Pet insurance| 替家中狗狗貓咪買醫療險必看

文。司馬儀

替寵物投保成為趨勢。「寵物險 」包含 「意外醫療費用 」、 「侵權責任賠償費用 」、 「走失協尋廣告費用 」等。譬如愛犬被其他狗狗咬傷、狗狗撞傷人、愛狗不慎走失的協尋費用通通都可以賠償。均限狗狗和貓咪投保,前提是必須植入晶片幾乎所有保障項目均採 「實支實付 」的方式理賠,年繳保費約$1645∼$2299元不等。

 

該不該替寵物投保?

歐洲因動保法規嚴格,以投保率來看,英國高達七成、瑞典逾六成、瑞士57%、澳洲20%、美國2%。台灣雖有毛小孩專屬的 「寵物綜合保險 」,但目前替寵物險投保率還是偏低。

 

台灣少子化、晚婚、晚生,甚至不婚不生,台灣飼養寵物比例越來越高農委會統計,截至去 2015年底統計本島寵物狗超過171 萬隻,寵物貓數目逾56萬,平均每十人就有一人飼養寵物貓狗。據關鍵評論2016年報導的數據,全台貓狗寵物數量達230多萬,台灣人養狗比例達25%、貓則為4%,平均每3人就有1人養狗或養貓。

 

毛小孩生病看醫生 ,醫療急診費驚人
養寵物,除了固定開銷,例如飼料、鮮食、零食、預防針、玩具之外, 「醫療費用 」是相對負擔最多的。

 

毛小孩沒有健保,醫療費用少則千元,多則數十萬元,動物醫院並沒有統一收費標準,打針或急救急診費更驚人。開刀或外傷或輸血,血型配對程序繁雜,捐血系統尚未完善,毛小孩的輸血費用很高。

 

據了解,貴賓、馬爾濟斯、約克夏、吉娃娃容易膝關節脫臼。貴賓、博美、約克夏易有遺傳性氣管塌陷;臘腸、西施常有椎間盤疾病;鬥牛犬、巴哥、西施、波士頓梗則容易罹患呼吸道症候群。目前也有寵物殯葬業,提供寵物超度法會、火化或樹葬、花葬或晉塔。據了解,寵物安葬費用約二萬∼五萬元不等。

 

寵物相關保險

1.寵物綜合保險:提供寵物全方位的保障,包含醫療、死亡、寄宿日額、走失協尋廣告、侵權責任等費用。

2.個人責任險、家庭成員責任險:補償飼主因寵物的侵權行為造成第三人體傷、財損或死亡,所致賠償金,如律師費、判決金、和解金等。

3.住宅綜合險寵物意外費用補償附約:補償火災或地震等意外事故所衍生的寵物醫療與死亡喪葬費用。

4.公共意外責任險寵物寄託責任附約:提供寵物寄託服務的業者,若在營業處所內發生意外事故導致寵物傷亡,業者須負賠償責任且飼主有提出賠償請求時,保險公司會就超過自負額的部分理賠業者,適合寵物店或飯店業者投保。

 ※共三頁,繼續閱讀下一頁

Wise Library 1985

People are not aware of the adverse effects of excessive sugar intake and habitual binge eating on health. It is scientifically proved that excessive sugar intake sabotages our immune system. Indeed, 70% to 80% of our immunity hinges on our gut health. The connection between brain and stomach is bidirectional. For those who suffer from diabetes or any chronic illnesses, moderate amount of sugar-free matcha tea, coupled with alkaline diet, will help you defeat COVID-19.There’s a strong link between sleep deprivation, emotional weakness and early aging. Be aware of the power of tenderness, humility and subconscious mind. Be aware of the cost of negative emotions, such as suppressed anger and depression. If you believe in luck or miracles, be aware of the seven deadly sins. God is watching our every move. God sees through our motives. Every spoken word will be recorded by God. Mental health crisis is sweeping on a global scale, because the core value of capitalism is incompatible with what human truly needs. Money cannot buy inner peace nor unconditional love. Wealth incurs fair-weather friends, frenemies and snobs. Inner peace is one of God’s blessings. People fail to get rid of negative emotions. Depression root in loss of hope. People do not aware that there’s a strong link between imperfection, unconditional love and post-traumatic growth.When our life track differs from our original plan, don’t be scared. It’s comforting to know that “God promises to make something good out of the storm” for or those who remain righteous, tender and humble in any circumstances (Roman 8: 28). People know nothing about “God’s discipline” (Hebrews 12:11). According to the Bible, God’s discipline and God’s love are intertwined. According to the Bible, no one can be exempt from life challenges nor life troubles, including the righteous and the chosen ones (1 Peter 1:3-9).We fall and we learn. We become a better me as we learn to humble ourselves. 腸胃健康和大腦健康息息相關!健康建議:無糖抹茶豆漿X鹼性飲食X練肌肉。鈣是解痛劑,多攝取鈣的食物或鈣片取代止痛藥。維生素E主修復,可加速傷口癒合,預防留疤。高壓容易緊張族群可多攝取維生素B和鈣的食物。一夜白頭是心理影響身體的鐵證,勿低估負面情緒對身體的傷害,包括生悶氣或憂傷!(詳情請參看網站醫療專欄)

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。進一步瞭解 Akismet 如何處理網站訪客的留言資料