[問題] 關於中國人壽AHSR"手術費用保險金限額" …
上禮拜,因甲狀舌骨囊腫去醫院手術+住院三天
由於我的保險是最基本的(年繳型,非終身)
其內容為
AHSR
每日病房費用 一般病房 1,000元
每日病房費用 加護病房 2,000元
手術費用保險金限額 50,000元
住院醫療費用保險金限額:住院30日以下 30,000元
.
.
.
住院前後門診醫療費用保險金限額 500元
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之前有問了我的保險員,他說我這個手術費用表給付比例是25%
我也看了保單後面的手術名稱費用比例表,最多還有到300%
但,這次手術,手術方面的費用,都是由健保支付
保險員說,那些手術費用保險金,是要實際自己有支出那些費用,才有理賠
他說,我的保險金有住院一天1000元,若自己實支實付費用大於住院保險金
則以實支實付理賠為主
因住的是健保房,所以我出院負擔的費用,僅2500多
所以保險僅理賠我住院三天...3000元
那...想請教
現在已經有全民健保了,幾乎大部分的疾病手術費用都由健保支付
就算是健保有部分負擔,自己負擔的費用應該也不多
那麼....
商業保險的"手術費用保險金"的存在有何意義呢??
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◆ From: 219.86.98.1
※ 編輯: we27 來自: 219.86.98.1 (05/01 17:29)
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