Hong Kong Protection Gap Hits $6.9 trillion : Comparisons between Life Insurance Products from Three Major Insurers (Chinese Article)

Estimated reading time 6 minutes
19 Dec 2021
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19 Dec 2021

Estimated reading time 6 minutes

保監局最近發佈的一項研究報告發現,即使香港保險密度(人均保費)及滲透率(保費佔本地生產總值比率)居於全球首位,但原來整體身故保障缺口高達6.9萬億港元。換言之,當一家之主不幸早逝,其家庭日常生活可能會受到嚴重影響。

要填補身故保障缺口,定期壽險在較短年期保障上更具成本效益;而若果投保人希望獲得更長年期保障,我們發現3間本地大型保險公司今年陸續推出高保障終身壽險產品,分別是「友邦樂怡人生保障計劃」(友邦樂怡)、「宏利優越終身保」(宏利優越)以及「保誠自主未來保障計劃」(保誠自主)。投保人需要注意的是,即使理解到自身有購買壽險需要,以填補身故保障缺口,亦要比較產品細節。

我們採用保監局提供的身故風險保障缺口評估工具,評估一名35歲非吸煙爸爸身故保障缺口。假設他月入3萬港元,妻子亦有正職,各分擔一半家庭開支,兒子今年6歲,同時要供養一對剛剛退休的父母,而他們家庭儲蓄約200萬港元,並有50萬港元退休金。

若然他不幸身故,由於「上有高堂,下有子女」,上述工具評估後,得出的結果是其身故風險保障缺口達295萬港元(約38萬美元)。若果他擁有一份合適的壽險,有助避免因早逝時而導致家人生活出現困難。

1.身故賠償額有差異

比較「友邦樂怡」、「宏利優越」以及「保誠自主」時,我們看到在同一個繳付年期(10年)及每年保費(1萬美元)的大前提下,35歲至99歲保證身故賠償均有差異,當中「保誠自主」的保證身故賠償金額最高,為29.5萬美元,而「宏利優越」(26.4萬美元)及「友邦樂怡」(26.3萬美元)則緊隨其後。

至於預期總身故賠償(計及非保證項目部份),以65歲為例,則以「保誠自主」(57萬美元)保障程度更佳,緊隨其後為「宏利優越」(45萬美元)及「友邦樂怡」(42萬美元)(見表一)。

值得注意的是,3款壽險產品提供不同身故賠償支付安排,包括向指定之受益人以一筆過或每月分期形式支付身故賠償。

表一:3大保險公司高保障終身人壽比較

項目(美元) 友邦樂怡人生 宏利優越終身保 保誠自主未來
繳付年期 10
每年保費 $10,000
總繳保費 $100,000
保證身故賠償
35歲至99歲 $263,227 $263,749 $295,334
預期總身故賠償
65歲 $420,058 $451,081 $570,945
85歲 $865,938 $926,662 $1,413,909
保證現金價值
65歲 $118,163 $102,838 $55,700
85歲 $136,194 $102,838 $295,334
預期總現金價值
65歲 $274,993 $290,170 $331,311
85歲 $738,905 $765,751 $1,413,909
 註:
1.以35歲非吸煙男士為例。
2.資料截至2021年12月3日。
 
2.退保現金價值比較

這些壽險產品都有儲蓄成份,退保時可得到保證及預期現金價值。於第50個保單年度(85歲),「友邦樂怡」(13.6萬美元)及「宏利優越」(10.3萬美元)的保證現金價值僅稍高於已付保費,但遠低於保證身故賠償。所以,如果這筆資金最終是希望留給下一代,退保未必是最有利選項。

保誠自主」保證現金價值與身故賠償均為29.5萬美元,意味如果年長客戶此時覺得再無人壽保障需要,退保亦不會出現損失。

至於預期總現金價值,到85歲時,「保誠自主」為141萬美元,「宏利優越」及「友邦樂怡」分別為76.6萬美元及73.9萬美元。

3.繳付年期長更易負擔

上述是以10年繳付年期作例子,事實上3款終身人壽可以將繳付期攤長,當中「保誠自主」的繳付期長達30年,「友邦樂怡」及「宏利優越」則為25年。

於保障類產品而言,繳付年期越長,早期身故賠償倍數越高,一般消費者亦更容易負擔相關產品。

4.個別產品設「抗通脹」選項

此外,通脹或蠶食身故保障有效度,故此「保誠自主」及「宏利優越」推出「抗通脹」選項,客戶可選擇額外繳付保費來提升保額,毋須重新核保,有助對沖通脹影響。若果投保「保誠自主」,並選擇20年或30年繳付期,額外繳付保費可以令保額每年自動提升5%,最高可增至最初保額的200%。

而「宏利優越」的「抗通脹」選項則適用於10年期或更長繳付期,投保人可以額外繳付保費,令保額每年增加10%,最多為最初保額100%。

5.可參與保單逆按計劃

除此以外,現時3款保險產品都合資格參與保單逆按計劃。投保人可以利用壽險保單作為抵押品,向貸款機構申請保單逆按貸款,將身故賠償化作現金流,以每月派發年金的方式收取現金。

最後必須提醒,就算一般人已經擁有儲蓄或者擁有壽險,並不代表他們獲得足夠或理想的保障。說到底,購買終身人壽最重要還是要了解自己的身故保障需要,而非只集中在回報層面;投保人亦需要比較產品細節,尋找性價比高的產品。

註:
1.以上保費尚未包括保險業監管局收取的保費徵費。  
2.資料截至2021年12月3日。  

附錄一:3間大型保險公司終身人壽一覽

友邦樂怡人生 宏利優越終身保 保誠自主未來
繳付期選項 5年、10年、25年 整付、5年、10年、20年、25年 整付、10年、20年、30年
身故賠償支付方式 一筆過或分期繳付 一筆過或分期繳付 一筆過或分期繳付
能否額外供款增加保額抗通脹 10年繳付期或以上,
每年可增10%,
100%為上限
20年、30年繳付期,
每年可增5%,
最高可增至最初保額的200%
85歲保證身故賠償 保費136% 保費103% 保費295%
能否保單逆按
 註:資料截至2021年12月3日。

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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority 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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Jack, Ng Wai Lap

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AXA Unit Manager

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Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.9
1173
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Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1845
308

Even, Shum Miu Chu

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恆泰 高級理財顧問

4.6
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Philip, Lee Hon Lun

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YF Life Branch Manager

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Tony, Yeung Chun Fung

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Edward, Lam Wing Chuen

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Convoy Senior Wealth Management Advisor

4.6
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263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1113
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.7
1399
208

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