2020年10月5日

保險之我見 - 2

 開始內容:

我們先從保險的保金、保費討論,名詞可能有錯,觀念對就好了,
反正我也不是保險科系的。

我想先從醫療險開始說明,概念上比較容易,
醫療險是保險中重要的組成之一,
我的觀念中,
壽險、醫療險、意外險
並稱三大核心保單

基本上,保險公司的核心產品原則上就是這3個,
其他大多是這3個的衍生性商品。

醫療險的核心概念我們可以想成團體保險,或者典型的台灣健保。
所有人的保費 = 所有醫療保費的金額
當然,保險公司要賺錢,要維持運作,因此實際狀況是:
所有人的保費 = 所有醫療保費的金額 + 保險公司維持費用

而這裡保險公司得維持費用,
包括了保險公司的利潤、給業務的傭金、內部維持運作的開支。

因此,
話術一:醫療險保單要停售了,趕快買哦.....
鬼話,保險公司不會賠錢賣商品,會賠錢的,不用說直接停了或讓業務不推銷

話術二:以前的醫療保單項目少,新保單項目多,換保單比較好
一半鬼話,內容沒錯,但問題是真的有需要換新保單嗎?
保險業務的傭金是這樣算的,長年期保單(終身保單),繳費20年,
但業務大約前5年有傭金,而且傭金金額持續遞減,
沒有換新保單,傭金會縮水。

1 則留言:

p7nsudn2ci 提到...

The vendor has a blackjack lower than one-third of the time. In some video games, players also can take insurance coverage when a 10-valued card exhibits, 온라인 카지노 but the vendor has an ace in the gap lower than one-tenth of the time. Blackjack video games often provide a aspect guess called insurance coverage, which may be placed when the vendor's face up card is an ace. Additional aspect bets, similar to "Dealer Match" which pays when the player's playing cards match the vendor's up card, are additionally sometimes obtainable. A player total of 21 on the first two playing cards is a "natural" or "blackjack", and the player wins immediately except vendor additionally has one, in which case the hand ties.