保證賺錢的終身醫療險 - 保險
By Margaret
at 2010-03-19T23:52
at 2010-03-19T23:52
Table of Contents
網頁好讀版
http://vi1l3vu03.pixnet.net/blog/post/5507061
假設規劃一張住院日額1000的單。
1.
平均每人短期住院次數=0.2次/年
平均每次住院天數15天
平均每人保險費1000元 ×15 ×0.2 = 3,000元
2.
平均每人長期住院次數=0.01次/年
平均每次住院天數50天
平均每人保險費1000元 ×50 ×0.01 = 500元
3.
住院醫療險保費＝3,500元/人
4.
保費效益
a.
短期住院發生的機率大約每五年一次，
但某甲每五年發生了2次且各住院15天的是算結果：
理賠金 1000*15*2 ＝30,000
總繳保費 3500*5*1.3＝22,750
（+30％附加費用）
實際上某甲只得到了7,250的幫助，保障效益比0.31倍。
b.
長期住院發生，只買保大不保小的情況，
某乙住院某年發生了一次且住院50天，
理賠金 1000*50 ＝50000
總繳保費 3500*500＝17500
（+30％附加費用）
實際上某乙得到了32500的幫助保障效益比1.86。
註:保障效益比（ （理賠金-總繳保費）/總繳保費 ）
＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝
為什麼台灣的終身醫療險這麼喜歡保大又保小，
其中之一是比較好賣，
其二是比較有賺頭。
考慮附加費用率後
附加費用
大小都保 3500*0.3＝1050
保大不保小 500*0.4 ＝ 200
看出其中的差異了吧！
怎麼樣的保險最好？
當然是保障效益比越高越好，以小博大才是保險的真諦，
只可惜台灣的保險公司沒有這樣的保單，
台灣的保險業務沒有這樣的保險觀念。
--
http://vi1l3vu03.pixnet.net/blog
保險的數學方程式
這裡不賣保險只說保險
--
http://vi1l3vu03.pixnet.net/blog/post/5507061
假設規劃一張住院日額1000的單。
1.
平均每人短期住院次數=0.2次/年
平均每次住院天數15天
平均每人保險費1000元 ×15 ×0.2 = 3,000元
2.
平均每人長期住院次數=0.01次/年
平均每次住院天數50天
平均每人保險費1000元 ×50 ×0.01 = 500元
3.
住院醫療險保費＝3,500元/人
4.
保費效益
a.
短期住院發生的機率大約每五年一次，
但某甲每五年發生了2次且各住院15天的是算結果：
理賠金 1000*15*2 ＝30,000
總繳保費 3500*5*1.3＝22,750
（+30％附加費用）
實際上某甲只得到了7,250的幫助，保障效益比0.31倍。
b.
長期住院發生，只買保大不保小的情況，
某乙住院某年發生了一次且住院50天，
理賠金 1000*50 ＝50000
總繳保費 3500*500＝17500
（+30％附加費用）
實際上某乙得到了32500的幫助保障效益比1.86。
註:保障效益比（ （理賠金-總繳保費）/總繳保費 ）
＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝＝
為什麼台灣的終身醫療險這麼喜歡保大又保小，
其中之一是比較好賣，
其二是比較有賺頭。
考慮附加費用率後
附加費用
大小都保 3500*0.3＝1050
保大不保小 500*0.4 ＝ 200
看出其中的差異了吧！
怎麼樣的保險最好？
當然是保障效益比越高越好，以小博大才是保險的真諦，
只可惜台灣的保險公司沒有這樣的保單，
台灣的保險業務沒有這樣的保險觀念。
--
http://vi1l3vu03.pixnet.net/blog
保險的數學方程式
這裡不賣保險只說保險
--
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