保單健檢 - 保險

By Dinah
at 2014-12-17T04:13
at 2014-12-17T04:13
Table of Contents
請詳述以下資訊:(括弧內文字建議刪除)
一、性別:女
二、年齡:28
三、職業/工作內容:自由業
五、保費預算:5W/year
六、健康告知:家族有癌症病史。本身剛動完婦科手術,但業務員說當初是
帶病隱瞞投保,建議該項不要申請理賠,過五年才行。
七、常用交通工具:汽車
八、預計規劃:
又到了繳保費的時間了,當初請保經規劃險種以癌症及實支實付
為主,住院日額基本就好,壽險能少就少最好沒有,也不需要轉
投資。而保經業務員給我過一張保單比較分析說明簡易表看起來
還不錯,但實際拿到保單後發覺變成落落長的文字,每個字都看
得懂,組合起來好像外星文!而且居然出現『投資標的--台灣卓
越50』這種東西!!也好多變成了終身醫療了?
看到好多人的心得不知道其中有哪些雞肋?才想po到板上請益,
看看有哪些需要做增減的?或是可以減額繳清?這些保險皆只買
一年。謝謝!
九、現有保險:
保險公司:
購買時間:
商品名稱 [英文代號] 保額/計畫 期間 保費
_____________________________________________________________________________
全球人壽安心360利率變動型增額終身壽險 50w 20 11,200
殘廢照護終身保險附約 100w/長年期 20 10,100
醫療費用健康保險附約 保證續保/計畫4 1 3,169
防癌終身健康保險附約 長年期/2單位 20 3,058
失能及重大疾病豁免保險費附約 長年期 510
安聯人壽如意人生變額萬能壽險(C型) 100w 83 6,300
殘廢給付保險附約 100w 1 270
一年定期癌症健康保險附約 100w 1 657
一年期重大疾病暨特定傷病健康附約 100w 1 2,370
一年定期住院醫療日額健康保險附約 1,100 1 2,662
新安逸豁免保險費健康保險附約 12,259 1 216
富邦人壽富利旺終身壽險 10w 20 2,710
一年定期心安殘廢保險附約 10w 1 56
安心住院醫療定額給付保險附約 1,500 1 6,720
新綜合住院醫療保險附約 15單位 1 3,528
永福豁免保險費附約 20 476
十、預增保險:
我也不知要做什麼增減比較好..
--
All Comments

By Enid
at 2014-12-20T14:47
at 2014-12-20T14:47

By Gilbert
at 2014-12-23T21:55
at 2014-12-23T21:55
書完全不一樣的險種卻沒發現啊...

By Margaret
at 2014-12-25T16:48
at 2014-12-25T16:48

By Megan
at 2014-12-28T21:41
at 2014-12-28T21:41
樣做單很糟糕,有病史建議重大疾病跟終身醫療要完整。

By Ula
at 2014-12-29T15:31
at 2014-12-29T15:31
實告知且核保才能考慮解約

By Rae
at 2014-12-31T15:13
at 2014-12-31T15:13

By Rosalind
at 2015-01-03T04:51
at 2015-01-03T04:51

By Emma
at 2015-01-03T15:07
at 2015-01-03T15:07
回這樣嗎?

By Selena
at 2015-01-06T15:50
at 2015-01-06T15:50

By Kelly
at 2015-01-07T07:56
at 2015-01-07T07:56
那有哪些是可以退掉的保險呢?

By Adele
at 2015-01-11T20:04
at 2015-01-11T20:04

By Michael
at 2015-01-12T12:14
at 2015-01-12T12:14
就文中的感覺來看,應該是避開風險問題沒有講...

By Kyle
at 2015-01-16T05:26
at 2015-01-16T05:26

By Quanna
at 2015-01-18T08:25
at 2015-01-18T08:25

By Hardy
at 2015-01-22T10:25
at 2015-01-22T10:25
要用投資型,也沒跟客戶說明清楚

By Charlotte
at 2015-01-25T17:41
at 2015-01-25T17:41

By Mia
at 2015-01-27T23:37
at 2015-01-27T23:37
她也沒想到我這麼快就要開

By Lucy
at 2015-01-30T16:34
at 2015-01-30T16:34

By Mia
at 2015-01-30T23:39
at 2015-01-30T23:39

By Carolina Franco
at 2015-02-04T01:23
at 2015-02-04T01:23

By Callum
at 2015-02-08T07:48
at 2015-02-08T07:48

By Jessica
at 2015-02-10T13:52
at 2015-02-10T13:52
請意外理賠,也被調閱10多年病歷,因為沒告知,結果
整份保單退保。

By Suhail Hany
at 2015-02-13T08:21
at 2015-02-13T08:21

By Olga
at 2015-02-13T12:56
at 2015-02-13T12:56

By Mason
at 2015-02-16T20:10
at 2015-02-16T20:10
但你解約整張保單就結束了

By Sierra Rose
at 2015-02-18T06:33
at 2015-02-18T06:33
當有體況的時候,這問題就很麻煩了

By Todd Johnson
at 2015-02-22T17:13
at 2015-02-22T17:13

By Daniel
at 2015-02-27T12:09
at 2015-02-27T12:09
都會比較貴。

By Rosalind
at 2015-03-01T20:29
at 2015-03-01T20:29
為了搭附約才會排投資型保單的

By Noah
at 2015-03-02T21:39
at 2015-03-02T21:39

By George
at 2015-03-04T12:22
at 2015-03-04T12:22

By Oscar
at 2015-03-05T12:29
at 2015-03-05T12:29
業務說只能部分解不能全解 這樣附約才能維持有效
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