買保險拒當冤大頭！看診前必懂的4大理賠防雷守則｜生病藥錢 EP4

台灣人到底多愛買保險？數據會說話：每人平均年繳14.4萬保費、手握9.7張保單，高居全球第13名。但諷刺的是，當你生病躺在病床，面對一疊疊醫療自費帳單時，最常聽到的可能是：「抱歉，這個項目無法理賠。」

為什麼買保單像把錢丟進水裡？最大癥結在於：多數人只在買保險時做功課，卻忽略看診前的準備也是決定理賠成敗的關鍵。保險不是護身符，是白紙黑字的商業契約。本篇文章帶你看懂真實世界的理賠生存法則，教你如何在看診前守住錢包。

本集重點：
📌病歷告知的雙面刃：誠實是義務，但是要斟酌
📌醫療自費的殘酷真相：只賠必要，不賠想要
📌實支實付與門診手術的條款陷阱：新舊保單差在哪？
📌拒絕理賠孤兒！看診前準備清單與神隊友挑選法則

《生病藥錢》是專為病人與照顧者打造的健康理財 Podcast。結合健康、理財與法律，帶領聽眾拆解生病後會遇到的真實問題，用深入淺出的方式幫助聽眾理解每一個病後選擇的關鍵。

Apple Podcast🔗https://podcasts.apple.com/us/podcast/id1880030312
Spotify🔗https://open.spotify.com/show/1upERRmhA3oM6wEDS12NPf
YouTube🔗https://www.youtube.com/@sick.needs.m0ney
KKBOX🔗https://podcast.kkbox.com/tw/channel/Kru2PqzmMEPTttetQZ
Instagram🔗https://www.instagram.com/sick.needs.money/

Transcript

SPEAKER_00 0:13

Cansan Chin to Gonkha in Put Daniel Tosa.

SPEAKER_01 0:18

Oh, you nice and some dangerous. No junk so my Taiwan and send the child and my bow. Mochi woman so challenged ton cheese and terrant may pinching bow fake out since dance one yeah no, may eager not main bow tan ha. Ranho pinching maker and young child dance botan, a chest chancho pay mean to the teas I mean not as early early in the shoots. Not in way to go bowtana gun woman bought in the page to go eat out in count to go sunk, can chimba and sham quant so much yeah, to be a quick so shampoo and e o chin ha shall need go.

SPEAKER_02 1:06

Hello, Shinjiang Memory Tom Cow and the Ha. How high power soon shrimp?

SPEAKER_01 1:27

Okay, actually comes a shame low and you'll be out in her tin jumha. So yeah, not yummy uh gold shots woman to shoot.

SPEAKER_02 1:40

With some consent chain out so gong without that soni the gong, who holds the gang essentially paid as a whole Wismers change out to a gong country, woman tongs on can of each and young to buy Iron Hong Hong Pum Pom Papa eas and chimetine earth sense fans. Had you baggage ho, earth sensing sense and as much as tong equunagan each and jung. Cash woman tonight, she does that ping di sha. Oh the pure union chin to the bushufa, tanglatus agents, I tell you. Down and how one can easily pimina jung. Then my bows and does pimisho. Well ho, ho bo di chi or to ho jigan con lider. Wine is that one chi gents and lip. Gong's eating bouch and eating her diaping. Not pinged out Sanisa Mayo Kentanas or your thing, young then you're mayor easy to any bang once the tremble job has done she being too white out. Now wine has a leap, hand bush in a cut the cheese on the mo is not to pay.

SPEAKER_00 3:10

To do a jink hangout.

SPEAKER_01 3:16

Even yes, she how much the bag go cheap.

SPEAKER_00 3:36

But the don't you guys nannier?

SPEAKER_02 3:51

Then she shouldn't rather nip there and so ya. Then I don't think how hoting, then you should win whole at the way I would say. How the sangri bat is on sangly by the channel hurdle or puts it. Hold on how she lurch yeah, not Niza Legit to San Idnish. Hold it down and high job. How I eaten you just higher too, yeah. Long learture how to push and changed by door. Lanhole is a my team about my sh earn yin. How you should just fool. Now you took a you ain't gonna see that you want so I tell her booty about the ping. Now down Juan Gongs argues so is my target that I Langa like a little senior or Tonya eager co yes in Tatio. We're gonna say night and you're cool, you're not a gun. Or man, that young fans, Tata, so Tatong, e no how to yet. Tattoo the good job, how to eat, sound banal, set out the sound banner. Says it's only out there. Hold on, Joe Number in which uh Jingwan If I mean the took a tiger and great thing, refine is uh body and also it's a pool and your each year. Then hi how just down so I took a shield as a people send the six chings and ping white. So not in time, so Taiwan I mean yeah, has a sweet true found then lose Taiwan dial and those. Uh involved some tie on a sweet. Tan heal cheat has all functions. Hasso dang it, I mean also nigga some me and another go tone may nigga link nigga, also means how two or more. How to must howder tone as active. So I mean also don't use your big tea. Hello, cheese jolle, hello your drunk. Not the manner, not Taiwan open my small my two. So it's a send the sink.

SPEAKER_00 8:46

Do it soon, she does dancing your ping and see just away a pie whole samping. So you might so you dump do samping yao chin, um say high passing.

SPEAKER_03 9:16

Do it.

SPEAKER_02 10:17

Not join the eastern town. She and told me, how does yellow to miss or so? Nothing will tell you, and so easy and china and told me. Time the whole chimney is on dance. Now what's on Yagan is so bad. Now Sabah Nash Shaman. Now we shall ching make a pink ping and just you tell so chint, changed what kind. Now we're going to be able to tell Nice as a cheap message.

SPEAKER_00 10:52

So he gone by who jungle fool.

SPEAKER_02 11:06

So how many can I come and she won't without the show, so none was it in a can I come. Now you just handle easy and so you guys bang the e ho ranger common sense. So how much of her like one more. Now women can only go. No, or two notchy, hang your shoulders, can day friendship. Now it's oh yeah, it's a whole sheet zone to zing and push and more her e you and down. Okay, I'd china or thousand coaches on the obligation. Now I should have law, that sends this. So far, just a shore. Faye beautiful eyes. Me or your manager. Me about one sentence also. Nate John the Taiwei. Nice on so eating some Tian Hodder.

SPEAKER_00 13:22

Oh, does this end to lung eat out being the gun sufu?

SPEAKER_02 13:29

Oh, yeah, I'm santon. Would you go lemi about pay? Lemmy o chien, well. Lemmy o shen, now take the dog gun su food, the child fancy. Why not? Well pushing. Not pinzo, just changed on who you're putting on the chunk. Mogachito and high guns. Do the ushes is how chicken turn. Joe Bajan Gongs Pope. Mm day. Moja Tremmo Moja Pupe. Hold like Joe Inchinger. So how do you like Gain Jong pupe?

SPEAKER_00 14:47

Hold like you and guess about who shall feel eating.

SPEAKER_02 14:54

Who has it so you're kind of do you find one just can up by the jet job pay junk I just beat on the sound? So you don't know.

SPEAKER_01 15:13

Don't she sang?

SPEAKER_02 15:20

Not that you pay that she's saying a pool in the don't she cool thing the chin soon good. Do it how do we moisture and tattoo the line young things about the poor chance, some about what's all she has meal young don't she? Nanny show you the so it does go to the teaching. Do it.

SPEAKER_00 16:12

Two Tigon to Bausha. Tigon to Baushan was Taiwan the Bang.

SPEAKER_02 16:20

Sell so how the rules bow shit at Goanita Ling Bali, time and Johabani passed down on the tree. Time to time a ton of side. Now dear the rules easing to be out, now just pay. Nani so doubt it she took you and doubt your must match out the bank too down and your rule has a gong easy to hand.

SPEAKER_01 17:15

In way Joe or so power potion and gun the Shang Young, say later, that by the co e took a pool, pool and saw cool. Shan the young chemin go to level the go down. So the white comes or cheese to machine. So he paid two chi code.

SPEAKER_02 18:43

Now how much social. Now it's doing even darkness Leo Trembo do eat Nasjill Hank. That's epile and gongly the young people and tight wrong. Do you call you and my dog? They go to Nacquia and she don't younger. So in each nan.

SPEAKER_01 19:14

Do you mogus on the light?

SPEAKER_02 19:15

So you're not cheatal, ching song as a dialogue kind of yeah, what's meant to neglect yes or much the year. Now two them all is down and taboo show, Mr. Nature. So you know, sending the petrol shit.

SPEAKER_00 20:27

No, you mean to it under ping and uh quantum some young young hajun to make bang on the go tong who can eat and go tong.

SPEAKER_02 20:45

She just in with meal bar pink and sweet cook and mean down. That's it, needs it out the so the book and just full uh how I think this is how you mention a gallery how to bring the whole jihu those two and so many soul so you pay. So it's a proven size. Now the sang the eyel is that being gun chimpoo. Oh, yeah, send that you the woman or easy fool gram and uh higher button social like tiny just say don't she or misses the use. That's a proven guide. So I'll send you a teacher just in a position on the bail in your pana pay out there. And I pay law, changing hole, and by the way. So you're so type of beating has a male choice there.

SPEAKER_00 22:22

So it's a teacher that would just well I choose the long ping and can then uh go and don't be under food and being uh chimbos and I will meal baby at the food and this young your can do the symbols and I bound to be uh down to go to ball and just your thing on the windows or they go to the goat and don't do a bean on your meals.

SPEAKER_02 23:02

The magazines or go to holler ill the pool and tap on chief for the fancy, you know, just thinking I think for nothing I think for you and then you'll say, can you mind about you? That's a one you mean I see nice bonus and show the nigga both. Now you want sanction that your oven eat out seven the uh high single food time, so time with food. So it's a poof and uh bring and so and kind. Just so now you will be out so take uh not hoy your piece of order than you are too while it's also male young, or but I have to battle her pet. Hold on a high pan, and then uh host is yours or near time by fans and sham coach. Now it's an hard teacher by young tea sank. Now I can't each another one should make some quite young dumb. Neil got Germany can just be a quite sunk. Oh each and santien bac, how young not so tens of change. Now how it's in my mind, so you put it in shall see the outside. You need only shall be party and make some whole hood. So how does it put B out. So Moi Jacin and your pillow or Joe Shawn from the Hangoshi.

SPEAKER_00 25:45

So P out the learned things e send you the PR. Hi Bowsen Gongsy June.

SPEAKER_02 25:50

Oh, I see Bow Jan Gongs J.

SPEAKER_00 25:57

Young Summer E Tai Hold, I tell you and dime by whole sum the Shanghai Song Yo Chan.

SPEAKER_02 26:23

So I has a tackle you and a home. That's a has a bunch of notikers. Now you can't go even itself, it's that kind of young yao the book. So it's a younger one boo young law. It's really in the young yao, nothing so true and the whole lemons, not getting the cool lemon set. Now get like a I turn to the yard. Maybe you have two and a half. So it's just harder to bando buoy young, so my something so telling two.

SPEAKER_01 27:59

No, you ego in our peaceful look about then the rent.

SPEAKER_02 28:42

So you tell me how ching to the bottom line. So that's a social. Now what's it like? Now tell you bows all. Now cool banions hold on. Ba by one bang, which is your hench and bang, t and chi foo. In o' ja whole she can share ship out high on the door chick. She and high hand. That's the one teaching food. Now just you by to mean so. So teaching capuchai on sixing her nan choly. Oh, how you uh input side, ta isang. Now how isang tall, how you say can you have pushing the kite cheek one dominant? Hamel, you and Hannah's girl hung do and do and young to and several pay do all the baby can pay. Now how kite out of the easy to put the you up can so cheap. Yes, and more ta you and so cheap. Now how tight is angel without yoga juan. And he's a mean home. How do I kill Nakay to doubt quite uh just all high holds than eating her? Just a tie in meal by my tongsu gong so on the near room and zang jan. So that she gwai nigga Shenzhu Jangsi e yo, nigga Shou Zhang I round tie your sizing chingwan. So whole I uh so once and a lot of the same thing. I sell can you send other kinds. So it's a social cool and how the towel can sound the house. So Joe Fama can ling on my moon door, Jokania Tong Sing the same thing, that's an e chang. Yo, I don't know. She says dear jados on high pay song, put on the UN. Sounds uh done as so kind of deal just the bicho, how the trying eight in the eye chain you die and sink. Not too can by the soul, to get don't see your way pay. Push it. Not near one chunk and tar just not joking when you push a soul so you can do so. She had tell one hand to like eat our soul to the chin. Well, so I want just a young setup e our chimbo or Mr. Tang, she is that okay, so shall I butter don't she? No, how long means on go the doubt sends the bow song of the child changing.

SPEAKER_00 36:08

So it's a song young party samping to you may chin. Then you she want and go the hotel. Then meal the chimba to the juice, meal bafa, long soil the seminal song of pints, can be and gun hot.

SPEAKER_02 36:53

So it's just how yao two you can set. Mayo and do it. So kin so qua double.

SPEAKER_01 39:11

Nothing very fair and gaucin no young domains the young down the semi yachin topics and the goose can dive in shogatis baga uh the gin sits in our evil young woman intrigued, kinda, uh Bahucho in Taiwan egg, don't see my games and the putite the outi, some cheating hot tree has a send then either yeah, tone and send to bang the siba quite in cheat and so quite quite how each bang of the same thing.

SPEAKER_02 40:48

Oh, not rule any ganghout, this is my bow and boos and to understand the hot to under Nanjo I go to eat. Not the pay channel, eating your butt, such as tallow in shin time and gang goes to towel in shall nightsha must pay, Nigasha mobu pay. Now why both uh need her language or twenty hoops mahay and son to lachu full, just any pure food meal by food than many buffer and the chien the hoa, none suggests and towel, who's looking out of the sham to eat.

SPEAKER_01 41:20

Fair fair, she moon or she wanna uh tin dollars ho, don't go teaching to how chan pay, that's the ecent ho. Wait, she can judge and she doubt the change on the she wanna sorting woman the chamou, she's and that fencha, so doubt woman, semi youth in the tree she tons look or play chemical, why in trades a woman the Instagram now the old woman is shanting the chooty, look or nishing young high shelter, or jok woman just at my painting young to show one chooping holiday, semi youth woman shy cheese a gym, but