壽險業者:十年來民眾醫療費用增加65%

【阿布拉電子報】分享文學性、藝術性與兒童性兼具的兒童繪本,並希望透過繪本和你一起發現孩子的世界。 【Motive 商業洞察週報】為行銷人、創意人、品牌經營者提供靈感來源和知識庫,讓每個人都更懂行銷!

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  

2016/10/24 第775期  |  訂閱/退訂  |  看歷史報份

保險要聞 網路投保業務 玉山銀首家開辦
投資型商品 買氣冷清
投保教戰 壽險業者:十年來民眾醫療費用增加65%
女性保單 寵愛妳一生

今日財經頭條

網路投保業務 玉山銀首家開辦
記者吳曼筠╱即時報導/經濟日報
玉山銀行今年8月獲金管會核准成為首家開辦「網路投保業務」的銀行,並於今(17)日正式上線。透過玉山網路銀行即可完成旅遊平安險及汽機車強制責任險兩項投保流程,免去客戶簽名、跑銀行或跑保險公司的麻煩。

玉山銀行表示,玉山網路投保旅行平安險,包含國內、外旅遊的保障。申請流程必須上網經過「註冊」、「投保資料填寫」、「繳費資料填寫」三步驟,完成投保申請。

必須注意的是,完成投保申請後,還必須檢視保險公司是否核保、並扣款,必須確認流程都確實完成,才享有旅遊保障。由於網路投保目前玉山銀行設定扣款方式為由新台幣帳戶扣款,因此申請網路投保必須先成為玉山銀行新台幣存戶。

玉山銀行建議若為國外行程,可再附加海外突發疾病醫療,保障內容包含意外重大燒燙傷、意外殘廢給付、傷害醫療給付及海外突發疾病醫療等。

若旅遊地點為高消費水平的國家,投保海外突發疾病醫療後,玉山銀也會自動將海外醫療給付上限往上調。以日本、紐澳地區為例,海外突發疾病醫療給付上限增加150%。美加或歐洲地區,給付上限則增加300%。

汽機車族每年均要投保的強制汽機車責任險,為了省時方便,也能透過玉山網路投保申請。至於其他險種未來是否開放?玉山銀行說,網路投保業務開辦之初,會先以簡易型保險試試市場水溫,未來有機會將開發其他險種、便利保戶網路投保。

 

投資型商品 買氣冷清
記者吳靜君/台北報導/經濟日報
金管會上半年金檢報告出爐,並針對投資型保單專案金檢,發現投資型保單諸多缺失,含針對特定投信或類全委帳戶,給予過高的佣金或獎酬;風險與警語未揭露清楚及未落實認識客戶等。

由於今年金融市場波動,導致去年熱賣的類全委保單今年的淨值仍多在10元以下,表現比較好的大約還在9元∼9.5元左右。連帶壽險公司今年投資型保單的買氣,大幅下滑。

根據壽險公會統計,整體投資型保險商品初年度保費收入下滑42.2%,投資型壽險減少44.2%,投資型年金險亦縮減17.9%,應是近期全球金融市場震盪影響投資人信心所致。

 

投保教戰

壽險業者:十年來民眾醫療費用增加65%
記者楊筱筠╱即時報導/經濟日報
您知道國人一輩子會花掉多少醫療費用嗎?中國人壽指出,根據衛生福利部的統計資料註,若以民國103年國人平均餘命79.8歲及每人平均每年醫療保健支出新臺幣41,242元來估算,每人一生至少會花掉近330萬元的醫療費用。

中國人壽指出,相較民國90年時每人一生醫療費用約200萬元來看,十多年來成長了近65%,且依照國民壽命延長及醫療保健支出逐年成長的情況來看,未來的醫療支出總費用將會愈來愈高。

有鑒於此,中國人壽建議民眾善用保險做規劃,以分散轉嫁龐大的醫療費用,在遭遇疾病時得以無後顧之憂地享有高品質的醫療服務,安心治療休養。

中國人壽副總經理蘇錦隆指出,根據衛生福利部統計資料,以每十歲為統計區間,40歲後的醫療費用不斷攀升,且每一階段都較前一階段高,民眾在做規劃醫療保障時,不妨針對40歲以後的醫療費用支出作重點補強。另外,也建議民眾當下就要開始為下一階段的醫療需求預作規劃準備。

業者建議,20歲以下的青少年民眾,可以先考慮打造完整的醫療保障基礎,青壯年民眾則可以針對特定傷病增加保障,中年民眾則要考慮年老退休後的照護需求。

 

女性保單 寵愛妳一生
記者韓化宇/台北報導/經濟日報
結合婦女疾病醫療與壽險 可加買長照險 保障更全面

繼台灣誕生第一位女總統後,11月8日的美國總統大選,很有可能選出美國史上首位女總統,加上甫上任的英國首相梅伊、德國總理梅克爾、韓國總統朴槿惠,象徵女力時代來臨。壽險業者提醒,女性由於平均壽命比男性長,保障晚年活得有尊嚴的保險商品不可少。

根據內政部公布的「104年簡易生命表」,國人的平均壽命達80.2歲,其中女性壽命83.62歲,遠高於男性的77.01歲,還比美國女性平均壽命多三歲。

壽險業者表示,活得久不代表活得健康,女性平均比男性多活六、七歲,如果這六、七年時間不幸罹患疾病或臥病在床,可觀的醫療照護費用,會為家人帶來龐大的經濟壓力。因此,趁早買足長照險及針對女性疾病設計的醫療險,活得安心。

市面上不少專為女性設計的保險商品,比如「遠雄人壽新薔薇女性終身保險」,就是一張結合終身壽險及以女性疾病為主醫療險的儲蓄型商品。

該商品除了給付生存保險金(分為A、B、C三型,B、C型才有生存保險金),醫療險並涵蓋系統性紅斑狼瘡、子癇前症、子宮外孕或妊娠毒血症等女性主要疾病。每次生育還享有生育保險金不限胎數;若為早產兒,則給付早產兒醫療保險金。

 

《錢的歷史》貨幣如何改變我們的生活及未來
《錢的歷史》作者賽加爾是人人稱羨的華爾街金童,他探索金錢有什麼特色,讓全世界繞著它奔忙?金錢究竟有哪部分是我們無法掌握的?金錢又有哪些是讓我們產生怪異、不理性的行為?

玩像家一樣舒適,五星營地新手也瘋狂!
大自然給人類的驚喜總是超乎想像,如果說,有一種讓身心完全沉浸於其中的玩樂方式,那麼就非露營莫屬了。只要選對露友、營地、設備,就能盡情徜徉好山好水帶來的休閒樂趣,享受大自然生活,這才是美好人生!

 

本電子報著作權均屬「聯合線上公司」或授權「聯合線上公司」使用之合法權利人所有,
禁止未經授權轉載或節錄。若對電子報內容有任何疑問或要求轉載授權,請【
聯絡我們】。
  免費電子報 | 著作權聲明 | 隱私權聲明 | 聯絡我們
udnfamily : news | video | money | stars | health | reading | mobile | data | NBA TAIWAN | blog | shopping

Posted in Uncategorized

56 thoughts on “壽險業者:十年來民眾醫療費用增加65%

  1. I’m impressed, I must say. Actually not often do I encounter a blog that’s each educative and entertaining, and let me inform you, you could have hit the nail on the head. Your concept is excellent; the problem is one thing that not enough people are talking intelligently about. I am very happy that I stumbled throughout this in my seek for something relating to this.

  2. Simply wanna tell that this is very useful, Thanks for taking your time to write this.

  3. There may be noticeably a bundle to know about this. I assume you made sure nice points in features also.

  4. Hello friends, you are sharing your opinion concerning website Search engine marketing, I am also new user of web, therefore I am also getting more from it. Thanks to all.

  5. Amazing! Its actually amazing article, I have got much clear idea regarding from this post.

  6. Thank you sharing these types of wonderful threads. In addition, an excellent travel and medical insurance system can often eliminate those issues that come with journeying abroad. A new medical crisis can shortly become too expensive and that’s guaranteed to quickly put a financial load on the family’s finances. Setting up in place the best travel insurance bundle prior to setting off is worth the time and effort. Cheers

  7. One more thing. I think that there are a lot of travel insurance websites of respectable companies that allow you enter a trip details and obtain you the quotes. You can also purchase an international travel cover policy online by using the credit card. Everything you should do is always to enter your own travel specifics and you can start to see the plans side-by-side. Merely find the program that suits your budget and needs after which it use your bank credit card to buy them. Travel insurance on the web is a good way to do investigation for a respected company pertaining to international travel cover. Thanks for discussing your ideas.

  8. A lot of thanks for all your hard work on this site. Kim really loves getting into investigation and it’s easy to see why. A number of us know all regarding the powerful manner you deliver functional steps through your blog and strongly encourage participation from other people on this concept then our own simple princess has been becoming educated so much. Enjoy the rest of the year. You’re doing a remarkable job.

  9. I like the valuable info you supply on your articles. I’ll bookmark your weblog and check once more here frequently. I’m reasonably certain I’ll be told many new stuff right right here! Good luck for the following!

  10. Hello to every , for the reason that I am truly keen of reading this web siteís post to be updated daily. It includes fastidious stuff.

  11. I have read some good stuff here. Definitely worth bookmarking for revisiting. I surprise how much effort you put to create such a excellent informative web site.

  12. Does your website have a contact page? I’m having problems locating it but, I’d like to send you an e-mail. I’ve got some ideas for your blog you might be interested in hearing. Either way, great website and I look forward to seeing it expand over time.

  13. Hello there, just turned into alert to your blog through Google, and found that it is truly informative. I am gonna be careful for brussels. I’ll be grateful should you proceed this in future. Many people shall be benefited out of your writing. Cheers!

  14. Wow! Itís a nice jQuery script; I was also looking for that, thus i got it right now from here. Keep it up admin.

  15. Spot on with this write-up, I truly assume this web site needs way more consideration. I’ll probably be again to learn way more, thanks for that info.

  16. As a web-site owner I believe the material here is reallyfantastic. I thank you for your efforts. You should keep it up forever! Best of luck.

  17. This paragraph on the topic of SEO offers clear idea for new SEO people that how to do SEO, thus keep it up. Pleasant job

  18. Hi friends, you are sharing your feelings about website SEO, I am also new user of web, thus I am also getting more from it. Thanks to everything.

  19. I always download a complete show in parts, thatís always present at YouTube, because my net connection is extremely slow and YouTube fulfils my wishes.

  20. Greetings from Los angeles! I’m bored to death at work so I decided to browse your blog on my iphone during lunch break. I really like the knowledge you present here and can’t wait to take a look when I get home. I’m surprised at how fast your blog loaded on my mobile .. I’m not even using WIFI, just 3G .. Anyways, good blog!

  21. I really believe that a property foreclosure can have a significant effect on the client’s life. Real estate foreclosures can have a 8 to several years negative impact on a debtor’s credit report. A borrower who may have applied for home financing or any kind of loans as an example, knows that a worse credit rating can be, the more challenging it is to obtain a decent mortgage. In addition, it may affect a new borrower’s capacity to find a quality place to lease or rent, if that will become the alternative real estate solution. Great blog post.

  22. Hey very nice web site!! Man .. Excellent .. Amazing .. I’ll bookmark your web site and take the feeds also…I’m happy to find so many useful info here in the post, we need develop more techniques in this regard, thanks for sharing. . . . . .

  23. Thanks a lot for the helpful posting. It is also my opinion that mesothelioma cancer has an particularly long latency time, which means that signs and symptoms of the disease may not emerge till 30 to 50 years after the 1st exposure to asbestos fiber. Pleural mesothelioma, and that is the most common form and influences the area within the lungs, might cause shortness of breath, breasts pains, as well as a persistent coughing, which may result in coughing up blood.

  24. Excellent items from you, man. I’ve be mindful your stuff prior to and you’re simply extremely excellent. I actually like what you have obtained here, really like what you’re saying and the way in which during which you say it. You’re making it enjoyable and you continue to take care of to stay it sensible. I can not wait to read far more from you. That is actually a great website.

  25. Thank you for the auspicious writeup. It in fact was a amusement account it. Look advanced to far added agreeable from you! By the way, how could we communicate?

  26. One other issue is that if you are in a situation where you will not have a co-signer then you may want to try to exhaust all of your money for college options. You will find many grants and other scholarships that will ensure that you get money to help with institution expenses. Thanks for the post.

  27. Yes you are correct, genuinely PHP is a open source and its help we can get free from any forum or web site since it occurs here at this website.

  28. I just want to say I am very new to blogs and actually savored this web-site. Almost certainly I’m want to bookmark your blog . You surely have excellent well written articles. Thanks a lot for sharing your blog site.

  29. Hello, i think that i saw you visited my blog thus i came to “go back the choose”.I am trying to find things to enhance my web site!I suppose its good enough to use a few of your ideas!!

  30. Normally I don’t read article on blogs, but I wish to say that this write-up very forced me to try and do it! Your writing style has been surprised me. Thanks, quite nice post.

  31. Good write-up, I am normal visitor of one’s website, maintain up the nice operate, and It is going to be a regular visitor for a long time.

  32. Okay, you are correct buddy, daily updating blog is actually needed for SEO. Pleasant argument keeps it up.

  33. All right you are right, YouTube is best video distribution web site, because YouTube is a lightly no much streaming time rather than other websites.

  34. Thanks for giving your ideas. Another thing is that individuals have an option between national student loan and also a private education loan where its easier to select student loan consolidating debts than through the federal education loan.

  35. All right you are correct, genuinely PHP is a open source and its assist we can take free from any discussion board or website since it occurs at this place at this web site.

  36. Heya just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different browsers and both show the same results.

  37. wohh precisely what I was looking for, thanks for putting up.

  38. Thanks for the strategies you reveal through this website. In addition, a lot of young women who become pregnant tend not to even try and get health insurance coverage because they dread they couldn’t qualify. Although many states at this point require that insurers offer coverage despite the pre-existing conditions. Fees on all these guaranteed options are usually larger, but when thinking about the high cost of medical treatment it may be the safer route to take to protect the financial potential.

  39. It is perfect time to make some plans for the future and it is time to be happy. I have read this post and if I could I desire to suggest you few interesting things or suggestions. Perhaps you could write next articles referring to this article. I desire to read more things about it!

  40. Hi there very nice site!! Guy .. Beautiful .. Superb .. I will bookmark your website and take the feeds also…I’m glad to search out numerous helpful info right here in the post, we need work out more techniques on this regard, thanks for sharing. . . . . .

  41. Hello there. I discovered your website via Google whilst looking for a comparable matter, your site got here up. It looks great. I’ve bookmarked it in my google bookmarks to visit later.

  42. What’s Happening i’m new to this, I stumbled upon this I have found It absolutely useful and it has aided me out loads. I hope to contribute & aid other users like its aided me. Great job.

  43. One other issue is that if you are in a scenario where you would not have a cosigner then you may genuinely wish to try to make use of all of your educational funding options. You could find many grants or loans and other scholarships that will provide you with funding to help you with college expenses. Many thanks for the post.

  44. Awesome blog! Do you have any suggestions for aspiring writers? I’m planning to start my own blog soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m completely confused .. Any ideas? Cheers!

  45. Real wonderful visual appeal on this web site, I’d rate it 10 10.

  46. Merely a smiling visitant here to share the love (:, btw outstanding layout.

  47. You must indulge in a contest for one of the greatest blogs over the internet. Ill suggest this web site!

  48. Hello there! Would you mind if I share your blog with my myspace group? There’s a lot of folks that I think would really enjoy your content. Please let me know. Thank you

  49. Currently it appears like BlogEngine is the top blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?

  50. Appreciate it for this wonderful post, I am glad I detected this internet site on yahoo.

  51. Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something. I think that you could do with a few pics to drive the message home a bit, but instead of that, this is magnificent blog. A fantastic read. I’ll certainly be back.

  52. One more issue is that video games can be serious naturally with the major focus on learning rather than entertainment. Although, it has an entertainment facet to keep your sons or daughters engaged, each one game is usually designed to develop a specific set of skills or curriculum, such as mathmatical or scientific discipline. Thanks for your post.

Leave a Reply

Your email address will not be published.

18 − 18 =