스크랩 부부보험좀 봐주세요 좀 길어요

[슈파레이디]

가입당시 만25세 현재 만27세 남자 상해급수 3급 

생명보험 있으나 뭔지 모름 시어머니 한테 있음 없는셈 치고 있음

삼성화재 보험료 84.860

담보                                       납입/보험기간                         가입금액                          보장보험료

상해사망 후유장해                   25년납60세만기                    30.000.000                            9.600

상해사망 후유장해                   25년납80세만기                    10.000.000                            3.800

교통상해사망후유장해              25년납80세만기                  100.000.000                           10.000

상해소득보상금                        25년납70세만기                   30.000.000                            9.000

상해입원일당                            5년납 5년만기                           20.000                            5.220

뇌내장손상수술비                    25년납80만기                        10.000.000                           1.500

골절화상치료비                       5년납5년만기                             200.000                               520

자동차사고부상위로금              5년납5년만기                        2.000.000                                880

질병사망                                 25년납60세만기                   60.000.000                            13.200

질병고도장해재활자금              25년납70세만기                   10.000.000                              3.700

질병입원일당                           5년납5년만기                            30.000                              1.890

뇌졸중치료비용                       5년납5년만기                        30.000.000                                780

급성심근경색증치료비용          5년납5년만기                        30.000.000                                570

암진단비                                 5년납5년만기                        30.000.000                              1.200

암입원일당                             5년납5년만기                              60.000                                 120

입원의료비 (365일한도)           5년납5년만기                         30.000.000                            9.980

통원의료비                              5년납5년만기                             100.000                             3.100

장기이식수술비                       25년납80세만기                    20.000.000                                 170

조혈모세포이식수술비              25년납80세만기                    10.000.000                                  40

만성당뇨합병증진단비             25년납 80세만기                     5.000.000                                 560

벌금                                        5년납5년만기                       20.000.000                                 330

형사합의지원금                       5년납5년만기                        20.000.000                              4.160

방어비용                                 5년납5년만기                         5.000.000                               2.450

자동차보험료할증지원금          5년납5년만기                         200.000                                  2.090

새로설계받음

현재 만27세 상해급수 2급

메리츠화재 126.000원

담보                                                                                              가입금액                                        보험료

기본계약(상해사망후유장해)(60세납80세만기)                                  100.000                                          19.600 

선택계약  질병사망 (60세납   80세만기)                                             30.000                                          18.360

질병사망(추가1)(60세납 60세만기)                                                    50.000                                           8.850   

질병특정고도장해 소득보상금(60세납80세만기)                                 50.000                                             1.600 

갱신형 상해입원의료비 (3년납3년만기 갱신종료80세)                         30.000                                            1.280

           질병입원의료비III (            "             "    )                                30.000                                            1.890

           상해통원의료비 (          "           "           )                                   100                                               390

            질병통원의료비III(      "           "             )                                   100                                             1.050

상해입원일당 (1일이상)(60세납80세만기)                                               20                                             4.982 

갱신형 질병입원일당 (1일이상)(3년납3년만기 갱신종료 80세)                  30                                               810

            암진단비                       (  "                         "   )                   30.000                                              810

            고액암진단비 (          "                    "        )                           20.000                                             160

             급성심근경색증진다   ( "          "    )                                     30.000                                              360

            뇌졸중진단비 ("                 "      )                                          30.000                                              600   

            암입원일당 (  "              "         )                                                  50                                              40

 중대상해수술비  (60세납 80세만기)                                                     5.000                                            560 

 5대장기이식수술비 ( "         "   )                                                        20.000                                            154   

골절(치아파절제외)및화상진단비 (60세납 80만기)                                   200                                             677

일상생화중배상책임 II (60세납 80세만기)                                           100.000                                            110

활동불능간병비 (60세납 80세만기)                                                      10.000                                          1.720

치매간병비     (   "               "       )                                                     10.000                                           2.040

상해흉터복원수술비 ( "                 ")                                                     5.000                                             160

갱신형 남성 7대질병수술비 (3년납3년만기 갱신종료80세)                     2.000                                                96

벌금(60세납 80세만기)                                                                       20.000                                             405

방어비용(   "     "      )                                                                          5.000                                           1.450

면허정지위로금(   "         ")                                                                      20                                              382

면허취소위로금(  "                   ")                                                          2.000                                             540

형사합의지원금(      "            "        )                                                    50.000                                          4.700

자동차보험료할증지원금 (   "          "   )                                                     100                                          3.589

긴급비용     (      "                "     )                                                             100                                           250

보장보험료 (자동갱신특약보험료 제외)                                                                                                      70.129

적립보험료   3년갱신상품이 60세이상이 됐을때 80세까지 적립보험료로충당된다고함                                    55.871

                                                                                                                                                             126.000

가입당시 만23세 현재 만25세 여자 주부 상해급수 1 운전면허없음

우체국 올커버암치료보험 13.800 10년납80만기

삼성화재 보험료 44.270

담보                                     납입/보험기간                       가입금액                                 보장보험료

상해사망후유장해                 20년납80세만기                    60.000.000                                      4.200

교통상해사망후유장해           20년납80세만기                  100.000.000                                      1.000

상해소득보상금                     20년납70세만기                    50.000.000                                      3.000

상해입원일당                        5년납5년만기                              30.000                                      3.450

치명적화상부식치료비           20년납80세만기                    20.000.000                                           80

뇌내장손상수술비                  20년납80세만기                   10.000.000                                          700

상해간병비                            5년납5년만기                        1.000.000                                       1.020

골절화상치료비                      5년납5년만기                          200.000                                          520 

자동차사고부상위로금            5년납5년만기                       2.000.000                                           260    

질병사망                                20년납60세만기                  60.000.000                                        9.000

질병고도장해재활자금            20년납70세만기                  10.000.000                                        3.600

질병입원일당                         5년납5년만기                            30.000                                        1.380

뇌졸중치료비용                     5년납5년만기                      30.000.000                                           300

급성심근경색증치료비용        5년납5년만기                      30.000.000                                           180

암진단비                               5년납5년만기                      30.000.000                                        2.700 

암입원일당                            5년납5년만기                            60.000                                           180

입원의료비                            5년납5년만기                      30.000.000                                        9.410

통원의료비                            5년납5년만기                           100.000                                        2.710

장기이식수술비                     20년납80세만기                   20.000.000                                           110

조혈모세포이식수술비            20년납80세만기                  10.000.000                                             40

만성당뇨합병증진단비            20년납80세만기                    5.000.000                                           430

현재 만25세 상해급수 1급

메리츠화재 보험료 73.000

담보                                                                                              가입금액                                        보험료

기본계약(상해사망후유장해)(60세납80세만기)                                  100.000                                          4.400

선택계약  질병사망 (60세납   80세만기)                                             30.000                                          9.510

질병사망(추가1)(60세납 60세만기)                                                    50.000                                           4.500  

질병특정고도장해 소득보상금(60세납80세만기)                                 50.000                                             1.250 

일반상해 소득보상금(60세납 80세만기)                                             50.000                                             100

갱신형 상해입원의료비 (3년납3년만기 갱신종료80세)                         30.000                                            830

           질병입원의료비III (            "             "    )                                30.000                                            2.810

           상해통원의료비 (          "           "           )                                   100                                               290

            질병통원의료비III(      "           "             )                                   100                                             2.030

상해입원일당 (1일이상)(60세납80세만기)                                               10                                           1.536 

갱신형 질병입원일당 (1일이상)(3년납3년만기 갱신종료 80세)                  30                                               1.113

            암진단비                       (  "                         "   )                   30.000                                              1.410

            고액암진단비 (          "                    "        )                           10.000                                             70

             급성심근경색증진다   ( "          "    )                                     30.000                                              120

            뇌졸중진단비 ("                 "      )                                          30.000                                              240  

            암입원일당 (  "              "         )                                                  50                                              120

 중대상해수술비  (60세납 80세만기)                                                     5.000                                            325

 5대장기이식수술비 ( "         "   )                                                        20.000                                            84 

골절(치아파절제외)및화상진단비 (60세납 80만기)                                   200                                             665

일상생화중배상책임 II (60세납 80세만기)                                           100.000                                            110

활동불능간병비 (60세납 80세만기)                                                      10.000                                          1.570

치매간병비     (   "               "       )                                                     10.000                                           1.850

상해흉터복원수술비 ( "                 ")                                                     5.000                                             158

유방절제수술비 (   "          "      )                                                          1.000                                                23

갱신형 여성특정질병수술비 (3년납 3년만기 갱신종료 80세)                    2.000                                              16                  

보장보험료 (자동갱신특약보험료 제외)                                                                                                       26.081

적립보험료   3년갱신상품이 60세이상이 됐을때 80세까지 적립보험료로충당된다고함                                    46.919

                                                                                                                                                              73.000

삼성화재 에서 메리츠로 갈아탈까 아님아예 다른데로 갈까 고민중이거든요

삼성화재 적립금도 없고 환급금도 없고 그래서 아까울껀 없는데..

갱신이 5년짜리가 낫다는 얘기를 들어서..

그런데요 적립금으로 갱신될때 보험료오른거 충당되는게 아닌가요??

메리츠는 60세 이상되서 돈을 벌지 않으니 적립금으로 80세까지 보장 된데서 좋은데 현재 살짝 부담이 되고 그래요..

어떤게 좋을까요

딸34개월  메리츠 자녀애찬  상해급수1급

담보                                                                                     가입금액                                           보험료

기본계약

일반상해사망후유장해                                                               20.000                                           500

선택계약                                                       

일반상해후유장해추가                                                             100.000                                           1.300

일반상해재활자금                                                                     50.000                                            200

중대상해수술비                                                                          5.000                                             160

상해흉터복원수술비                                                                    5.000                                            133

골절진단비(치아파절제외)                                                              200                                           478

화상진단비                                                                                   200                                              82

중증화상및부식진단비                                                              20.000                                              40

일반상해의료실비                                                                     10.000                                           2.749

일반상해입원일당(1일이상)                                                             20                                           2.588

일반상해입원일당(30일이상)                                                           10                                              456

갱신형암진단비(3년납3년만기)                                                  20.000                                              400            

갱신형고액암진단비(3년납3년만기)                                           30.000                                              390

양성뇌종양진단비                                                                       3.000                                               12

심장관련소아특정질병진단비                                                     10.000                                              41

피부질환수술비                                                                          1.000                                              23

충수염수술비                                                                               500                                              156

호흡기관련질병수술비                                                                  100                                               2

조혈모세포이식수술비                                                              20.000                                              60

특정전염병위로금                                                                        500                                               15

질병재활자금                                                                           50.000                                              150

갱신형질병입원일당(1일이상)(3년납3년만기)                                   20                                                698

갱신형질병입원일당(31일이상)(3년납3년만기)                                 10                                                 18

갱신형암입원일당(3년납3년만기)                                                  100                                                 180

갱신형질병입원의료비III(3년납3년만기)                                     30.000                                              1.695

갱신형질병통원의료비III(3년납3년만기)                                         100                                               2.590

안전사고위로금                                                                        2.000                                                238

5대장기이식수술비                                                                 20.000                                                 26

각막이식수술비                                                                        10.000                                               3

깁스치료비                                                                                  100                                               253

자녀배상책임(II)                                                                      100.000                                               41

이렇게 6개월된 남동생이랑 같은보장내용으로 둘이합쳐 68.600원 이였는데

환급금을 최저로 낮춰 설계해다라니.. 5만원쫌 못되는 가격이라고 하시더라구요

메리츠 자녀애찬 아님 현대해상굿앤굿으로 알아보고 있는데..

위의 자녀애찬 괜찮은건가요??

아이들께 괜찮다면 메리츠로 가족모두 바꾸고

현대해상이 낳을듯 하다 부모들 메리츠도 별로다

하시면 여러회사꺼 하시는분에게 가족모두 다시 설계하려구요