払済保険と延長定期保険、生命保険見直しのポイント [生命保険] All About from allabout.co.jp
Introduction
When it comes to insurance, there are many types available in the market, and it can be overwhelming to choose the right one. In Japan, two common types of insurance are 延長 保険 (Encho Hoken) and 払済 保険 (Haraitsumi Hoken). In this article, we will explore the differences between these two types of insurance and help you make an informed decision.
延長 保険 (Encho Hoken)
延長 保険, also known as extended insurance, is a type of insurance that extends the coverage period of an existing policy. For example, if you have a car insurance policy that expires in six months, you can opt for Encho Hoken to extend the coverage period for an additional six months. The premium for Encho Hoken is usually lower than the original policy, but the coverage may be limited.
Benefits of 延長 保険 (Encho Hoken)
Encho Hoken is a cost-effective way to extend the coverage period of an existing policy without having to purchase a new policy. It is also convenient as you do not have to go through the process of applying for a new policy again. Additionally, Encho Hoken is renewable, and you can continue to extend the coverage period as long as you need it.
Drawbacks of 延長 保険 (Encho Hoken)
The coverage of Encho Hoken may be limited, and it may not provide the same level of protection as the original policy. For example, if you have a car insurance policy with comprehensive coverage, the Encho Hoken may only provide basic coverage such as third-party liability.
払済 保険 (Haraitsumi Hoken)
払済 保険, also known as paid-up insurance, is a type of insurance that allows you to pay for the policy in full upfront. Unlike Encho Hoken, which extends the coverage period of an existing policy, Haraitsumi Hoken is a new policy that is paid in full at the time of purchase.
Benefits of 払済 保険 (Haraitsumi Hoken)
Haraitsumi Hoken offers peace of mind as the policy is paid in full, and there are no monthly premiums to worry about. Additionally, the coverage is usually comprehensive and provides a higher level of protection than Encho Hoken.
Drawbacks of 払済 保険 (Haraitsumi Hoken)
The upfront cost of Haraitsumi Hoken can be expensive, and it may not be affordable for everyone. Additionally, once the policy is paid in full, you cannot make any changes to the coverage, and it may not be flexible enough to adapt to changing circumstances.
Conclusion
In summary, both 延長 保険 (Encho Hoken) and 払済 保険 (Haraitsumi Hoken) have their own advantages and disadvantages. If you want to extend the coverage period of an existing policy, Encho Hoken may be a cost-effective option. On the other hand, if you want comprehensive coverage and can afford the upfront cost, Haraitsumi Hoken may be the better choice. It is essential to understand your insurance needs and compare different policies before making a decision.
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