Life & medical insurance (Kids)

你的想法很正確。與其給小朋友買人壽保險，不如加大父母自己的人壽保險更好。

小朋友不是家庭收入支柱，不幸身故不會對家庭做成財政困難。真想不通替小朋友買人壽保險的目的，除非有人想用小朋友的生命去換取巨額賠償啦。

醫療保險卻不同，無論大人細路都會病，小朋友的病痛往往比大人更多更嚴重，醫療開支唔會因為係小朋友而有半價優惠。

一般投保人都會被保險agent灌輸以下知識，就是醫療保險要與人壽保險一齊買，事實卻是相反。agent咁講其實都係因為搵食，詳情如下：

1. 沒有一般保險牌(General insurance)
有很多agent考了保險原理及長期人壽保險牌就去做生意，極其量考埋投資相連壽險牌，卻不大願意考一般保險牌。結果無論賣咩保險(包括醫療)，都一定要同人壽保險一齊賣先至合法，但卻對客說人壽和醫療不可分開買。

2. 高佣金
人壽保險的佣金很高，首年可達年繳保費50-60%，其後10年內每年也可獲3-10%，而人壽保險的續保率高，對agent的收入較有保證。

3. 公司無彈性
有時真係保險公司本身唔肯將人壽同醫療分開賣，不過分開的公司亦有很多，甚至有保險公司只賣醫療保險而唔賣人壽。不過agent係唔會話你知的，因為一講就即係叫你幫襯人地，自己食白果。

總結：
你的agent對你說謊，都係無可奈何，唔好怪佢。要獨立買醫療保險十分簡單，保險公司有宏利、ING、Bupa，銀行有HSBC、DBS、東亞等等。以上公司只是舉例，希望這樣答不會被指賣廣告，而且我都冇可能同時做咁多間公司呱！

Usually the reason why people add life portion to your kids' plan is that they want the life portion (includes saving) to accumulate dividend so that the plan run by itself later on (premium offset). advantage, your kid doesn't need to pay for the plan his/her whole life.

Whether it's good or not depends on how you want the plan. if you have budget for both, of course, it's ideal to buy life insurance for yourself and also your kids. if the budget is good for just either you or your kids to have life insurance, then of course, yours would be more important - because to protect your kids, it's best to protect yourself first, 'cos if some bad happens to you, their living would be affected.

If you need further info, please email me.

Teresa (Manulife)

There are many explanations that why your agent introduced such a plan for your kid. However, you can make your own choice.
There is no best product in the world but the most suitable one at the time.
If you are not convinced with the selling idea from your agent, get another proposal from somewhere else.
Demand and supply of a specific product always go hand in hand. The product proposed to you is to provide a means to ease your mind. The adequacy of amount of cover for a kid depends on the kid's family environment and the thought of the policyowner.
In HK, you are perfectly free to buy independent policy to cover medical expenses but market practice is telling you that such policy is not available to kids as a stand alone policy. However, you can add the kid as one of the insured members on your own or family medical policy.
Again, it is not a question of correct or wrong for swapping the budget but a matter of choice or preference.
I have served my clients over 33 years in this industry. They made their own choices for good and awared of the risks that they are facing and its burden. If you are still in the mist of not knowing how to make a decision. email to me.

2007-05-06 04:15:03 補充：
abd is a typing mistake. it should be and

2007-05-06 04:16:28 補充：
abd is a typing mistake. it should be and

Here is my point of view.

In fact, if your kid is around 5 years old, the cost of insurance (COI) will be the least in his/her life, and then it goes up when he/she grows up.
The advantage of making a whole life plan with a hospital insurance rider is that the COI will be lower when compared with a single hospital insurance, and some other benefit can be added, such as critical illness protection and accidental protection (with medical reimbursement), which are also in a lower COI. It is a good habit for you to buy an insurance for your kid when they are young. It is useful in both protection and saving. Of course, the coverage is not necessary to be too high. From my experience, around 30,000 USD of life coverage is ok.

And, some insurance companies have individual hospital insurance for you to choose. There is no "limited choice" for you.

Also, there may be a need to increase your life protection, but it needs to be confirm after further financial analysis. I wonder if your insurance agent has done it with you when your lovely kid was borned.


If you have any enquiries, please don't hesitate to email me.
I'm Syous, a Financial Plannar from AIA.
email: [email protected]

兒童需要人壽保險嗎？
http://financial.3forum.hk/viewthread.php?tid=198&extra=page%3D1

我認為是不必要的，我自已小時候也沒有買吧。
小朋友死亡率很低 (在香港，非洲就相反)

而當你加大人壽保障額時，可以買最平的純人壽。
平過一般的壽險 40~70% 保費 (相同保額)

you kid medical plan need to link with a life insurance because there are some company can not provide an independent medical plan so if their client want to buy any kind of protection , all the plan must be a life plan with the protection raider

in fact kid didnot need any life protection unless the life plan with saving thay can accumulate the wealth for the usage of education for kid

if you have the limitation of budget and want to increase your life protection
it is a good way to swap the budget of your kid life plan to do so