[討論] 雙實支討論-富邦+中信v.s遠雄+中壽
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
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