雙實支討論-富邦+中信v.s遠雄+中壽 - 保險
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By Skylar DavisLinda
at 2012-08-11T23:32
at 2012-08-11T23:32
Table of Contents
最近在板上看到很火熱的討論
也是我相當有興趣的
就是雙實支實付第一家搭第二家該以何種組合為優
因為小弟最近有想規劃雙實支的保險
而在遠雄+中壽和富邦+中信間遲遲無法決定
為什麼選用中信而非版上常見的全球
是因為想讓兩家實支的雜費額度不要相差太大,來取得較佳效果
是故以不討論主約終身壽險為前提,30歲健康體的保費條款來比較如下
富邦NHR+中信HNRB 遠雄RSJ+中壽NCH
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單位 20單位 計劃二 2計劃 30單位
保費(年繳) 4459+3667 5100+6181
月雜費上限 29.6萬 30萬
醫療日額 5020 6200
外科手術上限 89.5萬 95萬
門診手術 中信有(多住院前後門診理賠) 遠雄有
條款寫法 列舉式+概括式 概括式+概括式
從這裡可以看到
若以同等雜費上限約30萬的單位來看
30歲時遠雄加中壽的組合會比富邦+中信的組合貴3155元
60歲時遠雄加中壽的組合會比富邦+中信的組合貴3684元
遠雄+中壽組合的優點是兩險的條款都是較寬鬆的概括式,對保戶較有利
另外就是這個組合的日額和手術理賠金都較高(外科手術每次上限高很多)
而缺點是費用高約3000多元,而多的這些錢甚至可以讓富邦+中信組合拿去買全球
還有就是板上提到的遠雄和中壽核保較嚴謹,理賠會嗎?
因此在這裡想請教板上很多專業的大大
遠雄+中壽和富邦+中信組合倒底您認為哪一組較為超值?
遠雄+中壽概括式和高日額.手術費用的優點是否值得多花3000多元?
請板友大大們給我意見
也請大家理性不要戰佣金部分,我們單純看保單條款和理賠容易度
謝謝大家
--
All Comments
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at 2012-08-16T11:34
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at 2012-08-17T03:38
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at 2012-08-22T00:39
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at 2012-08-25T19:48
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at 2012-08-27T07:46
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By Delia
at 2012-08-31T00:03
at 2012-08-31T00:03
有經代通路代理 若無代理 又一定要二擇一 那你就只
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at 2012-09-12T07:55
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at 2012-09-17T01:20
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By Andy
at 2012-09-19T19:44
at 2012-09-19T19:44
取後才又多開放HNRB給我們代理 不然原本是沒得賣的
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at 2012-09-23T05:55
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at 2012-09-26T21:43
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at 2012-09-29T04:51
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By Jack
at 2012-10-01T20:01
at 2012-10-01T20:01
遠雄豁免不依比例退費而被保戶幹譙
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at 2012-10-15T01:12
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at 2012-10-19T01:58
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By Leila
at 2012-10-23T03:54
at 2012-10-23T03:54
不過一般不會買這張就是
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at 2012-10-29T17:01
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at 2012-11-08T01:25
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at 2012-11-12T01:02
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at 2012-11-13T05:26
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By James
at 2012-11-16T13:11
at 2012-11-16T13:11
不知道哪個組合比較優
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at 2012-11-20T07:40
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at 2012-11-21T10:56
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at 2012-11-21T14:44
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at 2012-11-22T05:45
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at 2012-11-25T06:39
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at 2012-11-26T23:54
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at 2012-11-29T21:33
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at 2012-12-01T08:19
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at 2012-12-02T08:29
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at 2012-12-02T12:33
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at 2012-12-05T11:56
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at 2012-12-07T07:03
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at 2012-12-10T02:09
at 2012-12-10T02:09
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at 2012-12-10T11:39
at 2012-12-10T11:39
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By Skylar Davis
at 2012-12-13T17:00
at 2012-12-13T17:00
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at 2012-12-15T10:08
at 2012-12-15T10:08
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By Kristin
at 2012-12-19T12:56
at 2012-12-19T12:56
可惜我沒有 哈哈~我只好買全球
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By Suhail Hany
at 2012-12-22T20:12
at 2012-12-22T20:12
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By Edith
at 2012-12-25T17:28
at 2012-12-25T17:28
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By Yuri
at 2012-12-29T04:06
at 2012-12-29T04:06
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By Audriana
at 2012-12-29T12:51
at 2012-12-29T12:51
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By Joe
at 2012-12-31T20:47
at 2012-12-31T20:47
診雜費太低
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By Jake
at 2013-01-04T14:27
at 2013-01-04T14:27
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By Joseph
at 2013-01-09T04:42
at 2013-01-09T04:42
可以接受風險自留,那就不需擔心門診手術雜費的問題了
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By Barb Cronin
at 2013-01-14T04:38
at 2013-01-14T04:38
雜費額度不要相差太大,來取得較佳效果<--意思是?
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By Odelette
at 2013-01-15T16:43
at 2013-01-15T16:43
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By Yuri
at 2013-01-16T13:27
at 2013-01-16T13:27
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By Steve
at 2013-01-18T19:54
at 2013-01-18T19:54
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By Leila
at 2013-01-23T10:03
at 2013-01-23T10:03
為何業務都愛賣實支醫療 不太賣傷害險?
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By Ingrid
at 2013-01-26T20:07
at 2013-01-26T20:07
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By Ivy
at 2013-01-28T14:20
at 2013-01-28T14:20
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By Queena
at 2013-02-02T05:15
at 2013-02-02T05:15
有買實支的可是很少
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By Brianna
at 2013-02-07T00:37
at 2013-02-07T00:37
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By Cara
at 2013-02-10T18:32
at 2013-02-10T18:32
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By Lily
at 2013-02-14T17:35
at 2013-02-14T17:35
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By Carol
at 2013-02-17T18:08
at 2013-02-17T18:08
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By Olive
at 2013-02-19T11:23
at 2013-02-19T11:23
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By Poppy
at 2013-02-20T17:06
at 2013-02-20T17:06
又,續期的佣金率還有這麼高嗎?
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By Selena
at 2013-02-22T02:35
at 2013-02-22T02:35
到底是因為保險界接觸不深(問題你不是)?還是這版待太久了?zz
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By Zora
at 2013-02-25T13:26
at 2013-02-25T13:26
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By Frederica
at 2013-02-27T01:23
at 2013-02-27T01:23
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By Donna
at 2013-03-03T13:15
at 2013-03-03T13:15
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By Jake
at 2013-03-05T00:06
at 2013-03-05T00:06
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By Frederica
at 2013-03-07T01:00
at 2013-03-07T01:00
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By David
at 2013-03-10T20:36
at 2013-03-10T20:36
若要門診手術雜費與出院後兩周藥物領取,個人會偏向
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By Steve
at 2013-03-12T07:09
at 2013-03-12T07:09
再者對業務而言 賣多實支你真的能夠每張都抽到佣嗎?不一定耶.
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By Donna
at 2013-03-16T04:22
at 2013-03-16T04:22
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By Elma
at 2013-03-20T05:36
at 2013-03-20T05:36
0件的傭了,若連這樣都要挑惕,到底賣實支的業務要如何
生存?
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By Sandy
at 2013-03-23T18:39
at 2013-03-23T18:39
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By Carol
at 2013-03-25T10:13
at 2013-03-25T10:13
是真的可以安心依條款拿,似乎討論不多
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By Lauren
at 2013-03-26T14:59
at 2013-03-26T14:59
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By Barb Cronin
at 2013-03-27T03:07
at 2013-03-27T03:07
來是幾個人可以等?
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By Rae
at 2013-03-31T00:16
at 2013-03-31T00:16
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By Kristin
at 2013-04-04T16:55
at 2013-04-04T16:55
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By Belly
at 2013-04-07T20:49
at 2013-04-07T20:49
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By Elizabeth
at 2013-04-09T07:18
at 2013-04-09T07:18
不要講那種似是而非的觀念好嗎?一般消費者看到會怎麼看待...
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By Suhail Hany
at 2013-04-09T18:28
at 2013-04-09T18:28
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By Lucy
at 2013-04-13T22:48
at 2013-04-13T22:48
。
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By Hazel
at 2013-04-16T20:39
at 2013-04-16T20:39
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By Christine
at 2013-04-20T13:58
at 2013-04-20T13:58
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By Frederic
at 2013-04-22T14:48
at 2013-04-22T14:48
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By Hedwig
at 2013-04-24T16:58
at 2013-04-24T16:58
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By Kama
at 2013-04-25T20:26
at 2013-04-25T20:26
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By Iris
at 2013-04-30T01:03
at 2013-04-30T01:03
問題在於保德信主約要五十萬壽險Orz
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By Anonymous
at 2013-05-03T12:50
at 2013-05-03T12:50
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By Emma
at 2013-05-07T12:20
at 2013-05-07T12:20
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By Ingrid
at 2013-05-09T17:42
at 2013-05-09T17:42
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By Joe
at 2013-05-11T11:47
at 2013-05-11T11:47
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By Regina
at 2013-05-13T14:53
at 2013-05-13T14:53
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By Elma
at 2013-05-15T17:08
at 2013-05-15T17:08
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By Ina
at 2013-05-20T01:25
at 2013-05-20T01:25
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By Victoria
at 2013-05-20T13:37
at 2013-05-20T13:37
還比遠雄2計劃+中國30單位便宜
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By Dorothy
at 2013-05-22T02:17
at 2013-05-22T02:17
全球三實支,因為國寶小朋友太便宜了XDDD
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By Candice
at 2013-05-22T19:34
at 2013-05-22T19:34
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By Todd Johnson
at 2013-05-26T18:06
at 2013-05-26T18:06
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By Lauren
at 2013-05-31T15:39
at 2013-05-31T15:39
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By Heather
at 2013-06-05T07:55
at 2013-06-05T07:55
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By Puput
at 2013-06-05T19:57
at 2013-06-05T19:57
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By Jacky
at 2013-06-07T10:02
at 2013-06-07T10:02
1到2單位,因為全球計畫三到四只增加5000雜費
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By Zenobia
at 2013-06-11T00:43
at 2013-06-11T00:43
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By Sarah
at 2013-06-12T21:05
at 2013-06-12T21:05
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By Megan
at 2013-06-13T03:10
at 2013-06-13T03:10
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By Doris
at 2013-06-15T03:15
at 2013-06-15T03:15
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By Aaliyah
at 2013-06-18T10:57
at 2013-06-18T10:57
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By Andrew
at 2013-06-21T22:46
at 2013-06-21T22:46
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By Hardy
at 2013-06-24T22:03
at 2013-06-24T22:03
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By Olivia
at 2013-06-27T20:53
at 2013-06-27T20:53
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By Eden
at 2013-07-01T14:14
at 2013-07-01T14:14
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By Delia
at 2013-07-04T00:56
at 2013-07-04T00:56
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By Jacky
at 2013-07-04T07:20
at 2013-07-04T07:20
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By Una
at 2013-07-05T04:13
at 2013-07-05T04:13
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By Edward Lewis
at 2013-07-08T13:40
at 2013-07-08T13:40
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By Hamiltion
at 2013-07-10T01:03
at 2013-07-10T01:03
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By Ingrid
at 2013-07-12T09:54
at 2013-07-12T09:54
且合計不能超過年收入的1/120 例如若年收入是60萬
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By Steve
at 2013-07-14T02:20
at 2013-07-14T02:20
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By Mason
at 2013-07-15T15:51
at 2013-07-15T15:51
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By Annie
at 2013-07-16T20:40
at 2013-07-16T20:40
Related Posts
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at 2012-08-11T19:37
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術語&迷失
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at 2012-08-11T15:49
at 2012-08-11T15:49
請問公司的團體保險?
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By Yuri
at 2012-08-11T14:30
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國內理財書籍
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By Zanna
at 2012-08-11T08:40
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By George
at 2012-08-11T00:37
at 2012-08-11T00:37