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发表于 4-5-2009 07:37 PM
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发表于 4-5-2009 07:48 PM
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原帖由 ^阴云 于 1-5-2009 03:06 AM 发表 
我母亲49岁，目前没有任何一单保险，想帮她买个单一医药卡。但有保险员建议我买ILP，说是每年保费一样，不会像单一医药卡每五年会起。当中包括人寿60K，医药每年最高60K，36疾病和意外。保费月每年3.5K。
想问的是： ...
回到LZ的问题（主重医药卡）：
１。 如果保费一个月RM３００－４００不是问题（弱点），ILP＋医药卡的确有他的优点，就是 ＇waiver of premium＇ 及 ＇premium holiday＇
＇waiver of premium＇－－患上３６种疾病 或 TPD，每月的保费由公司出到一个期限
＇premium holiday＇－－超过几年的ILP保单，就算＇忘记＇还保费两三个月都不会断保，间接的医药卡可不怕那么容易断保
２。如果保费一个月RM３００－４００是问题，那么就没选择了，唯有拿单独医药卡了。优点是保费的付出比较低（优点），但绝对不可以＇忘记＇还保费（弱点）。 |
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发表于 5-5-2009 12:30 AM
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原帖由 charleswong28 于 4-5-2009 06:51 PM 发表 
Allianz PowerLink (ILP)
你好!我是Charles Wong
人寿- RM 60,000.00
病症- RM 40,000.00
住院及膳宿 ROOM 200
我们医药卡保证更新至到年龄80
一年保障RM 75,000.00-全年总限额
终生保障RM 750,000.00至到 ...
此卡虽然有10陪, 也不是十全十,有些病症急须医疗时,我看要差不多要上山才理赔,没意思,看到拿不到.
如一旦被诊断子宫癌, 乳癌,总之是大部癌症都是要有差不多要上山才理赔,
病从浅中医, 病重才理赔, 道理在?
请参阅Under Policy Contract:
II OUT PATIENT TREATMENT BENEFITS
2 OUT PATIENT CANCER TREATMENT
If the life assured is diagnosed as Cancer as define below, the Company will reimburse the Resonable and Customary Charges incuirred for the medically necessary tratment of cncer performed at a legally registered cancer treatment centre subject to the the limit of this Disabilitu as specified in the Table of Benefit.
Such treatment ( radiotherapy or chemotherapy excluding consultation, examination tests, take home drugs) must be received at the Hospital confinement or surgery.
Cancer is drfined as the uncontrallable growth and spread of malignant cells and the invasion and destruction of normal tissue for which major interventionist treatment or surgery ( (excluding endoscopic procedures alone) is considered necessary. the cancer must be confirmed by histological evidence malignancy. the following conditions are excluded:
iii) Papillary Carcinoma of the bladder and Stage 1 Prostate Cancer;
iv ) All skin cnacers except malignant melanorma;
vi) tumours manifesting as complication of AIDS.
It is specific condition of the benefit that notwithstanding the exclusion of pre-existing illness, thos benefit will not be payable for the any Life Assure who had been diagnodsed as a cancer patient and/ or is receiving cancer treatment prior to the effective date of insurance.
以contrac 条文:
原位癌-Tis(Carcinoma In Situ),只有前列腺单有才理赔.子宫,乳等其他部位原位癌(Tis)不理赔,
要到uncontrallable growth and spread of malignant cells 时已经是Regional Lymph Nodes N1-3 和Distant Metastasis M0 & M1 Lah,癌症
有能力侵犯正常细胞和转移至全身已经是恶性
肿瘤.因此, 恶性
肿瘤通常是致命上山lah.
请别忘了,癌字下面有个山,上山去也.
如何符合病从浅中医?
门诊癌症治疗----所需支付的费用,依据Contract 何时才正式理赔? |
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发表于 5-5-2009 01:19 AM
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请问甚么是ILP？我到先在还不懂是甚么意思．．．谢谢了 |
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发表于 5-5-2009 07:02 PM
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发表于 7-5-2009 12:02 PM
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回复 23# gaphill 的帖子
住院及膳宿 ROOM 200
我们医药卡保证更新至到年龄80
一年保障RM 75,000.00-全年总限额
终生保障RM 750,000.00至到年龄80- 终身总限额
————————————————————————————————
医药卡- 一但证明癌症是良性或恶性，如果有些病症急须医疗时一一都可以
用！！不一定时要等到恶性的！！！！！ |
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发表于 7-5-2009 12:04 PM
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回复 23# gaphill 的帖子
住院及膳宿 ROOM 200
我们医药卡保证更新至到年龄80
一年保障RM 75,000.00-全年总限额
终生保障RM 750,000.00至到年龄80- 终身总限额
————————————————————————————————
医药卡- 一但证明癌症是良性或恶性，如果有些病症急须医疗时一一都可以
用！！不一定时要等到恶性的！！！！！ |
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发表于 7-5-2009 01:10 PM
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年级大的不适合买ILP，
通常会注意的是保障，保额和其细条款
我会prefer独立的医药卡 |
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发表于 17-10-2009 02:07 PM
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好贴，顶上来 |
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发表于 17-10-2009 04:17 PM
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超过40岁的人建议不要买ILP
因为有投资风险;
一般来说,
年纪越大,可以承受的风险越低
何况ILP里的医药卡也是会随着年龄而增加保费
只是比单独医药卡便宜一些~
人寿+疾病另外单独买
医药卡也单独买 |
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发表于 17-10-2009 05:42 PM
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发表于 17-10-2009 07:09 PM
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发表于 17-10-2009 07:56 PM
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发表于 17-10-2009 08:10 PM
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发表于 17-10-2009 08:13 PM
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发表于 18-10-2009 01:23 AM
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