意外險的必要性? - 保險
By Ursula
at 2020-06-20T13:00
at 2020-06-20T13:00
Table of Contents
最近在幫自己規劃人生中第一份保單
朋友介紹的保經幫我用 Finfo 做了規劃,正在調整當中
其中一個讓我感到困惑的點是,如果已經規劃了壽險+失能險+實支實付(住院+門診)
意外險還有他的必要性嗎?
舉例而言,目前規劃中的這三個附約,在我目前的理解中,幾乎都已有對應的保障
台灣人壽長安傷害保險附約 (SPAR)
意外身故→壽險
意外失能→失能險
重大燒燙傷→實支實付醫療險
台灣人壽年年平安傷害醫療附加條款(一般實支) (SMR2A)
意外醫療→實支實付醫療險
台灣人壽年年平安傷害醫療附加條款(日額D) (SMR2D)
意外住院日額→實支實付醫療險
骨折醫療→實支實付醫療險
保經是跟我說,主要差異在意外住院日額有賠骨折未住院
想請問大家,是不是還有什麼我沒想到的缺口呢?
感覺意外險是相當常見且基本的險種,不保感覺怪怪的,但又感受不到他的必要性orz
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