殘扶險請教 台壽YOA & 全球XFI - 保險
By Susan
at 2018-04-23T23:42
at 2018-04-23T23:42
Table of Contents
想請教各位關於 定期的殘扶險
台灣人壽YOA 和全球XFI
兩者都是定期用來拉高1-6級殘的每月殘扶金
以35幾歲的年齡來看
台灣可以保到69歲
全球可以保30年到65歲
以保額3萬來算兩者總保費差到3倍多(28萬 VS 8.5萬)
想請問台壽的優點是什麼?
是殘扶金保證給付180個月,且可以給給付到75歲
這樣是說如果殘廢領了幾年後掛掉,沒領完的殘扶金可以給受益人?是嗎?
而全球只保證給付60個月,且只付到合約期(30年內)
但是多了1-6級的一次提領殘扶金36萬
又去了解了一下發現
以最重要的經濟支柱中壯年來說發生殘廢後的平均壽命都還有20年左右
所以大多是都會把保證給付的額度用完
這樣看來台灣和全球最大的差異在於給付期限75歲 VS 30年
再以男性平均年齡77歲和過世前平均臥床7年來看
或許台壽會比全球多領7-8年的殘扶金
不知道我的理解有沒有錯誤
謝謝
感謝大家的討論
經由大家的討論和前輩的解說
XFI 保費低保障期短(30年)的特性,適合拿來保障中壯年時期的家庭責任需求
YOA 較長的保險期(續保69歲,理賠至75),適合搭配終生殘扶規劃做照護費用的保障。
兩者搭配,端看每個人風險分散的規劃
--
台灣人壽YOA 和全球XFI
兩者都是定期用來拉高1-6級殘的每月殘扶金
以35幾歲的年齡來看
台灣可以保到69歲
全球可以保30年到65歲
以保額3萬來算兩者總保費差到3倍多(28萬 VS 8.5萬)
想請問台壽的優點是什麼?
是殘扶金保證給付180個月,且可以給給付到75歲
這樣是說如果殘廢領了幾年後掛掉,沒領完的殘扶金可以給受益人?是嗎?
而全球只保證給付60個月,且只付到合約期(30年內)
但是多了1-6級的一次提領殘扶金36萬
又去了解了一下發現
以最重要的經濟支柱中壯年來說發生殘廢後的平均壽命都還有20年左右
所以大多是都會把保證給付的額度用完
這樣看來台灣和全球最大的差異在於給付期限75歲 VS 30年
再以男性平均年齡77歲和過世前平均臥床7年來看
或許台壽會比全球多領7-8年的殘扶金
不知道我的理解有沒有錯誤
謝謝
感謝大家的討論
經由大家的討論和前輩的解說
XFI 保費低保障期短(30年)的特性,適合拿來保障中壯年時期的家庭責任需求
YOA 較長的保險期(續保69歲,理賠至75),適合搭配終生殘扶規劃做照護費用的保障。
兩者搭配,端看每個人風險分散的規劃
--
Tags:
保險
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