[Comparing Whole Life CI Insurance] Over 50% coverage difference for the same price? Which CI plan gives you the best value for money?

Estimated reading time 6 minutes

10Life Team

18 Apr 2021
[Comparing Whole Life CI Insurance] Over 50% coverage difference for the same price?  Which CI plan gives you the best value for money?
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10Life Team

18 Apr 2021

Estimated reading time 6 minutes

身為消費者,當然想蔗渣價錢,享受燒鵝味道,這才是「抵買」!品嚐美食如是,投保危疾保險更要睇真啲。奈何每家保險公司的危疾保險可以大相逕庭,想了解產品的性價比並不容易。今次10Life分析終身危疾保險之主要保障,包括癌症、心臟病及中風三大嚴重危疾、多重保障、早期危疾等多個處境,比較在相同保費下,所得的賠償額有多大差異,看看哪個計劃CP值較強。本文將比較市場熱門的終身危疾保險,包括AIA友邦加裕智倍保3、AXA安盛愛護同行危疾保障(加強版)、FTLife富通 「守護168」危疾保障計劃 (加強版)、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。

當大家投保危疾保險,需選定保額;視乎確診受保危疾的程度,可得到保額之指定百分比(%)作賠償,一般而言,嚴重危疾賠償是保額之100%,早期危疾則賠較低%的保額。讓我們劃一處境來比較,假設35歲非吸煙男性投保20年(或最接近)供款期的終身危疾保險,以每年1萬元保費(港元·下同),計算產品於多個處境下的賠償額(註1)。

1次危疾為重點 賠償額可相差超過5

癌症、心臟病及中風佔各保險公司的危疾保險索償超過9成,所以此三大嚴重危疾的賠償至關重要,當中大家先要留意第1次嚴重危疾的賠償。從圖1所見,賠償額最高的是富通保險計劃,若受保人於首10個保單年度確診嚴重危疾,可獲賠償額為55.1萬,相對於友邦保險計劃的36.2萬,前者高出52.2%。不少終身危疾產品都設有早年額外賠償,若受保人於首10年確診嚴重危疾,賠償額在100%保額之上再「加碼」,遠高於在保單較後期索償。

圖表1



終身危疾保險是長期保險,尤其對於年輕受保人,面對漫漫人生路,多重保障不容忽視。所以,我們亦比較第2次嚴重危疾(癌症、心臟病、中風)的賠償額,當中最高的仍是富通保險計劃,達34.4萬。

指定早期危疾賠償提高 少數產品於早期危疾索償後還原保額至100%

隨着大眾更關注健康,定時進行身體檢查,不少疾病也在早期、未惡化時,被及早診斷,故此早期危疾保障的作用越來越多。所謂早期危疾,其實泛指非嚴重危疾,只要及早治療,病情可受控甚至痊癒,其治療費用一般比嚴重危疾較低,所以終身危疾保險對多數早期危疾的賠償額,約為20%保額。

不過,現時保險公司亦針對部份指定早期危疾,提高賠償額。例如,富通保險計劃為15種早期危疾提供50%保額賠償,包括肝炎引致肝硬化、慢性腎功能損害 、微創冠狀動脈搭橋手術等,均可獲得保額50%的賠償。而保誠保險計劃則對原位癌、通波仔等4種常見的早期危疾,調高保障至25%保額。

圖表2


延續上述假設,以每年1萬元保費,從圖3顯示,假如受保人患上一般的早期危疾,大概可得賠償額約5.4萬(友邦安盛保險計劃)至6.9萬(富通保險計劃);倘若患上指定危疾,賠償額進一步提升,如友邦賠18.1萬,富通保險賠17.2萬。

上述友邦安盛宏利保誠保險計劃之早期危疾保障是一種「預支」賠償,舉例,若友邦受保人先就指定早期危疾提出索償(賠18.1萬),之後再索償嚴重危疾,後者的賠償額會相應地調低(賠18.1萬),而兩次索償的賠償才合共36.2萬(即100%保額 +早期額外保障)。

但是,富通保險計劃的早期危疾保障可以不影響受保人的嚴重危疾保障,即使受保人先索償早期危疾,再索償嚴重危疾時,仍可還原至100%保額,兩次總賠償達62萬至72.3萬(即20%或50%保額 + 100%保額 +早期額外保障)。要符合此索償條件,早期危疾及嚴重危疾之索償需相隔一年(註2)。

圖表3


擴展安全網 知的危疾都有保障

一直以來,危疾保險保障指定危疾,並按危疾定義作賠償,未能涵蓋未知的疾病。所以,部分保險公司嘗試堵塞這個保障缺口,跳出指定危疾的框框,為未知而又對健康帶來嚴重影響的新疾病,提供保障。

以新冠肺炎為例,因面世時間較短,病情嚴重程度差異大,有患者情況嚴重,也有不少無病癥,所以新冠肺炎並非危疾保險的受保危疾。而對於因新冠肺炎引致的嚴重狀況,部分危疾計劃加入創新的保障,或能發揮作用,讓受保人獲賠20%保額。

  • 友邦保險計劃提供嚴重傳染病保障賠償,若因世衛(WHO)關注的突發公共衞生事件之疾病而連續3日或以上入住深切治療病房,可獲賠償。
  • 宏利保誠保險計劃也有類似的深切治療保障,但就不限於嚴重傳染病。
  • 富通保險計劃以主要器官功能損害的狀況作賠償,不限於病因,例如肺功能活動受損至某程度可得賠償。其他受保器官包括心臟、肝臟或腎臟。
患上危疾後的保費豁免

市面上的終身危疾保險通常設有保費豁免條款,若確診嚴重危疾,便可豁免以後的保費,減輕受保人的經濟負擔。現有保險公司放寛豁免保費至指定非嚴重疾病,詳見圖表4﹕

圖表4

  • 保誠保險計劃就對早期疾病,提供12個月保費豁免,讓受保人專心養病。
  • 富通保險計劃對15種早期危疾,包招微創搭橋手術、肝炎引致肝硬化等,提供終身豁免保費,而受保人仍可繼續獲得終身的危疾保障。
證回本年期相差28

終身危疾保險的一大特色是「有病醫病,無病儲錢」,所謂儲錢,是指受保人若無索償,可選擇於保證回本年或之後因應需要取回保費,結束保單。從圖表5比較,於供款期20年(或最接近)的產品,其保證回本年亦存在顯著差異。富通保險計劃的保證回本年只需20年,而保誠保險計劃卻長達48年,兩者足足相差28年。

如產品能實現非保證分紅,產品的預期回本年可望大幅提前。不過,非保證部份受保險公司投資表現、分紅政策及宏觀經濟等影響,故難以預測,再者危疾保險主要保障健康,大家亦不要對非保證回報太過重視。

圖表5

本文集中分析了終身危疾保險的主要項目,但篇幅所限,未能細數各個保障項目,如大家想深入比較保險產品,可瀏覽10Life《產品解碼器》,了解更多,或於10Life網站向持牌顧問即時查詢。

註﹕

  1. 賠償額的計算,包括於首十個保單年度的早期額外賠償。
  2. 受保人若已獲賠償或有應付就嚴重程度 1 和 2 之危疾及 / 或兒童疾病的生存賠償,於 1 年或之後及年屆 70 歲的保單週年日之前不幸身故或確診嚴重程度 3 之危疾可還原高達 100% 保額。詳見保單條款。
  3. 本文之貨幣為港元。
  4. 以上資訊由10Life提供,僅供參考,並不是銷售提議。以上資料更新至 2021年4月7日。 

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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AIA Associate Director, Wealth Management and Protection

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