我與家人的保險重新審視 - 保險

By Charlie
at 2013-08-13T00:39
at 2013-08-13T00:39
Table of Contents
請詳述以下資訊..
一、性別:男
二、年齡:30
三、職業/工作內容:工程師
四、保障需求:適合的保險(抱歉,有講等於沒講)
五、保費預算:目前每年加大兒子約三萬!但現在又多了一個小兒子了
六、健康告知:目前都算健康,每年固定會員工健檢
七、常用交通工具:汽車
八、預計規劃:
1. 自己已繳了五年了終身醫療險,想退掉換成定期醫療!連癌症有終身
的,自己想想當初實在太不專心處理,現在繳保費都是嚇一大跳!
若我真的想換,請問這樣可行嗎?
2. 有兩個兒子,大兒子目前保了公司的團險,但也覺得還不夠,小兒子
也剛出生,但得等年底才能加保公司團險!但想加個實支實付來保障
3. 自己的爸爸54歲,媽媽51歲都和我保一樣內容的保單!也繳了五年,
因為我的緣故,也想要重新審視保單,也就是想退掉終身險的部份,
這樣可行嗎?因為我媽去年才因子宮肌瘤切除,不知道這樣退掉加其
他保險的想法可行嗎?
4. 若我們將享健康的實支實付會取代終身醫療,可行嗎?
九、現有保險:
保險公司:三商美邦
購買時間:96.8
商品名稱 [英文代號] 保額/計畫 期間 保費
_____________________________________________________________________________
二十年繳費安祥終身壽險 (20AWL) 100,000 2,510
意外身故及殘癈保險金 (ADDR) 1,000,000 1,450
每次實支實付傷害醫療保險全限額-無社保(AMRR) 30,000 690
醫療保險金日額(DH1R)
新住院醫療保險金日額 (HSRSC) 計畫C 1,175
二十年繳費永康防癌終身健康保險附約 (20KCRB) 計畫B*2 6,280
二十年繳費日額型住院醫療終身健康保險附約(20H1W) 2,000 12,640
二十年繳費手術醫療終身健康保險附約 (20S1W) 2,000 2,540
二十年安心豁免保險費附約 (20CWPR) 28,000 544
十、預增保險:享健康實支實付保險
保險公司:三商美邦
商品名稱 [英文代號] 保額/計畫 期間 保費
___________________________________________________________________________
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