挑對高「CP值」保單 看這些特徵

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2016/10/31 第776期  |  訂閱/退訂  |  看歷史報份

保險要聞 富邦新保單 走路可減保費
明年職災保險費率 七成二降低
投保教戰 挑對高「CP值」保單 看這些特徵
專家教你保/凶宅險…租屋族也能保

今日財經頭條

富邦新保單 走路可減保費
記者吳靜君/台北報導/經濟日報
前金管會主委丁克華受到手機遊戲寶可夢的啟發,鼓勵保險業者多推具有外溢效果的保單,誘使民眾願意出門運動,因良好運動習慣不僅降低保險業者理賠率,還可反映在保費減價上,開創雙贏,而這金管會持續推動。

據了解,已有富邦人壽與台灣人壽兩家公司率先送審外溢效果保單,兩家壽險公司外溢效果保單,都類似步步保,只要民眾走路達到一定的標準,保單保費就可優惠。

據悉,富邦人壽的保單為20年期重大疾病險,增加設計「多走路減保費」的機制,只要1年中有120天以上,每天走路達到5,000步,即可享有保費減免,保費減免最低2%起跳;而台灣人壽則與富邦人壽略有不同,而是當保戶走路達到一定的程度,將可以現金回饋作為鼓勵。

壽險業者指出,不論是保費折抵還是現金回饋,如果民眾生活健康、理賠減少,保單上就會產生利益,可在保費項目設計出獎勵的措施,不過在技術上,目前壽險業者採行利用手機或者手環紀錄,只要是確認本人使用像是記錄基本生物功能等,即可落實;但外溢效果保單屬於創新保單,必須經過金管會的審查,預計約半年以後,也就是明年才可能在市面上見到。

壽險公會積極爭取外溢效果的保單若符合一定的規範,例如市面上已經有類似的保單,就可以採取備查制,讓業者可以先銷售保單 ,再送相關資料至金管會。

金管會官員表示,外溢效果保單是創新商品,送審業者享有一年獨賣期,且應該要有三張以上的保單送審,才適合採用備查制。

 

明年職災保險費率 七成二降低
記者陳素玲/台北報導/聯合晚報
勞保局完成明年度勞保職災實績費率適用單位職災費率計算,即日起通知各事業單位。總計明年共有1萬1664家事業單位適用職災實績費率,其中將有8484家(占72.7%)降低職災保費,2306家(占19.8%)增加保費,874家(占7.5%)維持原費率。

根據規定,僱用勞工70人以上投保單位訂有職災費率,其中分為上、下班災害費率,以及各行各業職災實績費率。前者統一為0.07%,後者則根據各行業不同職災風險訂定差別實績費率,最高風險行業如石油及天然及採礦行業為0.92%,最低風險行業如電子零組件、電腦業為0.04%,今年度兩者平均費率為0.22%。

勞保局表示,職災實績費率會根據事業單位最近三年職業災害保險給付總額占應繳職業災害保險費總額的比率高低計算調整,若是占比低於70%,每減少10個百分點,職災實績費率就可減少5%;若是占比超過80%,則每增加10的百分點,加收5%費率。亦即職災發生率較高之單位,即須增加負擔較多職災保險費,職災發生率較低之單位,則減少負擔職災保險費。

目前勞保局已完成明年度適用勞保職災實績費率適用單位費率計算,適用對象為2015年7月1日起至2016年6月30日止,平均僱用被保險人數達70人以上之投保單位。總計明年共有1萬1664家投保單位適用勞工保險職業災害保險實績費率,較今年增加230家。

 

投保教戰

挑對高「CP值」保單 看這些特徵
記者楊筱筠╱即時報導/經濟日報

在漲、漲、漲的年代中,薪資成長的幅度不如物價的漲幅,以致年輕人的食衣住行越來越講求「CP值」(性價比),以追求划算為最高境界。選擇保險商品也是如此。

壽險業者指出,若預算有限,規劃保險時要把錢花在刀口上,首重「基本保障及財務規劃」,其次,保障內容要符合自身年齡階段需求,最後,仍必須要在自己預算之內,不要買超過預算保單。

中國人壽副總經理蘇錦隆表示,若想用小錢買大保障,可以考慮選擇投資型保單,因為年輕時的保費較便宜,又可附加意外險、醫療險等附約,運用保單組合,把醫療、壽險與資產配置作結合,讓正在打拼的年輕族群或經濟負擔較重的族群,能夠在預算內,審慎選擇自己當時最需要的保障種類及保險額度,達到保障金三角的目標。

蘇錦隆指出,透過投資型保單可一次滿足壽險保障、資產累積及退休規劃等全方位需求。以「中國人壽龍揚三豐變額壽險(104)」為例,主契約保費月繳最低新臺幣1,000元,即可擁有基本壽險保障。

此外,本保險採用「臺灣壽險業第五回經驗生命表」,相較於第四回經驗生命表,平均餘命由70歲延長至80歲,且在相同的保險成本支出下,保障金額平均提高2-3成,可用較低的保險成本補足自身壽險保障。另外,本保險尚可附加多種傷害及健康險附約或附加條款,可視每個人的不同需求,讓保障更加多元完整。

 

專家教你保/凶宅險…租屋族也能保
記者韓化宇整理/經濟日報

擔心買到凶宅、導致房屋價值大幅跌損,只要投保凶宅保險,即可避免誤買凶宅帶來的損失。

為了提升房東及屋主的財產守護,市場首張凶宅保險,便是富邦產險所推出的,以保障房屋所有權人在被保住宅發生特定意外事故時,屋主無須出售房屋,即可以獲得定額的房屋跌價補償。

「凶宅保險」全名為「特定事故房屋保險」,為市面上第一張保障凶宅跌價的保險,承保被保險人於承保住宅內遭他人殺害,或被保險人以外之人因自殺或非因自殺、他殺之原因陳屍住宅內十日以上所造成的跌價損失。

從過去法院判例來看,就有屋主因鄰居跳樓自殺導致住家變成凶宅,而向死者家屬提告求償房屋的跌價損失;若是已投保凶宅保險,屋主無須出售房屋,產險公司即認定損失,並依投保時約定的保額定額賠付,賠付內容還包括額外清理費用,如民間信仰的誦經超度等法事,皆在補償範圍內。

「凶宅保險」因應被保險人的身分提供不同的保障項目,若被保險人為一般屋主,給付項目為房屋跌價補償金及清理費用,若被保險人為房東,則定額給付租金補償及清理費;此外,富邦產險更擴大承保對象至租屋族,若被保險人為房客,則給付租屋仲介費用、搬遷費用及清理費用。

「凶宅保險」將承保住宅發生凶宅事故後可能產生的費用納入給付範圍,減輕被保險人於事故發生後的財務負擔,凶宅保險自今年初開賣至今,即承保超過4,000件,獲得廣大房東及屋主的回響。此外,富邦產險更擴大承保範圍至租屋族,針對房客投保,則給付租屋仲介、搬遷與清理費用等,持續看好市場潛在商機。不論是一般屋主、房東或租屋族,都需要妥善規劃自身與財產安全的保障。日常生活中可能會遭遇許多不可預測的風險,民眾除需提高危機意識外,應及早為自己與家人預備生活保障,藉以將風險降至最低。

(富邦產險個人保險商品部副總經理陳維格口述)

投保三要訣

1 投保凶宅險 可獲房屋跌價補償

2 被保險人身分不同 保障也不同

3 清理、超度費用 皆在補償範圍

 

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近來極夯的一個名詞──網紅,是「網路紅人」的簡稱。電商和直播是目前及未來幾年網紅產業獲利的主要來源,在中國2016年,「電商+直播」預估將佔整體網紅產業收入的85%以上。

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連日雨下不停,衣服曬不乾,鞋子一直都是濕噠噠的,婆婆媽媽好煩惱!家事達人要教你抗潮濕又乾洗鞋的妙用奇招,讓你在不見如光的陰暗天氣里,心情也可以跟明媚陽光般,甩開壞心情!

 

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