限額實支實付和日額醫療險 - 保險

By Anthony
at 2012-03-09T20:25
at 2012-03-09T20:25
Table of Contents
各位板友大家好
經過小弟上篇文章詢問國泰的保單之後
感謝眾多版友的討論指教以及來信
在我研究一些醫療險和實支實付後
我產生了一個很大的疑問
--------------------------
富邦的NHR條約內容如下:
『住院醫療費用保險金』:
『每日病房費用保險金』 給付限額,同一保險事故最高給付日數以365日為限
『加護病房費用保險金』 給付限額,同一保險事故最高給付日數以90日為限
『燒燙傷中心費用保險金』給付限額,同一保險事故最高給付日數以90日為限
『手術費用保險金』 給付限額
『出院在家療養保險金』 給付限額
『手術出院療養保險金』 給付限額
『住院日額補償保險金』。同一保單年度同一次住院給付日數最長以365日為限
*『住院醫療費用保險金』或『住院日額補償保險金』二者擇一給付
--------------------------
這跟日額型的醫療險差別在於
『手術費用保險金』、『出院在家療養保險金』、『手術出院療養保險金』
這三個東西嗎?
因為小弟就字面上來理解,這並沒有完全實支實付啊?(限額)
所以就我的理解:實支實付=限額的日額醫療
這樣對嗎? 請版友幫我解惑一下,感激不盡
--
經過小弟上篇文章詢問國泰的保單之後
感謝眾多版友的討論指教以及來信
在我研究一些醫療險和實支實付後
我產生了一個很大的疑問
--------------------------
富邦的NHR條約內容如下:
『住院醫療費用保險金』:
『每日病房費用保險金』 給付限額,同一保險事故最高給付日數以365日為限
『加護病房費用保險金』 給付限額,同一保險事故最高給付日數以90日為限
『燒燙傷中心費用保險金』給付限額,同一保險事故最高給付日數以90日為限
『手術費用保險金』 給付限額
『出院在家療養保險金』 給付限額
『手術出院療養保險金』 給付限額
『住院日額補償保險金』。同一保單年度同一次住院給付日數最長以365日為限
*『住院醫療費用保險金』或『住院日額補償保險金』二者擇一給付
--------------------------
這跟日額型的醫療險差別在於
『手術費用保險金』、『出院在家療養保險金』、『手術出院療養保險金』
這三個東西嗎?
因為小弟就字面上來理解,這並沒有完全實支實付啊?(限額)
所以就我的理解:實支實付=限額的日額醫療
這樣對嗎? 請版友幫我解惑一下,感激不盡
--
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