[險種] 幫新生兒規劃寶寶保單~
請詳述以下資訊：（括弧內文字請刪除）
一、性別：女
二、年齡：0
三、職業/工作內容：米蟲無誤
四、保障需求：醫療+重大疾病+雙實支
五、保費預算：2萬以內
六、健康告知：無
七、常用交通工具：娃娃推車
八、預計規劃：醫療+重大疾病+雙實支
九、現有保險：全民健康保險XD
十、預增保險：（可填上所收到的建議書險種/自己找的預增險種）
保險公司：1.富邦+中信+友邦
2.富邦+全球+友邦
商品名稱 [英文代號] 保額/計畫 期間 保費
_____________________________________________________________________________
富邦：
新平準終身壽險 XWS 10萬 20 1710
新綜合住院醫療保險附約 NHR1 20單位 1 3487
富邦產物：
滿足保系列一 HP083 200萬 1 1440
中信：
安心120殘廢照護終身保險 Di1 30萬 20 2160
新住院醫療保險附約 HNRB 計劃3 1 3769
友邦：
友給力特定傷病 CIA 1萬 10 790
十一助行殘廢照顧保險附約 YRDR 200萬 1 740
友備無患一年定期保險附約 DIYR 2萬 1 592
↓另外一個組合規劃如下↓
富邦：
好享福終身壽險 XLF 10萬 20 1810
新綜合住院醫療保險附約 NHR1 20單位 1 3787
意外身故殘廢保險金 MADD 30萬 1 117
意外傷害醫療保險金 NMR 3萬 1 536
全球：
全球安養久久終身保險C型 LDC 1萬 20 2680
醫療健康保險附約 XHR 5計畫 1 3147
友邦：
友給力特定傷病 CIA 1萬 10 790
十一助行殘廢照顧保險附約 YRDR 200萬 1 740
友備無患一年定期保險附約 DIYR 2萬 1 592
想請板上大大給點建議，上面兩張保單建議，差別在哪?哪種比較適合新生兒?
我是覺得意外險是不是比較不重要??
PS.上面兩種保單都還會額外加上法巴金計畫三(有需要買到計畫一嗎??可以增加日額)
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