[規劃] 60歲夫妻富邦實支實付
爹娘都剛滿60歲,最近幫他們整理保單,發現優秀的親戚
各弄了兩個終身日額,卻沒有半張實支實付~ 所以爬文後規劃下面計畫
主約:富邦新終壽 10萬 20年 被保險人:我爹(男,60歲)
附約: NHR 15單位 被保險人:我爹
HSB or HSC 被保險人:我娘(女,60歲)
幫父親用NHR是因為HSRN保費男女有別,而且我爺爺當初有大腸癌病史
住院時間還蠻長的,所以用NHR拉高手術跟住院的額度~
幫母親用HSRN是因為母親年輕時曾有腎結石病史,雖然爬文知道NHR有
超音波碎石的給付,但畢竟是通融理賠,寧可用HSRN來作為保障,而且HSRN
不因主約被保險人死亡而無法續保。
想請問:可以這樣出單嗎? 還是母親也要另外有張新終壽當主約?
P.S. 最近順便查了一下高醫高榮的雙人病床差額,NHR 15單位還夠,
再加上兩個已經繳了13年的終身日額,要住到單人床也都足以cover。
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