Nhieu nguoi tha mac rang phi bao hiem nhan tho Dai-ichi duoc tinh theo cong thuc phuc tap. Bai viet nay giai thich don gian cach phi bao hiem duoc xac dinh.
Cac yeu to anh huong phi bao hiem Dai-ichi
- Tuoi tham gia: Tuoi cang cao, phi cang dat. Vi du: tuoi 25 dong khoang 7 trieu/nam, tuoi 40 dong khoang 12 trieu/nam cho cung muc bao hiem.
- Gioi tinh: Nu gioi thuong co phi cao hon mot chut (do tuoi tho cao hon, xac suat boi thuong cao hon).
- Tinh trang suc khoe: Khoe manh = phi chuan. Co benh nen hoac tien su benh nang = co the phu phi hoac tu choi.
- So tien bao hiem mong muon: So tien bao hiem 500 trieu se co phi gap doi so voi 250 trieu.
- Thoi han hop dong: Hop dong 20 nam co phi thap hon 10 nam (vi chia nho tren nhieu nam).
- San pham chon: Bao hiem thuan tuy (term life) phi thap nhat. Bao hiem tron doi + tich luy phi cao hon.
Vi du tinh phi cu the
Truong hop 1: Nam 30 tuoi, khoe manh, mua An Tam Song Hanh Thinh Vuong, so tien BH 500 trieu, thoi han 20 nam: Phi khoang 10-12 trieu/nam.
Truong hop 2: Nu 35 tuoi, mua the CSSK 24/7 goi Cao Cap: Phi khoang 2.7-3 trieu/nam.
Truong hop 3: Be 5 tuoi, the CSSK 24/7 goi Cao Cap: Phi khoang 2.9 trieu/nam.
Cach nhan bang phi chinh xac
De co bang phi chinh xac theo thong tin ca nhan cua ban, hay lien he hotline 0828 100 888. Chuyen vien se gui bang minh hoa quyen loi va bang phi chi tiet qua Zalo trong 5 phut.