如果你有一份Ａ公司人壽保險,由９８年開始買,每月約供四百五,再供多約５年可唔使供,不過要死咗先賠二十一萬,唔死無.
這Ａ公司太衰,我本有醫療險,但未做手術又話賠九成,做咗佢又唔係咁講,所以cut咗,得番人壽.
但我現又買了第二間公司的人壽,我不知應否Ｃｕｔ埋Ａ份人壽,
想cut,因為可攞番萬幾蚊,同覺得已有第二份,寧願每月用四百幾做第二Ｄ嘢,
唔想cut,因為供多五年到唔使供,死咗有二十一萬,我供咗都無二十一萬,帳面好似賺咗,雖然死先有,但Ｃｕｔ咗又一定嘥咗以前供的.
你地會點拺?
請大家幫手諗點揀?(錢問題)
2006-12-10 8:02 pm
回答 (2)
2006-12-11 1:14 am
✔ 最佳答案
唔cut A公司,然現有第二間的人壽,但A只要畀多約2700,你就可安枕無憂,而且算係你資產的一部分,可作後備抵押換低息。(其實最好唔好買D唔死取回錢的純人壽;應買儲蓄人壽,唔死都有得取回錢),其實除本身保障額21萬外,會否有紅利滾存之類,若果有那就不只21萬,而且滾存愈長,所得紅利會愈多。而第二間的人壽,由於新做,可能會缺乏A公司保單某些的好處。(請小心衡量兩份保單的內用及其利害,才作出決定) 
2006-12-11 9:47 am
First of all, you have to know what purpose you need to buy insurance first, buying insurance counts your age / job / family need and protection.
If you are young, no need to take care of family, buy a little bit accident death is enough, and buy more savings insurance.
If you are in the mid age, then big bigger accident death in case for the old and child, and buy more medical (because you are getting old). If you company provide you medical, then you no need to buy extra from outside.
Like you case, i think you are a lady around 30-35. (Should buy some female protection plan instead.)
Remember one thing, buying accidential insurance is to protect the people around you (your parents and child).
Buying medical insurance is for yourself, you should know your health situation.
If you are young, no need to take care of family, buy a little bit accident death is enough, and buy more savings insurance.
If you are in the mid age, then big bigger accident death in case for the old and child, and buy more medical (because you are getting old). If you company provide you medical, then you no need to buy extra from outside.
Like you case, i think you are a lady around 30-35. (Should buy some female protection plan instead.)
Remember one thing, buying accidential insurance is to protect the people around you (your parents and child).
Buying medical insurance is for yourself, you should know your health situation.
收錄日期: 2021-04-29 17:13:15
原文連結 [永久失效]:
https://hk.answers.yahoo.com/question/index?qid=20061210000051KK01465