[險種] 重大傷病與第2家實支實付如何選擇?
既有保單如下:
1、終身醫療險:日額1000元(住院1000元、加護房2000元、燒燙傷2000元、洗腎、手術等
，已繳清)
2、癌症險: 台壽-2單位(住院6000元、手術24000元、門診醫療2400元，已繳清)
3、殘扶險: LDC 2萬(剛投保，繳費中)
4、實支實付: XHR計畫五(剛投保，繳費中)
已婚無小孩，所以想再提高醫療部分
請問
1、重大傷病和第2個實支實付，哪個優先考慮?(因為覺得這2種有重疊的感覺)
2、如果在可以負擔前提下，2個都保，真的有必要嗎?
3、這2個都是附約居多，分開找各自險種最優的保險公司投保(綁2個主約似乎浪費，但用
減額繳清是否划算?)，還是一家就好?
4、建議再找全球加保重大傷病嗎?(這樣不用再投保主約，大家好像不推全球?)
5、或是我可以以配偶身分附加在我先生的保德信下投保嗎?(還未研究先生保單)
這是目前想法，如有錯誤
還望板上大大指教
感謝
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※ 編輯: budda (114.44.71.103), 06/30/2016 22:10:43
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