國泰保單檢視 - 保險

By Oscar
at 2013-06-15T00:32
at 2013-06-15T00:32
Table of Contents
一、性別:男
二、年齡:承保當時28歲
三、職業/工作內容: 竹科工程師
四、保障需求:醫療,意外
五、保費預算:目前一年約3萬
六、健康告知: 無
七、常用交通工具: 機車,汽車
八、預計規劃:
目前這份保單看起來像是什麼都有保(意外,防癌,骨折, 醫療),
但細看的話, 醫療額度不高,身故理賠重複.
要是把那些不是很必要的預算拿去補足不足的部分,
應該可讓所繳的保費發揮最大的效益.
所以想請教, 可拿掉什麼改補什麼 (我想到的是補個實支實付吧)
謝謝!
九、現有保險:
保險公司:國泰
購買時間:98年
商品名稱 保額/計畫 保費
____________________________________________________________________________
主約: 國泰人壽新鍾情終身壽險 30萬 11580
附約: 康愛防癌終身健康保險附約 一單位 6698
新定期100附約 100萬 3090
全方位傷害保險附約 100萬 4540
好骨力傷害保險附約 20萬 1280
全新住院日額健康保險附約 2000 6556
新關懷保險費豁免附約 488
____________________________________________________________________________
年繳保費 34232
最後, 要補充說明的是: 這是張人情保單 Orz
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