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购买保险怎么更划算,香港保险买什么好?

根据香港保险业监理处公布的统计数据,香港保险公司向内地访客销售的新保单近三年来每年以保持超过50%以上的速度在增长。那么,赴港买保险真的这么好吗?应该如何选择才会更划算呢?

香港买保险通常来说,吸引内地人到香港买保险,主要是香港保险具有费率低、收益高和覆盖广这三个特点。目前进驻香港的保险公司有150多家,保险市场竞争非常激烈,加上人民币和港币之间存在汇率差,所以价格相对便宜。目前这种特点在保障型险种中表现明显,在同等投保条件下,香港的费率低于内地20%~50%。此外,香港的分红保单平均回报率为每年4%~5%,内地的为3%左右,而且内地保险免责条款比较多。

划算险种一:重疾险就重大疾病险来说,香港的重疾险保障范围更广、保费低且保障时限长。以同样是35岁的非吸烟男性客户投保为例,按照100万元(人民币,下同)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,且保障年限能达到100岁。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30多种重疾,有部分甚至达到50种以上重疾种类。另一方面,内地保险公司对疾病的定义更严格,例如“遗传性疾病、先天染色体异常”、“被保险人2年内自杀”等许多情况均不在内地保险公司承保之列,而香港则只有“被保险人1年内自杀”和“触犯法律”两项不在承保之列。

划算险种二:高端医疗险对于高端医疗险而言,香港保险的覆盖范围虽不如内地广,但针对性更强。以投保客户30岁为例,内地保险选择全球(除美国)范围的住院加门诊保障共需支出保费3.3万元,即可获得每年2000万的住院保障及50万的门诊保障,而同等条件下,香港保险则需2.8万元,即可享受1440万每年的医疗保障费用。尽管这方面差别不大,但香港保险可以选择一定范围内的费用自付,超出该范围才由保险公司赔付,如此,可以大幅度降低每年需要交纳的保费。如果按照这种投保方式,选择9.6万以内的医疗费用由投保人支出,则高端医疗保险仅需1.7万元的保费即可享受1440万每年的医疗费用,即小病可以用普及医保,大病可以用高端医保,更加方便。

划算险种三:大额寿险赴港买大额寿险也比较划算。例如香港某保险公司的一款大额寿险,用客户缴纳等值100万美金的保费,在87岁之前不论任何原因身故,都可以获得500万美金的赔偿,直接赔付给受益人。香港寿险的赔付比例相当于1∶5,如果使用贷款,赔付比例相当于1∶22,而内地很少有这么高赔付比例的寿险,在内地保单贷款利率通常为5.6%,较香港保单贷款利率相对弱势。

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