What Insurance Should You buy in Your Life Journey?

Estimated reading time 3 minutes

10Life Team

20 May 2022
人生咩時候買咩保險?
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10Life Team

20 May 2022

Estimated reading time 3 minutes

人生不同階段都有不同風險,需要合適的保險產品將風險轉嫁,例如醫療保險、人壽保險等。然而保險實在太複雜,不少人懶得搞清楚箇中分別,從而遲遲未買保險,將自己暴露在風險之中。

其實,我們可以將人生簡單分作孩子成長期、初踏社會期、盛年拼搏期、成家立室期及人生收成期5個階段,細心列出將會面對的風險,例如是傷病、財產等,然後對應相關保險種類,自然一目了然。

孩子成長期:跌撞易發生意外


年幼的你毋須理會財務負擔,父母是你最大的後盾。面對最大的風險,便是傷病風險。年輕時候危機意識相對薄弱,意外受傷也很常見,輕則皮外傷,重則傷及骨骼,要入院治理,而不少父母都會選用私營醫療服務。因此,父母為子女評估保險需要時,便應該考慮自己能否負擔有關醫療開支,醫療保險例如自願醫保意外保險便大派用場。

初踏社會期:需關注身故風險


離開學校,踏入社會後,要為未來的生活負責。年輕、健康、沒有經濟負擔,不再是忽略保險的藉口。首先要考慮的是倘若自己不幸身故,受養人包括父母能否獲得身故賠償,從而減少經濟負擔,當中定期壽險(又稱純人壽保險)保費較低,或適合剛踏入社會人士。

另一方面是購買危疾保險,例如終身危疾保險( 又稱儲蓄型危疾保險)定期危疾保險(又稱純危疾保險),當未來不幸發生指定危疾時,都可以獲得賠償,用作支付醫療及生活開支。而早年一直有投保的醫療保險及意外保險,因應風險未有顯著降低,亦要繼續投保。

盛年拼搏期、成家立室期:膊頭重擔更多


隨年紀漸長,健康風險愈來愈大,財務承擔亦愈來愈多,當邁入盛年拼搏期及成家立室期時,醫療保險及身故風險仍然需要保險轉嫁風險;此外亦多了財產及個人責任風險,例如你置業、買車,甚至僱用傭工之後,可以考慮購買家居、汽車及家傭保險,以避免因意外造成的損失,甚至潛在的法律開支及賠償。

長壽風險則往往遭到忽視,隨著香港人愈來愈長壽,當初預備的退休金或資產未必足夠支撐長達數十年的退休生活,這個時候便可以考慮有助規劃退休的保險產品,例如合資格延期年金保單(俗稱扣稅年金)

值得留意,在工作搏殺期時,除了供養父母,亦有機會供養子女,買樓也要承擔大額按揭,故人壽保險保障需求往往達到最高峰,簡單而言是確保你自己有甚麼不幸事故發生,家人能夠「頂得順」沉重財政壓力,具有儲蓄成份的終身壽險或許是一個不俗的選擇。

人生收成期:身故保障缺口消失


銀髮漸長,你也慢慢踏入人生收成期,子女開始投身社會,自己不再是家庭經濟唯一支柱,身故風險大幅降低,傷病及長壽風險亦相應提高,換言之,這個階段最需要檢視的便是醫療保險及年金,當中香港年金公司推出的終身年金計劃或許是長者對沖長壽風險的一個選項。

最後,假如你想了解不同人生經歷,如何影響自己目前及未來的保險需要、哪個階段將會面對最大的身故風險保障缺口,可以使用保監局的評估工具。大家不妨使用10Life保險解碼器比較保險產品。

註:資料截至2022年5月20日

Disclaimer

10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority 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 and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy 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. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best 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 arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made 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

4.6
3982
611

Nik, Leung Tsz Kei

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10Life Financial Manager, Insurance Specialist

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Winnie, Ng Wai King

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FTLife Agency Manager

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Even, Shum Miu Chu

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恆泰 高級理財顧問

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Philip, Lee Hon Lun

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YF Life Branch Manager

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Tony, Yeung Chun Fung

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Mabel, Siu Sin Wan

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1114
249
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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3982
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
1850
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1645
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1764
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

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
1114
249

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