Re: [險種] 30歲-女-三商既有保單檢視
醫療險沒有所謂好不好...
簡單來說,定期一年一約制的醫療險就像租的,
而終身醫療就像買的,租的醫療險它的費率是會隨著年齡調漲,
而重點是只能買到65-70歲,
你想人在年老時是最容易生病的時候,
但那時郤沒有保障了.
那買的醫療險,
只要繳20年就可以保障終身.費率也是平準化,
那其他的內容就更不用說了..
身故時退還所繳保費加計利息等等..都遠比定期的好,
當然終身醫療愈早買愈好因為保費較便宜..
所以就依自己的預算、經濟能力來規劃
那我簡單看了你的保單內容,
妳並無規劃重大疾病這部份,住院日額也稍不足
其實重大疾病險就有包括癌症等七大重症,
癌症險可以不用另規劃,住院日額意外2500/天.
疾病只有1500/天可以用附約做補足.
還有壽險的部份並沒有規劃到,
其實保險最主要看人生的四大難題:
收入中斷. 活太短. 殘廢長年病. 活太長.
最在意的問題去做規劃唷.
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