Comparing Term and Whole Life Critical Illness Insurance 2022
10Life Team
圖表1：定期危疾保險及終身危疾保險比較
| 產品種類 | 定期危疾保險 | 終身危疾保險 | ||
|
受保疾病 |
僅限於癌症 |
三大危疾 |
多種疾病 |
多種疾病 |
|
危疾賠償 |
單次索償為主， |
單次索償及多重索償 |
||
|
保障年期 |
定期：1年／5年／10年／20年， |
終身 |
||
|
供款年期 |
每年供款至保障終止 |
通常約20年 |
||
|
儲蓄成份 |
沒有 |
有 |
||
|
現金價值 |
沒有 |
退保時如無索償，可取回保證或非保證現金價值 |
||
|
購買途徑 |
網上直接投保或經保險顧問，視乎產品而定 |
保險顧問 |
||
保障範圍：終身危疾 vs 定期危疾
定期危疾純保障 終身危疾可「儲錢」
- 假如受保人未曾索償嚴重疾病，可選擇於供款完畢後退保，取回現金價值，即「拎返啲錢」，亦可選擇「唔拎錢」令計劃繼續生效。所以常聽到終身危疾保險「有病醫病，冇病儲錢」這個說法。
- 若受保人於供款期內不幸患上嚴重疾病，因為終身危疾保險通常設保費豁免，故將無須再繳交未來的保費，但仍可繼續享有終身保障。
定期危疾低保費優勢隨年期減低
圖表2：比較不同情境下終身危疾保險及定期危疾保險的保費（港元）（假設35歲非吸煙男性投保，保額100萬港元）
癌症護您保 - 計劃1
（定期癌症保險）
守康易危疾保
(癌症、心臟病、中風)
無限護身保 無限計劃
1. 癌症、心臟病及中風可多次索償，其他35種受保危疾均可索償1次，合共5次賠償，每次賠償均為投保額的100%。
2. 保障年期內為癌症、中風及心臟病提供無限次賠償，但各設等候期，而上述3大危疾外的每項嚴重疾病最多只可獲一次嚴重疾病保障賠償。
3. 假設供款期為20年，期間並無索償。
4. 多重索償的危疾保險均受制等候期條款。
5. 滙率假設為1美元兌8港元。
終身危疾往後或能取回保費及賺取回報
- 以上保費資料更新至 2022年6月24日，並未包括保險業監管局收取的保費徵費。
- 本文最後更新日期: 2022年6月24日。
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