|
¿¡½º´õ±³À°ÄÁ¼³ÆÃ >> À¯¿ëÇÑ Á¤º¸ >> À¯Çлýº¸Çè |
 |
|
 |
À¯Çлý º¸ÇèÀÇ °³¿ä |
 |
 |
À¯Çлý º¸ÇèÀÇ °³¿ä

À¯ÇÐÀ̳ª ¾îÇп¬¼ö¸¦ ÁغñÇÒ ¶§ ²À ÇÊ¿äÇÑ °Í ÁßÀÇ Çϳª°¡ À¯Çлý º¸ÇèÀÌ´Ù. ƯÈ÷ ÀÇ·áºñ°¡ ºñ½Ñ ´ëºÎºÐÀÇ ¼±Áø±¹¿¡¼ »ç°í³ª Áúº´ÀÌ ¹ß»ýÇÏ¿´À» °æ¿ì ¾öû³ ºñ¿ë°ú ¿©·¯ °¡Áö 󸮹®Á¦·Î °ï¶õÇÑ °æÇèÀ» ÇÒ ¼ö Àֱ⠶§¹®ÀÌ´Ù. ¶Ç ÇØ´ç ±¹°¡ÀÇ ÀÔÀå¿¡¼ À¯ÇлýÀº ¿Ü±¹ÀÎ ½ÅºÐÀ¸·Î Àå±â ü·ùÇÏ´Â °ÍÀ¸·Î »ç°í³ª Áúº´ÀÇ ´ëÇÑ ´ãº¸·Î À¯Çлý º¸Çè°¡ÀÔÀÌ ²À ÇÊ¿äÇϱ⠶§¹®¿¡ À¯Çлý ÀǷẸÇèÀº ¹Ì±¹, ij³ª´Ù, È£ÁÖ µî ´ëºÎºÐÀÇ ±¹°¡¿¡¼ °¡ÀÔÀǹ«¸¦ ¸í½ÃÇØ ³õ°í ÀÖ´Ù. ±×·¯¹Ç·Î ÀÔÇÐÇϱâ ÀüÈÄ¿¡ º¸Çè¿¡ °¡ÀÔÇß´Ù´Â Áõ¼¸¦ ¹Ýµå½Ã Çб³¿¡ Á¦ÃâÇØ¾ß Çϸç, ´ëºÎºÐ Çб³¿¡¼ º¸Çè¿¡ ´ëÇÑ ¾È³»°¡ ÀÖ½À´Ï´Ù.
¾î¶°ÇÑ º¸Çè¿¡ °¡ÀÔÇØ¾ß Çϴ°¡?

ÇýÅÃÀÇ ¹üÀ§°¡ Çѱ¹¿¡¸¸ Á¦ÇѵǴ ÀÏ¹Ý ±¹³»ÀÇ ÀǷẸÇèÀ̳ª »ý¸íº¸Çè(Life Insurance)Àº ÇöÁö ±¹°¡¿¡¼ ÀÎÁ¤µÇÁö ¾ÊÀ¸¹Ç·Î ¹Ýµå½Ã ÇØ´ç ±¹°¡¿¡¼ ÀǷẸÇè ÇýÅÃÀ» ÁÖ´Â º¸Çè¿¡ °¡ÀÔÇØ¾ß ÇÑ´Ù. °æ¿ì¿¡ µû¶ó¼´Â Çб³Ãø¿¡¼ º¸Çè¿¡ ´ëÇÑ Coverage³ª ȸ»ç¸¦ Á¤ÇØ ³õ°í Çб³¿¡¼ Á¦½ÃÇÏ´Â º¸ÇèÀ» ²À °¡ÀÔÇÏ¼Å¾ß ÇÏ´Â °æ¿ìµµ ÀÖ´Ù. ±×·¸Áö ¾ÊÀº °æ¿ì¿¡´Â ÇöÁö¿¡¼º¸´Ù´Â Çѱ¹¿¡¼ ¹Ì¸® º¸Çè¿¡ °¡ÀÔÇØ °¡´Â °ÍÀÌ ÈξÀ °æÁ¦ÀûÀ̰í È¿À²ÀûÀÌ´Ù. ¿¹¸¦ µé¾î ÁÖ¿ä ¹Ì±¹ ´ëÇÐÀ̳ª ¿µ¾îÇб³ÀÇ º¸Çè·á´Â 1°³¿ù¿¡ ¾à 60-100´Þ·¯ Á¤µµ·Î ³â°£ 700-1,200´Þ·¯ Á¤µµÀÇ ºñ½Î´Ù. ¹Ý¸é, Çѱ¹¿¡¼ ÀǷẸÇè¿¡ °¡ÀÔÇÏ¸é ¿¬°£ ºÎ´ã±ÝÀÌ ¾à 30-60¸¸¿ø Á¤µµ·Î ¹Ì±¹µî ÇöÁö ±¹°¡ÀÇ ´ëÇÐÀ̳ª ¾îÇп¬¼ö Çб³¿¡¼ Á¦°øÇÏ´Â À¯Çлý ÀǷẸÇè¿¡ ºñÇØ Àú·ÅÇÏ´Ù. Çѱ¹¿¡¼ º¸Çè¿¡ °¡ÀÔÇÑ °æ¿ì¿¡´Â ¹Ýµå½Ã À¯ÇРü·ù ±¹°¡¿¡¼ ÇýÅÃÀ» ¹ÞÀ» ¼ö ÀÖ´ÂÁö »ìÆìº¸¾Æ¾ß ÇÑ´Ù.
À¯Çлý º¸ÇèÀÇ ±â°£ ¿¬Àå

À¯Çлý ÀǷẸÇèÀ» ¿¬ÀåÇÒ °æ¿ì¿¡´Â ¹Ýµå½Ã ¸¸±âÀÏ Àü¿¡ ¿¬ÀåÀ» ÇØ¾ß ÇÑ´Ù. Ȥ½Ã³ª, ¸¸±â ÈÄ¿¡ »óÇØ³ª Áúº´ÀÌ »ý±ä ÈÄ¿¡ ÀǷẸÇèÀ» ¿¬ÀåÇϰųª ½Å±Ô·Î °¡ÀÔÀ» °æ¿ì´Â ÀÇ·áÇýÅÃÀ» ¹ÞÀ» ¼ö°¡ ¾ø´Ù.
À¯Çлý º¸Çè °¡ÀÔ ÀýÂ÷

1. º¸ÇèÁ¾·ù ¹× ±â°£ °áÁ¤ À¯ÇÐÀ» °¡°íÀÚ ÇÏ´Â ³ª¶ó¿Í ±â°£¿¡ µû¶ó º¸Çè»óǰ ¹× ±â°£À» °áÁ¤Çϼż º¸Çè ½ÅûÀ» ÇÕ´Ï´Ù.
2. º¸Çè½Åû¼ ÀÛ¼º º¸Çè½Åû¿¡ ÇÊ¿äÇÑ °³ÀνŻó ¹× ±âŸ»çÇ×À» ÀÛ¼ºÇÕ´Ï´Ù.
3. ´ë±Ý°áÁ¦ º¸Çè½ÅûÀ» ¿Ï·áÇÏ½Ã¸é ½ÅûÇϽŠº¸Çè»óǰ, ±â°£¿¡ µû¶ó ±Ý¾×ÀÌ Á¤ÇØÁö¸é ¿Â¶óÀÎ ÀÔ±ÝÀ» ÅëÇØ °áÁ¦¸¦ ¿Ï·áÇÏ½Ã¸é µË´Ï´Ù.
4. º¸ÇèÁõ±Ç¹ßÇà °áÁ¦È®ÀÎÈÄ º¸Çè¼ö¼ÓÀÌ ÁøÇàµÇ¾î º¸ÇèÁõ±ÇÀÌ ¹ßÇàµË´Ï´Ù
5. º¸ÇèÁõ±Ç¹ß¼Û º¸ÇèÁõ±ÇÀÌ ¹ßÇàÈÄ ¿ìÆíÀ¸·Î ¹ß¼ÛÇØ µå¸®¸ç, ¶ÇÇÑ Á÷Á¢ ¹æ¹®Çϼż ãÀ» ¼öµµ ÀÖ½À´Ï´Ù.
ÀúÈñ À¯ÇÐÀÚ·á½ÇÀ» ÅëÇØ ¼ö¼ÓÇÏ½Ç °æ¿ì À¯Çлý º¸Çè °¡ÀÔÀ» ¹«·á·Î ´ëÇàÇØ µå¸³´Ï´Ù
|
 |
À¯Çлýº¸Çè µé±â (ACE¾Æ¸Þ¸®ÄÈÀ纸Çè) |
 |
 |
 Ace ¾Æ¸Þ¸®Ä ÈÀ纸Çè(http://www.aceinsurance.co.kr/)Àº ¹Ì±¹¿¡ º»»ç°¡ ÀÖÀ¸¸ç Àü¼¼°è¿¡ ÁÖ¿ä ±¹°¡ ¹× ÁÖ¿ä µµ½Ã¿¡ Áö»ç°¡ ÀÖÀ¸¸ç 24½Ã°£ SOS ±ä±Þ¼ºñ½º¸¦ ¹ÞÀ» ¼ö ÀÖ´Ù.
|
 |
ÇØ¿ÜÀ¯Çлý º¸Çè·áÇ¥ (ACE¾Æ¸Þ¸®ÄÈÀ纸Çè) |
 |
 |
2001. 6. 1 ½ÃÇà |
(us$±âÁØ) |
(won±âÁØ) |
PLAN |
S1 |
S2 |
S3 |
S4 |
S5 |
S6 |
S7 |
S8 |
S9 |
º¸»óÇѵµ¾× |
»óÇØ |
»ç¸Á,ÈÄÀ¯Àå¾Ö |
50,000 |
50,000 |
30,000 |
30,000 |
30,000 |
20,000 |
50,000 |
50,000 |
30,000 |
»óÇØÄ¡·á |
100,000 |
75,000 |
50,000 |
50,000 |
30,000 |
20,000 |
100,000 |
75,000 |
50,000 |
Áúº´ |
Áúº´Ä¡·á |
10,000 |
75,000 |
50,000 |
50,000 |
30,000 |
20,000 |
10,000 |
75,000 |
50,000 |
¸éÃ¥±Ý¾× |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
Áúº´»ç¸Á |
15,000 |
15,000 |
15,000 |
15,000 |
10,000 |
20,000 |
15,000 |
15,000 |
15,000 |
Ưº°ºñ¿ë |
35,000 |
35,000 |
25,000 |
17,500 |
10,000 |
17,500 |
35,000 |
35,000 |
25,000 |
º¸Çè·á |
1 MONTH |
202.52 |
155.13 |
107.08 |
103.84 |
64.18 |
46.86 |
76,620 |
65,070 |
54,910 |
45 MONTH |
243.02 |
186.16 |
128.51 |
124.61 |
77.02 |
56.23 |
91,950 |
78,090 |
65,890 |
2 MONTH |
303.79 |
232.70 |
160.64 |
155.77 |
96.27 |
70.28 |
114,940 |
97,620 |
82,370 |
3 MONTH |
405.06 |
310.27 |
214.18 |
207.70 |
128.37 |
93.72 |
153,260 |
130,160 |
109,820 |
4 MONTH |
506.33 |
387.83 |
267.74 |
259.63 |
160.47 |
117.15 |
191,570 |
162,710 |
137,280 |
5 MONTH |
607.59 |
465.40 |
321.28 |
311.55 |
192.56 |
140.58 |
229,890 |
195,250 |
164,740 |
6 MONTH |
708.86 |
542.97 |
374.83 |
363.48 |
224.65 |
164.01 |
268,210 |
227,790 |
192,190 |
7 MONTH |
759.49 |
581.76 |
401.61 |
389.44 |
240.70 |
175.73 |
287,370 |
244,060 |
205,930 |
8 MONTH |
810.12 |
620.54 |
428.38 |
415.41 |
256.74 |
187.45 |
306,530 |
260,330 |
219,660 |
9 MONTH |
860.76 |
659.32 |
455.15 |
441.37 |
272.80 |
199.16/td>
| 325,690 |
276,600 |
233,390 |
10 MONTH |
911.39 |
698.10 |
481.93 |
467.33 |
288.84 |
210.88 |
344,850 |
292,880 |
247,120 |
11 MONTH |
962.03 |
736.89 |
508.70 |
493.30 |
304.88 |
222.59 |
364,000 |
309,150 |
260,850 |
12 MONTH |
1,012.66 |
775.68 |
535.48 |
519.27 |
320.94 |
234.31 |
383,160 |
325,420 |
274,580 |
- »ó±â º¸Çè·áÇ¥´Â ¸¸ 15~30¼¼ °¡ÀÔÀÚ¿ëÀÔ´Ï´Ù.
( ´Ü, 30¼¼ ÃʰúÇÏ´Â ¹ÌÈ¥ À¯ÇлýÀÎ °æ¿ì´Â º»»ç ½ÉÀÇÈÄ °¡ÀÔÇϽñ⠹ٶø´Ï´Ù.)
- ¸¸ 1~15¼¼ ¹Ì¸¸ Àμö±ÝÁö
- Áúº´Ä¡·á½Çºñ¿¡ ´ëÇÑ ¸éÃ¥±Ý¾×Àº ´çÀÏ ¿ÜÇÑÀºÇà1Â÷°í½Ã Àü½Åȯ ¸ÅµµÀ²·Î ³ª´©¾î Áõ±Ç»ó¿¡ US$·Î Ç¥±âµÊ.
- º¸Çè·á¸¦ ¿øÈ·Î ÁöºÒÇϰíÀÚ ÇÒ °æ¿ì, °è¾à ´çÀÏ ¿ÜȯÀºÇà 1Â÷°í½Ã ´ë°í°´ Àü½Åȯ ¸ÅµµÀ²·Î ȯ»êÇÏ¿© ÀÔ±Ý °¡´É.
|
 |
ÇØ¿ÜÁ¶±âÀ¯Çлý º¸Çè·áÇ¥(ACE¾Æ¸Þ¸®Ä ÈÀ纸Çè) |
 |
 |
2001. 6. 1 ½ÃÇà |
(us$±âÁØ) |
(won±âÁØ) |
PLAN |
Y1 |
Y2 |
Y3 |
Y4 |
Y5 |
Y6 |
Y7 |
Y8 |
º¸»óÇѵµ¾× |
»óÇØ |
»ç¸Á,ÈÄÀ¯Àå¾Ö |
50,000 |
50,000 |
30,000 |
30,000 |
20,000 |
3,000¸¸ |
2,500¸¸ |
2,000¸¸ |
»óÇØÄ¡·á |
60,000 |
60,000 |
50,000 |
30,000 |
20,000 |
3,500¸¸ |
3,000¸¸ |
2,500¸¸ |
Áúº´ |
Áúº´Ä¡·á |
60,000 |
50,000 |
50,000 |
30,000 |
20,000 |
3,000¸¸ |
2,500¸¸ |
2,000¸¸ |
¸éÃ¥±Ý¾× |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
Ưº°ºñ¿ë |
30,000 |
20,000 |
17,500 |
15,000 |
15,000 |
1,500¸¸ |
1,500¸¸ |
1,500¸¸ |
º¸Çè·á |
1 MONTH |
127.9 |
107.40 |
104.40 |
64.66 |
43.45 |
67,900 |
57,300 |
46,690 |
45 MONTH |
153.49 |
128.94 |
125.28 |
77.60 |
52.14 |
81,490 |
68,760 |
56,020 |
2 MONTH |
191.86 |
161.18 |
156.61 |
97.00 |
65.17 |
101,860 |
85,950 |
70,030 |
3 MONTH |
255.81 |
214.90 |
208.81 |
129.34 |
86.90 |
135,820 |
114,600 |
93,380 |
4 MONTH |
319.77 |
268.64 |
261.02 |
161.68 |
108.60 |
169,780 |
143,250 |
116,720 |
5 MONTH |
383.73 |
322.36 |
313.22 |
194.02 |
130.35 |
203,740 |
171,910 |
140,070 |
6 MONTH |
447.68 |
376.09 |
365.42 |
226.35 |
152.07 |
237,690 |
200,550 |
163,410 |
7 MONTH |
479.66 |
402.96 |
391.53 |
242.53 |
162.94 |
254,670 |
214,880 |
175,090 |
8 MONTH |
511.64 |
429.82 |
417.63 |
258.69 |
173.80 |
271,650 |
229,210 |
186,760 |
9 MONTH |
543.62 |
456.68 |
443.73 |
274.87 |
184.66 |
288,630 |
243,540 |
198,440 |
10 MONTH |
575.60 |
483.55 |
469.83 |
291.03 |
195.54 |
305,610 |
257,860 |
210,120 |
11 MONTH |
607.57 |
510.42 |
495.93 |
307.02 |
206.40 |
322,590 |
272,190 |
221,780 |
12 MONTH |
639.55 |
537.28 |
522.04 |
323.37 |
217.26 |
339,570 |
286,520 |
233,460 |
- »ó±â º¸Çè·áÇ¥´Â ¸¸1¼¼ÀÌÇÏ´Â Àμö±ÝÁöÇϸç 15¼¼¹Ì¸¸ÀÚ Àü¿ë º¸Çè·áÇ¥ÀÔ´Ï´Ù. ±×¿Ü °è¾àÀÚ´Â º»»ç·Î ¿¬¶ôÇÏ¿© Áֽñ⠹ٶø´Ï´Ù.
- Áúº´Ä¡·á½Çºñ¿¡ ´ëÇÑ ¸éÃ¥±Ý¾×Àº ´çÀÏ ¿ÜÇÑÀºÇà 1Â÷°í½Ã Àü½Åȯ ¸ÅµµÀ²·Î ³ª´©¾î Áõ±Ç»ó¿¡ US$·Î Ç¥±âµÊ.
- º¸Çè·á¸¦ ¿øÈ·Î ÁöºÒÇϰíÀÚ ÇÒ °æ¿ì, °è¾à ´çÀÏ ¿ÜÇÑÀºÇà 1Â÷°í½Ã ´ë°í°´ Àü½Åȯ ¸ÅµµÀ²·Î ȯ»êÇÏ¿© ÀÔ±Ý °¡´É
|
 |
ÇØ¿Ü±³È¯±³¼ö,Àå±âü·ùÀÚ º¸Çè·áÇ¥(ACE¾Æ¸Þ¸®Ä ÈÀ纸Çè) |
 |
 |
2001. 6. 1 ½ÃÇà |
(us$±âÁØ) |
(won±âÁØ) |
PLAN |
P1 |
P2 |
P3 |
P4 |
P5 |
P7 |
P8 |
P9 |
º¸»óÇѵµ¾× |
»óÇØ |
»ç¸Á,ÈÄÀ¯Àå¾Ö |
10,000 |
50,000 |
30,000 |
30,000 |
20,000 |
3,500¸¸ |
3,000¸¸ |
2,500¸¸ |
»óÇØÄ¡·á |
75,000 |
50,000 |
50,000 |
30,000 |
20,000 |
3,500¸¸ |
3,000¸¸ |
2,500¸¸ |
Áúº´ |
Áúº´Ä¡·á |
75,000 |
50,000 |
50,000 |
30,000 |
20,000 |
3,000¸¸ |
2,500¸¸ |
2,000¸¸ |
¸éÃ¥±Ý¾× |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
10¸¸¿ø |
Áúº´»ç¸Á |
15,000 |
15,000 |
15,000 |
15,000 |
10,000 |
1,500¸¸ |
1,500¸¸ |
1,500¸¸ |
Ưº°ºñ¿ë |
35,000 |
25,000 |
17,500 |
15,000 |
15,000 |
1,500¸¸ |
1,500¸¸ |
1,500¸¸ |
º¸Çè·á |
1 MONTH |
16.908 |
111.74 |
108.36 |
68.62 |
46.09 |
72,580 |
61,980 |
51,370 |
45 MONTH |
202.89 |
134.10 |
130.03 |
82.35 |
55.30 |
87,100 |
74,370 |
61,640 |
2 MONTH |
253.62 |
167.62 |
162.55 |
102.94 |
69.13 |
108,880 |
92,970 |
77,050 |
3 MONTH |
338.16 |
223.50 |
216.73 |
137.26 |
92.18 |
145,180 |
123,960 |
102,740 |
4 MONTH |
422.70 |
279.38 |
270.92 |
171.58 |
115.22 |
181,480 |
154,950 |
128,420 |
5 MONTH |
507.24 |
335.25 |
325.10 |
205.90 |
138.27 |
217,780 |
185,950 |
154,110 |
6 MONTH |
591.78 |
391.12 |
379.28 |
240.21 |
161.31 |
254,070 |
216,930 |
179,790 |
7 MONTH |
634.05 |
419.07 |
406.38 |
257.37 |
172.84 |
272,230 |
232,440 |
192,640 |
8 MONTH |
676.32 |
447.01 |
433.47 |
274.53 |
184.36 |
290,370 |
247,930 |
205,480 |
9 MONTH |
718.59 |
474.94 |
460.56 |
291.69 |
195.88 |
308,530 |
263,420 |
218,320 |
10 MONTH |
760.86 |
502.88 |
487.65 |
308.85 |
207.42 |
326,670 |
278,920 |
231,180 |
11 MONTH |
803.13 |
530.82 |
514.75 |
326.01 |
218.94 |
344,820 |
294,420 |
244,020 |
12 MONTH |
845.41 |
558.76 |
541.84 |
343.17 |
230.46 |
362,970 |
309,920 |
256,860 |
- »ó±â º¸Çè·áÇ¥´Â ¸¸31~60¼¼ °¡ÀÔÀÚ¿ëÀÔ´Ï´Ù.
- ¸¸ 1~5¼¼ ¹Ì¸¸ Àμö±ÝÁö
- Áúº´Ä¡·á½Çºñ¿¡ ´ëÇÑ ¸éÃ¥±Ý¾×Àº ´çÀÏ ¿ÜÇÑÀºÇà 1Â÷°í½Ã Àü½Åȯ ¸ÅµµÀ²·Î ³ª´©¾î Áõ±Ç»ó¿¡ US$·Î Ç¥±âµÊ.
- º¸Çè·á¸¦ ¿øÈ·Î ÁöºÒÇϰíÀÚ ÇÒ °æ¿ì, °è¾à ´çÀÏ ¿ÜÇÑÀºÇà 1Â÷°í½Ã ´ë°í°´ Àü½Åȯ ¸ÅµµÀ²·Î ȯ»êÇÏ¿© ÀÔ±Ý °¡´É.
|
 |
|
|