有關終身殘扶險的疑問... - 保險
By Barb Cronin
at 2015-04-22T13:38
at 2015-04-22T13:38
Table of Contents
34Y/男
最近一直考慮要不要買終身殘扶險
有業務說這是新商品搶市,費率偏低,跟早期癌症險一樣費率一定會愈調越高...
另外越年輕保費越低,因此建議現階段可以考慮投保...
也有業務說,殘廢等級表會修訂,有利被保險人,因此建議買定期殘扶險就好...
這兩種說法都正確嗎?
另外,想詢問一下若不幸罹癌確診後,在治療期間是否可以去申請殘廢等級?
還是必須等療程完畢被醫生宣判沒救才能申請?
亦或癌症是很難從殘扶險中獲得給付...
在殘廢等級表內是這樣寫的:
第三級:胸腹部臟器機能遺存顯著障害，終身不能從事任何工作，但日常生活尚可自理者。
第七級:胸腹部臟器機能遺存顯著障害，終身祇能從事輕便工作者。
謝謝各位高手了~
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