想加強防癌險部分 - 保險
By Audriana
at 2011-09-01T23:09
at 2011-09-01T23:09
Table of Contents
最近和業務員接觸才驚覺之前買的保險很可能在未來很難發揮效用
(大多都需住院且標靶藥物不給付)
加上之前保險時剛出社會沒什麼經濟基礎
因此額度都只是買最低額度
現在想要加強防癌險的部分
業務員推薦給我的方案為:
國泰人壽珍愛防癌定期保險 http://0rz.tw/72Slb (一單位每月250元)
讓我覺得不錯的地方在於若診斷罹患癌症即一次理賠
且最後若無罹癌可退還本金加利息
聽起來好像沒有什麼損失@@
但因為是在電話裡說明的
且我本身對於保險其實沒有太多了解
因此想請較版上的各位高手
就我目前已擁有的保險狀況下，這張保單值得追加嗎?
或是否有其他更好的選擇?
我原本是打算加強實支實付部分的
但業務員說實支實付的保障金額較低，且有未必能續保的問題存在
因此想聽聽大家的意見，希望大家不吝於指教，謝謝^^
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72年次
目前擁有的保險為:
紐約人壽(96年生效)(年繳24XXX元 20年期)
永安終身壽險 30萬
全福住院醫療終身保險付約乙型 日額型1000元
豁免保險費附約
全球人壽(96年生效)(年繳5586元 20年期)
全球人壽防癌終身健康保險 1單位
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