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内地去香港买重大疾病保险的好处有哪些?

为什么要在香港买重大疾病保险?

俗话说:“天有不测风云,人有旦夕祸福。”突如其来的重大疾病会让人在心理、身体、经济都陷入困境。而重大疾病保险可以为被保险人支付高额医疗费用,为被保险人患病后提供经济保障,尽可能避免被保险人的家庭在经济上陷入困境。

无论在香港或是内地,重大疾病保险都是一个重要的险种(香港叫“危疾险”)。内地保险公司当然也有这类型保险,但为什么很多人,尤其是经济条件较好的中产家庭,喜欢到香港来买重大疾病保险呢?

一)香港的保障范围要比国内同类保险要广

香港的重疾险的保障范围要比内地同类保险要广,且保费比内地至少低20%。内地规定重疾至少包含6种,共有25种重疾全国适用统一条款;

而香港多数险种包含50多种重疾,有些甚至涵盖60种以上重疾种类。除此之外,香港重疾往往还涵盖30-40种早起危疾,总共保障范围往往90-110种疾病不等。像自闭症、原位癌、植物人等疾病内地保险公司无一承保,即使是交了保费也没有办法领取赔付,但却在香港保险公司的承保范围之内。

(二)保费及保障年限的差别

内地和香港的保险有时候虽然总保额相当,但所需缴纳的保费及保障年限却有很大差别。以同样是35岁的非吸烟男性客户投保为例,按照100万的保额,分10年缴纳,在内地每年所需要缴纳的保费为9.2万,保障到80岁,而香港某公司的保险仅需每年缴纳4.4万,仅为境内保费的一半左右,且最高保障年限能达到100岁。

(三)香港重疾保险的等待期比内地要短

内地重疾保险等待期一般较长,为180天,部分保险公司的险种可能是90天。重疾理赔条件较为烦琐,如保险公司要求申请人提供与确认保险事故的性质、原因等相关的其他证明和资料。香港重疾保险的等待期一般是:90天。重疾理赔条件简单很多,有病理报告即可。

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