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Wealth Management

5 Ways for Fresh Graduates to Avoid the Insurance Traps

2022-04-25 3min read
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上回提到,大學畢業生Fresh Grad買保險時或會面對4大疑難。當決定要買保險時,始終醫療保險及危疾保險隨時跟足一世,應如何避免中伏?萬一出現意外及爭議時,又應該如何處理?以下便醒你5招理財小貼士,就算是大學畢業生Fresh Grad亦可以買保險不求人。

1. 唔好懶,睇清楚保單條款


買保險永遠離不開做功課,首先是必須細心閱讀保險條款,以自願醫保為例,便須留意賠償額是否足夠等。即使是同一家公司,亦可以查詢不同的保險經紀或代理,以得到更完整的角度。

2.貨比三家,比較同類產品


其次便是要在同類型產品中格價。當然,消費者可以自行花時間逐個產品比對,但10Life已提供了這項功能,在考慮保障項目等因素,透過客觀的數據分析,計算出保險產品評分,只有同類型產品中提供較強保障,才會得到較高排名。又以自願醫保為例,消費者甚至可以設定預算,選出該價格範圍中評分最佳的保險產品。

3.唔好因為友情而買保險


Fresh Grad只要不是太摺的話,通常都會有一班朋友,總有些會加入保險銷售行業。但切忌輕易因為友情而買保險。先不論買保險產品很多時候是一個涉及數十年保障的決定,其次是要知悉該名從事保險銷售的同學是否以你最大利益或需要為先。假如有一分的猶豫,不妨「停一停,諗一諗」,自行上保險比較平台來比對。

4.早買好過遲買


保險屬於越早買越好的產品,假如年紀較大才買保險,可能面對被保險公司拒保、加保費或設不保事項等情況。以女性為例,若果遲買保險,當進行身體檢查時,發現有一些普通「水囊」在乳房,往後大部份醫療保險都不會保乳房相關疾病,包括乳癌,而偏偏乳房相關疾病是女性常見危疾之一。

5.識得用冷靜期退保


最後,萬一購入不適合自己的保險,或事後出現糾紛,受保人緊記善用冷靜期,隨時在保單生效後21日內要求退保;香港亦有良好監管制度,當索償時與保險公司出現爭拗,可向投險投訴局投訴。

最後,大家不妨使用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.以上保費資料更新至 2022年4月14日,並未包括保險業監管局收取的保費徵費。
3.本文最後更新日期: 2022年4月14日。



10Life Editorial Team

Our team of professional content researchers focussing on insurance

10Life Editorial Team

Our team of professional content researchers focussing on insurance

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