Is Buying a Blue Cross VHIS Plan Now Equivalent to Buying a Discounted AIA VHIS Plan?

Estimated reading time 4 minutes

10Life Team

15 Mar 2022
藍十字被友邦收購後 自願醫保變相「7折」大平賣?
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10Life Team

15 Mar 2022

Estimated reading time 4 minutes

AIA友邦近日收購Blue Cross藍十字,此意味藍十字有機會如東亞人壽般,獲收購後不久就掛上「友邦」嘜頭。消費者的疑問是,現時買藍十字旗下保險,是否等於買入友邦產品?

藍十字是次出售作價21億港元,相對友邦市值接近8,600億港元,可謂差天共地;而藍十字正正是規模較小、品牌效應及銷售渠道不及友邦強勁,因此產品更需要做到低保費但高保障,比較兩間公司半私家房級別自願醫保正能夠反映分別。

表: 比較友邦及藍十字半私家房級別、無自付費之自願醫保
(假設受保人為35歲非吸煙男性)

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。

根據10Life精算師的分析,藍十字尊悅自願醫保計劃(簡稱藍十字尊悅)以及友邦自願醫保尊裕計劃(簡稱友邦尊裕)兩款產品醫療保障評分均達到滿分,僅在個別項目出現輕微差異,例如終身賠償上限及額外保障數目,因此整體高保障程度可謂不相伯仲。

兩款產品保費則有頗大差異。假設受保人為35歲非吸煙男性,並選擇無自付費計劃,以首年保費為例,藍十字尊悅(10,834港元)平友邦尊裕(15,448港元)接近3成;再比較未來10年平均年保費,藍十字尊悅亦較友邦尊裕平26.5%,總保費可以相差44,020元。

消費者若果現時買入藍十字尊悅,待友邦完成收購及有機會轉名後,是否意味有機會是以7折至75折方式買入友邦的自願醫保?

3大變數 消費者未必一定受惠

其實事情尚有幾個變數。首先,友邦收購藍十字這宗交易尚未完成,中途可能有變卦。即使友邦完成收購藍十字,又會否容許兩款保障相若、但保費存在明顯差異的自願醫保同時存在呢?

再者,自願醫保的保費並非每年不變,當保險公司要維持利潤時,未來即使保證續保,亦有可能加保費。所以,「折扣買入」友邦自願醫保的如意算盤未必容易打得響。

過往,東亞人壽曾有一款「智優悠」延期年金保證回報率相當高,當友邦收購東亞人壽後不久,該款延期年金便要下架。

未來的事,無人知曉。大家還得拭目以待。

註:
1.本文由10Life從不同途徑搜集市場資料製作而成,僅供一般參考之用,並沒有考慮任何個人需要及合適性,亦不應被視爲銷售建議。投保前應與持牌保險顧問商討適合自己的保險方案,並以保險公司提供的資料爲準。
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。
3.本文最後更新日期:2022年3月9日。

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
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611

Nik, Leung Tsz Kei

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10Life Financial Manager, Insurance Specialist

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