
at 2023-02-09T21:36
Related Posts
0歲男 新生兒保單規劃
By Victoria
at 2023-02-06T02:13
at 2023-02-06T02:13
20年前的雙實支想換高雜費實支
By Iris
at 2023-02-06T01:01
at 2023-02-06T01:01
鹽水蜂炮
By Olga
at 2023-02-06T00:53
at 2023-02-06T00:53
2歲男童保單檢視
By Blanche
at 2023-02-06T00:43
at 2023-02-06T00:43
新安東京海上產險666畢業
By Leila
at 2023-02-05T23:54
at 2023-02-05T23:54