看完此文 還是會買終身醫療險的請舉手! - 理財

By Ursula
at 2010-02-24T23:43
at 2010-02-24T23:43
Table of Contents
南山 南山人壽終身醫療健康保險附約
https://www.nanshanlife.com.tw/eservice/file/PPD/pa274.pdf 官網
http://dl.dropbox.com/u/476056/Insurance/pa274.pdf 備份
以30歲男 1000日額 年繳10470 20年期
機會成本3%
保單內容:
未增值
1. 90天內住院理賠1000,91天開始理賠2000
2. 出院療養金=1000*0.5*住院天數
3. 90天以內,住院日額加總=1500
91天開始,住院日額加總=2500
增值50%
1. 90天內住院理賠1500,91天開始理賠3000
2. 出院療養金=1000*0.5*住院天數*1.5
3. 90天以內,住院日額加總=2250
4. 91天開始,住院日額加總=3750
A:不連續住院且無增值的住院天數
B:連續住院且無增值的住院天數 (考慮90天以後理賠加倍)
C:連續住院且享增值50%(考慮90天以後理賠加倍)
1.
該男於50歲初時
總繳保費終值為28萬9千 相當於A=193天 B=152天 C=113天
也就是說如果前面六年都沒理賠的話可以享有50%的增值,也要連續住超過133天,
才可以將保費賺回來!
2.
該男於75歲初時
總繳保費終值為62萬4千 相當於A=417天 B=286天 C=203天
也就是說如果前面六年都沒理賠的話可以享有50%的增值,也要連續住超過203天,
才可以將保費賺回來!
萬一沒有增值,連續住院也要超過286天才可以把保費賺回來!
萬一沒有連續住院,也就是沒有增值,那你要住上417天,大約是一年又一季!
Q & A
1. 3%複利會不會太高了?
大家想想,如果你投資一棟房子,
20年或者是50年內都不能解約,
而且還不能在會計帳目裡記入資產(沒有保單價值金),
不小心房子還會化為烏有(保單失效),
要求3%的投報率會很過分嗎?
2. 保險業務都跟我說,定期險75歲以後就沒保障了,終身險買了一生都有保障不是嗎?
拿你自己的錢來保你,這樣的保障你放心嗎?
名字為安心保買了就真的會安心嗎?
3. 如果規劃定期險,75歲以後的保障怎麼辦?
這可能要看保險公司以後怎麼設計保單,
事實上定期險一直買到75歲的費用
也是非常驚人的,但是真的可以活到75歲嗎?
先顧好明天的保障、多儲蓄才是唯一正解吧!
4. 保險怎麼會用賺來解釋呢? 保險是互助.....
75歲的時候你繳的保險金價值已經到達62萬,相當於住院203天~417天,
也就是說在這個住院天數之內,保險公司完全不需要挪用其他人的錢來賠你。
保險的功用當然是互助,當你給保險公司一筆保險費,
結果出事的時候只是把保險費還給你,請問是互助在哪裡呢?
5. a.20年保費費繳完以後才住院,問題是若真的能確知啥時住院,
也不需要保險這項理財了不是嗎?
b.如果75 歲以前都不會生病住院的話 那根本就不需要保險了?
EXCEL檔都有把每個年齡的保險費支出終值與住院理賠天數做對價,
並不是我只預設75歲或50歲會發生住院理賠,
而是50歲到70歲的區間,
事實上50歲~75歲也是住院理賠最容易發生的區間,
請問該保單可以在我們最需要保障的時候提供多少保障呢?
還是只是拿自己繳的保費賠給自己呢?
當然或許有人從年輕到老都有發生住院的機會,畢竟意外無所不在,
如果真的要算細算數字會更複雜,取各年齡的極端值還是有參考價值的,
回到原問題,
這樣的保障倍數你真的滿意嗎?
讓數字說話,請你的保險業務先閉上嘴巴吧!
=======================
這種穩賺不賠的保單,難怪會人手一張...
附上excel檔 麻煩大家來勘誤
http://0rz.tw/6KBn8
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