有关人寿保险的问题?

hyq1031

和一位ATA(友邦) CONSALTANT 谈过 . 她建议买人寿保险还包括疾病保险(30多种疾病),每年要$1300.请问有那位TZ买过.
有谁有什么建议??

WTFAUS

我的super里面就包括人寿保险了。没有想过要单独报。每年要$1300的话，你可以保两个人的私人医疗保险了。。。

hyq1031

原帖由 WTFAUS 于 2007-10-22 14:55 发表
我的super里面就包括人寿保险了。没有想过要单独报。每年要$1300的话，你可以保两个人的私人医疗保险了。。。

私人医疗保险 是两回事

有人买过吗?

maylily01

Not really necessary in Australia. If you like, you can buy private health insurance.
Consult HCF, Medibank, or other private health insurance providers for their policy
plans. These providers also have life insurance.

philgu

原帖由 maylily01 于 2007-10-22 15:40 发表
Not really necessary in Australia. If you like, you can buy private health insurance.
Consult HCF, Medibank, or other private health insurance providers for their policy
plans. These providers  ...

It is absolutely essential in a lot of situations (I mean in case you have large liability e.g. mortgage & small child to care for). Adversely private health insurance is not as most of people have access to public system via medicare anyway.
In super, in most cases you would have term life and/or TPD, possibly income protection ins as well. My guess is that most of people only buy the minimum term life cover, which is packaged in most of super. Also in most cases, you will need to buy outside super for trauma or income protection insurance (its premium is tax deductible therefore not much tax incentive to go via super).

WTFAUS

原帖由 philgu 于 2007-10-22 15:56 发表


It is absolutely essential in a lot of situations (I mean in case you have large liability e.g. mortgage & small child to care for). Adversely private health insurance is not as most of peo ...

so do you have any suggestions here? we've been offered like mortgage/income protection insurance  before.  the premium is not cheap at all.

philgu

原帖由 WTFAUS 于 2007-10-22 16:22 发表


so do you have any suggestions here? we've been offered like mortgage/income protection insurance  before.  the premium is not cheap at all.

If you take out the tax deduction on the income protection ins, probably it is not too bad. The only things I would be wary about are the following two things:

Generally the insurers want to weed out bad risk and minimise claims. So
1. underwriting process. U would have to disclose all the health problems you have & etc. they might decide not to insure u or offer you high rate.
2. claim mgt. once you lodge a claim, u will never know whether it will be accepted. That is why I asked the cheeky agent who said all good things about insurance, is there an "insurance" for insurance in case u decline my claim (me in good faith of course).

IMO, the first option is always to self insure though better financial mgt. Then the big risk (however with devastation effects) should be outsourced through insurance. Unfortunately most of the mutual have been demutualised, which might be the cheaper way  of managing risk for public good.