[Buying Insurance] What Slashers Need to Know (1) (Chinese Article)

Estimated reading time 2 minutes
07 Dec 2021
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07 Dec 2021

Estimated reading time 2 minutes

不少人不願意被朝九晚六的長工束縳自己,改為選擇做Slash(斜槓族),以接 Freelance或Project維生,工作靈活度較高,例如媒體、設計等行業中,就有不少「專業Slash」。

然而,Slash之路並不平坦,與全職工作相比,僱員福利可能接近零,連最基本的醫療保障也欠奉,就算周身刀張張利,收入來源多,但一遇上病痛就容易被KO。那麼,醫療保障缺口應該如何堵塞?

醫療保險最基本

正常一份全職工作,通常會有勞工保險,保障僱員因工及在僱用期間遭遇意外而致受傷,或患上《僱員補償條例》所指定的職業病。至於公司亦可能提供公司醫保(團體醫保),一般涵蓋門診及住院保障。

不過,以接Freelance為主的Slash,並不受勞工保險及公司醫保保障。公立醫院雖然可以作最後安全網,但其實公營醫療系統早以超負荷,專科門診輪候以年計。

事實上,一般擁有公司醫保的人尚且面對醫療保障不足缺口,何況是Slash?所以,Slash宜未雨綢繆,考慮投保醫療保險。以政府推出的自願醫保計劃(VHIS)為例,不少價位尚算貼地,即使是保費低於5000元的產品,市面上亦不不少選擇。

保險解碼器貨比三家

同樣值得注意的是,自願醫保產品保費與保障未必成正比,因此投保可以運用《保險解碼器》比較產品優劣,找出保障度最高的醫保。

下一篇文章,我們將會談一談一些常見問題:究竟Slash是否需要供MPF(強積金)?收入不穩的Slash,如何行進行長期儲蓄,為退休保障尋找多一條出路?

延伸閱讀

1.〈【自願醫保計劃VHIS懶人包 2021】扣稅攻略、標準計劃 vs 靈活計劃、保障邊間好?

2.〈【窮人恩物】比較一年保費少於5,000元的自願醫保計劃

註:以上資訊由10Life提供,更新至2021年11月22日,僅供參考,並不是銷售提議。


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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
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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

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Even, Shum Miu Chu

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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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Convoy Senior Wealth Management Advisor

4.6
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263

Noble, Suen Chit Yuen

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AIA Associate Director, Wealth Management and Protection

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FWD Senior Branch Manager

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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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