Beware of critical illness at young age! Good value Term CI insurance covering 98% critical illnesses

Estimated reading time 6 minutes

Market Insight

17 May 2021
Beware of critical illness at young age! Good value Term CI insurance covering 98% critical illnesses
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Market Insight

17 May 2021

Estimated reading time 6 minutes

那麼遠,這麼近,危疾隨時在身邊。誰想到,大學畢業幾年,當大家還為事業打拼,有些人成家立室,竟然有一位同學患上癌症,停工了一整年,與癌魔搏鬥。面對危疾,年輕人也沒有豁免的特權。幸好,現代醫學昌明,危疾治癒的機會大大提高,惟很多人並未為醫病作好財政準備。調查發現,19%受訪癌症患者表示,因未能負擔所需的醫療開支,而無法接受最理想的治療(見註1)。若不幸因患病而頓失收入,應付日常生活開支亦變得吃力。相反,若患者早已購買危疾保險,便能利用一筆過的現金賠償填補患病停工時的收入,此賠償無用途限制,可用於醫病、供樓、日常生活等,隨心所欲。

定期危疾保險:純保障 投保供款期更添彈性

香港保險銷售受中介主導,在高佣金的誘因下,終身危疾保險成為主流。終身危疾保險多數含儲蓄成份,繳付的保費部分可作累積保單的現金價值,而非全數用於保障,因此保費較高,投保人亦需確保有能力長期供款。

另一方面,性價比高的定期危疾保險卻較少人留意。定期危疾保險屬純保障,不含儲蓄成份,每一分錢皆用於守護健康,保費低得多。而且,定期危疾保險的保障期非常彈性,可選擇每年、每5年或10年等續保,若果大家預算有限,可因應個人需要投保個別年期,大大免卻長期供款的壓力。

定期危疾保險點揀好?

雖然定期危疾保險產品結構相對簡單,但大家選擇產品時亦應留意兩大要點:受保疾病及癌症保障。

受保疾病:危疾保險賠償指定危疾,所以大家須清楚產品的受保疾病。癌症、心臟病、中風三大危疾佔危疾索償約9成,自然是重點。不過,若產品能保障更多嚴重疾病,受保人自然更放心。此外,隨着大家更關注健康,定期進行身體檢查,不少早期危疾如原位癌、通波仔,也可以及早被偵測及治療,故此保障涵蓋早期危疾亦非常重要。

癌症保障:在危疾中,癌症的索償最多,且有年輕化趨勢。根據香港癌症資料統計中心數字,20至44歲新症數目於2009至2018間上升了14%(註2)。加上癌症有復發風險,因此,如產品保障第2次癌症,能令受保人更添安心。常言道,醫癌彷彿是無底深潭,尤其當病人需接受標靶藥、免疫治療等,其醫藥費用昂貴且療程漫長,大家要考慮保障能否應付。

保柏定期危疾保障更廣 結構靈活輕鬆提高安全網

最近,專注健康的保柏推出Bupa Safe危疾全禦保計劃,必選計劃A除了涵蓋癌症、心臟病、中風三大嚴重危疾,更保障五項常見的早期危疾,包括原位癌、早期惡性腫瘤、通波仔、須作手術之頸動脈疾病,以及大腦動脈瘤的血管介入治療。

計劃更針對癌症提供額外癌症保障,就算受保人已作首次嚴重危疾索償,當面對新癌症或癌症復發,仍可再次獲得癌症賠償,而賠償額與首次嚴重危疾的賠償金額同等。此外,Bupa Safe危疾全禦保計劃結構靈活彈性,您可以按個人需要,加強保護:

  • 自選保障B﹕額外保障多77種受保危疾,將危疾保障的安全網升級,將受保危疾提升至共85種,涵蓋98%危疾種類(見註3)。
  • 自選保障C ﹕癌症治療賠償保障,所有合資格受保癌症、原位癌治療費用皆以實報實銷形式全數賠償,覆蓋住院、外科手術、非手術癌症治療及診斷檢測,保額高達每個保單年度$1,000,000(見註4),並於每個保單年度重新計算,讓受保人無懼橫跨數年的癌症治療。自選保障C更設額外門診護理及監測、延伸支援等保障,以及實驗性治療現金津貼,進一步提升客戶保障。

舉例,白領 Jessica投保了Bupa Safe危疾全禦保計劃A3,嚴重危疾保障$1,500,000,並且選擇了癌症治療賠償保障(自選保障C),保額為每保單年度$1,500,000。於30歲,Jessica確診肺癌,獲得嚴重危疾賠償$1,500,000,即使因病辭職,但仍可應付生活所需。然而,Jessica不幸於32歲癌症復發,她得到額外癌症保障的$1,500,000賠償,無需為醫療費煩惱。於40歲,Jessica因冠心病接受「通波仔」手術,獲一筆過早期危疾賠償$300,000。總體而言,Jessica所獲的總賠償金額為$3,300,000。

全方位支援 立即投保享限時優惠

罹患危疾,病人身心俱疲。專注健康的保柏為Bupa Safe危疾全禦保計劃受保人提供健康支援服務,由專業團隊與您並肩作戰,例如,安排醫療專家為您提供第二醫療意見、醫生轉介等服務;健康顧問協助您跟進索償、治療至康復過程;更設有「癌症關懷計劃」,由合資格護士及健康管理團隊一對一跟進病況,提供情緒支援及各式抗癌護理資訊。

Bupa Safe終身賠償總額可達$3,300,000(見註5),每月保費低至$108(見註6),一經投保,客戶可保證續保至100歲(見註7)。計劃接受網上投保。現時投保可享限時優惠,一人投保8折,二人或以上6折 (每日$5起見註8)。立即按此索取報價及詳情﹗

註:

  1. 數據來自癌症資訊網新聞稿〈本港癌症治療政府欠規劃 調查:誤以為政府醫癌少使費 港人低估公院腸癌藥費19倍〉。
  2. 數據來自香港癌症資料統計中心網站癌症統計數字查詢系統
  3. 計劃危疾基本保障及自選「嚴重危疾延伸保障」下受保的85種危疾已涵蓋10Life定期危疾保險評分方法下的98%指定危疾。設不受保障項目及等候期,有關條款及不受保障項目,請參閱合約。
  4. 全數賠償受保癌症、原位癌的合資格治療費用,保額為每保單年度$500,000(選項 C1)或 $1,000,000(選項 C2)。
  5. 以終身賠償總額為$3,300,000的A3計劃計算,包括嚴重危疾保障$1,500,000,額外癌症保障1,500,000,以及早期危疾保障$300,000。客戶需確診符合保單定義的受保危疾,各保障項目之間的賠償設等候期,額外癌症保障設有積極癌症治療要求。詳見合約條款。
  6. 以一名18歲非吸煙者以年繳購買終身賠償總額為$3,300,000的A3計劃計算。此保費尚未計算任何適用的折扣或優惠。
  7. 額外癌症保障將於緊接85歲後的合約週年日自動結束。自選嚴重危疾延伸保障下的部份疾病設有保障年齡限制,詳情請參閱保障金額表。
  8. 只適用於年繳,須受有關條款及細則約束。
  9. 以上資訊由保柏提供,更新至2021年5月7日,僅供參考,並不是銷售提議。 

Disclaimer

  1. The information of this article has been provided by the advertiser to promote its products and services.
  2. The information of this article is intended for general education purpose and reference only. None of the information is intended, nor should they be considered or relied upon, as and is not, regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products.
  3. 10Life Financial Limited will not be responsible for any liability, claim or loss arising from or associated with you using the information. No warranty, representation or guarantee is given by 10Life Financial Limited on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby.

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Nik, Leung Tsz Kei

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Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4050
617

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
249
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1858
311

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
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Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

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Tony, Yeung Chun Fung

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FWD Life Wealth Planner

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310

Mabel, Siu Sin Wan

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FTLife Wealth Management Director

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317

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
1116
249

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