[Unlimited Claims vs Unlimited Diseases] Comparing coverage on “unlimited” critical illness insurance
10Life Team
- 本文之貨幣為港元。
- 文中，當計算友邦唯一摯保的賠償時，10Life為個案假設了所需的醫療過程，再詮釋有關計劃之保單條款，計算出上述個案的預計賠償額。該預計賠償額僅供參考，未有向有關保險公司核實。
- 友邦唯一摯保﹕4x3賠償計分表考慮4種醫療過程（手術、治療、嚴重住院、殘廢）及對應的3種嚴重程度。由於計劃沒有指定疾病，只要符合指定嚴重狀況，原則上可保障無限種疾病。
- 忠意加愛就同一癌症，不論復發、擴散或持續，設有3年等候期，但全新癌症或其他疾病的等候期則為1年。
- 友邦唯一摯保﹕整份保單的賠償上限為160%保額，由嚴重狀況賠償（120%保額）及極嚴重狀況之額外賠償（40%保額）組成。但當嚴重狀況賠償達至120%保額，保單便結束。
- 友邦唯一摯保﹕若受保人嚴重狀況賠償達100%；或極嚴重狀況之額外賠償達40%保額，可獲豁免保費。
- 友邦唯一摯保﹕於新冠肺炎之嚴重程度累積分數: 住院治療10日以上+1分、連續3日入住深切治療病房+2分、符合嚴重住院+2因素分, 累積5分，應付賠償為50%保額。
- 任何肺部疾病導致肺部功能永久性及不可逆轉地下降，從而需長期吸氧以治療低氧血症，並且在適當的藥物治療下，第一秒最大呼氣量（FEV 1）的測試結果持續相等或少於 1 公升，及已持續最少三（3）個月。診斷須由胸肺科專科註冊醫生證實。倘若診斷出的肺部疾病並未符合與肺部相關的其他嚴重疾病的任何定義，保單則會按肺功能損害而支付保障。
- 以上資訊由10Life提供，僅供參考，並不是銷售提議。以上資料更新至 2021年5月20日。
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