[其他] 長照險符合條件的人數比例比較高嗎?
有一問題小弟百思不解,想請問同業先進們看法如何。照說保險費率都是精算師精算過的
,因此如果非常近似的商品,各家費率相差並不太多。然而最近不斷發現,長照險無論哪
一家的,都遠遠比殘扶險貴(這是您我都已知的了,沒錯),問題是?如果這樣反推論的話
,似乎是達到長照條件的人多,而達到殘扶條件的人少?而這又跟條款看起來的推論互相
矛盾!
不知同業先進們對此怎看?只是單純保險公司把長照險的利潤抓太高嗎?還是真的值得反
思一下有可能殘扶的條件也很難,達到的人數也更少?比長照條件人數還少??
謝謝先進們提供意見,請勿情緒論戰!
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