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。
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.
Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information.
If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com .
Have an insurance question? Just ask!
- Ask a question anytime, anywhere
- Get response from multiple licensed advisors
- Simply login with Email
Further Readings
Continue with FacebookLogin by Email
Continue with FacebookSign up by Email
Continue with FacebookSign up by Email
