free IP stresser

防癌險怎麼選?保單灰色地帶:癌症險、防癌險理賠給付

憨厚的台灣人很多,保險買心安,但出狀況卻從不知道怎麼申請理賠,保單灰色地帶多,保單條款細讀才能避免理賠爭議。購買「防癌險」時,務必要問清楚再繳費!專家呼籲保險並不是越多越好,保單多,可能存在著某些保障重複,但有些部分卻明顯不足,但能夠完成了解並掌握自己保單內容的人恐怕不多。

1癌症「門診手術」是否理賠?

如「癌症手術醫療保險金」,有些保單規定,病人必須住院保險公司才有給付!需要注意的是,有些癌症治療不需要住院,部分化療只要到門診一天就視同門診手術,但有的保單不予給付。

 

2防癌保單 「醫院」與「住院」的定義?

許多保單條款中會明訂:「本契約所稱醫院,是指依照醫療法規定領有開業執照,並設有病房收治病人之公、私立及財團法人醫院。但不包含專供休養、戒毒、戒酒、護理、養老等非以直接診治病人為目的之醫療機構。」有些保單嚴格規定必須有診斷及醫治癌症設備的醫院才有給付!

 

有些嚴重的癌末患者會住進「安寧病房」後,但有的保單上的「癌症住院醫療保險金」,不包含安寧病房!有的保單認定的「住院」是指被保險人經醫師診斷,罹患癌症或癌症併發症而入住醫院接受治療,主張安寧病房等同是放棄治療不予以理賠!

 

3.癌症治療時併發症是否理賠?

以肝癌為例,末期患者都會出現嚴重腹水症狀,幾乎完全無法進食,如果把醫院開的住院證明拿去申請防癌險的「住院日額給付」,有的保險公司的保單並不會給付!陷阱在於有些早期的保單會在條款中註明只賠癌症本身的住院日額,併發症不理賠!

image source

 

關鍵字

一次性給付,原位癌

 

台灣人有多愛買保險?

法國巴黎人壽於今公布「2019年全球保障型保險消費者調查報告」,分析全球及台灣民眾對於保險購買行為的差異,調查指出,國人平均持有保單高達3.3張,調查涵蓋26個國家,共2.6萬人受訪。

 

有44%國人希望保險可以「簡單易懂」,42%希望「無理賠時可保費返還」,能客製化的有36%,保障型商品主要是規避風險,跟儲蓄險商品不同。國人買房時,願意借款佔比達79%,為創業借款佔66%,為買車借款佔61%,國人真正投保過房貸壽險者僅26%,遠低於日本53%及全球平均42%。

 

健康醫療

癌症/抗癌死亡 |糖尿病治療和飲食  | 血糖 | 失眠 |便祕胃痛腦疲勞蕁麻疹乾眼症、飛蚊症、 眼睛雷射畏光  |孕婦禁忌(飲食注意事項)不孕益生菌 |蛀牙 膝蓋 |健保 |手術 |補助 |腎臟病乳癌塑化劑肝癌胃食道逆流| 飛蚊症|自律神經失調老化更年期憂鬱/憂鬱症白髮不安(恐慌症)新冠肺炎熬夜(輪夜班)

 

 

Wise Library 1985

Life can be beautiful without perfection. There’s a strong link between unconditional love and posttraumatic growth. In truth, people only witness unconditional love during hard times. Unconditional love is found in imperfections. Imperfections teach us to be humble and compassionate. If you believe in miracles, be aware of the seven deadly sins and the power of tenderness. Earn approval and luck from God. According to the Bible, no one will be exempt from life challenges, including the chosen ones (1 Peter 1:3-9). God expects us to stay hopeful and “rejoice in our sufferings,” for “trials of various kinds” are training to make us “perfect and complete” (Romans 5:3-6, James 1:1-27). It’s comforting to know that “God promises to make something good out of the storm” (Roman 8: 28). We fall and we grow. There's a strong connection between unhealed trauma and a dysfunctional immune system. If you rush yourself to become a better me, that might be a sign of unhealed trauma. As we learn to humble ourselves, life gets better. The connection between the brain and stomach is bidirectional. Negative emotions and chronic stress sabotage people's immune system. 70% to 80% of our immunity hinges on our gut health. Memory loss and cognitive impairment are common symptoms of Alzheimer’s disease, all of which are highly connected to type 2 diabetes. Early signs of type 2 diabetes include chronic fatigue, irritability, frequent urination, vision problems, and slow wound healing. Depression is prevalent in people with diabetes due to the fact that diabetes causes “structural changes in the brain.” Muscle-building helps regulate blood sugar levels. There is growing evidence that high blood sugar leads to reduced muscle mass. Beyond that, there’s a strong link between sleep deprivation and emotional weakness. People suffer from suppressed anger and pessimism. God is watching our every move. God sees through our motives. Mental health crisis is sweeping on a global scale because the core value of capitalism is incompatible with what human truly needs. Money cannot purchase inner peace. Wealth incurs fair-weather friends, frenemies, and snobs. I would say, inner peace is the utmost blessing from God. Stop recording the faults of others and practice compassion mediation instead.我喜歡文字,大概是因為我喜歡永恆的東西,而世上多數的東西都不是。不是所有人都需要心靈雞湯,如果你絕對正向而強壯。養心養身,而潛意識24小時不睡覺,身體自癒的開關落在潛意識的區塊,只有絕對入骨的正向樂觀才能痊癒,恐懼傷骨傷腎,老人家們容易膝蓋牙齒不好是因為恐懼多憂慮多。中醫主張生悶氣、恐懼、悲觀和過食是疾病的根源。自認不是棉花糖的勵志派,是寫實警世的定位,但我肯定有邏輯基礎的正向思考,Bible很多內容都很科學,也符合中醫的論點。佛教主張前世今生的因果論,而 Bible主張人生只有一回,但人生必有難題。難題分兩種,一種是磨練鍛鍊心智的training,好好表現,災難的背後會有禮物。禍福相依,壞消息可能帶來跳板、第三條路的視野、或逆境激發潛力。好消息往往伴隨更多責任挑戰,甚至暗藏陷阱,很多好消息最後變成頭痛點。第二種難題是試煉,上蒼期望你我在逆境中堅守,試煉,是上蒼決定該不該給你我天堂入場卷的門票!猶太人虔誠,但他們的教堂沒有神像沒有十字架,只有書(因為信仰在心中)。人生有很多上蒼的隨堂考,當掉就要重修(歷史就會重演)。氣生災,如果你我相信成功需要幸運,把「柔」做好,就可以賺福氣。Bible強調柔軟的力量、自律、謙卑、口舌之禍及傲慢之惡。寫信給站長(責任編輯)司馬儀: jpsiawase@gmail.com 如果遭受暴力(家暴,或霸凌)、性侵或性騷擾或任何身心虐待,撥打113保護專線,24小時全年無休。生活學業工作等等困擾,撥打安心專線「1925」。若簽約租賃碰到詐騙,撥打165反詐騙專線(警察)或內政部警政署反詐騙諮詢專線:0800-018-110

您可能也會喜歡…

發佈留言

發佈留言必須填寫的電子郵件地址不會公開。

這個網站採用 Akismet 服務減少垃圾留言。進一步了解 Akismet 如何處理網站訪客的留言資料