防癌 VS 重疾 - 保險

By Jacob
at 2012-07-05T02:16
at 2012-07-05T02:16
Table of Contents
: 寫到這 只是看到版上一些文章後 想到的心得 有誤請指教
: 最後補充 我不是業務也不是保經 我71年次
: 花6000元買安聯DD5可買到400萬左右
: 但要花2萬多只可買到 "上限" 為400萬的防癌險
: 姑且不論防癌險能不能理賠到400萬 光想到要有發生事實才能申請理賠
: 有住院才行 有手術才行 有化療才行...囉哩叭說的
: 咦!標靶藥物呢? 很抱歉 沒辦法賠喔
: 重疾險大器多了 管你他媽的什麼療程 一次400萬一次滿足
比較三個有一次給付癌症的險(重疾部分,條款請自己參考資料,理解理賠難度)做比較
三商JAC(保額100萬) 安聯DD5(保額200萬) 法國巴黎金健康(100萬)
罹患低侵襲癌 先領10萬,保險契約 不給付 不給付
(原位癌 仍持續有效
罹患侵襲癌 第一年罹患給付20萬 400萬 100萬
(一般癌症) 第二年罹患給付40萬
第三~第十三年後罹患給付
103萬~130萬
(給付後,契約終止)
第三年後罹患 第三到十年罹患給付 400萬 100萬
特定癌症 143萬~161萬
增額給付 第11到20年罹患給付
(如子宮頸癌 174萬~180萬
鼻咽癌 第21年後罹患給付
肺癌) 190萬
繳費方式 20年平準化費率 自然保費 自然保費
年繳34,300 30~34歲 共 31300 30~34歲 共 9500
總繳686,000 35~39歲 共 49100 35~39歲 共 16500
繳費至49歲期滿 40~44歲 共 80800 40~44歲 共 29500
45~49歲 共133100 45~49歲 共 49000
30~49歲 共294,300 30~49歲 共104,500
-----------------------------------------
50~54歲 共196600 50~54歲 共 79000
55~59歲 共260600 55~59歲 共101500
60~64歲 共344300 60~64歲 共125500
65~69歲 共537500 65~69歲 共158500
70~74歲 共746100
50~74歲 共2,085,100 50~69歲 共464,500
-----------------------------------------
30~74歲 共2,379,400 30~69歲 共569,000
達75歲仍無 領回總繳保費x1.06 無 無
罹癌 = 727,200
(領回後,契約終止)
身故領回 已繳保費 x 1.06 無 無
-----------------------------------------------------------------------------
小結:安聯DD5和法巴重疾,在39歲以前費率的確便宜很多,尤其是法巴。
而在49歲以前,跟繳費20年的三商JAC相比,也是省了非常多保費。
而為什麼50歲以後,DD5和法巴的費率上升幅度都變得很大,尤其是DD5
,當然你可以說DD5會理賠到400萬,貴也值得。
我只是想表達,每家保險公司都不是慈善機構,費率都經過精算。
你認為在39或49歲以前費率很便宜,低保費高保障很棒,我個人也很認同。
但不論是定期險或終身險的費率,都是以危險發生率+預定利率做計算,
繳費20年的只是把75歲以前的每一年費率,平均到20年中去先繳完,
所以20年繳費的年繳保費比較高,但定期險,在後期費率上升幅度變得很大。
當然,如果你認為,我就是要保障39或49歲以前,大不了50歲以後不要保,
以後我有足夠的錢可以自留風險,我個人真的不會反對。
或者你認為在39或49歲以前,就得癌症,就理賠了,我也不反對,但繳費
20年期的一樣會理賠。
或者你又認為,等到75歲,繳費20年領回的那些錢可能會縮水到五分之一,
我想也是有其可能性,但如果真的縮水到五分之一,定期險費率難道沒有
可能膨脹到三、五倍嗎?
給原PO參考,也歡迎大家指正。謝謝。
--
: 最後補充 我不是業務也不是保經 我71年次
: 花6000元買安聯DD5可買到400萬左右
: 但要花2萬多只可買到 "上限" 為400萬的防癌險
: 姑且不論防癌險能不能理賠到400萬 光想到要有發生事實才能申請理賠
: 有住院才行 有手術才行 有化療才行...囉哩叭說的
: 咦!標靶藥物呢? 很抱歉 沒辦法賠喔
: 重疾險大器多了 管你他媽的什麼療程 一次400萬一次滿足
比較三個有一次給付癌症的險(重疾部分,條款請自己參考資料,理解理賠難度)做比較
三商JAC(保額100萬) 安聯DD5(保額200萬) 法國巴黎金健康(100萬)
罹患低侵襲癌 先領10萬,保險契約 不給付 不給付
(原位癌 仍持續有效
罹患侵襲癌 第一年罹患給付20萬 400萬 100萬
(一般癌症) 第二年罹患給付40萬
第三~第十三年後罹患給付
103萬~130萬
(給付後,契約終止)
第三年後罹患 第三到十年罹患給付 400萬 100萬
特定癌症 143萬~161萬
增額給付 第11到20年罹患給付
(如子宮頸癌 174萬~180萬
鼻咽癌 第21年後罹患給付
肺癌) 190萬
繳費方式 20年平準化費率 自然保費 自然保費
年繳34,300 30~34歲 共 31300 30~34歲 共 9500
總繳686,000 35~39歲 共 49100 35~39歲 共 16500
繳費至49歲期滿 40~44歲 共 80800 40~44歲 共 29500
45~49歲 共133100 45~49歲 共 49000
30~49歲 共294,300 30~49歲 共104,500
-----------------------------------------
50~54歲 共196600 50~54歲 共 79000
55~59歲 共260600 55~59歲 共101500
60~64歲 共344300 60~64歲 共125500
65~69歲 共537500 65~69歲 共158500
70~74歲 共746100
50~74歲 共2,085,100 50~69歲 共464,500
-----------------------------------------
30~74歲 共2,379,400 30~69歲 共569,000
達75歲仍無 領回總繳保費x1.06 無 無
罹癌 = 727,200
(領回後,契約終止)
身故領回 已繳保費 x 1.06 無 無
-----------------------------------------------------------------------------
小結:安聯DD5和法巴重疾,在39歲以前費率的確便宜很多,尤其是法巴。
而在49歲以前,跟繳費20年的三商JAC相比,也是省了非常多保費。
而為什麼50歲以後,DD5和法巴的費率上升幅度都變得很大,尤其是DD5
,當然你可以說DD5會理賠到400萬,貴也值得。
我只是想表達,每家保險公司都不是慈善機構,費率都經過精算。
你認為在39或49歲以前費率很便宜,低保費高保障很棒,我個人也很認同。
但不論是定期險或終身險的費率,都是以危險發生率+預定利率做計算,
繳費20年的只是把75歲以前的每一年費率,平均到20年中去先繳完,
所以20年繳費的年繳保費比較高,但定期險,在後期費率上升幅度變得很大。
當然,如果你認為,我就是要保障39或49歲以前,大不了50歲以後不要保,
以後我有足夠的錢可以自留風險,我個人真的不會反對。
或者你認為在39或49歲以前,就得癌症,就理賠了,我也不反對,但繳費
20年期的一樣會理賠。
或者你又認為,等到75歲,繳費20年領回的那些錢可能會縮水到五分之一,
我想也是有其可能性,但如果真的縮水到五分之一,定期險費率難道沒有
可能膨脹到三、五倍嗎?
給原PO參考,也歡迎大家指正。謝謝。
--
Tags:
保險
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