性 別:女
年 齡:29歲(70年次)
職 業:法律相關
月 薪:6萬
婚 姻:未婚
(一)目前已有保障
僅勞、健保
(二)欲規劃保障、建議書、規畫目的與問題
這是我第一次買保險,和保險業務員談過後,他為我規劃的每年保費為85,000多,
遠遠超過我的預算(2-3萬/年),但是聽他介紹,又似乎每項都有需要,
所以不知如何取捨,想請問大家建議。
以下為保險業務員擬定之保險計畫:
險 種 投保金額 保費
南山人壽康祥一生終身保險 100萬元 31,700
住院醫療保險附約 20計畫數 5,186
住院費用給付保險附約 1,000元 1,770
特定傷病終身健康保險附約 70萬元 7,210
新手術醫療保險附約 3,000元 3,780
護您久久癌症醫療終身健康保險附約 2單位 9,920
意外骨折及特定手術傷害保險金附約 100萬元 3,700
傷害保險附約 100萬元 3,700
新人身意外傷害保險附約 300萬元 3,510
新傷害醫療保險金附加條款 5萬元 1,225
意外傷害醫療日額給付附加條款 1,000元 540
新終身醫療保險 1,000元 13,260
合 計 85,501元/年
請問上述保險內容,有哪些重複,或者不需投保這麼高的金額、單位?
或者可以建議先保哪幾種,有基本的保障,其他等日後經濟能力可以負擔再保?
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◆ From: 220.138.42.6
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