colin異世界

以下是各險種理賠範圍 皆以最基本最常見的理賠範圍做比較
                                                                               
不把特例與較不重要的細微理賠項目及不是每家保險公司都有的理賠項目列入：
                                                                               
（A）壽險：因疾病或意外傷害而身故或1級殘
                                                                               
（B）日額醫療險：因疾病或意外傷害而住院醫療
                                                                               
（C）實支實付醫療險：因疾病或意外傷害而住院醫療，依收據做理賠
                                                                               
（D）傷害險：因意外傷害而身故或1~11級殘廢
                                                                               
（E）傷害住院日額險：因意外傷害而住院醫療或骨折未住院
                                                                               
（F）傷害醫療險：因意外傷害而住院醫療或門診醫療，依收據做理賠
                                                                               
（A）~（C）跟（D）~（F）相比
                                                                               
（D）~（F）之理賠範圍全都是只限定在”意外傷害”這一項而已
                                                                               
（A）~（C）理賠範圍多了”疾病”這項
                                                                               
理賠範圍除了疾病賠不賠這個差異以外 細項比較也都不太一樣
                                                                               
（D）比（A）多了”2~11級殘廢”這理賠範圍
                                                                               
（E）比（B）多了”骨折未住院”這理賠範圍
                                                                               
（F）比（C）多了”門診醫療”這理賠範圍
                                                                               
除非覺得自己發生事故就只會因為意外傷害這個原因而不會因為疾病而身故或住院醫療
                                                                               
不然個人建議最好不要以（D）~（F）來取代（A）~（C）
                                                                               
因為（D）~（F）與（A）~（C）理賠內容並不完全一樣
                                                                               
另 （F）這險種個人認為的確是可買可不買
                                                                               
一般來說它的理賠額度大多是3萬或5萬
                                                                               
它是個很實用的險種 但以保大不保小的角度來看
                                                                               
(最多只理賠到投保上限 通常是3萬或5萬 多數人不太可能連這額度醫療支出都付不出來)
                                                                               
它其實不是什麼重要的險種 可買可不買
                                                                               
但考量到它的費率很便宜 其實買了也不會花太多預算 可以考慮加保