南山的實支理賠限額太低,請小心業務話術 - 保險

By Olivia
at 2012-03-15T21:32
at 2012-03-15T21:32
Table of Contents
※ 引述《MrE (所謂的完美結局?)》之銘言:
: 南山人壽住院醫療保險附約(實支實付) 20計劃數
: 一次住院的雜費跟手術費加起來理賠限額只有10萬
: 只有列在重大手術列表的那些手術才會增額
: 只說:「這醫療險至少能在75歲前,有效轉嫁住院期間10~30萬的必要自費支出」
: 卻完全不提絕大多數的住院醫療只能理賠10萬內雜費加手術費
: 要有30萬理賠限額只有進行列表中之特定重大手術才有
: 有意要買南山的實支實付醫療險的保戶自己注意看清楚條款內容
: 如果你住院進行的不是列表中的重大手術
: 雜費加手術費只能理賠10萬元以內
: 絕對不能有效轉嫁住院期間10~30萬的必要自費支出
為何南山業務要用這種話術來誤導消費者保額?
最重要的原因就是南山的實支保額實在是太低
或者應該說是保費太貴比較貼切
尤其對女性保戶來說更是如此
以原文中詢問的媽媽為例
62歲女性 買南山20單位 保費 $9653
比較同保費能買到其他家實支醫療險的額度
(費率資料來自財團法人保險事業發展中心)
富邦NHR 22單位(保費比南山20單位高11元)
中壽NCH 30單位(保費比南山20單位低331元)
雜費限額 手術費限額
富邦NHR 22單位: 19.3萬 12萬*比例
中壽NCH 30單位: 18萬 9萬*比例
南山HSQ 20單位:總限額10萬(雜費+手術費限額)
付出相同保費下
南山HSQ雜費+手術費的總限額,大約只有其他家雜費限額的一半
換句話說,要轉嫁相同的醫療雜費支出,保費比別家貴一倍
這麼懸殊的差異
條款也沒有比別人好,還比較差(理賠住院期間使用之醫藥)
這也就是個人為何極不推薦這樣的實支醫療險
--
: 南山人壽住院醫療保險附約(實支實付) 20計劃數
: 一次住院的雜費跟手術費加起來理賠限額只有10萬
: 只有列在重大手術列表的那些手術才會增額
: 只說:「這醫療險至少能在75歲前,有效轉嫁住院期間10~30萬的必要自費支出」
: 卻完全不提絕大多數的住院醫療只能理賠10萬內雜費加手術費
: 要有30萬理賠限額只有進行列表中之特定重大手術才有
: 有意要買南山的實支實付醫療險的保戶自己注意看清楚條款內容
: 如果你住院進行的不是列表中的重大手術
: 雜費加手術費只能理賠10萬元以內
: 絕對不能有效轉嫁住院期間10~30萬的必要自費支出
為何南山業務要用這種話術來誤導消費者保額?
最重要的原因就是南山的實支保額實在是太低
或者應該說是保費太貴比較貼切
尤其對女性保戶來說更是如此
以原文中詢問的媽媽為例
62歲女性 買南山20單位 保費 $9653
比較同保費能買到其他家實支醫療險的額度
(費率資料來自財團法人保險事業發展中心)
富邦NHR 22單位(保費比南山20單位高11元)
中壽NCH 30單位(保費比南山20單位低331元)
雜費限額 手術費限額
富邦NHR 22單位: 19.3萬 12萬*比例
中壽NCH 30單位: 18萬 9萬*比例
南山HSQ 20單位:總限額10萬(雜費+手術費限額)
付出相同保費下
南山HSQ雜費+手術費的總限額,大約只有其他家雜費限額的一半
換句話說,要轉嫁相同的醫療雜費支出,保費比別家貴一倍
這麼懸殊的差異
條款也沒有比別人好,還比較差(理賠住院期間使用之醫藥)
這也就是個人為何極不推薦這樣的實支醫療險
--
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