colin異世界

「要還本還不如買定期險然後把差額存起來，金錢更能靈活運用。」
                                                                               
以下這個表就將以客觀的數字顯示出這件事。                                                                                                                                                    
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小明，30歲，男性。　若投保 NPHI 保額 1,000 元，年繳保費為 14,010 元。
                                                                               
假如小明同樣地連續二十年，每年撥 14,010 元，但卻是投保了 HIR 保額 1,500 元，
                                                                               
並且在前二十年將每年的 [保費差額] 存起來，以年利率 3.00％ 持續 [累積價值]，
                                                                               
而在繳完二十年之後，HIR 的保費改自已存下的累積價值中提取，繼續投保至 70 歲。
                                                                               
則當小明 70 歲時，已失去了 1,500 元的住院日額，卻同時也存下了 414,261 元。
 

（南山確實有年化報酬率 3.00％ 以上的台幣儲蓄商品。不信的話，請多做點功課。）
                                                                               
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這筆錢若以日額 1,500 元來換算，相當於是住院 276 天的理賠給付。
                                                                               
重點是：他不必真的去住院，就已經擁有它了，而且還可以自己決定該如何運用它。
                                                                               
ex. 如果需要，小明可以選擇每日１萬元的病房，且不必每日再額外準備 8,500 元。
                                                                               
而這筆錢還會繼續不斷地累積孳息，假如小明從未使用它，或者他使用得很慢，
                                                                               
當小明 80 歲時，固然沒有了 1,500 元的住院日額，卻有了約 50 萬元的現金；
                                                                               
而當小明 90 歲時，當然仍沒有 1,500 元的住院日額，卻有了約 70 萬元的現金。
                                                                               
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方案Ａ：投保終身醫療。老年住院時，1,500 元的日額根本不夠，還要再付更多的錢。
                                                                               
方案Ｂ：投保定期醫療，並將保費差額存下來。老年時，擁有一筆可自由運用的現金。
                                                                               
假如您是小明，同樣的資金成本，您認為哪一種方案才真正地能在財務上幫助到您？
                                                                               
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年齡    NPHI保費   HIR保費    保費差額    累積價值
                                                                               
 30      14,010     2,655      11,355      11,696
 31      14,010     2,895      11,115      23,495
 32      14,010     2,895      11,115      35,648
 33      14,010     2,895      11,115      48,166
 34      14,010     2,895      11,115      61,060
 35      14,010     2,895      11,115      74,340
 36      14,010     3,210      10,800      87,694
 37      14,010     3,210      10,800     101,449
 38      14,010     3,210      10,800     115,616
 39      14,010     3,210      10,800     130,209
 40      14,010     3,210      10,800     145,239
 41      14,010     3,525      10,485     160,396
 42      14,010     3,525      10,485     176,007
 43      14,010     3,525      10,485     192,087
 44      14,010     3,525      10,485     208,649
 45      14,010     3,525      10,485     225,708
 46      14,010     3,915      10,095     242,877
 47      14,010     3,915      10,095     260,561
 48      14,010     3,915      10,095     278,776
 49      14,010     3,915      10,095     297,537
 50                        3,915     (3,915)     302,431
 51                        4,350     (4,350)     307,023
 52                        4,350     (4,350)     311,754
 53                        4,350     (4,350)     316,626
 54                        4,350     (4,350)     321,644
 55                        4,350     (4,350)     326,813
 56                        4,800     (4,800)     331,673
 57                        4,800     (4,800)     336,679
 58                        4,800     (4,800)     341,836
 59                        4,800     (4,800)     347,147
 60                        4,800     (4,800)     352,617
 61                        5,310     (5,310)     357,726
 62                        5,310     (5,310)     362,989
 63                        5,310     (5,310)     368,409
 64                        5,310     (5,310)     373,992
 65                        5,310     (5,310)     379,743
 66                        5,850     (5,850)     385,109
 67                        5,850     (5,850)     390,637
 68                        5,850     (5,850)     396,331
 69                        5,850     (5,850)     402,195
 70                                                         414,261
 71                                                         426,689
 72                                                         439,490
 73                                                         452,674
 74                                                         466,255
 75                                                         480,242
 76                                                         494,650
 77                                                         509,489
 78                                                         524,774
 79                                                         540,517
 80                                                         556,732
 81                                                         573,434
 82                                                         590,637
 83                                                         608,357
 84                                                         626,607
 85                                                         645,405
 86                                                         664,768
 87                                                         684,711
 88                                                         705,252
 89                                                         726,409
 90                                                         748,202
 91                                                         770,648
 92                                                         793,767
 93                                                         817,580
 94                                                         842,108
 95                                                         867,371
 96                                                         893,392
 97                                                         920,194
 98                                                         947,800
 99                                                         976,234
100                                                        1,005,521
                                                                               
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註：括號內的數表為負數
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這篇文，只是很簡單地就這張表來做說明，還有許多細節部份，請各位先自己想一想。
                                                                               
保險公司只是想要保費，關於保障規劃所需要的真正專業，是從來不曾教給業務員的。
保險其實就是理財，是關於數字的，而不是一個空泛的保險觀念。