郵政壽險進化 最高保額至600萬

【大田iPen圖文報】擁有很多、很棒的圖文作者及作品,歡迎喜歡看圖文的讀者來【大田iPen圖文報】逛逛! 全台唯一的密技電子報-【電腦人PCuSER 網路e週報】以電腦密技為主軸,協助您排除各類疑難雜症!

無法正常瀏覽圖片,請按這裡看說明   無法正常瀏覽內容,請按這裡線上閱讀
新聞  健康  財經  追星  NBA台灣  udn部落格  udnTV  讀書吧  

2015/11/30 第738期  |  訂閱/退訂  |  看歷史報份

保險要聞 郵政壽險進化 最高保額至600萬
恐攻怕怕…買旅平險卡安心
投保教戰 終身利變壽險 推海外旅遊附加險
婦嬰險投保 三點不漏

今日財經頭條

郵政壽險進化 最高保額至600萬
記者孫中英/台北報導/聯合報
除了商業壽險之外,也有很多民眾購買「郵政壽險」,做為累積退休金工具。金管會已在今年11月中旬發布,郵政簡易壽險最高保額自400萬提高到600萬元,且立即生效。

郵政壽險保費較一般商業壽險稍低,許多經常到郵局存錢的家庭主婦,還有公教人士,是長年購買主力。郵政壽險過去主打「養老險、還本險」等儲蓄險種,但近年也開發保障保險及傷害、醫療險、微型保險等。

但郵政壽險處非商業保險公司,不能推出「投資型保單」,傷害險及醫療險保障,也只能以附約方式購買。

在郵政總局年代,郵政壽險保額上限為100萬元,改制為中華郵政公司後,郵政壽險保額在2003年提高到200萬元,2007年再調高到400萬元。

8年後,金管會在今年同意郵政壽險保額拉高到600萬元,以提供保戶更多選擇。但跟商業壽險保額「無上限」相比,郵政壽險保額仍然偏低。

不過,郵政壽險由於有一群「死忠」保戶,業績並不差;最叫座的還是各式還本儲蓄險或增額還本險,像一張6年期吉利還本險,6年期滿領回相當於保額的滿期保險金,內容簡單,也被許多民眾拿來做「短期儲蓄」工具,銷售至今12年,接受度仍高,是市場少見的「長青保單」。

但也因為郵政壽險客戶多以購買還本險為主,近8成郵政壽險保單,保額多在100萬元以下。

 

恐攻怕怕…買旅平險卡安心
記者陳怡慈/台北報導/經濟日報

耶誕節、元旦假期相繼來臨,擔心恐怖攻擊事件的人,可投保旅行平安險。專家提醒,旅平險必須在「搭機前」購買,且須留意「保障期間」的設定。

若保障期間設定的不完整,可能發生遇事不保的窘境,因此建議,開始時間應設定「從家裡出發前往機場」的時間;終止時間應設置「抵達家門」的時間。

過去一年來,法國、奈及利亞、丹麥、土耳其、馬利等地相繼遭到恐怖襲擊,投保旅行平安險已成為出國旅人搭機前的基本配備。

第一金人壽總經理林元輝表示,民眾取得旅平險的主要管道有三種:信用卡、旅行社與產壽險公司,保障與理賠項目有諸多的差異,遇上恐怖攻擊時,產險與壽險公司的理賠額度也不盡相同。

信用卡旅平險通常是「公共運輸旅行平安險」和「旅遊不便險」,偏向僅保障「搭乘飛機期間」發生的意外和誤點事件;若在旅程中遇上意外傷害、突發疾病,無法獲得保障。

若是參加旅行團,旅行社通常幫旅客投保旅行業綜合責任險,雖然保障不限於搭機期間、保障範圍較廣,但身故與全殘的保障較低,僅200萬~300萬元。

面臨恐怖攻擊傷亡事件時,產壽險公司提供的理賠額度,仍有區別。

 

投保教戰

終身利變壽險 推海外旅遊附加險
記者孫中英/台北報導/聯合報
「躉繳利率變動型終身壽險」是多家壽險公司主打的退休產品之一。近期有壽險公司開發出,終身利變壽險「附加」海外旅遊相關保險,讓退休族累積退休金之餘,也能強化意外險保障。

中國人壽副總經理蘇錦隆說,躉繳終身利變壽險,在投保期間,保戶除擁有終身壽險保障外,保戶投保後前6年,保單若有「增值回饋分享金」,可做增額繳清、增加保險金額,第7年起拿到的增值回饋分享金,則可選擇現金給付或儲存生息,加碼自己的退休金。

利變終身壽險,除保障和儲蓄功能之外,現在還有新功能,有壽險保單可附加「海外旅遊」保障。蘇錦隆說,台灣人旅遊的「行動效率」越來越高,時間較為充裕的退休族或準備退休的熟年族,可能「打個電話、坐個廉航,就出國了」,出國前不見想到要買旅行平安險,若壽險保單可自動附加這項保障最好。

蘇錦隆說,該公司新推出的鴻運發利變終身壽險,在契約有效且保險年齡達86歲前,保戶出國時,在海外停留期間、只要在15天內,就有海外意外身故、殘廢保障;他舉例,保戶若躉繳100萬保費、可買到約267萬元保額,若出國不幸發生意外身故,家屬除可獲得意外險267萬元賠償外,還會賠付原先的壽險保障100萬元(當年保價金、保費兩者取其大),共約370萬元。

 

婦嬰險投保 三點不漏
記者蔡靜紋/台北報導/經濟日報

年底是國人結婚旺季,新人們不妨提前為新生活規劃保障。對準備孕育下一代的新人或已懷有身孕的媽媽來說,挑選婦嬰險可參考三大步驟,一是「年齡是否符合」,二是「保障內容有哪些」,最後再考慮「有無還本設計」。

元大人壽協理鄭中文指出,雖然市面上婦嬰險保單不少,但投保前要先問問投保年齡限制。以母親而言,大部分設在40歲或42歲以下,目前最高投保年齡天花板是45歲,最低投保年齡為15歲;對胎兒的部分,以規定胎兒必須在30周內投保居多,但也有保單設在28周。確定母親、胎兒的年齡落在保單設定區間後,再去檢視保單保障內容是否符合需求。

除比較保障對象外,還可比一比保障的重大殘疾項目,少則七項,多則46項。保障項目愈多,反映在保費上,也會愈貴,預算較多者可選擇範圍較廣的保單,預算較少者則得量入為出,仔細比一比最在意哪些先天疾病的保障。

除保障對象、保障先天疾病範圍,鄭中文建議再比一比「有無日額住院醫療給付」,因嬰兒出生若有先天性重大疾病,大多數保單是給付一筆重大殘疾保險金,但被診斷出先天重大疾病也幾乎判定小嬰兒無法馬上再投保醫療險,等於住院治療期間費用無法獲得保險金補貼,若保單有「住院醫療保險金」,可提高保障。

第三步是「想要保費有去有回嗎?需要還本設計嗎?」保單設計還本給付,自然保費也較貴,是否需要買還本險應視個人預算而定。

 

施振榮:現在是人人兼商的時代
「從不留一手,教出多位企業家的宏

44 Comments

  1. I just want to say I am new to blogs and certainly enjoyed this blog site. Probably I’m planning to bookmark your site . You really have awesome well written articles. Many thanks for sharing your website page.

  2. Really Interested site this is.. I really Enjoy a lot reading your Blog.. I will Bookmark your site for more reference.

  3. There may be noticeably a bundle to find out about this. I assume you made certain good factors in features also.

  4. Youre so cool! I dont suppose Ive learn something like this before. So nice to search out any person with some unique thoughts on this subject. realy thank you for starting this up. this web site is one thing that’s needed on the net, someone with a bit of originality. useful job for bringing something new to the internet!

  5. We’ve to say, I take pleasure in reading this web page. Maybe you could let me know how I can subscribing with it.

  6. If you are a woman then you may find that you simply are at an increased threat of developing moles at certain stages of one’s lifestyle. That is due to the fact a women’s body changes all through the various stages of her existence and these adjustments just so occur to generate a much more perfect atmosphere for moles to form around the body.

  7. I’m extremely impressed along with your writing talents neatly as with the format on your weblog. Is this a paid theme or did you customize it yourself? Anyway keep up the nice high quality writing, it is uncommon to see a nice weblog like this one or a top Viagra site nowadays.

  8. I went over this internet site and I believe you have a lot of fantastic information, saved to favorites (:.

  9. When I originally commented I clicked the -Notify me when new comments are added- checkbox and now each time a comment is added I receive four emails with the exact same comment. Can there be in whatever way you possibly can remove me from that service? Thanks!

  10. Hello I am so delighted I found your website, I really located you by mistake, while I was looking on google for something else, Anyways I am here now and could just like to say cheers for a tremendous post and a all round entertaining blog. Please do keep up the great work.

  11. Thanks, I’ve recently been looking for info approximately this subject for a long time and yours is the best I have found out so far. But, what about the conclusion? Are you certain in regards to the source?

  12. MetroClick specializes in building completely interactive products like Photo Booth for rental or sale, Touch Screen Kiosks, Large Touch Screen Displays , Monitors, Digital Signages and experiences. With our own hardware production facility and in-house software development teams, we are able to achieve the highest level of customization and versatility for Photo Booths, Touch Screen Kiosks, Touch Screen Monitors and Digital Signage. Visit MetroClick in NYC at http://www.metroclick.com/ or , 121 Varick St, New York, NY 10013, +1 646-843-0888

  13. Faytech North America is a touch screen Manufacturer of both monitors and pcs. They specialize in the design, development, manufacturing and marketing of Capacitive touch screen, Resistive touch screen, Industrial touch screen, IP65 touch screen, touchscreen monitors and integrated touchscreen PCs. Contact them at http://www.faytech.us, 121 Varick Street, New York, NY 10013, +1 646 205 3214

  14. Emery EPS is a Search Engine Optimization company that provides SEO Services. Their proprietary SEO strategies help struggling websites and aspiring business owners to rank their websites higher in multiple search engines like Google , Yahoo and Bing. They provide local and gmb map ranking for businesses in Coasta Rica, New York, Los Angeles, Portland, Sacramento, Phoenix, Las Vegas, Denver, Houston, California and many other local areas. Find more at https://www.emeryeps.com.

  15. It is convenient occasion to produce some schemes for the forthcoming future. I’ve read this piece of writing and if I can, I want to suggest to you you some worthwhile recommendations.

  16. It’s actually mostly extremely difficult to encounter well-advised readers on this issue, fortunately you come across as like you fully understand the things you’re covering! Gratitude

  17. It truly is nearly extremely difficult to encounter well-informed americans on this issue, but you look like you fully understand exactly what you’re posting on! Many Thanks

  18. Emery EPS is a Search Engine Optimization company that provides SEO Services. Their proprietary SEO strategies help struggling websites and aspiring business owners to rank their websites higher in multiple search engines like Google , Yahoo and Bing. They provide local and gmb map ranking for businesses in Coasta Rica, New York, Los Angeles, Portland, Sacramento, Phoenix, Las Vegas, Denver, Houston, California and many other local areas. Find more at https://www.emeryeps.com.

  19. It really is near close to impossible to see well-aware visitors on this issue, nonetheless you look like you comprehend what you’re posting on! Appreciation

  20. I simply want to show you that I am new to blog posting and very much valued your report. Very possible I am going to remember your blog post . You indeed have magnificent article content. Value it for giving out with us your main blog article

  21. Exceedingly enlightening highlights that you have said, many thanks for writing.

  22. Hi there, just started to be familiar with your writings through Search engine, and discovered that it’s truly good. I’ll appreciate if you persist this.

  23. It is actually practically not possible to encounter well-advised readers on this area, even though you seem like you comprehend what you’re covering! Appreciate It

  24. It’s near extremely difficult to encounter well-updated readers on this matter, but you seem like you realize the things that you’re indicating! Appreciate It

  25. I just desire to advise you that I am new to blog posting and clearly valued your write-up. Very possible I am prone to store your blog post . You literally have amazing article material. Acknowledge it for giving out with us your very own url page

  26. Good morning here, just turned out to be aware of your blogging site through The Big G, and discovered that it is seriously helpful. I’ll appreciate should you carry on this approach.

  27. I simply want to inform you you that I am new to posting and utterly liked your write-up. Likely I am most likely to store your blog post . You really have stunning article material. Truly Appreciate it for giving out with us your website article

  28. It’s mostly impossible to find well-advised viewers on this area, still, you look like you understand what exactly you’re writing on! Regards

  29. I’ve been surfing online more than three hours today, yet I never found any interesting article like yours. It’s pretty worth enough for me. In my opinion, if all webmasters and bloggers made good content as you did, the web will be a lot more useful than ever before.

  30. Hi here, just got receptive to your weblog through The Big G, and have found that it’s really entertaining. I will be grateful for if you maintain this approach.

  31. It’s nearly not possible to see well-educated readers on this subject, and yet you appear like you understand which you’re covering! Cheers

  32. Good morning there, just turned out to be familiar with your webpage through Google, and have found that it’s seriously interesting. I will be grateful should you retain this.

  33. Exceedingly alluring knowledge you’ll have said, thanks for setting up.

  34. I really have to reveal to you that I am new to wordpress blogging and certainly enjoyed your information. Quite possibly I am probably to save your blog post . You really have fantastic article information. Be Grateful For it for giving out with us your favorite internet site webpage

  35. It’s near unthinkable to come across well-aware parties on this content, fortunately you seem like you realize what you’re preaching about! Many Thanks

  36. Remarkably beneficial resources you have remarked, thanks for publishing.

  37. I really want to inform you that I am new to online blogging and thoroughly loved your site. Very possible I am likely to bookmark your blog post . You literally have impressive article content. Like it for swapping with us your current internet site article

  38. dancing is my passion and and i enjoy being enrolled in a dance class to improve my skills**

  39. I simply want to say I am just newbie to blogs and seriously savored this web page. Probably I’m planning to bookmark your blog . You absolutely come with remarkable article content. Thanks a bunch for sharing with us your webpage.

Leave a Reply

Your email address will not be published.