寄給南山業務的詢問信,內容是否合適? - 保險

By Todd Johnson
at 2012-08-20T22:02
at 2012-08-20T22:02
Table of Contents
※ 引述《gsuper (Logit(odds))》之銘言:
: 想請問板上的大大們
: 我用以下信件問業務
: 是否有問到重點?
: 再來
: 如果您是業務
: 會不會對這樣的詢問很感冒?
: 信件內容是否有什麼不妥?
: P.S. 謝謝不少版眾在之前的文章中 寄信教我觀念 真心感謝
: --------------------------------------------------
: Dear XXX :
: Hi
: 經過我在網路搜尋的結果
: 發現大家似乎比較推薦以下的觀念
: 1. 定期險的實效遠比終身險高
: 2. 投資型與儲蓄型保單很差
: 3. 住院險幾乎等於不需要 (平均住院日數低於10日/年 + DRGs抑制住院天數)
: 4. 醫療 -> 用雙實支扛下住院與手術支出 , 必須保證續保 , 除非必要否則不買終身險
: 5. 意外險 -> 產險較便宜 , 但不保證續保
: 6. 癌症險 -> 提高重大疾病險保額 , 比癌症保單好 (漏洞太多與併發症不理賠)
: 7. 最虧的是主約 , 最有利的是選對副約
: 我想以雙實支的策略來講
: 我的狀況在於有一個已經保很久的重大疾病的主約 ,
: 現狀對我最有利的或許是去增加很多好的一年期附約 ,
: 避免終身醫療的主約 (通膨問題導致現在花 5000 購買將來只值 2000 的終身醫療)
: 因此對南山的項目進行加購似乎是理所當然
: 另外 , 想請問以下問題
: 1. 實支實付是否可以依附重大疾病險主約?
基本上應該可以~至少我們家的可以!
: 2. 南山是否接受醫院的收據影本? (達成雙實支的條件之一)
南山這種大公司似乎沒有副本理賠耶~
: 3. 南山的實支實付是否保證續保?
市面上大部分都會是保證續保到75歲!
: 4. 聽說實支實付只處理住院醫療
: 若只是門診拿藥是否理賠?
否
: 若作許多健保給付的檢查是否理賠?
你只要有住院收據上面多少錢基本上就會理賠多少錢,病房費另外有限額,其餘部分會歸
類到雜費!
: 若我因為感覺到病灶 , 主動要做自費檢查是否理賠?
答案同上
: (e.g. 腦斷層掃描 , 費用約 10000~20000 )
: 5. 我能否拉高之前那張重大疾病的保費?
: (聽說保險後3~5年可以這樣做 , 我的應該超過10年了)
增額必定會體檢(避免道德風險)你可以評估之後再進行!不然其實再買一張新的差不了
多少(因為大部分公司對你增額的部分會用你現在的年紀去計算保費)
: 6. 南山的癌險對癌症併發症的理賠狀況如何?
: 舉例來說 , 直腸癌手術後 , 另行使人工肛門重建手術
: 或是器官捐贈手術後的免疫抑制住院醫療之類的
這個部分要看條款不過基本上來說癌症險的理賠項目非常明確
: 7. 手術險你覺得如何? 南山有手術險的副約嗎?
有SIR
: 8. 若重大疾病主約到期 , 其它附約可以續保嗎?
可以,在主約消失之前附都可以續保到他各自所定的最高年齡(保單上會有寫)
: best regard
: Super
您好,我不是南山的業務員,不過您問的問題基本上各公司大同小異!所以不才在下
就幫您回答了一些問題!如果不符合您的需要就當作沒看到吧(笑)
還有定期與終身的好壞其實並非如此的絕對!因為很簡單的一個問題,如果您75歲了,您
的附約都已經不能續保了,請問在最需要看醫生的時候醫療費用誰出呢?
終身的日額是絕對需要的!實支實付需要且重要沒錯,但是那完全不能補償我們因生病
而沒上班的損失,他只能補償我們的醫藥費。難道我因為生病住院家裡的開銷就不用了?
家人來照顧我難道這樣的時間成本不用計入?
其實在能力範圍做到最大的保障才是正確的!買多不一定就好,但是完全鄙棄日額及終身醫療卻是
錯誤的想法!
年輕時沒錢可以用一年一約的實支實付+日額。漸漸的能力變強就要轉成終身醫療,如此
才不會在最後要靠自己的小孩來幫自己附醫藥費!
況且雙實支是個有點浪費的方式,因為額度雖高但是用不到的機會也不少。實支實付
的費用並沒有比日額便宜到哪去?
基本上一個好的保險規劃是需要分析你的收入和你想要的狀態,網路上有很多說法
但最重要的是找一個你可以信任且專業的業務員,而不是人云亦云^^
像您在上面提到的投資型保險很差,請問差在哪?
其實如果拿投資型來當作一個家庭支柱的壽險保障是再好也不過的方式您相信嗎?
投資只是它的附加功能而不是主要功能,他是以保障為主的,只是現在大多的業務員已經
脫離了保險的本質。就連壽險跟儲蓄險也沒有任何不好的地方,除非,你只看到投報率。
那我就無話可說,保險本來就是保本保障風險的,拿來當投資當然不可能會好!
再來主約虧?附約賺?我想您可以再仔細想想或是看看保單內容在下這樣的結論吧!
主約有保價金,保價金就是您的錢,是可以用的!而附約沒用到就是沒用到了!
還是那個概念,沒有最好的保單,只有適合和可以保障您的保單^^
以上為小的拙見
如果您有任何的問題歡迎來信^^
--
: 想請問板上的大大們
: 我用以下信件問業務
: 是否有問到重點?
: 再來
: 如果您是業務
: 會不會對這樣的詢問很感冒?
: 信件內容是否有什麼不妥?
: P.S. 謝謝不少版眾在之前的文章中 寄信教我觀念 真心感謝
: --------------------------------------------------
: Dear XXX :
: Hi
: 經過我在網路搜尋的結果
: 發現大家似乎比較推薦以下的觀念
: 1. 定期險的實效遠比終身險高
: 2. 投資型與儲蓄型保單很差
: 3. 住院險幾乎等於不需要 (平均住院日數低於10日/年 + DRGs抑制住院天數)
: 4. 醫療 -> 用雙實支扛下住院與手術支出 , 必須保證續保 , 除非必要否則不買終身險
: 5. 意外險 -> 產險較便宜 , 但不保證續保
: 6. 癌症險 -> 提高重大疾病險保額 , 比癌症保單好 (漏洞太多與併發症不理賠)
: 7. 最虧的是主約 , 最有利的是選對副約
: 我想以雙實支的策略來講
: 我的狀況在於有一個已經保很久的重大疾病的主約 ,
: 現狀對我最有利的或許是去增加很多好的一年期附約 ,
: 避免終身醫療的主約 (通膨問題導致現在花 5000 購買將來只值 2000 的終身醫療)
: 因此對南山的項目進行加購似乎是理所當然
: 另外 , 想請問以下問題
: 1. 實支實付是否可以依附重大疾病險主約?
基本上應該可以~至少我們家的可以!
: 2. 南山是否接受醫院的收據影本? (達成雙實支的條件之一)
南山這種大公司似乎沒有副本理賠耶~
: 3. 南山的實支實付是否保證續保?
市面上大部分都會是保證續保到75歲!
: 4. 聽說實支實付只處理住院醫療
: 若只是門診拿藥是否理賠?
否
: 若作許多健保給付的檢查是否理賠?
你只要有住院收據上面多少錢基本上就會理賠多少錢,病房費另外有限額,其餘部分會歸
類到雜費!
: 若我因為感覺到病灶 , 主動要做自費檢查是否理賠?
答案同上
: (e.g. 腦斷層掃描 , 費用約 10000~20000 )
: 5. 我能否拉高之前那張重大疾病的保費?
: (聽說保險後3~5年可以這樣做 , 我的應該超過10年了)
增額必定會體檢(避免道德風險)你可以評估之後再進行!不然其實再買一張新的差不了
多少(因為大部分公司對你增額的部分會用你現在的年紀去計算保費)
: 6. 南山的癌險對癌症併發症的理賠狀況如何?
: 舉例來說 , 直腸癌手術後 , 另行使人工肛門重建手術
: 或是器官捐贈手術後的免疫抑制住院醫療之類的
這個部分要看條款不過基本上來說癌症險的理賠項目非常明確
: 7. 手術險你覺得如何? 南山有手術險的副約嗎?
有SIR
: 8. 若重大疾病主約到期 , 其它附約可以續保嗎?
可以,在主約消失之前附都可以續保到他各自所定的最高年齡(保單上會有寫)
: best regard
: Super
您好,我不是南山的業務員,不過您問的問題基本上各公司大同小異!所以不才在下
就幫您回答了一些問題!如果不符合您的需要就當作沒看到吧(笑)
還有定期與終身的好壞其實並非如此的絕對!因為很簡單的一個問題,如果您75歲了,您
的附約都已經不能續保了,請問在最需要看醫生的時候醫療費用誰出呢?
終身的日額是絕對需要的!實支實付需要且重要沒錯,但是那完全不能補償我們因生病
而沒上班的損失,他只能補償我們的醫藥費。難道我因為生病住院家裡的開銷就不用了?
家人來照顧我難道這樣的時間成本不用計入?
其實在能力範圍做到最大的保障才是正確的!買多不一定就好,但是完全鄙棄日額及終身醫療卻是
錯誤的想法!
年輕時沒錢可以用一年一約的實支實付+日額。漸漸的能力變強就要轉成終身醫療,如此
才不會在最後要靠自己的小孩來幫自己附醫藥費!
況且雙實支是個有點浪費的方式,因為額度雖高但是用不到的機會也不少。實支實付
的費用並沒有比日額便宜到哪去?
基本上一個好的保險規劃是需要分析你的收入和你想要的狀態,網路上有很多說法
但最重要的是找一個你可以信任且專業的業務員,而不是人云亦云^^
像您在上面提到的投資型保險很差,請問差在哪?
其實如果拿投資型來當作一個家庭支柱的壽險保障是再好也不過的方式您相信嗎?
投資只是它的附加功能而不是主要功能,他是以保障為主的,只是現在大多的業務員已經
脫離了保險的本質。就連壽險跟儲蓄險也沒有任何不好的地方,除非,你只看到投報率。
那我就無話可說,保險本來就是保本保障風險的,拿來當投資當然不可能會好!
再來主約虧?附約賺?我想您可以再仔細想想或是看看保單內容在下這樣的結論吧!
主約有保價金,保價金就是您的錢,是可以用的!而附約沒用到就是沒用到了!
還是那個概念,沒有最好的保單,只有適合和可以保障您的保單^^
以上為小的拙見
如果您有任何的問題歡迎來信^^
--
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at 2013-04-19T09:29

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at 2013-04-23T23:08
at 2013-04-23T23:08

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at 2013-04-28T00:08
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at 2013-04-28T05:57
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at 2013-04-30T23:40
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at 2013-05-04T07:24
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at 2013-05-05T21:37
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at 2013-06-01T21:31
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at 2013-06-05T11:39
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at 2013-06-10T13:49
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at 2013-06-11T18:51
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at 2013-06-13T17:03
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at 2013-06-14T08:43
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at 2013-06-17T10:21
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at 2013-08-08T20:14
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at 2013-09-19T07:51
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at 2013-09-22T04:32
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at 2013-09-23T16:03
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at 2013-10-12T13:57
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at 2013-10-14T11:44
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at 2013-10-21T09:07
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at 2013-10-23T18:37
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