重大疾病險 終身 vs 定期 - 保險
By Daniel
at 2011-07-28T22:51
at 2011-07-28T22:51
Table of Contents
最近在看這項商品: 重大疾病險
終身重大疾病險:
30歲男，年繳約12000，20年期繳滿變終身保障，保額50萬
我的問題來了，先不管通貨膨脹率/利率，
12000 * 20年 = 24萬元 (總繳保費)
20年後，真的患了重大疾病...保險公司理賠 50萬元
感覺很不值得...
以統計期望值理論來算的話:
沒生病的機率*總保費 + 生病機率(假設10%)*(理賠金額-總保費)
= 0.9* (-24萬) + 0.1*30萬= -18.6萬元...最後期望值還是花了18.6萬
深深感覺付了24萬，最後卻只拿到50萬，實在划不來....
如果說只是為了保障人生前面20年罹患重大疾病，那還不如去購買定期重大疾病險，
50歲以前，定期年繳保費絕對低於1萬元，而省下來的保費，拿去投資累積財富...
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Tags:
保險
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