我媽有腎結石,可否承保實支實付? - 保險
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By Ingrid
at 2015-08-08T15:25
at 2015-08-08T15:25
Table of Contents
如題,我媽48歲今年2月發現腎結石伴隨血尿,隨後馬上進行體外震波震碎,然後當時承保
富邦NHR沒過,當下被拒保,現在的狀況體內沒有結石,也無血尿,
不過好像是再檢體(觀察半年後可再承保看看),現在我想幫
她保中信HNRB(計劃二) or 全球XHR (計劃五),有先跟以前的新光保險員探聽一下,他們
說新光一定是拒保,想問:
Q1: 那是否代表其他的保險公司也一定拒保呢? (我在網路上沒找到相關疾病拒保的,
不過有聽說腎結石的復發率很高所以保險公司不願意再拒保的說詞)
Q2: 父母沒有存什麼退休金,過去買的醫療險很薄弱,幫他們買實支實付是否有其必要?
(算過這樣為父母還要再支出70萬台幣的總費用)
Q3: 年紀大的族群買哪一家的實支實付比較好呢? 請各位幫忙給點意見
謝謝各位先進 !!!
--
富邦NHR沒過,當下被拒保,現在的狀況體內沒有結石,也無血尿,
不過好像是再檢體(觀察半年後可再承保看看),現在我想幫
她保中信HNRB(計劃二) or 全球XHR (計劃五),有先跟以前的新光保險員探聽一下,他們
說新光一定是拒保,想問:
Q1: 那是否代表其他的保險公司也一定拒保呢? (我在網路上沒找到相關疾病拒保的,
不過有聽說腎結石的復發率很高所以保險公司不願意再拒保的說詞)
Q2: 父母沒有存什麼退休金,過去買的醫療險很薄弱,幫他們買實支實付是否有其必要?
(算過這樣為父母還要再支出70萬台幣的總費用)
Q3: 年紀大的族群買哪一家的實支實付比較好呢? 請各位幫忙給點意見
謝謝各位先進 !!!
--
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