即將滿65歲的媽媽的長照險 - 保險
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By Edwina
at 2023-04-04T12:38
at 2023-04-04T12:38
Table of Contents
摘要:
煩請有經驗的朋友們, 針對我媽媽的狀況,
對於 "長照"/"FLTC"這商品, 給予意見
詳情:
之前自己大部分時間都不在台灣
所以也沒特別注意父母的保險保障
最近偶然一問之下
才發現父母目前都只剩小保額的壽險在身上
我媽媽即將在半年後滿65歲
喜歡早起去爬山
身體健康狀況都還不錯
(我爸爸已經超過可以考慮保險的年紀太多 就先不管)
目前與南山的銷售人員接洽中
也幫我找了一系列的組合
我目前會優先考慮 意外險 醫療險
然後就是最昂貴的長照險
保險名稱FLTC, 保費一年111K, 繳費十年, 保額36萬, 最高給付15年/次, 保障到95歲
和一般長照險差不多, 保障範圍就是1)長期照顧狀態2)完全失能
此一商品還包括1-6級失能而豁免保費
想過要不要找找看失能險
但目前市面上其實也不容易找到終身的失能險
定期的失能險多半只能到75歲
而我比較替我媽擔心的反而是75歲的狀況
我自己對我媽媽的了解, 不考慮意外的話, 只看老化以及疾病, 推測75-85才比較
有可能進入失能狀態, 也因此定期的失能險應該也對我媽的狀況沒太大幫助
意外的部分我就會另外購買意外失能險作為保障
目前我還無法下決定該怎麼做,
雖然我認同保險是花錢去保障那些可能不會發生的事情卻發生的狀況,
不用期待回收, 所以我要考慮的只是價格是否合理
保費十年大約111萬, 如果理賠, 滿期有540萬 (平均據說大概領到8年)
乍看之下, 雖然巴氏量表認定有些模糊, 但也算是保障了極端的狀況
然而這個極端的狀況, 機率是否有高到符合這個價格呢?
Welcome for comments
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All Comments
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