Comparing Flagship Critical Illness Insurance from AIA, Manulife, Prudential (Updated 2021 Q3) (Chinese Article)
10Life Team
假設受保人是35歲非吸煙人士,每年供款港幣$12,000,供25年。索償發生於保單首10年。
產品 / 賠償額 | 友邦 加裕智倍保3 | 宏利 活耀人生危疾保2 (加強版) | 英國保誠 危疾加護保III | ||||
嚴重危疾 (於保單首10年索償) | 男性 | $543,442 | $621,047 | $564,086 | |||
女性 | $524,781 | $579,648 | $544,135 | ||||
嚴重危疾保費豁免保障 | 在索償嚴重疾病保障後,受保人毋須再為計劃繳付任何保費。 | ||||||
早期危疾﹕ 原位癌/通波仔 | 男性 | $80,510 | $82,806 | $94,014 | |||
女性 | $77,745 | $77,286 | $90,689 | ||||
早期危疾保費豁免保障 | X | X | 豁免往後12個月之到期保費 | ||||
註: 1. 以上資訊由10Llife提供,更新至2021年5月31日,僅供參考,並不是銷售建議。 2. 假設受保人是35歲非吸煙男性和女性,每年供款港幣$12,000,供25年。 3. 賠償額已計算了保單首10年之保單早期額外保障。 4. 上述保單貨幣為美金,假設美元:港元兌換率為1:8。 |
假設受保人是35歲非吸煙女性,每年供款港幣$12,000,供25年。
1. 以上資訊由10Llife提供,更新至2021年5月31日,僅供參考,並不是銷售建議。
2. 假設受保人是35歲非吸煙女性,每年供款港幣$12,000,供25年。上述賠償額是50年內不同時期 的賠償額之平均,已計算保單首10年之保單早期額外保障。
3. 上述保單貨幣為美金,假設美元:港元兌換率為1:8。
- 當受保人確診癌症(即治療期<1年),作出第1次嚴重危疾的索償時,宏利危疾賠償最多,約43萬(註2)。
- 如受保人於確診後第1年及第2年依然積極治療,每年都可以獲得持續癌症治療保障,當中,保誠每年賠償基本保額60%,所以第2年累積賠償額最高,達83萬。
- 癌症之間的索償等候期為3年,所以到第3年,受保人得到第2次嚴重危疾索償。保誠累積賠償額最高,約120萬。
- 於第4年及第5年內,保誠及宏利受保人可再次得到持續癌症治療保障,累積賠償額依然有增長;但友邦就沒有此保障,因而累積賠償額維持不變。
- 於第6年,不論是友邦、保誠及宏利,患癌的受保人皆可索償第3次嚴重危疾,但保誠的累積賠償額仍然領先。
- 到第7年及第8年內,仍治療的保誠、宏利受保人可再次得到持續癌症治療保障,保誠的累積賠償額最高,達243萬。而友邦則沒有此保障。
- 嚴重危疾的基本賠償額為100%保額,未考慮保單早期額外保障(如適用)、假設之前未曾索償過早期危疾。
- 假設索償發生在保單首10年,已計算保單早期額外保障。
- 豁免受保子女有關計劃的未來基本保費,直至受保人26歲(下次生日年齡)或保費供款年期結束,以較先者為準。
- 若受保人的配偶(須為保單持有人或受益人)於80歲前不幸身故及該保單已生效2年,受保人將可獲豁免基本計劃將來的保費。
- 以上資訊由10Life提供,更新至2021年5月31日,僅供參考,並不是銷售建議。
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