Innovative Coverage on Critical Illness Insurance (Top 10 Whole Life CI Products) | 10Life

Estimated reading time 8 minutes

10Life Team

21 Dec 2020
Innovative Coverage on Critical Illness Insurance (Top 10 Whole Life CI Products) | 10Life
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10Life Team

21 Dec 2020

Estimated reading time 8 minutes

2020年絕非輕鬆,隨着幾波新型冠狀病毒疫情在香港出現,使市民大眾對健康日益關注,連帶提高對保障型的保險產品需求。一年臨近尾聲,回顧今年的終身危疾保險,除了提供一筆過賠償外,部份產品還加入了持續癌症治療保障。「持續癌症治療保障」是指,受保人於治療癌症期間,可額外得到賠償,進一步抵銷治療開支(如昂貴的標靶藥)、舒緩受保人的經濟壓力。今季亦有保險公司推出同類型新產品,搶佔終身危疾保險市場。現在,先一起看看最新的排名:

Top 10 終身危疾保險 (男性) - 終身危疾綜合評分

排名
公司
保險產品
10Life
終身危疾綜合評分

單次危疾保障評分
(佔綜合評分55%)

多次危疾保障評分
(佔綜合評分25%)

保證回報評分
(佔綜合評分20%)

1 富通
FTLife
「守護168」
危疾保障計劃
(加強版)
9.6 9.5 9.7 9.9
2 富通
FTLife
「守護168」
危疾保障計劃2
9.4 9.1 9.6 9.9
3 泰禾人壽
Tahoe
泰衛您
危疾保障計劃

9.2 9.0 9.7 9.4
4 安達人壽
Chubb
安心守護
危疾保障計劃
9.2 8.8 9.4 10.0
5 富衛
FWD
危疾全守衛
(優越版)
9.0 8.4 9.6 10.0
6 萬通保險
YFLife
首選健康保500+
8.9 8.8 9.7 8.3
7 中國人壽
China Life
危疾全裕備保險計劃
(強護版)
8.7 9.1 8.9 7.6
8 宏利
Manulife
活耀人生危疾保2
8.5 8.2 9.4 8.1
9 永明金融
Sun Life
永明危疾
齊加保計劃2
8.4 8.1 9.6 8.1
10 中銀人壽
BOC Life
非凡守護危疾
保險計劃

8.2 8.0 8.0 9.3
備註:
1. 有關產品資料更新截至2020年12月21日。
2. 假設受保人為35歲,非吸煙的男性;20年供款期(或最接近20年供款期的選項)的15萬美元基本保額。
3. 10Life以不同途徑搜集保險公司的公開資料,透過數據及數學運算,計算出上述資訊。數字僅供參考,並沒有考慮您的個人需要,絕對不是銷售建議。用戶投保前,應與持牌保險顧問商討適合自己的保險方案。


Top 10 終身危疾保險 ( 女性) - 終身危疾綜合評分

排名
公司
保險產品
10Life
終身危疾綜合評分

單次危疾保障評分
(佔綜合評分55%)

多次危疾保障評分
(佔綜合評分25%)

保證回報評分
(佔綜合評分20%)

1
富通
FT Life
「守護168」
危疾保障計劃
(加強版)
9.6 9.5 9.7 9.9
2 安達人壽
Chubb
安心守護
危疾保障計劃
9.3 89.0 9.4 9.7
3 富通
FT Life
「守護168」
危疾保障計劃2
9.2 8.8 9.6 9.9
4 泰禾人壽
Tahoe
泰衛您
危疾保障計劃
9.0 8.6 9.7 9.4
5 萬通保險
YFLife
首選健康保500+ 9.0 8.8 9.7 8.5
6 中國人壽
China Life
全衛您多重優越
終身危疾保
8.7 8.8 7.4 10.0
7 中國人壽
China Life
危疾全裕備保險計劃
(強護版)
8.6 9.0 8.9 7.3
8 富衛
FWD
危疾全守衛
(優越版)
8.4 8.4 9.6 7.1
9 永明金融
Sun Life
永明危疾
齊加保計劃2
8.3 7.8 9.3 8.3
10 忠意保險
Generali
無限保 8.2 7.1 9.4 9.8
備註:
1. 有關產品資料更新截至2020年12月21日。
2. 假設受保人為35歲,非吸煙的女性;20年供款期(或最接近20年供款期的選項)的15萬美元基本保額。
3. 10Life以不同途徑搜集保險公司的公開資料,透過數據及數學運算,計算出上述資訊。數字僅供參考,並沒有考慮您的個人需要,絕對不是銷售建議。用戶投保前,應與持牌保險顧問商討適合自己的保險方案。

富通「守護168(加強版)奪男女榜首 持續保障涵蓋癌症、心臟病、中風

細心的讀者或會發現,與上一季相比,佔據男女子組首十名產品有不少熟識的面孔,而新產品富通「守護168」危疾保障計劃 (加強版)(簡稱「守護168」(加強版))同時奪得10Life終身危疾 男女組評分榜的第一名,而另一新產品為中國人壽的危疾全護保障計劃,分別在男女組評分榜排名16及21。

為何初來報到的富通「守護168」(加強版)能夠獨占鰲頭呢?該產品屬於全面危疾保障,涵蓋多種危疾、早期疾病、多重保等,讓受保人得一筆過賠償,而對於癌症、心臟病發、中風三大危疾,確診後更提供每月1%保額的額外賠償,賠償期長達 18 個月。有別於坊間的持續癌症治療,「守護168」(加強版)的受保人毋須提交積極治療證明,亦可得到每月賠償。當產品在涵蓋了多個保障項目時,仍能在保費上維持競爭力,故此能在10Life終身危疾保險排名上取得優勢。

終身危疾保險 如不索償可回本

所謂「有病醫病,無病儲錢」,終身危疾保險的另一個特點,就是含有儲蓄成份,如果沒有索償,可選擇退保,取回保費。對於供款期為20年(或最接近年期)的產品,部分打入Top 10的產品的保證回報不俗,保證回本年短至20年至30年。於保證回本年,退保價值等於繳付保費總額。大家可瀏覽10Life產品解碼器,了解危疾保險的保證回本年、20年及30年的保證內部回報率 (IRR)。

終身危疾保險評分準則

10Life會定期檢視市場近50個終身危疾保險產品,並將它們評分。評分權重包括單次危疾保障(55%)、多重危疾保障(25%)和保證回報(20%)三個部份。單次危疾保障和多重危疾保障的權重差異,是因為單次危疾發生的機會肯定高於第2次危疾發生。兩者均考慮了產品的賠償倍數,而且對不利索償的條款扣分,而保證回報則以第20及30年的保證回報比率計算。由於市場產品日新月異,10Life會不時更新評分方法,務求與時並進,反映產品對消費者的保障。順道向新讀者說明,10Life評分將分開男性及女性計算,由於不同性別的保費、發病及索償情況不同。如讀者想了解更多,可參閱《終身危疾保險的評分方法》。

由於每位讀者的需要並不一樣,切記分數只宜作參考之用。在選購保險產品時,讀者宜了解不同產品的特點,挑選適合自己的保險。如有任何疑問,可於10Life網站內查詢,即時得到持牌顧問的回覆。

[比較終身危疾保險﹕綜合評分(男)]
[比較終身危疾保險﹕綜合評分(女)]
[比較終身危疾保險﹕單次危疾保障(男)]
[比較終身危疾保險﹕單次危疾保障(女)]
[比較終身危疾保險﹕單次危疾及多重保障(男)]
[比較終身危疾保險﹕單次危疾及多重保障(女)]
[比較終身危疾保險﹕保證回報(男)]
[比較終身危疾保險﹕保證回報(女)]

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 .

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4002
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
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274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1852
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1348
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1769
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

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Edward, Lam Wing Chuen

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Convoy Senior Wealth Management Advisor

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Noble, Suen Chit Yuen

孫哲遠

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4002
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1852
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1348
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1769
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1062
314

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1116
249

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