新生兒保險請教 - 保險
By Robert
at 2014-03-02T00:16
at 2014-03-02T00:16
Table of Contents
正因為台灣人大多數的心態是
把保險當成一種投資
而非一種消耗品
買了就想要保障終身
買了沒用到就覺得浪費
想把錢拿回來
才造就了終身型醫療和還本型醫療的浮濫
以及高保費低保障的現狀
真要說起來
保險並不是必要的
這世界上仍有許多人身上是完全沒有任何保險
還不是可以過得好好的
端看每個人對於風險的承受度、責任多寡
或是希不希望擁有更好的醫療品質罷了
而你所提到的「賭輸健康卻又沒拿到值得補償生活的錢」
終身型醫療和還本型醫療正是其中的罪魁禍首
誠如推文中的letos大所說
小孩基本的保障用定期險規劃(最低終壽、意外險、醫療實支、重大疾病)
年繳保費就是差不多一萬元
和你所買的終身型醫療相比就足足差了兩萬元
保障還高出非常多
單就繳費期間而言
20年20萬的高保障 VS 20年60萬的低保障
誰勝誰負已經相當明顯了
而定期險可以確保在孩子的成長階段
除了能有較好的保障
還能享有更好的生活品質或是學習資源(因為父母親花的保費少)
而在他們出社會之後
可以選擇延用父母親當初幫他們購買的保險
或是重新規劃一份屬於自己的保險
這才是保險的真諦
而不是買了保險卻先讓自己的荷包不保
好好思考一下吧
※ 引述《cfgha (特吉拉日出)》之銘言:
: ※ 引述《cfgha (特吉拉日出)》之銘言:
: : 請教各位板大
: : 關於新生兒保單是終身醫療加上終身防癌加上意外傷害險一年大約是3萬元左右
: : 住院日額是4800左右
: : 我請教過業務
: : 我買的保險大約是20年60萬 假設是35年後初次得癌症住院15天加上後續的治療
: : 約理賠13萬左右 再加上假設又得到不同器官大約理賠10萬左右
: : 已經得到了2次重大疾病影響生活的事情 卻拿到約23萬~30萬的金額
: : 最大風險已經抓進去了 卻拿60萬的金額去保險的意義是???
: : 還是現在保單不比以前的保障少數 不如存定存???
: 原則上保險公司是莊家沒錯 賭徒買門票(保費)進場 只有2種結果 一種是保費門票
: 入場沒有理賠 得到健康 一種是輸了健康的人 只好拿到值得補償生活的金錢 其實
: 都是希望自己賭輸金錢得到健康的 但如果賭輸健康 又沒拿到值得補償生活的錢這樣
: 就怪怪的了~
: 補充一點 我自己是相當認同保險的人] 因為自己就是保險受益人 得過病的
: 但時空背景不一樣
: 但現在很小幫小孩買份保障 發現價值不如以往
: 想請教各位板大有無近期有因保單而得到保障生活的案例
: 我需要實際案例跟數據去思考保單價直跟內容
: 謝謝大家
--
把保險當成一種投資
而非一種消耗品
買了就想要保障終身
買了沒用到就覺得浪費
想把錢拿回來
才造就了終身型醫療和還本型醫療的浮濫
以及高保費低保障的現狀
真要說起來
保險並不是必要的
這世界上仍有許多人身上是完全沒有任何保險
還不是可以過得好好的
端看每個人對於風險的承受度、責任多寡
或是希不希望擁有更好的醫療品質罷了
而你所提到的「賭輸健康卻又沒拿到值得補償生活的錢」
終身型醫療和還本型醫療正是其中的罪魁禍首
誠如推文中的letos大所說
小孩基本的保障用定期險規劃(最低終壽、意外險、醫療實支、重大疾病)
年繳保費就是差不多一萬元
和你所買的終身型醫療相比就足足差了兩萬元
保障還高出非常多
單就繳費期間而言
20年20萬的高保障 VS 20年60萬的低保障
誰勝誰負已經相當明顯了
而定期險可以確保在孩子的成長階段
除了能有較好的保障
還能享有更好的生活品質或是學習資源(因為父母親花的保費少)
而在他們出社會之後
可以選擇延用父母親當初幫他們購買的保險
或是重新規劃一份屬於自己的保險
這才是保險的真諦
而不是買了保險卻先讓自己的荷包不保
好好思考一下吧
※ 引述《cfgha (特吉拉日出)》之銘言:
: ※ 引述《cfgha (特吉拉日出)》之銘言:
: : 請教各位板大
: : 關於新生兒保單是終身醫療加上終身防癌加上意外傷害險一年大約是3萬元左右
: : 住院日額是4800左右
: : 我請教過業務
: : 我買的保險大約是20年60萬 假設是35年後初次得癌症住院15天加上後續的治療
: : 約理賠13萬左右 再加上假設又得到不同器官大約理賠10萬左右
: : 已經得到了2次重大疾病影響生活的事情 卻拿到約23萬~30萬的金額
: : 最大風險已經抓進去了 卻拿60萬的金額去保險的意義是???
: : 還是現在保單不比以前的保障少數 不如存定存???
: 原則上保險公司是莊家沒錯 賭徒買門票(保費)進場 只有2種結果 一種是保費門票
: 入場沒有理賠 得到健康 一種是輸了健康的人 只好拿到值得補償生活的金錢 其實
: 都是希望自己賭輸金錢得到健康的 但如果賭輸健康 又沒拿到值得補償生活的錢這樣
: 就怪怪的了~
: 補充一點 我自己是相當認同保險的人] 因為自己就是保險受益人 得過病的
: 但時空背景不一樣
: 但現在很小幫小孩買份保障 發現價值不如以往
: 想請教各位板大有無近期有因保單而得到保障生活的案例
: 我需要實際案例跟數據去思考保單價直跟內容
: 謝謝大家
--
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