Comparing Flagship Critical Illness Insurance from AIA, Manulife, Prudential (Updated 2021 Q3) (Chinese Article)

Estimated reading time 7 minutes

10Life Team

23 Jun 2021
Comparing Flagship Critical Illness Insurance from AIA, Manulife, Prudential
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10Life Team

23 Jun 2021

Estimated reading time 7 minutes

危疾來襲不可預期,投保終身危疾保險,一生受用,無論何時不幸被「選中」,也作好準備。不少客戶揀選危疾保險時,都會考慮保險公司的品牌及歷史,確保在漫長人生路中,保險公司能穩定及長遠地守護健康。今時今日的危疾保險,在嚴重危疾保障之上,已發展出更多的保障項目,且推陳出新,今次10Life將以不同角度比較香港三大保險公司的熱門終身危疾保險(更新版本),包括AIA友邦加裕智倍保3、Manulife宏利活耀人生危疾保2(加強版)及Prudential英國保誠危疾加護保III,讓讀者了解產品的特點。

宏利於嚴重危疾賠償較高 保誠於早期危疾賠償佔優

所謂危疾保險,當受保人確診指定的受保疾病,便可得到一筆過賠償。危疾保險主要涵蓋嚴重危疾和早期危疾。先說嚴重危疾,如癌症、心臟病、中風等,通常賠償100%保額(註1),如於保單早期(如首10年)確診,賠償額可高達150%保額。假設投保人為35歲非吸煙人士,每年保費12,000元(港幣,下同),供款25年。圖1顯示,若於首十年患上嚴重危疾,宏利危疾的賠償額較高,約57.9萬(女)至62.1萬(男),隨後的保誠危疾賠54.4萬(女)至56.4萬(男)。嚴重危疾索償後,往後的保費可獲豁免,但仍享終身的危疾保障。

隨着大家越來越注重健康,定期身體檢查,不少疾病可以在早期被發現,所以早期危疾的保障亦受到關注。我們以原位癌和通波仔這常見的早期危疾,來比較三款產品的早期危疾賠償。其中以保誠危疾的賠償額最高,約9萬(女)至9.4萬(男)。值得一提,保誠危疾的保費豁免機制更惠及指定早期危疾,受保人確診後可豁免往後12個月的保費,專心接受治療。

圖表1:比較友邦、宏利、保誠熱門終身危疾保險的嚴重危疾、早期危疾保障
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XX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。

持續癌症治療 累積賠償金額保誠最高

癌症固然可怕,但已非不治之症,患者透過持續的癌症治療,存活率大為提高,與癌共存多年也非不可能。可是,標靶藥、免疫治療等醫藥費用高昂,療程時間亦可能十分漫長,實在為病人帶來難以承受的經濟壓力。有見及此,保險公司加入了持續癌症治療保障,在嚴重危疾索償之間的等候期內,只要受保人依然積極地接受癌症治療,如手術、電療、化療、或標靶藥,便可得到額外賠償。

我們嘗試以一個治療癌症長達8年的個案,比較產品於不同時段的累積賠償額。假設投保人為35歲非吸煙女性,相同的保費及供款期。

圖2:比較友邦、宏利、保誠熱門終身危疾保險的持續癌症治療保障
假設受保人是35歲非吸煙女性,每年供款港幣$12,000,供25年。


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。

傳染病家人額外保障

除了保障指定疾病外,終身危疾保險更致力增加更多種類的保障項目,回應客戶需求。新冠肺炎全球大流行,大家都關注傳染病保障。保險公司亦加入了相關保障。友邦危疾就世衛視為國際關注的突發公共衛生事件之疾病,而入住深切治療病房三日或以上,賠償20%保額。不過,宏利和保誠危疾的要求較寬鬆,只需入住深切治療病房三日或以上,不限原因(包括傳染病),也賠償20%保額。

另外,保險公司也提供家人保障。現在不少家長都為年幼子女及早「供保險」,以享終身危疾保障;不過又擔心自己在供款期間不幸離世,兒童(受保人)無法繳付餘下保費。針對這處境,友邦及保誠危疾均提供保費豁免,兒童(受保人)便無須再交往後保費,仍繼續得到保障(註3)。

另一個情況,友邦危疾亦提供保障,若為配偶投保,自己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,配偶(受保人)將可獲豁免將來保費(註4)。

而保誠危疾則給予家人同行額外保障,如家庭內任何2位成員(可以是自己與配偶、自己與子女、或2名子女)一同受保,於首10年內,當其中一名受保人不幸身故,受益人可獲額外50%保額賠償。

由於篇幅有限,本文只比較了有關終身危疾保險計劃的主要保障,如果讀者有意進一步比較其他細節,可瀏覽10Life網站內的《產品解碼器》,或向網站內的持牌顧問查詢。

註﹕
  1. 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。
  2. 假設索償發生在保單首10年,已計算保單早期額外保障。
  3. 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。
  4. 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。
  5. 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。

Disclaimer

10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.

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