5星保險大獎評級方法

1. 年度保險公司大獎

年度保險公司

10Life檢視六大保險類別，包括終身人壽、長期儲蓄、扣稅年金、即期年金、危疾和醫療保險，而獲奬的保險公司在多個產品類別中得到5星評級，取得認可的產品類別較同業廣泛，反映該保險公司在不同產品領域皆可提供優質的保障

年度大灣區保險公司

10Life 檢視保險公司在大灣區融合的多個關鍵維度，包括企業規模（總體及非本地新造保費市佔率）、財務實力（相等於標準普爾 AA- 或以上評級），以及產品優勢（醫療、危疾及儲蓄保險）。我們重點評估產品對大灣區居民的價值，涵蓋 5星評級產品的廣度、中港同價政策、價格穩定性及理賠便利性。而獲奬的保險公司在上述維度總體評分優於同業，反映該公司在大灣區市場具備雄厚實力並能提供適切的優質保障

年度健康保險公司

10Life檢視多個健康相關的保險類別，包括定期危疾（高保障、高性價比）、終身危疾（高保障、高性價比）、自願醫保（普通房、半私家房和私家房）、高端醫療、不同人生階段的醫療保險及大灣區醫療保險，而獲奬的保險公司在多個產品類別中得到5星評級，取得認可的產品類別較同業廣泛，反映該保險公司在健康相關領域產品可提供較優質的保障

年度財富保險公司

10Life檢視多個財富相關的保險類別，包括即期年金（對沖長壽風險、升息雙收）、扣稅年金（儲蓄、穩定型收入、增長型收入、對沖長壽風險）、儲蓄保險（黃金十年、教育升學、退休規劃、財富傳承、升息雙收），而獲奬的保險公司在多個產品類別中得到5星評級，取得認可的產品類別較同業廣泛，並能取得穩定分紅實現率公司評級，反映該保險公司在財富相關領域產品大致可提供較理想的回報

2. 5星創新產品獎

3. 5星醫療保險獎

4. 5星危疾保險獎

5. 5星儲蓄保險獎

6. 5星扣稅年金保險獎

7. 5星即期年金保險獎

8. 5星終身人壽保險獎

9. 5星旅遊保險獎

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