長看險與殘廢險的保障差異?! - 保險
By Carol
at 2014-03-18T12:07
at 2014-03-18T12:07
Table of Contents
大家好:
想請問一下,假若就下列的長看與殘扶金的保障範圍來看,有沒有那些狀況是…
1) 長看險賠,但殘扶金不賠
2) 殘扶金賠,但長看險不賠
長看險:
下列二項其中之一:
1) 無他人協助無法執行下列三項以上:起床、走動、進食、沐浴、穿脫、如廁
2) 器質性痴呆:對時間、人物、地點三項中有二項無法分辨
殘扶金:
依殘廢等級表,符合1~6級殘即可理賠。
目前2) 我想到就是截肢的狀況,但1)我想不太到,比較有爭議的是,
阿茲罕默症算是「神經障害」方面的殘障嗎?還是不算?
若是後者,那可能就是1),不過感覺又不合理,因為就神經障害的條款來看…
「中樞神經系統機能遺存極度障害,終身不能從事任何工作,
經常需醫療護理或專人周密照護者。」
感覺是符合的?
問了幾間保險公司的理賠科/客服,說要看當下的醫師診斷證明才能判斷,請問
各位有沒有什麼實務上的經驗分享呢?謝謝大家!!
--
想請問一下,假若就下列的長看與殘扶金的保障範圍來看,有沒有那些狀況是…
1) 長看險賠,但殘扶金不賠
2) 殘扶金賠,但長看險不賠
長看險:
下列二項其中之一:
1) 無他人協助無法執行下列三項以上:起床、走動、進食、沐浴、穿脫、如廁
2) 器質性痴呆:對時間、人物、地點三項中有二項無法分辨
殘扶金:
依殘廢等級表,符合1~6級殘即可理賠。
目前2) 我想到就是截肢的狀況,但1)我想不太到,比較有爭議的是,
阿茲罕默症算是「神經障害」方面的殘障嗎?還是不算?
若是後者,那可能就是1),不過感覺又不合理,因為就神經障害的條款來看…
「中樞神經系統機能遺存極度障害,終身不能從事任何工作,
經常需醫療護理或專人周密照護者。」
感覺是符合的?
問了幾間保險公司的理賠科/客服,說要看當下的醫師診斷證明才能判斷,請問
各位有沒有什麼實務上的經驗分享呢?謝謝大家!!
--
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保險
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