4 Problems Fresh Graduates Face when Buying Insurance (Chinese Article)

Estimated reading time 3 minutes
24 Jan 2022
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24 Jan 2022

Estimated reading time 3 minutes

「醫療保險、危疾保險、儲蓄保險、旅遊保險、意外保險……」保險種類繁多,不少剛踏入社會的Fresh Grad都會遇上一大難題,就是是否買保險,尤其身邊總有朋友做保險代理或經紀,難免經不起遊說而匆匆簽單。
 
但大家切忌因為友誼而衝動行事,最重要是識得比較,揀到適合自己需要的保險產品,以下便有Fresh Grad買保險4大疑難及答案。
 
1.資金有限買咩先?
 
Fresh Grad並非一畢業即月入5萬港元,在資金有限下,應優先考慮購買醫療保險,例如自願醫保計劃(VHIS),健康保障是你我都會遇到的問題。另外,有些人會誤以為既然公司有醫保,自己便毋須購買,但要清楚查看公司醫保的保障範圍及保額,假如只有最基本的門診保障,當面對入院做手術等重大身體狀況時,單單一份公司醫保便杯水車薪,加上年輕人轉工頻密,並非每間公司都提供足夠醫療保障,轉工真空期更加是零保障,故此自行購買一份醫保自然最穩陣。
 
2.醫保好貴?
 
剛剛出來社會工作人士,或認為醫保每年數千元的保費昂貴,但轉念一想,將數千元攤分一年365日,只是每日十多元,與一程交通費相若,與一次入院動輒萬元的醫療費用相比,只是九牛一毛。例如常見的斷十字韌帶,醫療開支達16萬港元。若為了節省每日十數元的保險費,遇到傷病隨時因小失大。
 
3.要搭多份危疾保險?
 
若然預算許可,不少人會在醫保外加購危疾保險,受保人若患指定疾病,便可獲一筆過現金賠償,作用是彌補因病未能工作而損失的收入,亦可以填補醫保方面的保障不足。事實上,危疾保險亦有分定期危疾保險及終生危疾保險,最大分別是前者保費較便宜,後者有儲蓄成份及着重長期保障。
 
4.儲蓄保險又要唔要買?
 
市場上有不少投資工具滿足消費者儲蓄需要,而儲蓄保險則是其中一種,亦分為短期儲蓄保險、長期儲蓄保險。若果Fresh Grad只着重較短期穩定回報,其實可以考慮設有100%保證回報的短期儲蓄保險,市面上不難找到年回報率3%以上的產品,遠高於銀行定存,亦不需要承受股票大上大落的風險。
 
很多人以為保險產品沒有很大分別,所以找個自己信任的保險經紀或代理就夠,而事實上保險產品保障度及價錢差異都非常大,不妨使用10Life保險解碼器比較保險產品。
 
註:
1. 本文由10Life從不同途徑搜集市場資料製作而成,僅供一般參考之用,並沒有考慮任何個人需要及合適性,亦不應被視爲銷售建議。投保前應與持牌保險顧問商討適合自己的保險方案,並以保險公司提供的資料爲準。
2. 本文最後更新日期: 2022年1月14日。

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Jack, Ng Wai Lap

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AXA Unit Manager

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606

Nik, Leung Tsz Kei

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10Life Financial Manager, Insurance Specialist

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Winnie, Ng Wai King

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恆泰 高級理財顧問

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
3933
606

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.9
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1845
308

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1341
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1639
261

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1750
304

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1053
312

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1113
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.7
1399
208

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