想買住院 / 危疾保險..
Hi,
i am a 27-year-old man, healthy and non-smoker.
i already have a term life insurance from hsbc, and now i want to buy 住院 / 危疾保險..
i want to buy insurance that can cover the basic medical expense with reasonable charges.
requirement:
危疾--> 保額: >= 500K
fixed charge
guarantee renewal (life or > 80?)
住院--> cover: 大房 fee
operation fee
in-patient diagnosis
AND all other common expense
**optional 住院現金
cover 80% expense (if exceed the normal fee limits)
guarantee renewal (life or > 80?)
charge: fixed preferred (expensive?), non-fixed also acceptable
could anyone give me some insurance plan suggestion?
(of course charge not too high lor...possible for $4K-5K per year??
if not what is the mininum?)
thank you .
