Medical card (一卡在手解忧愁)

很多的消费者在购买医药卡时都会有一些特定的要求就比如说有的人因为经济能力问题在购买医药卡时最先考量的就是价格越便宜越好,只要是在他们能力范围允许的,他们都不太注重医药卡的保障有些什么附带条件.所以今天就用这份简报和大家做个分项.

购买医药卡式必须注意的事项:

独立医药卡 (STANDALONE) 投资联结保单(INVESTMENT LINK)
保费较为低廉 

Lower premium

保费较高 

Higher premium

没有现金价值和回馈,不需要承担投资风险 

No cash value or interest return but do not have any investment risk

有现金价值和回馈但是需要承担投资风险 

With cash value and Interest return, need to bare with investment risk

保单缺乏弹性, 若要做任何保障或保费上的调整会遇到限制 

Non flexible plan, not much changes can be made towards the policy

保单具伸缩性, 保客可以依照自己的需求和经济能力做出调整 

Flexible plan, policyholder could customize or make changes towards policy benefit and premium.

因故未缴保费,保单将在宽限期之后中断,若要续保,就等于从新投保一份新保单,必须证明当时的健康状况,和重新计算等待期 

If premium is not paid within grace period the policy will be terminated (lapsed) and if policy holder would like to revive the policy, it’s the same like purchasing a new policy. Company will need to do health check status and, recalculate the waiting period

 

不会因为忘记缴交保费马上中断,因为可以从保单领取金额缴付保费直到保客从新交费为止 

If policy is not paid during grace period the policy will not lapsed or terminated immediately because there will be cash value to support the policy, company will still continue the coverage by deducting the cost until the client remit payment.

如因为保单忘记缴费中断,从新投保时因为有任何的疾病,那保客就不能再认购或续购保单 

If policy is not paid and the policy is lapsed, policyholder would like to revive and under the circumstances the client is diagnose with any critical illness, the company will not be able to renew or revive any policy that is lapse after the grace period for premium payment

因为可以从保单领取金额缴付,那保客就有双重保护 

If policy is not paid and company will do a unit deduction from the policy every month to make sure the policy is still in force until client remit the payment and policyholder will indirectly having  protection and do not have any worries if they have late payment.

对购买医药卡的错误观念:

错误观念1:

公司已经帮我投保了,我又何必再花钱多买一份医药保单呢?

很多时候公司帮员工投保,购买意外及医药保障,但是你是否想过,如果你任属的公司有超过100 名员工,雇主是否也能提供你很完善的保障呢?公司所购买的医药保单是否有附带条件呢?如果你认为没有附带条件,也认为那是最完善的保障.那你可否认定自己能在该公司服务直退休年龄,或认定公司不会因故裁员或要求你离职呢?天有不测之风云,人有旦夕祸福. 如果公司在你最需要用到医药卡时把你解雇或是要求你离职,那你该怎么办呢?难道你要等到退休后没有医药保障了再来购买医药卡吗?或是走一步看一步呢?未雨绸缪才是明智之举啊!

趁自己现在还年轻,健康时,帮自己投保一份完善的保单不论遇到任何的问题都不会因为没有经济能力而寻求他人帮助.

错误观念2:

我还年轻身体很健康,不需要医药卡

就因为还年轻才需要为自己购买一份医药保单,因为年轻时购买保单能以更低的价格购得更高的保障,健康时不需任何保障是没错,但如果等到病痛找上门时才想购买保单,那就太迟了.

错误观念3:

买医药卡很浪费钱啊,没事发生就等于把钱丢到大海里

现今社会购物消费,娱乐消遣是享受,但对一部分人来说掏腰包买保险,医药卡,是一种浪费,因为买了没想要索赔,那要是有事得到赔偿买保险才算化的来这种想法更是错上加错.所以,保诚保险用心聆听,始终关心. 推出了Pruhealth, 终于, 拥有一份即可奖励 我们保持健康, 又可在我们 发生事故时, 提供保障的 医疗计划.

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