查看完整版本: 正確的保險觀念


adj 2009-9-4 10:07

正確的保險觀念

<A name=OLE_LINK3><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; FONT-SIZE: 16pt"><FONT color=#00549a>承保保險除了注意保費的多寡跟保障內容外，另外要注意的是保單條款，</FONT><SPAN style="COLOR: red">因為發生風險時是依保單條款來申請理賠，就算保費多便宜，保障寫的多好，如果保單條款問題一大堆，發生風險要申請理賠時就會發生許多糾紛</SPAN><FONT color=#00549a>。<SPAN></SPAN></FONT></SPAN></SPAN></SPAN></SPAN></A>
<P></P><BR>&lt;<IMG border=0 alt=;P src="http://dz.adj.idv.tw/images/smilies/default/titter.gif" smilieid="9">&gt;<SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">以下是買保險時要注意保單條款的部份</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"> <BR>1. </SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">意外險：除了理賠意外身故外與殘癈（１－</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"> </SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">１１級殘）外，<SPAN style="COLOR: red">是否有理賠燒燙傷部份，很多保險公司並沒有燒燙傷（無理賠），有的只有理賠</SPAN></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: red">25</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">％，但是也有理賠</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: red">100</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">％，同樣是意外險，如果因意外發生火災導致燒傷，沒有理賠燒燙的意外險，是一毛也不會理賠的</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">，因為沒有殘癈也沒有燒死，所以沒有理賠。<SPAN></SPAN></SPAN></SPAN></SPAN></SPAN></SPAN>
<P></P><BR>&lt;<IMG border=0 alt=;P src="http://dz.adj.idv.tw/images/smilies/default/titter.gif" smilieid="9">&gt;<SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">醫療險：分為支實實付跟日額即付，<SPAN style="COLOR: #ff007f">實支實付主要是支付病房費用支出</SPAN>，<SPAN style="COLOR: red">日額即付是給付生活費用</SPAN>，兩者功能不一樣，所兩者都一定要承保。</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"> <BR></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">實支實付是屬於一年一約型醫療險，每五年會調整一次保費，最高承保年齡只到７５歲</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">。</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"><BR></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">日額即付又分</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial">”</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">帳戶型</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial">”</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">、</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial">”</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">倍數型</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial">”</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">及</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial">”</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">無限額型</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"> “<BR></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">帳戶型</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">：是指理賠金有一定的額度，終身保障</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: red">(</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">大都是繳費</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: red">20</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">年終身保障</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: red">)</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">，但是當醫療費大於所定的限額時，其契約中止，但如果醫療花費低於額度時而被保險人身故，那麼會退還所剩的保額，且保費貴</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">。<SPAN><BR></SPAN></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"><BR></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: blue">無限額型：是指理賠金無限制額度，終身保障，保費便宜。</SPAN><SPAN style="COLOR: red"><BR></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"><BR></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: fuchsia">倍數型：其指定限額度高，當醫療費大於所定的限額時，其契約中止，但如果醫療花費低於額度時而被保險人身故，那麼不會退還所剩的保額，保費比帳戶型便宜。</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: fuchsia"> </SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"></SPAN></SPAN></SPAN></SPAN></SPAN>
<P></P><BR>&lt;<IMG border=0 alt=;P src="http://dz.adj.idv.tw/images/smilies/default/titter.gif" smilieid="9">&gt;<SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: #ff007f">日額即付：繳費２０年終身保障，屬於終身型</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">（但也有的保險公司日額即付不是終身型醫療險，所以一定要注意保單條款），（保的保險公司的日額即付不屬於終身醫療險，有的只有承保到７５歲或７０歲，<SPAN style="COLOR: red">其承保年齡依各家保險公司醫療險的保單條款所規定），另外要注意是住院一天理賠多少錢（是否能夠支費病房費用），是否有理賠門診手術（許多家保險公司的醫療險是沒有理賠門診手術這一部份），燒燙傷病房與加護病房住院理賠天數為多少（有的只理賠７天，有的理賠３０天，有的理賠９０天），是否有手術條款限制（有的保險公司手術理賠項目問題一大堆），有的有手術理賠次數限制</SPAN></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: red">....</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">這些理賠條款都可以從保單條款看的出來</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">。</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial"> </SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體"></SPAN></SPAN></SPAN></SPAN></SPAN>
<P></P><BR>&lt;<IMG border=0 alt=;P src="http://dz.adj.idv.tw/images/smilies/default/titter.gif" smilieid="9">&gt;<SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">癌症險：<SPAN style="COLOR: red">以承保症險來說，要注意的是否有理賠併發症，何謂併發症，在治療癌症過程中，因癌症引起的其它病狀都叫併發症</SPAN></SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: red"> </SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">，醫學報導中，在治療癌症中，有７～８成是在治療併發症的，如果癌症險中沒有理賠併發症的話，因癌症引起的併發症，不論是住院、手術、門診都是沒有理賠的，以現在的癌症險來說已經為帳戶型癌症險，另外，在手術理賠中要注意是否有癌症手術次數限制（有的限制一年只能動三次手術）</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: Arial; COLOR: red">…</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體; COLOR: red">。</SPAN></SPAN></SPAN></SPAN></SPAN><SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體"></SPAN></SPAN></SPAN></SPAN></SPAN>
<P></P><BR>&lt;<IMG border=0 alt=;P src="http://dz.adj.idv.tw/images/smilies/default/titter.gif" smilieid="9">&gt;<SPAN><SPAN><SPAN><SPAN><SPAN style="FONT-FAMILY: 新細明體">以保險經紀人來說，<SPAN style="COLOR: red">保險經紀人能賣多家保險公司的保險商品，所以能客觀推薦客家保險公司的商品</SPAN>，並針對客戶的需求來作搭配，再來，保險經紀人並不屬於任何一家保險公司，所以<SPAN style="COLOR: red">當發生理賠時，保險經紀人能站在保戶的立場來為客戶爭取理賠</SPAN>，而且<SPAN style="COLOR: red">跟保險經紀人承保保險並不需求另外收取費用，當規劃同一家保險公司的保險商品時，其保費都是一樣的，並沒有比較貴，當發生理賠時，申請理賠也是很簡單，並不會造成客戶的困擾，當然，如果您跟保險經紀人承保保險，其理財賠、契變…等服務也是交由保險經紀人來服務您</SPAN>…以上大約介紹保險經紀人。</SPAN></SPAN></SPAN></SPAN></SPAN>
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