Ch 4何謂保險 | 保險種類ppt

保險種類全民健康保險( 保費由被保險人、雇主、政府依不同比例負擔) 其它社會保險( 公保、勞保、國保) 年金( 退休金) 生育補助意外險、定期險、癌症險壽險 ... Slideshareusescookiestoimprovefunctionalityandperformance,andtoprovideyouwithrelevantadvertising.Ifyoucontinuebrowsingthesite,youagreetotheuseofcookiesonthiswebsite.SeeourUserAgreementandPrivacyPolicy. Slideshareusescookiestoimprovefunctionalityandperformance,andtoprovideyouwithrelevantadvertising.Ifyoucontinuebrowsingthesite,youagreetotheuseofcookiesonthiswebsite.SeeourPrivacyPolicyandUserAgreementfordetails. SlideShare Explore Search You Upload Login Signup SubmitSearch Home Explore Successfullyreportedthisslideshow. WeuseyourLinkedInprofileandactivitydatatopersonalizeadsandtoshowyoumorerelevantads.Youcanchangeyouradpreferencesanytime. Ch4何謂保險 UpcomingSlideShare Loadingin…5 × 1 1of13 Likethispresentation?Whynotshare! Share Email     Elaportedelmejoramientoalculti... by angelninabascope 385 views Facebook Twitter LinkedIn Size(px) Starton ShowrelatedSlideSharesatend Economy&Finance 2,477views Jun.12,2012 Download Like Liked Share Ch4何謂保險 s29883 Follow 0Comments 0Likes Statistics Notes FullName Commentgoeshere. 12hoursago   Delete Reply Block Areyousureyouwantto Yes No Yourmessagegoeshere Post Bethefirsttocomment Bethefirsttolikethis NoDownloads Views Totalviews 2,477 OnSlideShare 0 FromEmbeds 0 NumberofEmbeds 1 Actions Shares 0 Downloads 5 Comments 0 Likes 0 Nonotesforslide Ch4何謂保險 1. 人身保險與健康保險 2. 保險的目的避免因現金流入中斷、財產生命損失所進行的規劃(台灣)醫療照顧非常昂貴且複雜化(US)PrenticeHallInc.2 3. 明瞭保險背後的邏輯保險是風險分攤的例子─以群體來分擔個體因死亡、意外或疾病所產生的財務風險保單宣告利率愈低,保費愈貴危險因子全高,保費愈貴年齡愈大男性高於女性職業風險PrenticeHallInc.3 4. 保險種類全民健康保險(保費由被保險人、雇主、政府依不同比例負擔)其它社會保險(公保、勞保、國保)年金(退休金)生育補助意外險、定期險、癌症險壽險與醫療險PrenticeHallInc.4 5. 人身保險條款保費─保單的每年(季、月)成本保單價值─死亡時保單上所載明提供的金額被保險人─保單上所記載生命受保障的人要保人─擁有保單的個人或企業受益人─被保險人死亡時,指定收到保險利益之人PrenticeHallInc.5 6. 下列的人可能不需人身保險單身且無人任何親人雙薪、已婚且無人任何親人子女已婚但無工作,無任何子女親人已退休的人PrenticeHallInc.6 7. 有哪些人可能需要人身保險需要扶養親人已婚,單薪且有子女富有的人(利用保險避稅)PrenticeHallInc.7 8. 3種最需要買的保險-純意外險(消耗型)保費受工作性質影響最大產險公司(壽險公司以團保方式出售)的保費比壽險公司便宜一半壽險1300元/100萬(保証續保)產險550元/100萬(不保証續保)保障健議至少要1000萬(考慮基本生活支出與外籍看護費40,000/月,保障十年生活無虞)。

保費約5500元/年意外醫療險可有可無PrenticeHallInc.8 9. 3種最需要買的保險-定期壽險(消耗型)保險重點投保年齡:14~65歲,年齡愈高,保費愈貴保障內容:不論意外或疾病造成的一級殘廢或身故,一次領到100%的保險金30歲女性為例:1000萬保障,保費8,000元30歲男性為例:1000萬保障,保費19,000元保險的雙十理論1000萬意外險、1000萬定期險30歲女性為例,保費約12,50030歲女性為例,保費約25,000PrenticeHallInc.9 10. 定期壽險PK終身壽險(保額100W,30男性)一年期壽險終身壽險保費/年1,90030,000保障期間購買期間終身優點1.用今天的錢買今日1.不一定領的到100的保險萬2.年輕時,用低保費2.終身保費固定拉高保障缺點1.不一定領的到100很貴萬PrenticeHallInc.2.年紀愈大,保費愈10 11. 3種最需要買的保險-癌症險衛生署公佈的十大死因:癌症第一名,佔死亡人數的28%終身防癌險與一年期防癌險(30歲男性1單位)保費3800/年VS300/年保障期限終身/70歲繳費期限20年/70歲建議家庭中的主要經濟來源建議投保年輕時可用一年期防癌險提高保障PrenticeHallInc.11 12. 5種最需要買的保險-癌症險理賠內容(一年期癌症險1單位)項目金額初次罹癌10萬外科手術3萬出院居家療養600元/天義乳重建600元/天義乳重建6萬/次義乳重建600元/次義乳重建6萬義肢重建PrenticeHallInc.10萬12 13. 延伸閱讀PrenticeHallInc.13 RelatedBooks&Audiobooks Freewitha30daytrialfromScribd AskforMore:10QuestionstoNegotiateAnything AlexandraCarter (4/5) Free ThePriceYouPayforCollege:AnEntirelyNewRoadmapfortheBiggestFinancialDecisionYourFamilyWillEverMake RonLieber (3.5/5) Free 10,001WaystoLiveLargeonaSmallBudget TheWritersofWiseBread (4/5) Free GetWhat'sYoursforHealthCare:HowtoGettheBestCareattheRightPrice PhilipMoeller (0/5) Free WhatMattersMost:TheGetYourShitTogetherGuidetoWills,Money,Insurance,andLife's"What-ifs" ChanelReynolds (2/5) Free FAKE:FakeMoney,FakeTeachers,FakeAssets:HowLiesAreMakingThePoorAndMiddleClassPoorer RobertT.Kiyosaki (4.5/5) Free DollarsandSense:HowWeMisthinkMoneyandHowtoSpendSmarter DanAriely (4/5) Free Invested:HowWarrenBuffettandCharlieMungerTaughtMetoMasterMyMind,MyEmotions,andMyMoney(withaLittleHelpFromMyDad) DanielleTown (4.5/5) Free Uncharted:HowtoNavigatetheFuture MargaretHeffernan (4/5) Free The10PillarsofWealth:Mind-SetsoftheWorld'sRichestPeople AlexBecker (4.5/5) Free 7SecretstoInvestingLikeWarrenBuffett MaryBuffett (4/5) Free TheTruthAboutYourFuture:TheMoneyGuideYouNeedNow,Later,andMuchLater RicEdelman (4.5/5) Free HappyMoney:TheJapaneseArtofMakingPeacewithYourMoney KenHonda (4.5/5) Free RichDadPoorDad:WhatTheRichTeachTheirKidsAboutMoney-ThatthePoorandMiddleClassDoNot! RobertT.Kiyosaki (5/5) Free Refinery29MoneyDiaries:EverythingYou'veEverWantedToKnowAboutYourFinances...AndEveryoneElse's LindseyStanberry (4/5) Free ThisChangesEverything:WhyClimateChangeRequiresRevolutionaryEconomicChange NaomiKlein (4.5/5) Free YouNeedaBudget:TheProvenSystemforBreakingthePaycheck-to-PaycheckCycle,GettingOutofDebt,andLivingtheLifeYouWant JesseMecham (4.5/5) Free RichDad'sCashflowQuadrant:GuidetoFinancialFreedom RobertT.Kiyosaki (5/5) Free Unshakeable:YourFinancialFreedomPlaybook TonyRobbins (4.5/5) Free Principles:LifeandWork RayDalio (4.5/5) Free MeettheFrugalwoods:AchievingFinancialIndependenceThroughSimpleLiving ElizabethWillardThames (4/5) Free NoLogo:TakingAimattheBrandBullies NaomiKlein (4/5) Free Angel:HowtoInvestinTechnologyStartups—TimelessAdvicefromanAngelInvestorWhoTurned$100,000into$100,000,000 JasonCalacanis (4.5/5) Free YouNeedaBudget:TheProvenSystemforBreakingthePaycheck-to-PaycheckCycle,GettingOutofDebt,andLivingtheLifeYouWant JesseMecham (4.5/5) Free TheBehavioralInvestor DanielCrosby (4.5/5) Free GettingtoYes:HowtoNegotiateAgreementWithoutGivingIn RogerFisher (4.5/5) Free TheCapitalistCode:ItCanSaveYourLifeandMakeYouVeryRich BenStein (4.5/5) Free FairTax:TheTruth BoortzMediaGroupLLC (4/5) Free TheDealsofWarrenBuffett:Volume1,Thefirst$100m GlenArnold (5/5) Free SecretsoftheMillionaireMind:MasteringtheInnerGameofWealth T.HarvEker (4.5/5) Free MakeYourKidAMoneyGenius(EvenIfYou'reNot):AParents'GuideforKids3to23 BethKobliner (4/5) Free TheMillionaireNextDoor:TheSurprisingSecretsofAmericasWealthy ThomasJ.Stanley (4.5/5) Free Elaportedelmejoramientoalcultivodelaquinua angelninabascope 所得稅 s29883 Ch7共同基金 s29883 Ch2形形色色的基金 s29883 Ch3風險評估 s29883 WhattoUploadtoSlideShare SlideShare CustomerCode:CreatingaCompanyCustomersLove HubSpot BeAGreatProductLeader(Amplify,Oct2019) AdamNash TrillionDollarCoachBook(BillCampbell) EricSchmidt APIdaysParis2019-Innovation@scale,APIsasDigitalFactories'NewMachi... apidays × ShareClipboard × Facebook Twitter LinkedIn Link Publicclipboardsfeaturingthisslide × Nopublicclipboardsfoundforthisslide Selectanotherclipboard × Lookslikeyou’veclippedthisslidetoalready. Createaclipboard Youjustclippedyourfirstslide! Clippingisahandywaytocollectimportantslidesyouwanttogobacktolater.Nowcustomizethenameofaclipboardtostoreyourclips. Name* Description Visibility OtherscanseemyClipboard Cancel Save

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