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以下為您可能感興趣的商品

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-1

下面附上一則新聞讓大家了解時事

工商時報【魏喬怡╱台北報導】

重大疾病或特定傷病,不再是老年病,而有年輕化的趨勢,根據衛福部所公布的2014年國人死因統計結果顯示,25~44歲的青壯年因高血壓、心臟疾病等重病導致身故的人數,較十年前大幅增加,而青壯年因意外造成身故的人數比率卻大幅下降,壽險業者指出,青壯年小資族不僅要改變飲食習慣,更要提早購買特定傷病醫療險,預防重病導致失能,造成家人龐大的照顧與財務壓力。

中國人壽副總經理蘇錦隆表示,青壯年萬一不幸因病倒下,臥床時間可能超過10年以上,龐大的長期照顧費用,可能拖垮家庭經濟,造成家人沉重的負擔。

蘇錦隆建議,青壯小資族在預算有限的情況下,要建構完整的特定傷病醫療保障,不妨用終身醫療險當主約,搭配特定傷病險附約。例如小資族可以投保中國人壽安心樂高終身保險日額2千元,搭配中國人壽安心好照護終身保險附約保額100萬元,這樣一來,萬一不幸因病住院,可獲得住院日額理賠金,萬一罹患的是保單條款所約定的12項特定傷病,例如重度腦中風、重度癱瘓等重病,可以先獲得25萬元安心保險金,並且在每一保單周年日仍生存時,獲得25萬元照護扶助保險金,最久可領到100歲,大幅減輕家人長期照顧的費用負擔。

台灣人壽總經理林欽淼提醒民眾,對於尚未規畫重大疾病保險之青壯年族群,趁年輕體況佳的時候補強重大傷病保障;如果家族有重大傷病病史之熟齡者,屬高危險群,除了一般醫療保障,更應加強重大傷病保險規畫;若是已購買重大疾病或特定傷病保險之消費者,希望加強此部分之保障者,可考慮規畫結合住院醫療保障的重大傷病保險。在選擇重大傷病險時,應該把後續療養需求通盤考量進去,讓保障規畫更完整周全。



















【日本CB Japan生活小物】CB Qahwa第三波精品咖啡專用保冷保溫杯(金屬藍)
















SYG透明玻璃拿鐵杯-445cc-12入組
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【日本CB Japan生活小物】CB Qahwa第三波精品咖啡專用保冷保溫杯(粉紅桃)








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