[心得] 準保險人要保險心得
因為本人也27歲了,該是準備規劃一番,但是基於之前完全一竅不通,就稍微做一下功課。
終身醫療跟定期醫療主要是未來住院率下降、通貨膨脹、現金流、運用彈性等方面就大概可知優劣,爬文就有很多資訊。
終身手術跟定期手術就跟上術差不多,隨著醫療手術技術的進步,理賠項目可能減少
終身壽險跟定期壽險差別在於假設以200萬來說,終身壽險的保費可能高的嚇人,但定期壽險會隨著年輕提高而保費也跟著提高,但壽險主要是針對走後不給親人負擔,通常是有房貸等債務的人特別需要,但如果每年有存款加上房貸會持續減少,到了老年也許沒經濟負擔就不太需要壽險。
意外險方面大多都無保證續保,用產險會相較來的便宜。
保單內容項目幾十款,對於不懂保險的人或許覺得都很需要,但是保險以我的想法是有問題時不需要多額外的一筆支出,而不是多住院多手術多賺錢,也許住院的理賠金<每年需繳的保費,在這條件下,是不是繳費越少越有效應?
而現在醫療雜費支出佔較高的比例,所以實支實付這項就變的重要多了,相信很多懂得人都會選擇雙實支實付,我想這主要是要應付雜費的支出跟cover日額或手術的補助吧!
個人是覺得保險是要避免增加支出,而不是要增加收入的一種工具!
以上為踏入保險版一個禮拜的心得。
手機排版請見諒!
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