保險界中常說的36种疾病

win20282002

回复 87# baby33


我有遇過代理員建議, 當我們患某種嚴重疾病時, 如不肯定是否可索賠, 可拿保單去給該位醫生看, 如果他看完那項疾病要求, 而我們符合當中所述的情形, 就可以向保險公司索賠, 不保證一定可以獲賠, 至少機率高.

baby33

回复 88# kteng7739

我想问你们有遇到这样的CASE吗？你们有谁的客人中了初期CANCER，就有得赔了呢。你们有遇过吗？

baby33

回复 89# win20282002

我记得ING的AGENT有跟我讲过，如医生说你有中36种其一的CANCER，不关是中初期或第几期的CNACER，那ING保险公司就会赔偿你了。我想确认下真的有这样的事吗？那位ING AGENT 有骗我吗？

win20282002

回复  kteng7739

我想问你们有遇到这样的CASE吗？你们有谁的客人中了初期CANCER，就有得赔了呢。你们有 ...
baby33 发表于 22-12-2010 01:14 PM

回复  win20282002

我记得ING的AGENT有跟我讲过，如医生说你有中36种其一的CANCER，不关是中初期或第几 ...
baby33 发表于 22-12-2010 02:31 PM

我只是較為了解大東方的疾病保單, 但我相信所有公司都是大同小異的.

瘤在初期可以 claim 只限腦瘤而已. 其他部位是要到第三期才可以 claim.

(剛瀏覽了大東方網站, 看到這個保單, 放上來給樓主和其他大大參考)
(如以下所示, 的確有可能提早索賠.)
(一間公司出了, 相信其他公司也會不甘人後的)

http://www.lifeisgreat.com.my/lig4/newlig/products/products_health.htm#b

Smart Early Payout CriticalCare
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kteng7739

tokyo marine 也有类似的。。。但policy 里面的term 我还没看过

[风]少爷

carcinoma-in-situ 没有赔 。。
Invasive carcinoma, commonly called cancer,= 赔
最重要都是medical report...少一个字/多一个字都会影响。。

ncng

回复 46# 天真

Male 40-45 - RM ？？？
female 45-50 - RM ？？？
TQ

win20282002

carcinoma-in-situ 没有赔 。。
Invasive carcinoma, commonly called cancer,= 赔
最重要都是medical re ...
[风]少爷 发表于 22-12-2010 10:03 PM

我記得有些女性保單, 都特別有保這個 carcinoma-in-situ 原位癌的, 但位置多限在子宮頸.

Hong Leong Complete Woman


                Peace of Mind                               
                Whilst 1 in 8 women stand the chance of getting breast cancer, you alone are financially protected against female cancers of the breast, cervix, uterus, fallopian tubes, vulva/vagina and ovary, Carcinoma-in-situ of breast and cervix uteri, as well as facial reconstructive surgery due to accident (face and neck).                You will also be financially protected against death and total permanent / old age disability until the age of 100.               
Insuring against cancer

"For example, the C+ Secure health plan covers carcinoma                in-situ of the cervix, colon, breast and stage T1 thyroid, which are not covered                under generic critical illness policy."

[风]少爷

我記得有些女性保單, 都特別有保這個 carcinoma-in-situ 原位癌的, 但位置多限在子宮頸.




                 ...
win20282002 发表于 24-12-2010 11:01 AM

但是，要看看它保多少%。。通常是rider 的 50% 。。。

win20282002

但是，要看看它保多少%。。通常是rider 的 50% 。。。
[风]少爷 发表于 24-12-2010 11:14 AM

雖然它可能只保障某個巴仙率 (不知有那家公司是全保的?)
但比較起其他公司如果沒有提供相同的保險保障, 也是可以接受的.

至少它多是保障女性, 男生就沒這麼多福利了

[风]少爷

雖然它可能只保障某個巴仙率 (不知有那家公司是全保的?)
但比較起其他公司如果沒有提供相同的保險保障 ...
win20282002 发表于 24-12-2010 11:27 AM

    大多数50% 而已。。而且很贵。。

我是zhizhen

回复 87# baby33

http://www.lifeisgreat.com.my/lig4/newlig/products/products_health.htm#a

这一个plan（smart early payout critical care)在第一期和第二期就可以索赔了
不过没有赔完，看%，到第三期才给完

我是zhizhen

回复 99# [风]少爷

女性保单不是只有女人病的cancer才有赔CIS咩？

win20282002

大多数50% 而已。。而且很贵。。
[风]少爷 发表于 24-12-2010 12:05 PM

我還沒有機會接觸到市場更多的相關保險. 如有緣遇上, 會詳細研究了和大大分享的.

[风]少爷

回复  [风]少爷

女性保单不是只有女人病的cancer才有赔CIS咩？
我是zhizhen 发表于 24-12-2010 12:14 PM

    每一间 都有一点不同吧 。。lung 也有。。。

win20282002

剛在網上找到一份相當詳細講解36種疾病的PDF 檔案, 藉此分享給所有論壇大大:

http://perjalananku.com/wp-conte ... rance-Explained.pdf

kteng7739

顶上来

linkin_pork

请问 肺痨 算不算是 36种疾病的其中一种？

清风微笑

carcinoma-in-situ 没有赔 。。
Invasive carcinoma, commonly called cancer,= 赔
最重要都是medical re ...
[风]少爷 发表于 22-12-2010 10:03 PM

    请问分别在于哪里？
不好意思，英文不好

巴厘岛的恋人

1。因输血而染艾滋病
2。老年癡呆症
3。主动脉手术
4。去皮质综合症
5。慢性再生障碍性贫血
6。儿童细 ...
雲谷 发表于 4-3-2008 04:22 PM

    如果买的36种疾病保险是保障150 000的话，只要不幸得到以上其中一个的话，就可以赔偿RM150 000？外加投资的盈利