南山HS是否CP值很低.. - 保險

By Edith
at 2015-12-05T11:28
at 2015-12-05T11:28
Table of Contents
目前為30歲男性,本身無保險
自己和南山業務規劃的險種為
1.南山人壽新康順終身保險 20NPPL 15萬 4950元
2.南山人壽住院醫療保險附約 HS 15計畫 3060元
之後打算再加上 全球XHR 弄成雙實支
但後來在my83看到國泰CV的CP值蠻高的...國泰CV+全球XHR變成我心目中黃金組合
當時會想買南山一方面是人情,另一方面查了一下南山歷年的申訴率的確最低
但後來發現國泰的申訴率也是第二低,搭一個相對申訴率高的全球人壽應該還算安全
我的問題:
1.所以大家覺得我應該放棄南山直接轉投國泰嗎?國泰的理賠口碑究竟如何?
還是其實南山HS也沒那麼不堪,再加上XHR就好?
2.南山有點人情壓力,如果不保HS,不知道有沒有南山其他的險種
(意外險,定期壽險)CP值還OK的?
麻煩大家了,謝謝~
--
自己和南山業務規劃的險種為
1.南山人壽新康順終身保險 20NPPL 15萬 4950元
2.南山人壽住院醫療保險附約 HS 15計畫 3060元
之後打算再加上 全球XHR 弄成雙實支
但後來在my83看到國泰CV的CP值蠻高的...國泰CV+全球XHR變成我心目中黃金組合
當時會想買南山一方面是人情,另一方面查了一下南山歷年的申訴率的確最低
但後來發現國泰的申訴率也是第二低,搭一個相對申訴率高的全球人壽應該還算安全
我的問題:
1.所以大家覺得我應該放棄南山直接轉投國泰嗎?國泰的理賠口碑究竟如何?
還是其實南山HS也沒那麼不堪,再加上XHR就好?
2.南山有點人情壓力,如果不保HS,不知道有沒有南山其他的險種
(意外險,定期壽險)CP值還OK的?
麻煩大家了,謝謝~
--
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保險
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