<![CDATA[
<p>92년생 15년 12월 가입 현재 <span style="color: #000000;" data-ke-size="size20">89회</span><span style="color: #000000;" data-ke-size="size20">/240회</span> 납입 하였습니다. 20년납 100세만기입니다</p><p>보장내용이 너무 쓸데없는게 많고 좀 비싼 느낌이 있어서 해지 하면 손해일까요</p><p>아니면 내용을 빼고 추가해서 보완을 할까요 </p><p> </p><p>보장내용</p><p><a style="color: #000000;" href="https://www.hi.co.kr/serviceAction.do#div_guarSummary" target="_top" class="ke-link">요약</a> <a style="color: #777777;" href="https://www.hi.co.kr/serviceAction.do#div_guarDetail" target="_top" class="ke-link">상세</a></p><p>보장내용담보/보험기간가입금액/갱신보장보험료 합계</p><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%;" border="1"><tbody><tr><td style="text-align: center;">기본계약(상해고도후유장해)<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1억원</span></td></tr><tr><td style="text-align: center;">기본계약(상해사망)<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1억원</span></td></tr><tr><td style="text-align: center;">상해사망담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2062.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">2억원</span></td></tr><tr><td style="text-align: center;">질병사망담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">질병사망담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2062.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">질병후유장해(80%이상)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">골절진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">30만원</span></td></tr><tr><td style="text-align: center;">골절수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">60만원</span></td></tr><tr><td style="text-align: center;">화상진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">20만원</span></td></tr><tr><td style="text-align: center;">화상수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">50만원</span></td></tr><tr><td style="text-align: center;">상해수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">100만원</span></td></tr><tr><td style="text-align: center;">중대한특정상해수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">700만원</span></td></tr><tr><td style="text-align: center;">상해흉터성형수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">7만원</span></td></tr><tr><td style="text-align: center;">안면부상해흉터성형수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">200만원</span></td></tr><tr><td style="text-align: center;">깁스치료담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">20만원</span></td></tr><tr><td style="text-align: center;">상해입원일당(1일이상)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">3만원</span></td></tr><tr><td style="text-align: center;">상해입원일당(1일이상, 중환자실)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">10만원</span></td></tr><tr><td style="text-align: center;">응급실내원진료비(응급/비응급)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">2만원</span></td></tr><tr><td style="text-align: center;">질병입원일당(1일이상)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">2만원</span></td></tr><tr><td style="text-align: center;">질병입원일당(1일이상, 중환자실)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5만원</span></td></tr><tr><td style="text-align: center;">암진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">2,000만원</span></td></tr><tr><td style="text-align: center;">재진단암진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">고액치료비암진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">암직접치료입원일당(4일이상)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">10만원</span></td></tr><tr><td style="text-align: center;">암수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">300만원</span></td></tr><tr><td style="text-align: center;">항암방사선약물치료담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">100만원</span></td></tr><tr><td style="text-align: center;">2대질환수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">200만원</span></td></tr><tr><td style="text-align: center;">뇌졸중진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">급성심근경색증진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">질병수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">10만원</span></td></tr><tr><td style="text-align: center;">특정5대질병수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">10만원</span></td></tr><tr><td style="text-align: center;">특정질병수술(여성)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">100만원</span></td></tr><tr><td style="text-align: center;">16대질병수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">30만원</span></td></tr><tr><td style="text-align: center;">시각질환(백내장,녹내장)수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">10만원</span></td></tr><tr><td style="text-align: center;">충수염수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">20만원</span></td></tr><tr><td style="text-align: center;">탈장수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">20만원</span></td></tr><tr><td style="text-align: center;">크론병진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">300만원</span></td></tr><tr><td style="text-align: center;">장기이식수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">조혈모세포이식수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">2,000만원</span></td></tr><tr><td style="text-align: center;">중대한재생불량성빈혈진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">식중독입원일당(4일이상)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">3만원</span></td></tr><tr><td style="text-align: center;">특정전염병진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">10만원</span></td></tr><tr><td style="text-align: center;">각막이식수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">중증루푸스신염진단담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2072.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">자동차사고벌금담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">2,000만원</span></td></tr><tr><td style="text-align: center;">자동차사고변호사선임비용담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">500만원</span></td></tr><tr><td style="text-align: center;">자동차사고처리지원금(사망, 중과실, 중상해)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">3,000만원</span></td></tr><tr><td style="text-align: center;">자동차사고부상(운전자)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1,000만원</span></td></tr><tr><td style="text-align: center;">자동차사고성형수술담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">100만원</span></td></tr><tr><td style="text-align: center;">강력범죄피해담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">100만원</span></td></tr><tr><td style="text-align: center;">일상생활중배상책임(가족)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">1억원</span></td></tr><tr><td style="text-align: center;">의료사고법률비용담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2092.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">200만원</span></td></tr><tr><td style="text-align: center;">무배당상해입원실손의료비(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2024.12.14~2025.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5,000만원</span><br><span style="color: #007aeb;" data-ke-size="size18">갱신대상</span></td></tr><tr><td style="text-align: center;">무배당상해통원실손의료비(외래)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2024.12.14~2025.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">25만원</span><br><span style="color: #007aeb;" data-ke-size="size18">갱신대상</span></td></tr><tr><td style="text-align: center;">무배당상해통원실손의료비(처방조제)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2024.12.14~2025.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5만원</span><br><span style="color: #007aeb;" data-ke-size="size18">갱신대상</span></td></tr><tr><td style="text-align: center;">무배당질병입원실손의료비(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2024.12.14~2025.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5,000만원</span><br><span style="color: #007aeb;" data-ke-size="size18">갱신대상</span></td></tr><tr><td style="text-align: center;">무배당질병통원실손의료비(외래)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2024.12.14~2025.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">25만원</span><br><span style="color: #007aeb;" data-ke-size="size18">갱신대상</span></td></tr><tr><td style="text-align: center;">무배당질병통원실손의료비(처방조제)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2024.12.14~2025.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5만원</span><br><span style="color: #007aeb;" data-ke-size="size18">갱신대상</span></td></tr><tr><td style="text-align: center;">유방절제수술(갱신형)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2030.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">100만원</span><br><span style="color: #007aeb;" data-ke-size="size18">갱신대상</span></td></tr><tr><td style="text-align: center;">인공관절수술(갱신형)담보<br><span style="color: #777777;" data-ke-size="size18">2015.12.14~2030.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">100만원</span><br><span style="color: #007aeb;" data-ke-size="size18">갱신대상</span></td></tr><tr><td style="text-align: center;">(만기) 무배당상해입원실손의료비(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2023.12.14~2024.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5,000만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당상해입원실손의료비(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2022.12.14~2023.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5,000만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당상해통원실손의료비(외래)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2023.12.14~2024.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">25만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당상해통원실손의료비(외래)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2022.12.14~2023.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">25만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당상해통원실손의료비(처방조제)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2023.12.14~2024.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당상해통원실손의료비(처방조제)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2022.12.14~2023.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당질병입원실손의료비(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2023.12.14~2024.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5,000만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당질병입원실손의료비(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2022.12.14~2023.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5,000만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당질병통원실손의료비(외래)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2023.12.14~2024.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">25만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당질병통원실손의료비(외래)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2022.12.14~2023.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">25만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당질병통원실손의료비(처방조제)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2023.12.14~2024.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5만원</span></td></tr><tr><td style="text-align: center;">(만기) 무배당질병통원실손의료비(처방조제)(갱신형)담보_선택형Ⅱ<br><span style="color: #777777;" data-ke-size="size18">2022.12.14~2023.12.14</span></td><td style="text-align: center;"><span style="color: #ea7404;">5만원</span></td></tr></tbody></table></div><p> </p>
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· 보험&재테크 정보방
종합보험 검토 부탁드립니다
마카레나
추천 0
조회 176
25.03.12 13:03
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다음검색
첫댓글 회원님 병력사항을 알수 없어 조심스러우나
1. 전체 해지하시면 실손 재가입하셔야하고 가입하실 당시와 조건이 달라요
물론 15년 가입하셔서 15년뒤에는 그당시 판매하는 실손으로 재가입인 점있으나 현재 실손이 다소 유리합니다
그럼에도 해지 후 재가입하시고자 하신다면 실손 전화이 고지사항이 없거나 적으니 실손은 전환해보세요
2. 운전자보험은 한도등 변경이 많으니 담보 해지 하시고 재가입이 필요하고
3. 암과 뇌/심장질환에 대한 진단비는 있으나 가입금액이 적고
당시 기준으로는 문제가 없으나 뇌졸중,급성심근경색증으로 범위가 좁은 점이있어 보완은 필요해요
보험료 부담이 없으시면 오래 유지하신 보험이니 덜 필요한 내용 정리 / 암.뇌.심 진단비및 수술비등 보완쪽이 낫다 생각되오나
보험료를 낮추는것이 목적이시면 해지 후 재가입도 고려는 가능할 듯합니다
다만 무엇보다도 고지의무 파악 후 리모델링 방향 결정하시는 게 중요하므로 개별상담을 통해 고지 점검 토대로 보험 재정비 검토해보시는 것이 어떠실까요?
오픈카톡 : https://open.kakao.com/o/sk04Gn4b 이나
네임택 참고하셔서 카톡.쪽지.메일. 전화 등 편하신 방법으로 개별문의주시면
기보험 및 고지사항 점검토대로 자세한 내용 안내받아보실 수 있어요