Is Buying a Blue Cross VHIS Plan Now Equivalent to Buying a Discounted AIA VHIS Plan?
10Life Team
| 項目 | 友邦 | AIA 自願醫保尊裕計劃 |
藍十字保險 | Blue Cross 尊悅自願醫保計劃 |
| 醫療保障評分1 | 10.0/10 | 10.0/10 |
| 預計平均保障率1 | 100% | 100% |
| 癌症預計平均保障1 | 100% | 100% |
| 抗醫療通脹特性 | ✓ | ✓ |
| 每保單年度賠償上限 | 1,000萬港元 | 1,000萬港元 |
| 終身賠償上限 | 5,000萬港元 | 4,800萬港元 |
| 額外保障數目 | 4個（善終服務或紓緩治療 保障、第二醫療意見服務、環球醫療援助、短等候期） |
6個（住院現金、善終服務 或紓緩治療保障、第二醫療 意見服務、環球醫療援助、短等候期、妊娠併發症） |
| 首年保費 | 15,448港元 | 10,834港元 |
| 未來10年平均年保費 | 16,592港元 | 12,190港元 |
| 註： 1.詳見《醫療保險的評分方法》。 2.以上保費資料更新至2022年3月9日，並未包括保險業監管局收取的保費徵費。 |
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