Term Life Insurance Premium Reduced by 34% in 3 Years (Chinese Article)

Estimated reading time 8 minutes

10Life Team

27 Sep 2021
Term Life Insurance Premium Reduced by 34% in 3 Years | 10Life
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10Life Team

27 Sep 2021

Estimated reading time 8 minutes

香港壽險密度及滲透率居全球首位,然而港人偏向具有儲蓄或投資成份產品,純保險的定期人壽於2019年市佔率僅得0.9%(見註1)。不過,近年越來越多保險公司進軍香港市場,加上數碼渠道興起,令定期人壽保費近年出現減價戰,3年間減幅達34%。

定期人壽保費通常較為便宜,令賠償倍數(槓桿)較終身人壽高。若受保人於保障期內身故,受益人便可按條款得到一筆過的身故賠償。定期人壽保費會按受保人年齡、繳費期數以及保額而釐定;保障年齡及續保期均有限制。 

圖表1:定期人壽近年保費減幅強勁

受保人 2019年 2021年 3年減幅
最平保費
定期人壽
10年平均保費
(港元)
最平保費
定期人壽
10年平均保費
(港元)
35歲
非吸煙男性
滙豐滙易保
(10年續保)
$1,031 富衛自主保
定期保障計劃
(10年續保)
$680 34%
35歲
非吸煙女性
滙豐滙易保
(10年續保)
$811 富衛自主保
定期保障計劃
(10年續保)

$592 27%
 註:
1.定期人壽之產品均同一假設,包括35歲非吸煙男性及女性,首年身故賠償為100萬港元,保障期為10年;
2.預計年保費是有關產品10年平均的每年保費;
3.富衛自主保保費已計算首年保費5折及其後續保年期內保費7折優惠;受保險公司條款及細則約束;
4.以上資訊由10Life提供,僅供參考,並非銷售建議。資訊更新至2021年9月7日;
5.保險公司有權更改優惠,而毋須另行通知。讀者投保前應向保險公司了解優惠詳情(如有)。

以35歲非吸煙男性、保額100萬港元為例,2019年滙豐保險滙易保(每10年續保)10年平均保費為1,031港元,全城最平;但到2021年時,富衛自主保(每10年續保)近月推出折扣優惠,10年平均保費為680港元,打贏滙豐成為全城最平。

3年間,10年平均保費由1,031港元減至680港元,減幅高達34%;而680港元等於每日保費1.7港元,比任何交通工具單程車費還要便宜。

再以35歲非吸煙女性為例,2019年滙豐保險滙易保(每10年續保)10年平均保費為811港元;不過去到2021年,最平之選仍然是富衛自主保,10年平均保費為592港元,3年間減幅27%。

10Life析減價原因如下:

  • 近年保監局發出虛擬保險牌照,多間公司包括Bowtie及ZA進軍市場,推出較便宜的定期人壽,基於市場出現競爭,更多保險公司減價迎戰;
  • 以往保險公司依賴保險顧問為客人投保,但自從互聯網盛行後,性質較簡單的定期人壽可以直接經互聯網銷售,中介費用大大降低,令定期人壽有減價空間。

值得注意的是,大部份保險公司定期人壽過去3年均有減價(見表二、表三),除了主打互聯網渠道的保險公司外,中銀人壽今年亦顯著減價4成以上,35歲男性10年平均保費每年為980港元;滙豐人壽亦稍為減價3.4%至996港元;友邦定期人壽則罕見於2021年加價,較2020年保費升近1成,至1,436港元。 

圖表2:保險公司定期人壽保費(35歲非吸煙男性10年平均預期年保費及年度變化率)

保險公司 2019 2020 2021
友邦 $1,300 $1,300 $1,436

0.0% 10.5%
Blue $1,070 $882 $8825

-17.6% 0.0%
中銀人壽 $1,828 $1,828 $980

0.0% -46.4%
保泰人壽 $852 $837

-1.8%
中國太平 $1,030 $1,030 $1,030

0.0% 0.0%
富衛 $2,170 $2,170 $680 3

0.0% -68.7%
滙豐保險 $1,031 $1,031 $996 6

0.0% -3.4%
英國保誠 $1,450 $1,450 $1,450

0.0% 0.0%
眾安人壽 $870 $853 4

-2.0%

圖表3:保險公司定期人壽保費(35歲非吸煙女性10年平均預期年保費及年度變化率)

保險公司 2019 2020 2021
友邦 $1,110 $1,110 $1,235

0.0% 11.3%
Blue $840 $649 $6495

-22.7% 0.0%
中銀人壽 $1,421 $1,421 $794

0.0% -44.1%
保泰人壽 $612 $600

-2.0%
中國太平 $760 $760 $730

0.0% -3.9%
富衛 $1.860 $1,860 $592 3

0.0% -68.2%
滙豐保險 $811 $811 $784 6

0.0% -3.3%
英國保誠 $1,290 $1,290 $1,290

0.0% 0.0%
眾安人壽 $640 $627 4

-2.0%

註:
1.定期人壽之產品均同一假設,包括35歲非吸煙男性及女性,首年身故賠償為100萬港元,保障期為10年;
2.預計年保費是有關產品10年平均的每年保費;
3.此年保費己計算富衛自主保定期保障計劃的首年保費5折及其後續保年期內保費7折優惠,需於FWD網頁輸入優惠碼 「MYT50TL」,受保險公司條款及細則約束;
4.此年保費已計算眾安人壽保的首年保費8折優惠,需於ZA網頁輸入優惠碼 「Life20」。受保險公司條款及細則約束;
5.此年保費已計算Blue WeCare定期人壽2的首年保費8折優惠,需於Blue網頁輸入優惠碼 「FT220」。受保險公司條款及細則約束;
6.此年保費已計滙豐保險滙家保的首年四個月月費優惠,需於滙豐保險網頁輸入優惠碼 「4MTHFR」。受保險公司條款及細則約束;
7.以上資訊由10Life提供,僅供參考,並非銷售建議。資訊更新至2021年9月7日;
8.保險公司有權更改優惠,而毋須另行通知。讀者投保前應向保險公司了解優惠詳情(如有)。

打工仔保障缺口人均190萬港元

保監局上月《保障缺口「身故風險」研究》顯示(見註1),香港總體身故風險保障缺口料達到6.9萬億港元,平均每名在職人士保障缺口約190萬港元。研究指出,這缺口可以通過使用一些現有、結構簡單且價格合理的保險產品來填補,而定期人壽在方面發揮重要作用。

根據保監局定義,定期人壽是在普通家庭面對生活中意外變故時——尤其是家人早逝時維持體面生活水平的能力受到威脅——而作出的保障。事實上,全球各國均要面對人口老化及醫療費用增加問題,填補身故風險保障缺口有助於降低家庭支柱早逝引起的問題,亦有助減低急劇上升的公共負擔。

10Life保險解碼器亦有比較市場上多個定期人壽保險產品,詳情可瀏覽: 


註:
  1. 保險業監管局首份《保障缺口「身故風險」研究》結果 

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