高額意外險怎麼保、指示用藥與處方藥vs標靶藥物 - 保險

By Jacky
at 2013-08-08T10:39
at 2013-08-08T10:39
Table of Contents
前一陣子被保險業務煩過...
搞得我專程跑來ptt註冊看保險板,外加買了平民保險王來看...
經過一個多月的閱讀、試算,算是初步了解一些了...
在此有些問題想請教..
1.經過自己試算,自36歲至76歲(男性平均死亡年齡)粗估需要1700萬的意外險。
想請問該怎麼保才能提高到如此的保額?
是可以跟同一家談(例如華南),還是必須分幾家保?
2.實支實付醫療險條款中的「醫師指示用藥」與「處方藥」有什麼差異?
主要是考量標靶藥物會被歸類到哪個種類...
3.我該怎麼要求該保險員的公司,禁止濫用我的個人資料?
自從留了電話給他又「不保」了之後,我就開始會接到一堆莫名其妙的line廣告...
現在已經很想叫周遭的人去換掉北山的保險了....
我本身沒有家族病史,僅父親、舅舅因肝硬化過世(皆為長年酗酒)...
而我本身雖會喝酒,但是沒必要也不喝,想來應該也不會...
其他的,母親甲狀腺有動過手術,兄長甲狀腺指數似乎也是過高...
這部份我就不知道我會不會中獎了...XD
嘛..其實都是保費考量...
法巴、富邦、安聯等重疾、癌症險等真的到了或許該準備的時候..
那個價位已經不是那麼容易承受的了...Orz
再加上曾爬文看到過一個案例,半年標靶藥物需要120萬..
而法巴所給付的100萬..
也只能讓你能省下不到半年的費用...
這讓我想到能不能用實支去加減 cover 標靶藥物的費用?
曾在 mobile01 看到有人加保 3-4 實支,預想就是用來補貼標靶費用...
也因此才會有對「醫師指示用藥」、「處方藥」等名詞的定義疑慮...
我知道中信是不用考慮了,光條款第五條一句「在醫院使用之...」就被打槍了...
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