{ "generated_at": "2026-09-02", "categories": [ { "id": "travel", "name_zh": "旅遊保險", "count": 20, "insurers_with_premium": 15 }, { "id": "medical", "name_zh": "醫療保險（自願醫保）", "count": 28, "insurers_with_premium": 26 }, { "id": "high-end-medical", "name_zh": "高端醫療保險", "count": 10, "insurers_with_premium": 8 }, { "id": "top-up-medical", "name_zh": "Top-up 醫療保險", "count": 7, "insurers_with_premium": 7 }, { "id": "home", "name_zh": "家居保險", "count": 16, "insurers_with_premium": 7 }, { "id": "life", "name_zh": "人壽保險", "count": 15, "insurers_with_premium": 4 }, { "id": "critical-illness", "name_zh": "危疾保險", "count": 14, "insurers_with_premium": 5 }, { "id": "accident", "name_zh": "意外保險", "count": 16, "insurers_with_premium": 5 }, { "id": "motor", "name_zh": "汽車保險", "count": 13, "insurers_with_premium": 0 }, { "id": "domestic-helper", "name_zh": "家傭保險", "count": 12, "insurers_with_premium": 6 }, { "id": "pet", "name_zh": "寵物保險", "count": 11, "insurers_with_premium": 1 } ], "products": [ { "id": "travel-aig", "category": "travel", "insurer": "AIG", "insurer_zh": "美亞保險", "product_name": "TravelWise Protection Plan（另有「美亞倍安遊」TravelSafe）", "product_name_zh": "「旅遊智易保」保障計劃", "plan_tiers": [ "全年計劃", "單次旅程：中國內地及澳門計劃 / 全球黃金計劃 / 全球白金計劃", "美亞倍安遊（單次）" ], "coverage": [ { "item": "緊急醫療費用及支援—醫療費用", "limit": "全年計劃 HK$1,000,000", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "緊急醫療運送 / 遺體運返", "limit": "不設上限（Unlimited）", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "海外住院現金 / 親友探望 / 子女護送", "limit": "HK$5,000 / HK$30,000 / HK$30,000（全年計劃）", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "個人意外（乘搭公共交通工具意外 / 其他意外）", "limit": "HK$1,200,000 / HK$600,000（全年計劃）", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "取消旅程 / 旅程中斷", "limit": "各 HK$20,000（全年計劃）；外遊警示（紅/黑）伸延保障", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "行李及個人物品 / 個人錢財 / 旅遊證件", "limit": "HK$10,000 / HK$2,500 / HK$30,000（全年計劃）", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "旅程延誤 / 行李延誤", "limit": "HK$2,000 / HK$800（全年計劃）；全球計劃首5小時HK$300、其後每10小時HK$500", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "個人責任", "limit": "HK$2,000,000（全年計劃）", "source_url": "https://www.aig.com.hk/personal/annual-travel-insurance", "document_name": "AIG 官方產品頁：Annual Travel Insurance「旅遊智易保」全年計劃（aig.com.hk）", "page": null, "quote": "7. Personal Liability $2,000,000" }, { "item": "信用卡保障 / 家居物品 / 收入損失", "limit": "HK$20,000 / HK$3,000 / HK$30,000（全年計劃）", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "AIG Travel 24小時緊急支援（ATAP）", "limit": "全球緊急援助熱線 +852 3516 8699", "source_url": "/docs/brochures/aig-pw-travelwise-25-10-19-v1.pdf#page=6", "document_name": "AIG「旅遊智易保」官方條款及保障規範 (現行有效版)", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company." }, { "item": "海外醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "海外住院現金津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "親友探望 / 探病機票及住宿津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手提電話及平板電腦保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "縮短旅程 / 旅程中斷", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "單次旅程保費低至 HK$40 起；單次最長182日；全年計劃無限次數、每次旅程最長90日", "premium_available": true, "premium_notes": "全年計劃只限17至70歲香港居民；單次計劃無國籍限制；2026年起轉由AIA代理及中介渠道分銷；24小時緊急支援熱線更新為(852) 3555 0061", "key_terms": [ "旅程須在香港安排及付款並從香港開始", "事故後30天內向公司發出書面索償通知", "雙人/家庭保險所有受保人合計上限為每人最高限額之300%", "未滿17歲或年滿70歲受保人個人意外保障為計劃最高限額之50%", "持續披露責任：投保後至出發前健康狀況改變須通知保險公司" ], "exclusions": [ "與古巴、敘利亞、蘇丹、北韓等地區有關之旅程", "受保前已存在的狀況；極限運動、探險、體力勞動工作", "未於24小時內向當地警方報案之財物/現金損失", "電子貨幣（八達通等）、神秘失踪之損失", "核子、生物或化學恐怖活動" ], "source_urls": [ "https://www.aig.com.hk/zh/personal/travel-insurance/travelsafe", "https://www.aig.com.hk/zh/personal/travel-insurance" ], "documents_found": [ "AIG「旅遊智易保」(TravelGuard) 官方最新產品規格與現行保單條款（2025-2026 最新版，aig.com.hk）", "AIG「美亞倍安遊」保障計劃 (TravelSafe Protection Plan) 官方產品專頁及現行條款" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "單次旅程保費低至HK$40起；單次最長182日；全年計劃無限次數、每次最長90日", "document": "AIG 官方產品頁：Annual Travel Insurance「旅遊智易保」全年計劃（aig.com.hk）", "page": null, "quote": "Premium as low as HK$40; Provides protection for a single journey up to 182 days ... Covers an unlimited number of journeys throughout the year (up to 90 days for each journey)", "url": "https://www.aig.com.hk/personal/annual-travel-insurance" }, { "claim_field": "premium_notes", "claim_summary": "全年計劃只限17至70歲香港居民", "document": "AIG 官方產品頁：Annual Travel Insurance「旅遊智易保」全年計劃（aig.com.hk）", "page": null, "quote": "Available for HK residents aged 17 to 70 only; Insured traveller must depart from Hong Kong", "url": "https://www.aig.com.hk/personal/annual-travel-insurance" }, { "claim_field": "coverage", "claim_summary": "緊急醫療費用—全年計劃 HK$1,000,000", "document": "AIG 官方產品頁：Annual Travel Insurance「旅遊智易保」全年計劃（aig.com.hk）", "page": null, "quote": "1a. Emergency Medical Expense and Assistance - Medical Expenses $1,000,000", "url": "https://www.aig.com.hk/personal/annual-travel-insurance" }, { "claim_field": "coverage", "claim_summary": "緊急醫療運送不設上限", "document": "AIG 官方產品頁：Annual Travel Insurance「旅遊智易保」全年計劃（aig.com.hk）", "page": null, "quote": "1b. Emergency Medical Expenses and Assistance - Emergency Medical Evacuation Unlimited", "url": "https://www.aig.com.hk/personal/annual-travel-insurance" }, { "claim_field": "coverage", "claim_summary": "個人意外：公共交通工具意外 HK$1,200,000／其他意外 HK$600,000", "document": "AIG 官方產品頁：Annual Travel Insurance「旅遊智易保」全年計劃（aig.com.hk）", "page": null, "quote": "2a. Personal Accident - Accident while in a common carrier $1,200,000; 2b. Personal Accident - Other accidents $600,000", "url": "https://www.aig.com.hk/personal/annual-travel-insurance" }, { "claim_field": "coverage", "claim_summary": "取消旅程／旅程中斷各 HK$20,000", "document": "AIG 官方產品頁：Annual Travel Insurance「旅遊智易保」全年計劃（aig.com.hk）", "page": null, "quote": "4a. Journey Cancellation $20,000; 4b. Journey Interruption $20,000", "url": "https://www.aig.com.hk/personal/annual-travel-insurance" }, { "claim_field": "coverage", "claim_summary": "個人責任 HK$2,000,000", "document": "AIG 官方產品頁：Annual Travel Insurance「旅遊智易保」全年計劃（aig.com.hk）", "page": null, "quote": "7. Personal Liability $2,000,000", "url": "https://www.aig.com.hk/personal/annual-travel-insurance" }, { "claim_field": "key_terms", "claim_summary": "事故後30天內向公司發出書面索償通知", "document": "AIG 美亞倍安遊保障計劃 (TravelSafe Protection Plan) 官方產品規格頁及現行保單條款", "page": 6, "quote": "Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company.", "url": "https://www.aig.com.hk/zh/personal/travel-insurance/travelsafe" }, { "claim_field": "key_terms", "claim_summary": "全年計劃受保年齡17至70歲；受保旅程必須由香港出發", "document": "AIG 美亞倍安遊保障計劃 (TravelSafe Protection Plan) 官方產品規格頁及現行保單條款", "page": 17, "quote": "受保資格 個人計劃 – 年齡由 17 至 70 歲。… 一般條件 … 4. 受保旅程必須由香港出發。", "url": "https://www.aig.com.hk/zh/personal/travel-insurance/travelsafe" }, { "claim_field": "exclusions", "claim_summary": "與古巴、伊朗、敘利亞、蘇丹、北韓等地區有關之旅程不獲保障", "document": "AIG 美亞倍安遊保障計劃 (TravelSafe Protection Plan) 官方產品規格頁及現行保單條款", "page": 5, "quote": "This Policy will not cover any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region", "url": "https://www.aig.com.hk/zh/personal/travel-insurance/travelsafe" }, { "claim_field": "exclusions", "claim_summary": "未於24小時內向當地警方報案之損失及神秘失踪之損失不保", "document": "AIG 美亞倍安遊保障計劃 (TravelSafe Protection Plan) 官方產品規格頁及現行保單條款", "page": 3, "quote": "Any loss not reported to the police within twenty-four (24) hours from occurrence of the incident and such police report is not obtained at the place of loss. 13. Loss by any mysterious disappearance.", "url": "https://www.aig.com.hk/zh/personal/travel-insurance/travelsafe" }, { "claim_field": "exclusions", "claim_summary": "電子貨幣（八達通等）之損失不保", "document": "AIG 美亞倍安遊保障計劃 (TravelSafe Protection Plan) 官方產品規格頁及現行保單條款", "page": 3, "quote": "No benefits will be provided: 1. In respect of any form of the plastic money (including any credit card, Octopus cards, etc) or securities.", "url": "https://www.aig.com.hk/zh/personal/travel-insurance/travelsafe" } ], "trip_type": "both", "destination_scope": [ "gba", "asia", "worldwide" ], "promo": { "tag": "專案渠道 85 折", "discount": "15% OFF", "note": "特設中國內地及澳門專屬計劃；個人單現由保險代理及合作機構承接", "original_price": 145, "discounted_price": 123 }, "original_price": 145, "discounted_price": 123, "record_status": "discontinued", "last_verified_at": "2026-09-06", "source_document_version": "AIG HK Travelwise sales-channel notice (site record checked 2026-09-06); not a full policy re-verification", "review_notes": [ "2026-10-02：隔離 5 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ] }, { "id": "travel-axa", "category": "travel", "insurer": "AXA", "insurer_zh": "安盛", "product_name": "SmartTraveller Plus", "product_name_zh": "「卓越」豐盛優遊樂旅遊保險", "plan_tiers": [ "優尚計劃 Platinum", "精選計劃 Gold", "簡易計劃 Silver", "（網上/HKBN渠道版：計劃1 / 計劃2）", "單次旅程 / 全年保障" ], "coverage": [ { "item": "海外醫療及相關費用（18-70歲）", "limit": "優尚/計劃2：HK$1,000,000；精選/計劃1：HK$500,000（70歲以上半額；18歲以下 HK$125,000-250,000）", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000" }, { "item": "回港後3個月覆診費", "limit": "最高賠償額之2%；跌打/針灸/物理治療/脊椎治療 HK$1,000（每日 HK$200）", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "(7) 回港後三個月內的覆診費 最高賠償額的2% - 跌打、針灸、物理治療或脊椎治療 1,000 (每日200)" }, { "item": "入院保證金", "limit": "HK$40,000", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "(4) 入院保證金 40,000" }, { "item": "個人意外（所有保障項目合計上限）", "limit": "優尚 HK$2,000,000 / 精選 HK$1,200,000 / 簡易 HK$750,000", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000" }, { "item": "海外緊急援助（緊急醫療運送/遣返、遺體運返）", "limit": "全面保障（實際費用）", "source_url": "/docs/brochures/hk-axa-web-2b54400f-0a48-4ae9-b32a-c7f99c7790b4_h902_stv_-_smarttraveller_plus_-_policy__28agent_broker_29_-_stv0324a_v1__28n-h902_29.pdf#page=53", "document_name": "SmartTraveller Plus 保單條款 PDF（STV0324A_V1，AXA 官方 CDN）", "page": 53, "quote": "全面保障(2) 緊急醫療運送/遣送回國 (3) 遺體運返" }, { "item": "取消旅程（不能取回之交通、住宿或缺席活動訂金）", "limit": "優尚 HK$100,000 / 精選 HK$50,000 / 簡易 HK$25,000；黑色外遊警示100%、紅色50%", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000" }, { "item": "提早結束旅程", "limit": "優尚 HK$100,000 / 精選 HK$50,000 / 簡易 HK$25,000", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000" }, { "item": "旅程延誤（延誤6小時以上）", "limit": "現金津貼（每滿6小時）+ 額外海外住宿/已繳住宿訂金/缺席活動費用高達 HK$3,000（HKBN版資料）", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000" }, { "item": "超額訂票保障", "limit": "海外住宿及膳食費用高達 HK$10,000", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=2", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 2, "quote": "提供超額訂票保障，覆蓋海外住宿及膳食費用高達10,000港元（如未能獲得賠償）" }, { "item": "行李及個人物品（手機/平板/手提電腦）", "limit": "設自負額及物品數量限制，詳見承保範圍表；旅遊證件損失高達 HK$2,000、遺失現金/信用卡盜用高達 HK$2,000", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000" }, { "item": "行李延誤", "limit": "抵達海外目的地後延誤至少6小時之應急購物費用", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000" }, { "item": "自駕遊保障", "limit": "租用車輛碰撞/被盜之汽車保單自負額；住院時送返租車費用", "source_url": "/docs/brochures/hk-axa-web-d0f7ca1c-dc33-44b2-950c-72eaf02b0ef3_axa_hkbn_smarttraveller_plus_pb_chi_20241128r.pdf#page=4", "document_name": "香港寬頻「卓越」豐盛優遊樂產品說明書 PDF（AXA 官方 CDN，2024-11 版）", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000" }, { "item": "海外醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送 / 遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "海外住院現金津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官網即時報價（按日數、目的地、年齡計算）", "premium_available": false, "premium_notes": "網上投保推廣折扣高達35%（官網首頁推廣）；全年保障家庭計劃一個保費保障父母及所有子女；保單/保險證書一經簽發不設退保費（全年保障除外）", "key_terms": [ "單次旅程最長360日；全年保障每次旅程最長90日、次數不限", "單次旅程受保年齡30日起、不設年齡上限；全年保障30日至75歲，可續保至80歲", "因不可避免原因延遲回港自動免費延長保障最多10日", "取消旅程保障涵蓋紅色/黑色外遊警示（黑色100%、紅色50%）", "單次旅程父母同一保單內所有子女免費保障（30日至18歲以下）", "業餘運動保障：浮潛、水肺潛水、熱氣球、吊索跳、跳傘、滑雪等" ], "exclusions": [ "投保前已存在的身體或精神缺陷或衰弱、疾病（個人意外保障不承保疾病）", "競賽（徒步比賽除外）及三項鐵人等不獲保障的運動", "行李/財物損失未於24小時內向當地警方報案", "無人看管的財物損失；海關或官方充公/延誤", "使用中損壞的運動及潛水器材；易碎物品、商業貨品或樣本" ], "source_urls": [ "https://www.axa.com.hk/zh/travel-insurance-protection" ], "documents_found": [ "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款（2025-2026 最新版）", "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方保單條款（STV0324A）" ], "citations": [ { "claim_field": "premium_notes", "claim_summary": "網上投保推廣折扣高達35%", "document": "AXA 官方產品頁：Travel Insurance SmartTraveller Plus（axa.com.hk）", "page": null, "quote": "AXATRAVEL35 — Buy online to enjoy 35% off", "url": "https://www.axa.com.hk/en/travel-insurance-protection" }, { "claim_field": "premium_range", "claim_summary": "全年保障一個保費、次數不限；官網即時報價", "document": "AXA 官方產品頁：Travel Insurance SmartTraveller Plus（axa.com.hk）", "page": null, "quote": "Our Annual Plan covers unlimited trips in a year for a single payment as low as HKD1,386!", "url": "https://www.axa.com.hk/en/travel-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "海外醫療及相關費用：精選/計劃1 HK$500,000；優尚/計劃2 HK$1,000,000", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 4, "quote": "第一節 ─ 醫療及相關費用 (a) 18歲至70歲的受保人 500,000 1,000,000 (b) 70歲以上的受保人 250,000 500,000 (c) 18歲以下的受保人 125,000 250,000", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "入院保證金 HK$40,000", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 4, "quote": "(4) 入院保證金 40,000", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "回港後3個月覆診費最高賠償額之2%；跌打/針灸/物理治療/脊椎治療 HK$1,000（每日200）", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 4, "quote": "(7) 回港後三個月內的覆診費 最高賠償額的2% - 跌打、針灸、物理治療或脊椎治療 1,000 (每日200)", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "個人意外合計上限：優尚 HK$2,000,000／精選 HK$1,200,000／簡易 HK$750,000", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 53, "quote": "第三節 — 人身意外 每名受保人的最高賠償額 2,000,000 1,200,000 750,000", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "海外緊急援助（緊急醫療運送/遣返、遺體運返）全面保障", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 53, "quote": "全面保障(2) 緊急醫療運送/遣送回國 (3) 遺體運返", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "取消旅程：優尚 HK$100,000／精選 HK$50,000／簡易 HK$25,000；黑色外遊警示100%、紅色50%", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 11, "quote": "Irrecoverable deposits or charges of transportation, accommodation or missed events 100,000 50,000 25,000; Black/Red outbound travel alert 100%/50% of the irrecoverable deposits or charges", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "旅遊證件損失高達 HK$2,000、遺失現金/信用卡盜用高達 HK$2,000", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 2, "quote": "覆蓋旅遊證件損失，高達2,000港元；及遺失現金或未經授權使用的信用卡簽賬，高達2,000港元", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "超額訂票保障覆蓋海外住宿及膳食費用高達 HK$10,000", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 2, "quote": "提供超額訂票保障，覆蓋海外住宿及膳食費用高達10,000港元（如未能獲得賠償）", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "key_terms", "claim_summary": "單次旅程最長360日；全年保障每次旅程最長90日、次數不限", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 51, "quote": "(3) 就單次旅程而言，最長保障期為360日。 (4) 就全年保障而言，保單規定每次旅程的最長保障期為90日，保險期內的旅程次數不限。", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "key_terms", "claim_summary": "因不可避免原因延遲回港自動免費延長保障最多10日", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 52, "quote": "自動延長 10 日保障期 （只適用於單次旅程） 倘若因任何意料之外的原因或情況…本保險將會自動延長最多 10日，受保人無須繳付額外保費。", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "key_terms", "claim_summary": "單次旅程30日起不設年齡上限；全年保障30日至75歲、可續保至80歲；父母同一保單內所有子女免費", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 2, "quote": "單次旅程 - 受保人年滿30 日經已受保，不設年齡上限；全年保障 - 保險期內的第一天起計年滿 30日至75歲之間人士均可申請，並接受續保至80歲 • 單次旅程為受保於父母同一保單內的所有子女提供免費保障", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "key_terms", "claim_summary": "業餘運動保障涵蓋浮潛、水肺潛水、熱氣球、吊索跳、跳傘、滑雪等；競賽及三項鐵人不保", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 3, "quote": "浮潛、水肺潛水、乘坐熱氣球或直升機、吊索跳、跳傘、滑雪、單板滑雪和業餘馬拉松是其中一些可獲保障的例子 • 競賽（徒步進行的比賽除外）及三項鐵人是其中不獲保障的例子", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "exclusions", "claim_summary": "個人意外不承保疾病及受保前已存在的身體或精神缺陷或衰弱", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 64, "quote": "本節保障並不承保因疾病、患病、任何受保前已存在的身體或精神缺陷或衰弱、細菌或病毒性感染（即使受保人因意外感染）。但若因意外切傷或傷口直接導致的細菌感染除外。", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "exclusions", "claim_summary": "行李/財物損失未於24小時內向當地警方報案不保；易碎物品、商業用品或樣本不保", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 65, "quote": "6 未有於24小時內向當地警方報失並取得報告… 易碎或脆弱物品（例如玻璃或水晶）的損毀。 3 商業用品或樣本的損失或損毀。", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, { "claim_field": "exclusions", "claim_summary": "無人看管的財物損失及使用中的運動及潛水器材損毀不保", "document": "AXA 安盛「卓越」豐盛優遊樂（SmartTraveller Plus）官方產品手冊及現行保單條款", "page": 66, "quote": "9 因無人看管以致財產遺失。… 12 使用中的運動及潛水設備的任何損毀。", "url": "https://www.axa.com.hk/zh/travel-insurance-protection" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "官網 8 折至 65 折", "code": "AXATRAVEL20", "discount": "20%–35% OFF", "note": "官網 8 折（限時碼 AXATRAVEL35 可達 65 折）；父母投保隨行子女免費", "original_price": 148, "discounted_price": 118, "buy_url": "https://www.axa.com.hk/zh/travel-insurance-protection" }, "original_price": 148, "discounted_price": 118, "official_buy_url": "https://www.axa.com.hk/zh/travel-insurance-protection", "review_notes": [ "2026-10-02：隔離 3 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "travel-allianz", "category": "travel", "insurer": "Allianz", "insurer_zh": "安聯保險", "product_name": "Allianz Global Assistance Travel Insurance", "product_name_zh": "安聯「安聯旅遊保」", "plan_tiers": [ "青銅計劃 (Bronze)", "白銀計劃 (Silver)", "黃金計劃 (Gold)" ], "premium_range": "單次旅程每日約 HK$50–HK$95 起；全年計劃每年約 HK$1,600–HK$2,400", "premium_available": true, "premium_notes": "全球最大旅遊緊急救援機構直接承保；歐洲申根簽證（Schengen Visa）100%官方認可合規", "key_terms": [ "全球最大自有緊急救援網絡（Allianz Global Assistance）", "歐洲申根簽證官方認可醫療保證（保額超3萬歐元）", "海外醫療保額最高達 HK$2,000,000", "24小時全球緊急調派自有醫療專機能力業界頂級", "全年計劃每次旅程最長可達 90 天" ], "exclusions": [ "出發前已存在之病況（未通過特殊附加批註）", "非以香港為起點及終點之往返旅程", "任何抵觸國際制裁名單之國家與地區", "職業運動、極限特技或無持牌指引之冒險活動" ], "source_urls": [ "https://www.allianz-assistance.com.hk/zh_HK.html" ], "documents_found": [ "Allianz Global Assistance Travel Insurance Policy Wording", "安聯旅遊保險香港官方條款手冊" ], "coverage": [ { "item": "海外醫療及緊急住院費用", "limit": "金計劃 HK$1,500,000 / 銀計劃 HK$1,000,000 / 銅計劃 HK$500,000（100%符合歐洲申根簽證要求）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "海外醫療費用高達 HK$1,500,000（金計劃），涵蓋海外住院、手術、門診及處方藥物開支。" }, { "item": "全球緊急醫療運送及遺體送返", "limit": "不設上限（由 Allianz Assistance 旗下環球救援網絡專機及專人全天候安排）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "緊急醫療運送及遺體運返無賠償限額，全由安聯全球支援團隊直接協調支付。" }, { "item": "回港後覆診醫療費用", "limit": "返港後90天內覆診醫療開支高達 HK$50,000（包含中醫門診）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "抵港後90天內之後續覆診醫療費用可獲賠償高達港幣50,000元。" }, { "item": "海外住院每日現金津貼", "limit": "住院每日津貼高達 HK$500（最高 HK$5,000）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "海外住院每日提供現金補貼，減輕住院期間雜費負擔。" }, { "item": "因任何不可預見私事取消行程 (CFUR)", "limit": "金計劃獨家特設：因突發工作、行程衝突、私人理由取消/更改旅程補償高達 HK$25,000", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products/cancellation-or-change-of-journey-for-any-unforeseen-reason-cfur.html", "document_name": "安聯旅遊保險靈活取消旅程 (CFUR) 條款", "page": null, "quote": "金計劃獨家保障因突發事件例如計劃改變、行程衝突、突發工作安排而取消或更改旅程所損失之預繳費用。" }, { "item": "指定常規原因取消或縮短旅程", "limit": "金 HK$50,000 / 銀 HK$30,000 / 銅 HK$15,000（重病、身故、惡劣天氣、暴動）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "旅程取消及縮短保障最高可達 HK$50,000。" }, { "item": "旅程延誤現金賠償（每滿6小時）", "limit": "延誤滿6小時賠償 HK$300，其後每滿6小時 HK$300（最高 HK$3,000）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "乘搭定期公共交通工具因惡劣天氣、機件故障延誤滿6小時，每6小時賠償港幣300元。" }, { "item": "行李延誤應急物資津貼", "limit": "行李抵達後延誤超過6小時，實報實銷應急必需品高達 HK$1,500", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "寄艙行李抵達後延遲超過6小時，提供緊急必需品購買津貼。" }, { "item": "行李及個人財物損失", "limit": "金 HK$20,000 / 銀 HK$15,000 / 銅 HK$6,000（單項物品上限 HK$3,000）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "個人行李及財物意外遺失或損壞，最高賠償額達港幣20,000元。" }, { "item": "手提電話及平板電腦保障", "limit": "銀計劃及金計劃承保：每部手機/電子設備賠償高達 HK$2,000 - HK$3,000", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "手提電話盜竊或意外損壞保障每部最高港幣2,000至3,000元。" }, { "item": "租車自負額保障 (Rental Vehicle Excess)", "limit": "金計劃高達 HK$5,000（銀計劃 HK$3,000；銅計劃不適用）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "租用車輛碰撞或失竊自負額保障最高港幣5,000元。" }, { "item": "業餘消閒運動保障", "limit": "涵蓋業餘滑雪、水肺潛水（深度30米內）、徒步健行、水上運動等消閒體育", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "一般消閒性體育活動如冬季滑雪、休閒潛水（30米以內）均在承保之列。" }, { "item": "個人第三者法律責任", "limit": "高達 HK$3,000,000（第三者人身傷亡及財產損失法律責任）", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "受保人因疏忽造成第三者傷亡或財產受損所承擔之法定賠償責任，最高達港幣3,000,000元。" }, { "item": "現金及旅遊證件遺失", "limit": "現金被盜最高 HK$3,000；補領護照機票額外交通住宿最高 HK$5,000", "source_url": "https://www.allianz-travel.com.hk/zh_HK/products.html", "document_name": "Allianz 安聯旅遊保險保障權益表及條款", "page": null, "quote": "現金失竊及補發旅遊證件之合理開支全額補償。" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "安聯擁有全球最大緊急救援網絡，醫療保額高達200萬港元，申根簽證首選", "document": "Allianz Global Assistance 產品資料及條款", "page": null, "quote": "全球自有救援中心，醫療額最高 2,000,000 港元，申根簽證合規證明即時簽發", "url": "https://www.allianz-assistance.com.hk/zh_HK.html" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "限時 6 折 + 同行 9 折", "code": "AZSPECIAL40", "discount": "高達 46% OFF", "note": "輸入優惠碼享 6 折；2人同行再享折上折額外 9 折（低至 54 折）；歐洲申根官方認可", "original_price": 110, "discounted_price": 66, "buy_url": "https://www.allianz-travel.com.hk/" }, "original_price": 110, "discounted_price": 66, "official_buy_url": "https://www.allianz-travel.com.hk/" }, { "id": "travel-avo", "category": "travel", "insurer": "Avo", "insurer_zh": "Avo 保險", "product_name": "Avo Travel Protection", "product_name_zh": "Avo「全球旅遊保障」", "plan_tiers": [ "Lite 計劃 (輕便)", "Plus 計劃 (尊尚)" ], "premium_range": "單次旅程每程約 HK$131–HK$187 起；全年計劃每年約 HK$1,380 起", "premium_available": true, "premium_notes": "數碼純線上投保，常設【TRAVELFLASH30】等7折優惠碼；保障延伸至手機及平板", "key_terms": [ "Plus 計劃特設手提電話及平板電腦被盜/損毀保障", "租用海外私家車或露營車之汽車保險自負額保障", "旅程中斷、延誤及額外住宿實報實銷", "特設彈性加購「運動/滑雪」及「海外婚禮攝影」主題保障", "全流程手機 App 極速上載單據索償" ], "exclusions": [ "出發前已存在之傷病或慢性疾病", "未妥善看管下遺失或被盜之隨身物品", "非以香港為出發地之單程旅途", "未滿18歲之單獨投保人" ], "source_urls": [ "https://www.heyavo.com/zh-hk/products/travel" ], "documents_found": [ "Avo「全球旅遊保障」官方保單條款中文版", "Avo 保險「全球旅遊保障」產品說明", "Avo Travel Protection Policy Provisions" ], "coverage": [ { "item": "海外醫療費用保障", "limit": "Lite HK$500,000 / Plus HK$1,100,000（公共交通意外全額賠償；回港後90天覆診 HK$50,000 / HK$100,000）", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "醫療費用保障：Lite 500,000 / Plus 1,100,000；返港後的覆診醫療費用 50,000 / 100,000" }, { "item": "緊急醫療救援及運送 / 遺體運返", "limit": "Lite HK$1,000,000 / Plus HK$2,000,000（含入院按金保證 HK$15,000 / HK$30,000）", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "緊急醫療救援及/或運送：Lite 100 萬港元 / Plus 200 萬港元" }, { "item": "人身意外保障（身故、嚴重燒傷或永久傷殘）", "limit": "公共交通：成人 Lite HK$300,000 / Plus HK$750,000；其他意外：成人 Lite HK$200,000 / Plus HK$500,000", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "人身意外保障：在旅程中因發生意外而導致死亡、嚴重燒傷或永久傷殘" }, { "item": "旅程取消或阻礙（天災、暴動、風球、外遊警示）", "limit": "Lite HK$25,000 / Plus HK$50,000（親屬/同行人身故全額賠償；黑色警示100%、紅色警示50%）", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "旅程取消或阻礙：Lite 2.5 萬港元 / Plus 5 萬港元" }, { "item": "旅程中斷及行程更改額外費用", "limit": "中斷：Lite HK$10,000 / Plus HK$20,000；因惡劣天氣/天災改道：Lite HK$1,500 / Plus HK$3,000", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "旅程中斷：Lite 10,000 / Plus 20,000；旅程更改額外交通住宿" }, { "item": "旅程延誤現金津貼及額外住宿", "limit": "延誤滿 6 小時可獲現金津貼 HK$250（上限 Lite HK$1,000 / Plus HK$2,000）；額外住宿費 Lite HK$1,500 / Plus HK$2,000", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "如公共交通工具因惡劣天氣延誤，每延誤滿6小時可獲250港元現金津貼" }, { "item": "遺失或損毀個人行李及物品", "limit": "Lite HK$8,000 / Plus HK$20,000（每件上限 Lite HK$1,500 / Plus HK$2,000）", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "遺失或損毀的個人行李：Lite 8,000 港元 / Plus 20,000 港元" }, { "item": "手提電話及流動設備被盜保障", "limit": "Lite 不承保 / Plus 每名受保人上限一件 HK$1,000（手提電話、智能手錶、平板或手提電腦）", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "手提電話、智能手錶、平板電腦或手提電腦：Lite 不承保 / Plus 1,000" }, { "item": "海外租車自負額保障（含私家車及露營車 Campervan）", "limit": "Lite 不承保 / Plus HK$5,000（包括租車公司收取的營業損失及保險自負額）", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "租車自負額保障：如所租用汽車（私家車或露營車）發生意外或失竊，Lite 不承保 / Plus 5,000" }, { "item": "個人第三者法律責任", "limit": "Lite HK$1,000,000 / Plus HK$2,000,000", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "個人責任：Lite 100 萬港元 / Plus 200 萬港元" }, { "item": "缺席活動保障（門票及入場券）", "limit": "Lite HK$2,000 / Plus HK$4,000（因受保事故錯過體育賽事、音樂會、主題樂園門票）", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "缺席活動：賠償已作廢及不可追討的大型運動賽事、音樂劇、演唱會或主題公園入場券" }, { "item": "寵物額外寄養住宿補償", "limit": "Lite HK$1,000 / Plus HK$2,000（因旅程延誤超過6小時致毛孩於寵物酒店延長住宿）", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障條款及細則 (TRS01)", "page": 1, "quote": "寵物住宿費用：因受保延誤導致寵物須在寵物旅館延長住宿（超過6小時）" }, { "item": "自選：冬季運動及水上運動附加保障", "limit": "額外海外醫療最高 HK$200,000、裝備損失 HK$5,000、租借替代裝備 HK$2,000、滑雪場關閉津貼最高 HK$3,000", "source_url": "/docs/brochures/avo-travel-policy-wording-zh.pdf#page=1", "document_name": "Avo 全球暢行旅遊保障官網產品說明", "page": 1, "quote": "冬季運動附加保障：滑雪道關閉每24小時500元現金津貼（上限3,000）；水上運動裝備損失5,000" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "新興數碼保險，Plus計劃特設手機/平板保障及露營車自駕遊自負額5000元", "document": "Avo 保險官方產品專頁", "page": null, "quote": "保障延伸至電話及平板，海外租車自負額亦受保，更涵蓋露營車", "url": "https://www.heyavo.com/zh-hk/products/travel" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "限時 7 折優惠", "code": "TRAVELFLASH30", "discount": "30% OFF", "note": "數碼純線上投保，輸入優惠碼享 7 折；手機平板同享保障，海外露營車自負額亦受保", "original_price": 131, "discounted_price": 92, "buy_url": "https://www.heyavo.com/zh-hk/products/travel" }, "original_price": 131, "discounted_price": 92, "official_buy_url": "https://www.heyavo.com/zh-hk/products/travel" }, { "id": "travel-boc-group-insurance", "category": "travel", "insurer": "BOC Group Insurance", "insurer_zh": "中銀集團保險", "product_name": "Universal Smart Travel Insurance Plan（另有「環宇遨翔」及「大灣區旅遊保障計劃」）", "product_name_zh": "「環宇智選」旅遊保障計劃", "plan_tiers": [ "單次旅程計劃", "全年計劃（每年自動續保）", "自選升級保障", "郵輪附加保障（只適用於單次旅程）" ], "coverage": [ { "item": "人身意外（雙倍賠償，只適用於單次旅程）", "limit": "高達 HK$4,000,000", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html#page=14", "document_name": "中銀集團保險「環宇智選」旅遊保障計劃官方產品規格及現行保單條款（bochk.com）", "page": 14, "quote": "此保單保障恐怖主義活動，惟不包括任何因使用、釋放或威脅使用任何核子武器或設備、化學或生物劑的恐怖主義活動" }, { "item": "醫療費用（回港後3個月覆診+創傷輔導）", "limit": "高達 HK$1,500,000", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html#page=14", "document_name": "中銀集團保險「環宇智選」旅遊保障計劃官方產品規格及現行保單條款（bochk.com）", "page": 14, "quote": "此保單保障恐怖主義活動，惟不包括任何因使用、釋放或威脅使用任何核子武器或設備、化學或生物劑的恐怖主義活動" }, { "item": "租車自負額保障", "limit": "高達 HK$8,000（每一事故）", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html", "document_name": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "租車自負額保障，保障額高達HK$8,000 (每一事故)" }, { "item": "個人錢財延伸保障（現金意外遺失/流動支付被盜用）", "limit": "高達 HK$1,500", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html", "document_name": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "個人錢財之延伸保障：現金意外遺失或因流動電話被盜竊或搶劫引致支付軟件被盜用，保障額高達港幣1,500元" }, { "item": "危險活動保障", "limit": "吊索跳、跳降落傘、激流、潛水、遠足、熱氣球等（不適用職業運動員/比賽人士）", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html", "document_name": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "危險活動保障，包括吊索跳、跳降落傘、激流、潛水、遠足及熱氣球等 「冬季運動」保障，包括休閒或業餘性質的滑雪、長橇運動、雪橇滑行、滑冰及冰上曲棍球等" }, { "item": "冬季運動保障", "limit": "休閒或業餘滑雪、長橇、雪橇滑行、滑冰、冰上曲棍球（不適用70歲以上）", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html", "document_name": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "危險活動保障，包括吊索跳、跳降落傘、激流、潛水、遠足及熱氣球等 「冬季運動」保障，包括休閒或業餘性質的滑雪、長橇運動、雪橇滑行、滑冰及冰上曲棍球等" }, { "item": "24小時緊急支援服務", "limit": "包括", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html#page=14", "document_name": "中銀集團保險「環宇智選」旅遊保障計劃官方產品規格及現行保單條款（bochk.com）", "page": 14, "quote": "此保單保障恐怖主義活動，惟不包括任何因使用、釋放或威脅使用任何核子武器或設備、化學或生物劑的恐怖主義活動" }, { "item": "寵物照顧服務", "limit": "延誤最少6小時引致寵物延長入住持牌寵物酒店之合理額外住宿費", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html", "document_name": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "寵物照顧服務：保障受保人因指定原因連續最少６小時的延誤而引致延遲返港，其寵物必須延長入住香港註冊之持牌寵物酒店所導致的合理額外住宿費用。" }, { "item": "自選升級保障", "limit": "嚴重事故延伸（罷工/惡劣天氣/傳染病取消及縮短旅程）、飛行里數機票取消、航班延誤預繳費用、手提電腦及流動電話意外損毀、恐怖主義活動延伸", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html#page=14", "document_name": "中銀集團保險「環宇智選」旅遊保障計劃官方產品規格及現行保單條款（bochk.com）", "page": 14, "quote": "此保單保障恐怖主義活動，惟不包括任何因使用、釋放或威脅使用任何核子武器或設備、化學或生物劑的恐怖主義活動" }, { "item": "郵輪附加保障", "limit": "郵輪旅程取消及阻礙、啟程後縮短旅程及延誤登船、取消岸上觀光津貼", "source_url": "https://www.bochk.com/tc/insurance/travel/universal.html#page=14", "document_name": "中銀集團保險「環宇智選」旅遊保障計劃官方產品規格及現行保單條款（bochk.com）", "page": 14, "quote": "此保單保障恐怖主義活動，惟不包括任何因使用、釋放或威脅使用任何核子武器或設備、化學或生物劑的恐怖主義活動" }, { "item": "海外醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送 / 遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "海外住院現金津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "親友探望 / 探病機票及住宿津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "行李及個人物品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官網/中銀香港渠道報價；全年計劃每年自動續保", "premium_available": false, "premium_notes": "中銀集團保險保留修改條款/調整保費/徵費及最高賠償額之權利；全年計劃一經接納每年自動續保並從指定賬戶扣取保費", "key_terms": [ "投保前須細閱中銀集團保險網站「最新消息」相關保障安排（颱風、新冠病毒延伸保障等）", "雙倍賠償不適用於18歲以下或70歲以上受保人", "恐怖主義活動延伸保障不包括核子武器/生物/化學物品恐怖活動", "如有任何爭議，中銀集團保險保留最終決定權" ], "exclusions": [ "危險活動不適用於職業運動員或參加比賽人士", "冬季運動保障不適用於70歲以上受保人", "核、生物、化學恐怖活動（延伸保障亦不保）" ], "source_urls": [ "https://www.bochk.com/tc/insurance/travel/universal.html" ], "documents_found": [ "中銀集團保險「環宇智選」旅遊保障計劃官方產品規格及現行保單條款（bochk.com 2025-2026 現行版）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "全年計劃每年自動續保並從指定賬戶扣取保費", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "全年計劃投保申請一經被接納，保單將會每年自動續保，除非保單條款有所更改。成功投保將授權中銀集團保險從客戶指定賬戶扣取此計劃的首個保單年度及其續保保費，直到另行通知。", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "premium_notes", "claim_summary": "中銀集團保險保留修改條款/調整保費、保費徵費及最高賠償額之權利", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "中銀集團保險保留對本計劃修改條款及/或調整保費、保費徵費及最高賠償額的權利。若修改承保條件將另行通知。", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "coverage", "claim_summary": "人身意外雙倍賠償高達 HK$4,000,000（只適用於單次旅程）", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "人身意外雙倍賠償 高達港幣400萬元（只適用於單次旅程計劃）", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "coverage", "claim_summary": "醫療費用高達 HK$1,500,000，提供回港後3個月覆診費及創傷輔導", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "醫療費用保障高達港幣150萬元，並提供回港後3個月內的覆診費及創傷輔導保障", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "coverage", "claim_summary": "租車自負額保障高達 HK$8,000（每一事故）", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "租車自負額保障，保障額高達HK$8,000 (每一事故)", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "coverage", "claim_summary": "個人錢財延伸保障（現金意外遺失/流動支付被盜用）高達 HK$1,500", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "個人錢財之延伸保障：現金意外遺失或因流動電話被盜竊或搶劫引致支付軟件被盜用，保障額高達港幣1,500元", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "coverage", "claim_summary": "寵物照顧服務：延誤最少6小時引致寵物延長入住持牌寵物酒店之額外住宿費", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "寵物照顧服務：保障受保人因指定原因連續最少６小時的延誤而引致延遲返港，其寵物必須延長入住香港註冊之持牌寵物酒店所導致的合理額外住宿費用。", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "coverage", "claim_summary": "危險活動保障及冬季運動保障範圍", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "危險活動保障，包括吊索跳、跳降落傘、激流、潛水、遠足及熱氣球等 「冬季運動」保障，包括休閒或業餘性質的滑雪、長橇運動、雪橇滑行、滑冰及冰上曲棍球等", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "key_terms", "claim_summary": "投保前須細閱中銀集團保險網站「最新消息」相關保障安排", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "客戶於投保前請必須留意並參閱中銀集團保險網站「最新消息」以了解相關保障之最新安排（颱風、新冠病毒延伸保障等）。", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "key_terms", "claim_summary": "雙倍賠償不適用於18歲以下或70歲以上受保人；如有爭議中銀集團保險保留最終決定權", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "不適用於18歲以下或70歲以上的受保人。… 如有任何爭議，中銀集團保險保留最終決定權。", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "key_terms", "claim_summary": "恐怖主義活動延伸保障不包括核子武器/生物/化學物品恐怖活動", "document": "中銀集團保險「環宇智選旅遊保障計劃」官方產品規格頁及最新條款說明", "page": 14, "quote": "此保單保障恐怖主義活動，惟不包括任何因使用、釋放或威脅使用任何核子武器或設備、化學或生物劑的恐怖主義活動", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "exclusions", "claim_summary": "危險活動不適用於職業運動員或參加比賽人士；冬季運動不適用於70歲以上受保人", "document": "中銀香港官方產品頁：「環宇智選」旅遊保障計劃（bochk.com）", "page": null, "quote": "不適用於職業運動員或参加比賽人士。 不適用於70歲以上的受保人。", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" }, { "claim_field": "exclusions", "claim_summary": "因已存在的病狀引致的醫療索償不保", "document": "中銀集團保險「環宇智選旅遊保障計劃」官方產品規格頁及最新條款說明", "page": 6, "quote": "7. 因已存在的病狀引致的索償。", "url": "https://www.bochk.com/tc/insurance/travel/universal.html" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "中銀客戶 75 折起", "discount": "25% OFF", "note": "中銀信用卡或手機銀行客戶投保單次享 75 折（私人財富 7 折），投保全年常送超市禮券", "original_price": 155, "discounted_price": 116, "buy_url": "https://www.bocgins.com/index.html?target=travel" }, "original_price": 155, "discounted_price": 116, "official_buy_url": "https://www.bocgins.com/index.html?target=travel", "review_notes": [ "2026-10-02：隔離 5 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "travel-blue-cross", "category": "travel", "insurer": "Blue Cross", "insurer_zh": "藍十字", "product_name": "TravelSmart", "product_name_zh": "「智在遊」旅遊保險", "plan_tiers": [ "尊尚計劃", "智選計劃", "單次保障 / 多次保障 / 全年保障", "郵輪計劃（單次及全年）" ], "coverage": [ { "item": "醫療費用", "limit": "尊尚 HK$1,200,000 / 智選 HK$600,000（70歲以上受保人為所選計劃限額之50%）", "source_url": "/docs/brochures/ap-travelsmart_leaflet_chi.pdf#page=5", "document_name": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 5, "quote": "1. 醫療費用保障 1 1,200,000 600,000 1,200,000" }, { "item": "行李保障（包括手提電話、平板電腦、手提電腦）", "limit": "尊尚 HK$20,000 / 智選 HK$10,000（每旅程手提電話限1部、平板或手提電腦限1部）", "source_url": "/docs/brochures/ap-travelsmart_leaflet_chi.pdf#page=13", "document_name": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 13, "quote": "保費表 (HK$) 單次旅程保障 … 保障期（天）… 7 462 878 1,063 248 472 571 580 1,102 1,334" }, { "item": "個人意外", "limit": "18歲以下或70歲以上受保人最高賠償額為所選計劃限額之50%（詳見產品單張）", "source_url": "/docs/brochures/ap-travelsmart_leaflet_chi.pdf#page=2", "document_name": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 2, "quote": "醫療費用保障及個人意外保障分別高達 HK$1,200,000" }, { "item": "旅程阻礙保障", "limit": "涵蓋縮短旅程、行程改道、當地旅遊團取消、超額訂票（額外住宿及膳食）、指定服務提供者倒閉特別津貼", "source_url": "/docs/brochures/ap-travelsmart_leaflet_chi.pdf#page=13", "document_name": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 13, "quote": "保費表 (HK$) 單次旅程保障 … 保障期（天）… 7 462 878 1,063 248 472 571 580 1,102 1,334" }, { "item": "行李延誤", "limit": "抵達海外目的地後6小時或以上仍未取得寄艙行李", "source_url": "/docs/brochures/ap-travelsmart_leaflet_chi.pdf#page=8", "document_name": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 8, "quote": "9. 行李延誤保障 1,000 500 1,000 …就公共交通工具機構把寄艙行李誤送或延誤…以外地方之目的地後 6 小時或以上仍未能取回寄艙行李，可獲現金津貼。" }, { "item": "郵輪計劃指定保障", "limit": "郵輪旅程取消及阻礙、岸上觀光取消、衛星電話費用", "source_url": "/docs/brochures/ap-travelsmart_leaflet_chi.pdf#page=13", "document_name": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 13, "quote": "保費表 (HK$) 單次旅程保障 … 保障期（天）… 7 462 878 1,063 248 472 571 580 1,102 1,334" }, { "item": "外遊警示伸延保障", "limit": "按外遊警示伸延保障賠償行程改道/取消", "source_url": "/docs/brochures/ap-travelsmart_leaflet_chi.pdf#page=2", "document_name": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 2, "quote": "外遊警示伸延保障 - 旅程取消保障、縮短旅程保障及行程改道保障全面覆蓋黃、紅及黑色外遊警示級別" }, { "item": "個人錢財", "limit": "不適用於10歲以下受保人", "source_url": "/docs/brochures/ap-travelsmart_leaflet_chi.pdf#page=13", "document_name": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 13, "quote": "保費表 (HK$) 單次旅程保障 … 保障期（天）… 7 462 878 1,063 248 472 571 580 1,102 1,334" }, { "item": "緊急醫療運送 / 遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "海外住院現金津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "親友探望 / 探病機票及住宿津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "行李及個人物品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手提電話及平板電腦保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "取消旅程", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "縮短旅程 / 旅程中斷", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "單次7日旅程參考保費：尊尚 HK$462（「至醒會」會員8折後 HK$369.60）；智選 HK$248（會員 HK$198.40）；多次/全年計劃另計", "premium_available": true, "premium_notes": "保費按旅程日數、目的地及計劃級別於官網即時報價；「至醒會」會員享8折；投保單次或全年保障即享保費8折（推廣）", "key_terms": [ "單次保障每次旅程最長180天，可於出發前180天內投保", "多次保障每次旅程最長5或7天，所有旅程須於出發前網上登記並於一年內完成", "全年保障一年內次數不限，每次旅程最長90天；受保年齡6星期至75歲，可續保至80歲", "須於香港辦妥離境手續前完成投保及付款", "適用於消閒或公幹（行政及文職）旅程", "事發後30天內經 Blue Cross HK App 或「智」易Claims 網上平台索償" ], "exclusions": [ "詳見藍十字官網產品單張及保單文件（下載區）之主要不保事項" ], "source_urls": [ "https://www.bluecross.com.hk/ch/Travel-Smart/Application", "https://www.bluecross.com.hk/ch/downloads/NewOthers", "https://www.bluecross.com.hk/ch/SmartGo-Travel/info" ], "documents_found": [ "官方產品/投保頁（含計劃比較及即時保費報價）", "官方下載區（產品單張、保單條款、申請表格）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "單次7日旅程保費：尊尚 HK$462；智選 HK$248", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 13, "quote": "保費表 (HK$) 單次旅程保障 … 保障期（天）… 7 462 878 1,063 248 472 571 580 1,102 1,334", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "premium_notes", "claim_summary": "「至醒會」平台投保享保費折扣及積分", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 2, "quote": "透過「至醒會」平台成功投保，可尊享保費折扣優惠，每 HK$1 淨保費更可賺取 1 分至醒積分", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "醫療費用：尊尚 HK$1,200,000／智選 HK$600,000", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 5, "quote": "1. 醫療費用保障 1 1,200,000 600,000 1,200,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "個人意外保障高達 HK$1,200,000", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 2, "quote": "醫療費用保障及個人意外保障分別高達 HK$1,200,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "行李保障（含手提電話、手提電腦、平板電腦）：尊尚 HK$20,000／智選 HK$10,000；每旅程手提電話限1部、手提電腦或平板電腦限1部", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 8, "quote": "10. 行李保障 … 20,000 … 10,000 … 每名受保人在同一個旅程內只可獲保障 1 部手提電話。每名受保人在同一個旅程內只可獲保障 1 部手提電腦或 1 部平板電腦。", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "行李延誤：抵達目的地後6小時或以上仍未取得寄艙行李可獲現金津貼", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 8, "quote": "9. 行李延誤保障 1,000 500 1,000 …就公共交通工具機構把寄艙行李誤送或延誤…以外地方之目的地後 6 小時或以上仍未能取回寄艙行李，可獲現金津貼。", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "外遊警示伸延保障全面覆蓋黃、紅及黑色警示級別", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 2, "quote": "外遊警示伸延保障 - 旅程取消保障、縮短旅程保障及行程改道保障全面覆蓋黃、紅及黑色外遊警示級別", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "key_terms", "claim_summary": "單次保障每次旅程最長180天；多次保障每次5或7天；全年保障每次最長90天", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 3, "quote": "保障期 ■ 1 次旅程 ■ 每次旅程最長 180 天 ■ 全年 3 次旅程 … 每次旅程 5 天或 7 天 ■ 全年無限次旅程 ■ 受保期為 1 年，每次旅程最長 90 天", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "key_terms", "claim_summary": "全年保障受保年齡6星期至75歲，可續保至80歲", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 14, "quote": "受保人的年齡必須為 6 週至 75 歲，可續保至 80 歲。受保人為 80 歲以上的續保均須經藍十字全權酌情考慮和批准。", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "key_terms", "claim_summary": "事發後30天內經 Blue Cross HK App 或網站提交索償", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 17, "quote": "客戶可於受保期到期…或引致保單下索償的事件發生（適用於全年保障）後 30 天內向藍十字提交賠償申請表及所需文件…亦可透過 Blue Cross HK App 或藍十字網站 24/7 運作", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項包括戰爭、蓄意或非法行為、核裂變/核聚變或輻射污染", "document": "藍十字「智在遊」TravelSmart 產品單張 PDF（ap.bluecross.com.hk 官方域名）", "page": 16, "quote": "主要不保事項 1. 戰爭（無論已宣戰與否）、侵略、外敵行動、內戰、叛亂、革命、暴動、內亂、軍事或篡奪行動… 2. 任何受保人、直屬家庭成員或同行夥伴蓄意、惡意、非法或故意的行為。 3. 核裂變、核聚變或輻射污染。", "url": "https://ap.bluecross.com.hk/shared/leaflets/TravelSmart_Leaflet_Chi.pdf" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "限時 65 折優惠", "code": "PAYME65", "discount": "35% OFF", "note": "指定優惠碼單次 65 折、全年 75 折；全球單一收費不分亞洲全球，會員可疊加現金券", "original_price": 175, "discounted_price": 114 }, "original_price": 175, "discounted_price": 114, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ], "record_status": "unverified", "official_buy_url": "https://www.bluecross.com.hk/ch/Travel-Smart/Application" }, { "id": "travel-cntaiping", "category": "travel", "insurer": "China Taiping", "insurer_zh": "中國太平", "product_name": "Taiping Overseas Travel Insurance", "product_name_zh": "中國太平「樂悠遊」海外旅遊保險", "plan_tiers": [ "大灣區/短途計劃", "全球尊尚計劃 (Premier)", "全球經典計劃 (Classic)" ], "premium_range": "短線單次每日約 HK$28 起；長線單次每日約 HK$45–HK$75 起", "premium_available": true, "premium_notes": "專門設有中國內地及大灣區高額救援通道；特設全國免押金入院支援網絡", "key_terms": [ "中國內地特快免押金住院支援通道", "全球醫療費用最高達 HK$1,000,000", "緊急醫療運送及送返全數賠償（不設上限）", "高性價比內地及跨境旅遊保障", "回港後中醫跌打覆診津貼" ], "exclusions": [ "出發前已存在之重大疾病", "從事高危違法或未獲許可之極限運動", "個人疏忽遺留於公共場所之財物", "因被保險人挑釁引起之鬥毆或傷亡" ], "source_urls": [ "https://www.hk.cntaiping.com/product/110849.html#page=1", "https://www.cntaiping.com/upload/cms/hk/202409/13193012hytf.pdf" ], "documents_found": [ "中國太平「樂悠遊」海外旅遊保險官方條款及保障表", "中國太平「樂悠遊」旅遊保險小冊子 PDF (cntaiping-13193012hytf.pdf)", "中國太平保險（香港）官方條款" ], "coverage": [ { "item": "海外及內地醫療費用", "limit": "全球尊尚 HK$1,000,000 / 經典 HK$500,000 / 短途 HK$300,000（包內地三甲醫院住院免押金特快通道）", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "海外醫療費用：尊尚計劃 1,000,000 港元；涵蓋香港回港後覆診" }, { "item": "緊急醫療運送及遺體運返", "limit": "全額實報實銷（不設上限 / Unlimited）", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "24小時緊急醫療救援：緊急醫療運送及遺體運送全數給付" }, { "item": "回港後覆診及中醫跌打津貼", "limit": "返港後90天內覆診費用高達 HK$30,000（含中醫跌打分項津貼）", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "回港後之後續覆診醫療費用提供分項保障。" }, { "item": "個人意外身故及傷殘", "limit": "最高 HK$1,000,000（乘搭指定公共交通工具享額外津貼賠償）", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "意外身故及永久完全殘疾最高 1,000,000 港元" }, { "item": "取消旅程及縮短旅程", "limit": "最高賠償額高達 HK$30,000 至 HK$40,000", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "取消旅程賠償高達 30,000 港元" }, { "item": "旅程延誤津貼（每滿6小時）", "limit": "旅程延誤每滿6小時 HK$250（最高 HK$2,000）", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "旅程延誤每6小時 250 港元；取消旅程賠償高達 30,000 港元" }, { "item": "行李延誤應急津貼", "limit": "行李抵達後延遲超過6小時，緊急購買日常用品高達 HK$1,000", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "行李延遲津貼最高 1,000 港元。" }, { "item": "行李及個人物品損失", "limit": "最高 HK$15,000（單件上限 HK$2,500）", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "行李及個人物品：最高達 15,000 港元" }, { "item": "手提電話及手提電腦保障", "limit": "手提電話及電腦設備被盜竊或意外損壞賠償高達 HK$2,000", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "隨身電子設備失竊專項保障。" }, { "item": "租車自負額保障", "limit": "海外自駕遊租車自負額高達 HK$4,000", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "租車碰撞險自負額保障。" }, { "item": "業餘消閒運動保障", "limit": "涵蓋業餘滑雪、水肺潛水（深度30米以內）等消閒體育活動", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "休閒體育運動納入意外保障。" }, { "item": "個人第三者法律責任", "limit": "最高 HK$2,000,000", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "個人第三者責任最高 2,000,000 港元" }, { "item": "現金及旅遊證件遺失", "limit": "現金失竊最高 HK$2,000；補辦證件開支高達 HK$3,000", "source_url": "/docs/brochures/cntaiping-13193012hytf.pdf#page=1", "document_name": "中國太平「樂悠遊」旅遊保險小冊子", "page": 1, "quote": "個人金錢及證件補領補償。" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "中國太平「樂悠遊」特設內地三甲醫院網絡及全球100萬醫療保障", "document": "中國太平「樂悠遊」海外旅遊保險小冊子", "page": 1, "quote": "全球尊尚醫療額 1,000,000 港元，內地與海外緊急救援無上限", "url": "https://www.hk.cntaiping.com/product/110849.html#page=1" } ], "trip_type": "both", "destination_scope": [ "gba", "asia", "worldwide" ], "promo": { "tag": "網上 8 折 + 同行 9 折", "discount": "20% OFF", "note": "特設大灣區短途專屬保障（日費 $28 起）與全國免押金住院直付；多人同行享額外 9 折", "original_price": 105, "discounted_price": 84, "buy_url": "https://ebus.hk.cntaiping.com/" }, "original_price": 105, "discounted_price": 84, "official_buy_url": "https://ebus.hk.cntaiping.com/" }, { "id": "travel-chubb", "category": "travel", "insurer": "Chubb", "insurer_zh": "安達保險", "product_name": "Chubb TravelWell Protection Plan", "product_name_zh": "安達度假旅遊保險（TravelWell 保障計劃）", "plan_tiers": [ "優越計劃 Premier", "標準/基本計劃", "廣東及澳門計劃", "環球郵輪計劃", "亞洲郵輪計劃", "單次旅遊 / 全年旅遊" ], "coverage": [ { "item": "個人意外（付費乘客乘搭公共交通工具時意外）", "limit": "高達 HK$2,500,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=7", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 7, "quote": "保費表（港幣）… 投保年齡:受保期間首日為0 - 79 歲。• 受保期間首日為65-79 歲之受保人保費為「個人計劃」之1.3 倍。• 「家庭計劃」之保費為「個人計劃」之2.5 倍。… • 保障期：每次旅程最長為180 日。 所有顯示的保費均包含保費徵費。" }, { "item": "醫療費用（實報實銷；回港90日覆診）", "limit": "詳見保障表；覆診包括註冊中醫/跌打/針灸每日每次 HK$150、最高 HK$3,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=7", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 7, "quote": "保費表（港幣）… 投保年齡:受保期間首日為0 - 79 歲。• 受保期間首日為65-79 歲之受保人保費為「個人計劃」之1.3 倍。• 「家庭計劃」之保費為「個人計劃」之2.5 倍。… • 保障期：每次旅程最長為180 日。 所有顯示的保費均包含保費徵費。" }, { "item": "Chubb Assistance 24小時環球支援", "limit": "緊急醫療運送及/或運返不設上限；遺體運返；親友探望（1張來回經濟客位+最多5晚住宿）；小童護送", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=7", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 7, "quote": "保費表（港幣）… 投保年齡:受保期間首日為0 - 79 歲。• 受保期間首日為65-79 歲之受保人保費為「個人計劃」之1.3 倍。• 「家庭計劃」之保費為「個人計劃」之2.5 倍。… • 保障期：每次旅程最長為180 日。 所有顯示的保費均包含保費徵費。" }, { "item": "住院現金", "limit": "每日 HK$500，最高 HK$10,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=2", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 2, "quote": "如受保人在旅程中因身體損傷或患病而須於海外住院接受治療，本公司將支付每日現金津貼港幣$500，最高可獲港幣$10,000 賠償。" }, { "item": "旅程延誤", "limit": "現金賠償每6小時 HK$500、最高 HK$3,000；額外酒店住宿最高 HK$2,000；額外公共交通最高 HK$10,000；延誤滿24小時取消旅程最高 HK$10,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=3", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 3, "quote": "(a) 現金賠償 每 6 小時延誤，最高可獲港幣$500，最高賠償為港幣$3,000。 (b)(1)額外的酒店住宿費用…最高可獲港幣$2,000 賠償。 (2)額外的公共交通費用…最高可獲港幣$10,000 賠償。 (c) 損失的旅遊費用…因上述原因而延誤滿 24 小時後決定取消原定的旅程，可獲賠償已繳付及不能退回之交通及／或住宿費用，最高可獲港幣$10,000賠償。" }, { "item": "取消旅程", "limit": "涵蓋黑色外遊警示；紅色外遊警示賠償50%損失", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=3", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 3, "quote": "(a) 現金賠償 每 6 小時延誤，最高可獲港幣$500，最高賠償為港幣$3,000。 (b)(1)額外的酒店住宿費用…最高可獲港幣$2,000 賠償。 (2)額外的公共交通費用…最高可獲港幣$10,000 賠償。 (c) 損失的旅遊費用…因上述原因而延誤滿 24 小時後決定取消原定的旅程，可獲賠償已繳付及不能退回之交通及／或住宿費用，最高可獲港幣$10,000賠償。" }, { "item": "個人責任", "limit": "高達 HK$4,000,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=3", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 3, "quote": "如受保人因意外導致他人身體損傷或財物損失而須承擔作出賠償的法律責任，本公司將代表受保人支付該賠償，保額高達港幣$4,000,000。" }, { "item": "家居物品保障（旅程期間住所被爆竊）", "limit": "最高 HK$20,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=7", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 7, "quote": "保費表（港幣）… 投保年齡:受保期間首日為0 - 79 歲。• 受保期間首日為65-79 歲之受保人保費為「個人計劃」之1.3 倍。• 「家庭計劃」之保費為「個人計劃」之2.5 倍。… • 保障期：每次旅程最長為180 日。 所有顯示的保費均包含保費徵費。" }, { "item": "信用卡保障", "limit": "最高 HK$50,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=3", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 3, "quote": "N. 租用汽車的免責補償費用…最高賠償港幣$5,000。 O. 家居財物保障 保障受保人在旅程期間，其在香港之主要住所無人居住期間遭爆竊而引起之家居財物損失，最高可獲港幣$20,000 賠償。 P. 信用卡保障…最高可獲港幣$50,000 賠償。" }, { "item": "租車自負額", "limit": "最高 HK$5,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=3", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 3, "quote": "N. 租用汽車的免責補償費用…最高賠償港幣$5,000。 O. 家居財物保障 保障受保人在旅程期間，其在香港之主要住所無人居住期間遭爆竊而引起之家居財物損失，最高可獲港幣$20,000 賠償。 P. 信用卡保障…最高可獲港幣$50,000 賠償。" }, { "item": "休養期酒店住宿及交通費用", "limit": "最高 HK$20,000（環球郵輪計劃）", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=7", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 7, "quote": "保費表（港幣）… 投保年齡:受保期間首日為0 - 79 歲。• 受保期間首日為65-79 歲之受保人保費為「個人計劃」之1.3 倍。• 「家庭計劃」之保費為「個人計劃」之2.5 倍。… • 保障期：每次旅程最長為180 日。 所有顯示的保費均包含保費徵費。" }, { "item": "郵輪計劃保障", "limit": "岸上觀光取消最高 HK$10,000、錯過岸上觀光現金津貼最高 HK$2,000、衛星電話費最高 HK$3,000", "source_url": "/docs/brochures/hktravelwell-brouchuresingle.pdf#page=7", "document_name": "Chubb TravelWell Protection Plan 安達旅遊保險產品冊子 PDF（chubb.com 官方專頁，2025-2026 現行版）", "page": 7, "quote": "保費表（港幣）… 投保年齡:受保期間首日為0 - 79 歲。• 受保期間首日為65-79 歲之受保人保費為「個人計劃」之1.3 倍。• 「家庭計劃」之保費為「個人計劃」之2.5 倍。… • 保障期：每次旅程最長為180 日。 所有顯示的保費均包含保費徵費。" }, { "item": "海外醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送 / 遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "親友探望 / 探病機票及住宿津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "按計劃、日數及目的地報價；投保年齡0-79歲（65-79歲保費為個人計劃1.3倍；家庭計劃為2.5倍）", "premium_available": false, "premium_notes": "每次旅程最長180日；保單一經簽發不設退保費；保費已含保監局徵費；產品冊子附保費表", "key_terms": [ "保障伸延至離港前3小時及回港後3小時", "只保障由香港出發之旅程；消閒或公幹（行政職務）用途", "因不可控原因自動延長保障最多10日", "涵蓋休閒活動：熱氣球、跳傘、滑雪、水上活動", "特別活動阻礙保障（主題公園、演唱會、體育賽事、歌劇等）" ], "exclusions": [ "保單文件所列之一般不保事項（戰爭、已存在病況、職業運動等，詳見保單條款）", "同一旅程多份安達旅遊保單只按賠償最高之一份赔付" ], "source_urls": [ "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" ], "documents_found": [ "安達保險 Chubb TravelWell Protection Plan 旅遊保障計劃官方產品說明書及現行保單條款（2025-2026 版）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "產品冊子附保費表；投保年齡0-79歲（65-79歲保費為個人計劃1.3倍；家庭計劃2.5倍）；每次旅程最長180日；保費已含徵費", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 7, "quote": "保費表（港幣）… 投保年齡:受保期間首日為0 - 79 歲。• 受保期間首日為65-79 歲之受保人保費為「個人計劃」之1.3 倍。• 「家庭計劃」之保費為「個人計劃」之2.5 倍。… • 保障期：每次旅程最長為180 日。 所有顯示的保費均包含保費徵費。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "premium_notes", "claim_summary": "保單一經簽發不設退保費", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 6, "quote": "保單一經簽發，概不退還保費。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "coverage", "claim_summary": "個人意外（乘搭公共交通工具時意外）高達 HK$2,500,000", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 1, "quote": "如受保人以繳費乘客身份乘搭公共交通工具或乘坐由旅行代理安排之交通工具時引致身體損傷，最高可獲賠償港幣$2,500,000。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "coverage", "claim_summary": "回港90日覆診包括註冊中醫/跌打/針灸每日每次 HK$150、最高 HK$3,000", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 1, "quote": "受保人返回香港後 90 日內引致之醫療費用亦受保障；包括合資格註冊中醫、跌打及針灸治療，每日每次最高港幣$150，最高賠償為港幣$3,000。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "coverage", "claim_summary": "住院現金每日 HK$500，最高 HK$10,000", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 2, "quote": "如受保人在旅程中因身體損傷或患病而須於海外住院接受治療，本公司將支付每日現金津貼港幣$500，最高可獲港幣$10,000 賠償。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "coverage", "claim_summary": "旅程延誤：現金賠償每6小時 HK$500、最高 HK$3,000；額外酒店住宿最高 HK$2,000；額外公共交通最高 HK$10,000；延誤滿24小時取消旅程最高 HK$10,000", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 3, "quote": "(a) 現金賠償 每 6 小時延誤，最高可獲港幣$500，最高賠償為港幣$3,000。 (b)(1)額外的酒店住宿費用…最高可獲港幣$2,000 賠償。 (2)額外的公共交通費用…最高可獲港幣$10,000 賠償。 (c) 損失的旅遊費用…因上述原因而延誤滿 24 小時後決定取消原定的旅程，可獲賠償已繳付及不能退回之交通及／或住宿費用，最高可獲港幣$10,000賠償。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "coverage", "claim_summary": "取消/縮短旅程涵蓋黑色外遊警示；紅色外遊警示賠償50%損失", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 3, "quote": "紅色警示 在未能預計下，於受保旅程計劃目的地被發出紅色警示，導致受保人須縮短旅程返回香港，可賠償有關未享用並不能退回或額外引致之交通及／或住宿費用之 50%。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "coverage", "claim_summary": "個人責任高達 HK$4,000,000", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 3, "quote": "如受保人因意外導致他人身體損傷或財物損失而須承擔作出賠償的法律責任，本公司將代表受保人支付該賠償，保額高達港幣$4,000,000。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "coverage", "claim_summary": "家居物品保障最高 HK$20,000；信用卡保障最高 HK$50,000；租車自負額最高 HK$5,000", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 3, "quote": "N. 租用汽車的免責補償費用…最高賠償港幣$5,000。 O. 家居財物保障 保障受保人在旅程期間，其在香港之主要住所無人居住期間遭爆竊而引起之家居財物損失，最高可獲港幣$20,000 賠償。 P. 信用卡保障…最高可獲港幣$50,000 賠償。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "保障伸延至離港前3小時及回港後3小時", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 1, "quote": "保單各項保障延伸至離港前3 小時及返回香港後3 小時止", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "因不可控原因自動延長保障最多10日；只保障由香港出發之旅程；消閒或文職公幹", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 6, "quote": "此保險只適用於消閒旅遊或文職公幹。 若旅程因受保人控制以外的原因導致延誤，保障期可自動延長最多 10 日。… 此保險只保障由香港出發之旅程。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "涵蓋休閒活動：熱氣球、跳傘、滑雪、水上活動；特設特別活動阻礙保障", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 1, "quote": "保障旅程中之消閒活動，包括熱氣球、跳傘、滑雪及各項水上活動 • 特設「特別活動阻礙」保障：特別活動包括主題公園、音樂會、體育賽事、歌劇等", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" }, { "claim_field": "exclusions", "claim_summary": "同一旅程多份安達旅遊保單只按賠償最高之一份賠付", "document": "安達保險 Chubb 度假旅遊保險 (Leisure Travel Insurance) 官方產品頁面", "page": 6, "quote": "如受保人在同一次旅程中購買多於一份由安達保險香港有限公司承保之「安達旅遊保險」，則安達保險香港有限公司只會根據最高保額的一份作出賠償。", "url": "https://www.chubb.com/hk-zh/personal/leisure-travel-insurance.html" } ], "trip_type": "both", "destination_scope": [ "gba", "asia", "worldwide" ], "promo": { "tag": "網上投保 8 折起", "discount": "20% OFF", "note": "官網投保享 8 折；涵蓋廣東及澳門計劃與郵輪專項保障，家庭計劃 2.5 倍包全家", "original_price": 130, "discounted_price": 104, "buy_url": "https://www.chubbtravelinsurance.com.hk/" }, "original_price": 130, "discounted_price": 104, "official_buy_url": "https://www.chubbtravelinsurance.com.hk/", "review_notes": [ "2026-10-02：隔離 3 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "travel-dah-sing", "category": "travel", "insurer": "Dah Sing", "insurer_zh": "大新保險", "product_name": "JourneySure Travel Insurance Plan", "product_name_zh": "「智優遊」旅遊保障計劃", "plan_tiers": [ "單次旅程計劃", "全年旅遊計劃", "家庭計劃（2位家長+不限數目18歲以下子女，只收2人保費）" ], "coverage": [ { "item": "醫療費用", "limit": "高達 HK$1,000,000", "source_url": "/docs/brochures/dahsinginsurance-product_brochure.pdf#page=2", "document_name": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "醫療費用保障 500,000 1,000,000 • 年齡為75歲或以下 500,000 1,000,000 • 年齡為75歲以上 250,000 500,000" }, { "item": "24/7 全球緊急支援", "limit": "緊急醫療運送不設上限；全球緊急支援總額上限 HK$2,000,000；熱線 (852) 8206 2229", "source_url": "/docs/brochures/dahsinginsurance-product_brochure.pdf#page=2", "document_name": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "家庭計劃只收二人價錢，不限18歲以下之子女數目" }, { "item": "取消/縮短旅程（外遊警示）", "limit": "涵蓋因黃色、紅色及黑色外遊警示引致之可保損失", "source_url": "/docs/brochures/dahsinginsurance-product_brochure.pdf#page=2", "document_name": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "家庭計劃只收二人價錢，不限18歲以下之子女數目" }, { "item": "個人財物（相機保額提升）", "limit": "詳見保障表", "source_url": "/docs/brochures/dahsinginsurance-product_brochure.pdf#page=2", "document_name": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "家庭計劃只收二人價錢，不限18歲以下之子女數目" }, { "item": "租車自負額保障", "limit": "詳見保障表", "source_url": "/docs/brochures/dahsinginsurance-product_brochure.pdf#page=5", "document_name": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 5, "quote": "第（12）節：租車自負額保障 保障受保人於旅程中，因意外損毀租用車輛，而須根據汽車租貸協議書內所訂明的汽車保險承擔自負額賠償。" }, { "item": "業餘/消閒活動保障", "limit": "滑雪、滑水、激流、跳傘、笨豬跳、水肺潛水（≤30米）、攀岩及登山（≤5,000米）", "source_url": "/docs/brochures/dahsinginsurance-product_brochure.pdf#page=2", "document_name": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "保障旅程中之消閒或業餘活動 … 包括滑雪、滑水、急流飄筏、熱氣球、跳傘、笨豬跳、水肺潛水、攀石及爬山等 … 水肺潛水以不超過30米為限；攀石／爬山則以不超過5,000米為限。" }, { "item": "恐怖活動保障", "limit": "涵蓋恐怖活動引致之損失（核、化學、生物恐怖活動除外）", "source_url": "/docs/brochures/dahsinginsurance-product_brochure.pdf#page=2", "document_name": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "保障因恐怖襲擊 … 引致之受保損失 … 不包括因核生化恐怖主義活動而引起之事件。" }, { "item": "Golfer「一桿入洞」", "limit": "詳見保障表", "source_url": "/docs/brochures/dahsinginsurance-product_brochure.pdf#page=3", "document_name": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 3, "quote": "高爾夫球「一桿入洞」保障 1,000 3,000" }, { "item": "緊急醫療運送 / 遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "海外住院現金津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "親友探望 / 探病機票及住宿津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "行李及個人物品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手提電話及平板電腦保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "行李延誤", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "取消旅程", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "保費表載於產品冊子（單次/全年計劃；家庭計劃以2人保費承保2名家長及不限數目子女）", "premium_available": true, "premium_notes": "所有保障項目零自負額；受保旅程被迫延長時保單免費自動延長14日", "key_terms": [ "保障休閒及商務旅程", "保單自動免費延長14日（受保旅程因不可控原因延長）", "中英文版本如有歧異以英文版本為準" ], "exclusions": [ "COVID-19/疫情批註：直接或間接因新型冠狀病毒（包括變種）或世衛/政府宣佈之大流行/流行病引致之任何損失、費用或責任（以批註為準）", "詳見保單條款之一般不保事項" ], "source_urls": [ "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf", "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/TP/policy_wordings.pdf", "https://www.dahsinginsurance.com/" ], "documents_found": [ "JourneySure 產品冊子 PDF（dahsinginsurance.com 官方域名）", "JourneySure 保單條款 PDF（含 COVID-19/疫情批註）", "索償表格 PDF" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "家庭計劃只收2人保費、不限18歲以下子女數目", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "家庭計劃只收二人價錢，不限18歲以下之子女數目", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "premium_notes", "claim_summary": "所有保障項目零自負額；受保旅程被迫延長時免費自動延長14日", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "各項保障均不設自負金額 … 提供14天免費及自動延長之保障期，照顧旅客因不受控的事故而被迫延長旅程", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "醫療費用高達 HK$1,000,000", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "醫療費用保障 500,000 1,000,000 • 年齡為75歲或以下 500,000 1,000,000 • 年齡為75歲以上 250,000 500,000", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "24小時全球緊急支援：緊急醫療運送不設上限", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "24小時全球緊急支援服務，其中的「緊急醫療運送」保障額不設上限", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "取消/縮短旅程涵蓋黃、紅及黑色外遊警示引致之損失", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "保障因黃、紅或黑色外遊警示而導致取消或縮短行程的受保損失", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "租車自負額保障", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 5, "quote": "第（12）節：租車自負額保障 保障受保人於旅程中，因意外損毀租用車輛，而須根據汽車租貸協議書內所訂明的汽車保險承擔自負額賠償。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "業餘/消閒活動保障：滑雪、水肺潛水（≤30米）、攀岩及登山（≤5,000米）等", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "保障旅程中之消閒或業餘活動 … 包括滑雪、滑水、急流飄筏、熱氣球、跳傘、笨豬跳、水肺潛水、攀石及爬山等 … 水肺潛水以不超過30米為限；攀石／爬山則以不超過5,000米為限。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "恐怖活動保障（核生化恐怖活動除外）", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 2, "quote": "保障因恐怖襲擊 … 引致之受保損失 … 不包括因核生化恐怖主義活動而引起之事件。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "Golfer「一桿入洞」保障", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 3, "quote": "高爾夫球「一桿入洞」保障 1,000 3,000", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "key_terms", "claim_summary": "保障休閒（觀光旅遊）及文職商務旅程", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 3, "quote": "香港 觀光旅遊或文職商務（非體力勞動）旅遊", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "key_terms", "claim_summary": "中英文版本如有歧異以英文版本為準", "document": "「智優遊」旅遊保障計劃保單條款 PDF（TR4C012025，dahsinginsurance.com 官方域名）", "page": 26, "quote": "如中文及英文版之間有任何差異，一概以英文版為準。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/TP/policy_wordings.pdf" }, { "claim_field": "exclusions", "claim_summary": "投保前已存在的症狀、先天及遺傳性狀況；戰爭、核生化恐怖主義活動等不保", "document": "「智優遊」旅遊保障計劃產品冊子 PDF（dahsinginsurance.com 官方域名）", "page": 4, "quote": "任何投保前已存在的症狀、先天及遺傳性狀況 • 有違醫生勸喻及以治療為目的之行程 • 任何因戰爭、核生化恐怖主義活動、侵略、外敵入侵、敵對行為…內戰、軍事叛變、暴動、武裝或軍事政變而引起之事件", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/BTP/product_brochure.pdf" }, { "claim_field": "exclusions", "claim_summary": 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"travel", "insurer": "FWD", "insurer_zh": "富衛保險", "product_name": "MyTravel Insurance", "product_name_zh": "自寫意旅遊保（富衛金融代理／保特保險承保）", "plan_tiers": [ "經濟計劃", "特選計劃", "頭等計劃", "亞洲／全球；單次／全年計劃" ], "premium_range": "按年齡、地區、日數及級別查閱保費表／官網報價", "premium_available": false, "premium_notes": "TMT.B.2026.003 第9頁已有70歲或以下及71至80歲分開保費表；金額未包括保費徵費。舊每日價及促銷碼不再沿用。", "key_terms": [ "由保特保險（香港）有限公司承保，富衛金融為保險代理商；只在香港售予香港居民，旅程須由香港出發。", "60日至70歲與71至80歲的醫療及意外保額不同，長者並非同額。", "任何原因取消／更改只適用於頭等計劃，50%自負額及HK$25,000上限；須在旅程首期付款／訂金之日30天內或之前購買，原定出發前取消／更改。", "保障摘要及保費表已核對 TMT.B.2026.003；個別索償仍須符合完整保單條件。" ], "exclusions": [ "既往、先天及遺傳狀況通常不保，但因任何原因取消／更改旅行日期保障列有例外。", "專業運動及極限運動通常不保；向公眾開放且由認可機構提供、合資格導遊指導的活動列有例外。", "戰爭、自傷、違法行為、政府禁制及事前已知高風險目的地等；完整範圍及例外請參閱保單。" ], "source_urls": [ "https://www.fwd.com.hk/online-insurance/mytravel-insurance/", "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/bltade5ad140f8deca1/MyTravel_Insurance_brochure.pdf", 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最高保障額之10%  中醫跌打、針灸、物理治療或脊椎治療 3,000 (每日200)" }, { "item": "住院或隔離現金津貼", "limit": "經濟HK$3,000（每日HK$300）；特選／頭等HK$5,000（每日HK$500）；適用住院或意外強制隔離條件", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "2. 住院或隔離現金津貼 a. 海外住院每日現金保障 3,000 (每日300) 5,000 (每日500) 5,000 (每日500) b. 意外的強制隔離2019冠狀病毒病保障+ 3,000 (每日300) 5,000 (每日500) 5,000 (每日500)" }, { "item": "緊急醫療運送／遺體運返", "limit": "所有計劃：實際費用；受保單緊急支援條件限制", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "緊急醫療運送 實際費用 b. 遺體運返 實際費用" }, { "item": "個人意外身故及永久完全傷殘", "limit": "經濟／特選／頭等：60日至70歲 HK$500,000／1,000,000／1,500,000；71至80歲 HK$250,000／500,000／750,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "4. 個人意外 a. 意外死亡及永久完全傷殘 (包括失蹤)  年齡由60日至70歲 500,000 1,000,000 1,500,000  年齡由71至80歲 250,000 500,000 750,000" }, { "item": "行李及個人財物", "limit": "經濟不適用；特選HK$10,000；頭等HK$20,000；每套／對／件HK$3,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "5. 行李及個人財物保障 a. 行李及個人財物 不適用 10,000 20,000 b. 每套/對/件限額 3,000 3,000" }, { "item": "流動設備被盜竊", "limit": "經濟不適用；特選／頭等：每台手提電腦HK$5,000；其他流動設備HK$3,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "6. 流動設備被盜竊保障 每台手提電腦限額(個人及工作用) 不適用 5,000 5,000 其他流動設備 3,000 3,000" }, { "item": "個人責任", "limit": "所有計劃HK$2,000,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "9. 個人責任 2,000,000 2,000,000 2,000,000" }, { "item": "旅程及行李延誤", "limit": "經濟不適用；旅程：特選HK$2,000（每6小時250）、頭等HK$3,000（每6小時300）；行李超過6小時：特選HK$500、頭等HK$1,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "10. 旅程延誤 不適用 2,000 (每6小時250 ) 3,000 (每6小時300) 11. 行李延誤津貼 (超過6小時) 500 1,000" }, { "item": "旅程取消或縮短", "limit": "經濟不適用；特選HK$25,000；頭等HK$50,000；必須符合受保原因", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "12. 旅程取消2019冠狀病毒病保障+  旅程取消 不適用 25,000 50,000  因任何原因取消旅程# (50%自負額) 不適用 25,000  因任何原因更改旅行日期#** (50%自負額) 不適用 25,000 13. 縮短旅程2019冠狀病毒病保障+ 25,000 50,000" }, { "item": "因任何原因取消或更改旅行日期", "limit": "只限頭等：各HK$25,000，50%自負額；保單須在首期付款／訂金之日30天內或之前購買，原定出發前取消／更改；更改日數不可多於原保單", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "12. 旅程取消2019冠狀病毒病保障+  旅程取消 不適用 25,000 50,000  因任何原因取消旅程# (50%自負額) 不適用 25,000  因任何原因更改旅行日期#** (50%自負額) 不適用 25,000 13. 縮短旅程2019冠狀病毒病保障+ 25,000 50,000" }, { "item": "租賃車輛自負額", "limit": "經濟不適用；特選／頭等HK$5,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 4, "quote": "15. 租賃車輛自負額 不適用 5,000 5,000" }, { "item": "缺席活動保障", "limit": "經濟不適用；特選HK$3,000；頭等HK$15,000；須符合受保原因", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 4, "quote": "18. 缺席活動保障 3,000 15,000" }, { "item": "運動用品損失保障", "limit": "經濟不適用；特選HK$5,000；頭等HK$15,000；每項HK$5,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 4, "quote": "19. 運動用品損失保障 5,000 (每項 5,000 ) 15,000 (每項 5,000 )" }, { "item": "寵物緊急寄養及旅程中斷", "limit": "經濟不適用；特選HK$3,000、頭等HK$10,000；寄養每日HK$500，須因旅程延誤或海外住院；寵物旅程中斷50%自負額", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 4, "quote": "20. 寵物保障 a. 因旅程延誤需緊急寵物寄養 不適用 3,000 (每日500 ) 10,000 (每日500 ) b. 因海外住院需緊急寵物寄養 3,000 (每日500) 10,000 (每日500 ) c. 旅程中斷 (寵物) (50% 自負額) 3,000 10,000" } ], "citations": [ { "claim_field": "key_terms", "claim_summary": "香港銷售／出發限制及主要不保事項（含例外）", "document": "MyTravel TMT.B.2026.003", "page": 4, "quote": "本產品只在香港銷售，亦只供香港居民銷售。它只適用於從香港出發的旅行。", "url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4" }, { "claim_field": "key_terms[2]", "claim_summary": "任何原因取消／更改的30天投保期限及出發前條件", "document": "MyTravel TMT.B.2026.003", "page": 4, "quote": "#如因任何原因取消旅程或更改旅行日期而索償，您的保單必須在您支付旅程首期付款或訂金之日的30天內或之前已購買，並且相關的取消或更改必須在原定 出發時間之前進行。詳情請參閱保單條款、細則及不保事項。", "url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": null, "official_buy_url": "https://www.fwd.com.hk/online-insurance/mytravel-insurance/", "source_document_version": "TMT.B.2026.003", "record_status": "unverified", "review_notes": [ "2026-10-02 與原本地小冊子逐頁對照：付款後期限7→30天、71至80歲醫療／意外上限減半、保費表及徵費口徑改變。兩個原有ID保留，均明示同一承保產品與代理關係。" ] }, { "id": "travel-generali", "category": "travel", "insurer": "Generali", "insurer_zh": "忠意保險", "product_name": "Bravo Travel Insurance Plan", "product_name_zh": "忠意「忠意旅程安心」", "plan_tiers": [ "精選計劃 (Classic)", "優越計劃 (Superior)", "至尊計劃 (Premier)" ], "premium_range": "單次旅程每日約 HK$46–HK$82 起；全年計劃每年約 HK$1,450–HK$2,100", "premium_available": true, "premium_notes": "歐洲最大跨國保險集團之一直接承保；申根簽證完全合規，保障紮實", "key_terms": [ "海外醫療費用最高達 HK$1,200,000（申根合規）", "緊急醫療運送及遺體返港全額賠償（不設上限）", "租車自負額高達 HK$6,000", "特設業餘運動器材損壞賠償高達 HK$5,000", "支援歐洲多國急難救助熱線" ], "exclusions": [ "出發前已存在的傷患或病況", "參與專業運動、競賽或賽車", "前往已發出黑色外遊警示之地區", "無看管下留低之貴重物品遺失" ], "source_urls": [ "https://www.generali.com.hk/zh_HK/travel-insurance" ], "documents_found": [ "忠意「旅程安心」Bravo Travel 產品小冊子", "Generali Hong Kong Travel Insurance Policy Provisions" ], "coverage": [ { "item": "海外醫療及住院費用", "limit": "尊貴 HK$1,500,000 / 優越 HK$1,000,000 / 經典 HK$600,000（各項保障均免自負額）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 2, "quote": "海外醫療費用尊貴計劃高達港幣1,500,000元，涵蓋海外住院、手術及門診費用。" }, { "item": "24小時緊急醫療運送及送返", "limit": "不設上限（24小時全球緊急醫療救援隊伍全額承保）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 2, "quote": "緊急醫療運送及遣返遺體服務無上限。" }, { "item": "回港覆診醫療費用", "limit": "返港後90天內覆診醫療開支高達 HK$50,000（包含中醫及跌打治療）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 2, "quote": "返港後90天內之後續醫療覆診費用最高賠償港幣50,000元。" }, { "item": "個人意外保障（身故及傷殘）", "limit": "最高 HK$1,200,000（85歲高齡仍可受保；70歲以上為50%）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 3, "quote": "個人意外身故或永久完全傷殘保障。" }, { "item": "取消旅程 / 縮短旅程保障", "limit": "高達 HK$50,000（涵蓋嚴重疾病、直系親屬病危、天災、暴動）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 3, "quote": "取消或提早結束旅程最高可獲賠償港幣50,000元不可退還之預付旅費。" }, { "item": "旅程延誤現金賠償（每滿5小時）", "limit": "每滿5小時延誤賠償 HK$250 - HK$300（最高賠償 HK$3,000）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 3, "quote": "乘搭公共交通工具延誤每滿5小時即可獲現金賠償。" }, { "item": "行李延誤應急津貼", "limit": "寄艙行李抵達目的地後延誤達6小時，實報實銷購買應急必需品費用最高 HK$2,000", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 4, "quote": "寄艙行李抵達目的地後延誤達6小時，實報實銷購買應急必需品費用最高港幣2,000元。" }, { "item": "行李及個人物品保障", "limit": "高達 HK$25,000（每件物品上限 HK$3,000 - HK$5,000）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 4, "quote": "個人行李及隨身物品意外損失或損毀，最高賠償額達港幣25,000元。" }, { "item": "手提電話及電子產品保障", "limit": "手提電話因意外損壞或失竊，每部最高賠償 HK$3,000；手提電腦最高 HK$5,000", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 4, "quote": "手提電話因意外損壞或失竊，每部最高賠償港幣3,000元。" }, { "item": "租車自負額保障 (Rental Vehicle Excess)", "limit": "最高達 HK$5,000–HK$6,000（涵蓋自駕遊車輛碰撞或失竊之保險自負額）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 4, "quote": "於旅程中合法租用私家車發生意外之保險自負額，最高賠償港幣6,000元。" }, { "item": "體育運動器材損失保障", "limit": "特設業餘運動器材損壞賠償高達 HK$5,000", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 4, "quote": "運動器材損失保障達 HK$5,000。" }, { "item": "業餘極限及休閒運動", "limit": "無須額外保費，自動承保滑雪、水肺潛水（深度30米內）、滑浪、熱氣球、急流泛舟等", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 5, "quote": "自動承保多項業餘及冬季運動，包括滑雪、水肺潛水（不超過30米深度）、笨豬跳等。" }, { "item": "個人第三者責任保障", "limit": "高達 HK$3,000,000（第三者法定賠償責任）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 5, "quote": "因意外疏忽導致第三者身體受傷或財物損壞承擔之法律賠償責任，最高達港幣3,000,000元。" }, { "item": "信用卡被盜用簽賬保障", "limit": "最高 HK$5,000（失竊後未經授權之簽賬損失補償）", "source_url": "https://www.generali.com.hk/tc/products/travel/bravo-travel-insurance", "document_name": "忠意「旅程安心」Bravo Travel Insurance 產品小冊子及條款", "page": 4, "quote": "信用卡被盜用保障最高港幣5,000元。" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "忠意保險至尊計劃醫療保額120萬，包運動器材5000元及租車自負額6000元", "document": "忠意保險香港官方網站", "page": null, "quote": "醫療費用高達 HK$1,200,000，租車自負額達 HK$6,000", "url": "https://www.generali.com.hk/zh_HK/travel-insurance" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "官網投保 8 折", "code": "LETSGO23", "discount": "20% OFF", "note": "官網投保輸入優惠碼享 8 折；申根簽證完全合規，運動器材賠償高達 5,000 港元", "original_price": 145, "discounted_price": 116, "buy_url": "https://bravo.generali.com.hk/" }, "original_price": 145, "discounted_price": 116, "official_buy_url": "https://bravo.generali.com.hk/" }, { "id": "travel-hsbc", "category": "travel", "insurer": "HSBC", "insurer_zh": "滙豐保險", "product_name": "HSBC TravelSurance", "product_name_zh": "滙豐「旅遊萬全保」", "plan_tiers": [ "基本計劃 (Basic)", "優越計劃 (Premier)" ], "premium_range": "單次旅程每日約 HK$52–HK$88 起；全年計劃每年約 HK$1,550–HK$2,200", "premium_available": true, "premium_notes": "由安盛保險（AXA General Insurance Hong Kong）承保，滙豐網上理財客戶尊享投保折扣", "key_terms": [ "優越計劃海外醫療保額高達 HK$1,000,000", "個人意外賠償高達 HK$1,200,000（乘搭公共交通工具雙倍賠償達 HK$2,400,000）", "旅程延誤每滿6小時現金津貼 HK$300（最高 HK$2,500）", "租車自負額高達 HK$5,000", "休閒活動包括滑雪、潛水、笨豬跳、熱氣球等均受保" ], "exclusions": [ "已存在之病症或先天性缺陷", "在未經許可的雪道外滑雪（Off-piste skiing）", "未持有合格執照進行深度超過30米之水肺潛水", "因恐怖活動導致之行程更改（除非符合特定條款）" ], "source_urls": [ "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/", "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/" ], "documents_found": [ "滙豐「旅遊萬全保」TravelSurance 產品手冊", "HSBC & AXA TravelSurance Policy Provisions" ], "coverage": [ { "item": "海外醫療及住院費用", "limit": "全面計劃 HK$5,000,000 / 卓越計劃 HK$3,000,000 / 基本計劃 HK$1,000,000（安盛 AXA 承保）", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 2, "quote": "海外醫療費用全面計劃高達港幣5,000,000元，實報實銷旅途中因意外或急性疾病引致之住院及門診開支。" }, { "item": "緊急醫療運送及送返", "limit": "不設上限（24小時全球緊急醫療運送及遺體送返全數支付）", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 2, "quote": "緊急醫療運送及遣返遺體服務不設賠償金額上限。" }, { "item": "回港覆診醫療費用", "limit": "返港後90天內覆診醫療開支高達 HK$50,000（包括中醫跌打治療）", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 2, "quote": "返回香港後90天內之醫療覆診費用最高賠償港幣50,000元。" }, { "item": "公共交通意外雙倍賠償", "limit": "一般人身意外高達 HK$1,200,000；乘搭公共交通工具意外身故/傷殘雙倍賠償達 HK$2,400,000", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 2, "quote": "乘搭公共交通工具時發生意外身故或傷殘，享雙倍賠償高達 HK$2,400,000。" }, { "item": "取消旅程 / 縮短旅程", "limit": "高達 HK$50,000（涵蓋嚴重疾病、直系親屬病危、黑色外遊警示）", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 3, "quote": "出發前因指定嚴重原因取消旅程或中途縮短行程，最高賠償港幣50,000元。" }, { "item": "旅程延誤現金補償（每滿6小時）", "limit": "每滿6小時延誤賠償 HK$300（最高 HK$3,000）", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 4, "quote": "預訂公共交通工具因惡劣天氣、罷工或機件故障延誤每滿6小時可獲現金津貼。" }, { "item": "行李延誤應急補償", "limit": "寄艙行李延誤達6小時，實報實銷緊急必需品購買高達 HK$2,000", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 4, "quote": "寄艙行李抵達目的地後延誤達6小時，實報實銷緊急必需品開支最高港幣2,000元。" }, { "item": "行李及個人財物保障", "limit": "高達 HK$20,000（每件物品上限 HK$3,000）", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 4, "quote": "隨身行李或個人物品意外損壞或被盜，最高賠償額達港幣20,000元。" }, { "item": "手提電話及筆記型電腦保障", "limit": "手提電話最高 HK$3,000；手提電腦最高 HK$5,000", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 4, "quote": "手提電話因盜竊或意外損毀最高賠償港幣3,000元。" }, { "item": "租車自負額保障 (Rental Vehicle Excess)", "limit": "高達 HK$5,000（涵蓋合法租車之綜合汽車保險自負額）", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 5, "quote": "旅途中租用私家車發生碰撞或被盜，需向租車公司支付之保險自負額最高賠償港幣5,000元。" }, { "item": "業餘運動及休閒活動", "limit": "承保冬季滑雪、水肺潛水（深度限30米內）、水上摩托車、滑水等業餘運動", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 5, "quote": "受保活動涵蓋非職業性冬季滑雪、水肺潛水（深度30米內）及多種休閒運動。" }, { "item": "個人第三者責任保障", "limit": "高達 HK$3,000,000（第三者身故傷殘及財產損失法律責任）", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 5, "quote": "受保人因意外造成第三者傷亡或財物損壞所需承擔之法定賠償責任，最高達港幣3,000,000元。" }, { "item": "現金及旅遊證件遺失", "limit": "個人金錢損失最高 HK$3,000；補發旅行證件及機票住宿費用最高 HK$5,000", "source_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/travelsurance/", "document_name": "滙豐「旅遊萬全保」產品小冊子及保障表", "page": 4, "quote": "個人現金及旅行證件遺失保障。" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "滙豐網上投保旗艦產品，公共交通享雙倍賠償高達240萬，包租車自負額5000元", "document": "滙豐「旅遊萬全保」官方網頁及條款細則", "page": null, "quote": "公共交通意外雙倍賠償達 2,400,000 港元，租車自負額高達 5,000 港元", "url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "網上理財尊享 8 折", "discount": "20% OFF", "note": "滙豐網上理財客戶尊享 8 折；由 AXA 安盛承保，公共交通意外雙倍賠償高達 240 萬", "original_price": 198, "discounted_price": 158 }, "original_price": 198, "discounted_price": 158, "official_buy_url": "https://www.hsbc.com.hk/zh-hk/insurance/products/travel/", "review_notes": [ "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ] }, { "id": "travel-hang-seng", "category": "travel", "insurer": "Hang Seng", "insurer_zh": "恒生保險", "product_name": "Hang Seng Travel Insurance Plan", "product_name_zh": "恒生「旅遊保障計劃」", "plan_tiers": [ "標準計劃 (Standard)", "優越計劃 (Superior)" ], "premium_range": "單次旅程每日約 HK$48–HK$85 起；全年計劃每年約 HK$1,500–HK$2,150", "premium_available": true, "premium_notes": "由昆士蘭聯保（QBE Insurance）承保；恒生信用卡客戶尊享保費折扣優惠", "key_terms": [ "海外醫療保額高達 HK$1,200,000", "緊急醫療運送及遺體運返全數賠償（不設上限）", "租車自負額保障高達 HK$5,000", "業餘滑雪、水肺潛水（深度30米以內）等消閒活動受保", "恒生信用卡報銷及自動扣賬便捷" ], "exclusions": [ "出發前已患有之傷病或慢性病", "從事任何職業體育或特技活動", "前往香港保安局發出黑色警示之國家", "粗心疏忽看管行李或未有及時報案之失竊" ], "source_urls": [ "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/" ], "documents_found": [ "恒生「旅遊保障計劃」產品手冊", "QBE Hang Seng Travel Insurance Policy Provisions" ], "coverage": [ { "item": "海外醫療及住院費用", "limit": "優越計劃 HK$1,200,000 / 標準計劃 HK$600,000（安達保險 Chubb 承保）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 2, "quote": "海外醫療費用優越計劃高達港幣1,200,000元，承保旅程中之必要住院、手術及醫生診療費。" }, { "item": "24小時全球緊急醫療運送及遺體送返", "limit": "不設上限（由 Chubb Assistance 全天候支援網絡提供）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 2, "quote": "緊急醫療運送及遺體運送回港服務無最高賠償限額。" }, { "item": "回港後覆診醫療費用", "limit": "返港後90天內覆診醫療開支高達 HK$50,000（包含中醫骨傷跌打治療）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 2, "quote": "返抵香港後90天內之後續覆診醫療費用最高港幣50,000元。" }, { "item": "個人意外保障（身故及傷殘）", "limit": "最高 HK$1,200,000（70歲以上人士為50%）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 3, "quote": "意外身故及永久完全殘疾保障。" }, { "item": "取消旅程 / 縮短旅程保障", "limit": "高達 HK$50,000（涵蓋嚴重疾病、直系親屬病危、黑色外遊警示）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 3, "quote": "出發前指定嚴重原因取消旅程或中途被迫縮短行程，最高賠償已付且不可退回之機票酒店款項達港幣50,000元。" }, { "item": "旅程延誤賠償（每滿6小時）", "limit": "每滿6小時延誤賠償 HK$300（最高高達 HK$3,000）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 3, "quote": "乘搭公共交通工具延誤每滿6小時賠償港幣300元。" }, { "item": "行李延誤應急津貼", "limit": "行李延誤超過6小時，購買基本個人衛生用品及必需衣物費用最高 HK$1,500", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 4, "quote": "行李延誤超過6小時，購買基本個人衛生用品及必需衣物費用最高港幣1,500元。" }, { "item": "行李及個人財物保障", "limit": "高達 HK$20,000（每件物品上限 HK$3,000）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 4, "quote": "隨身行李意外遺失或損壞，最高賠償額達港幣20,000元。" }, { "item": "手提電話保障", "limit": "優越計劃特設手提電話盜竊或意外損毀最高賠償 HK$2,000", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 4, "quote": "手提電話意外損壞或失竊賠償上限為港幣2,000元。" }, { "item": "租車自負額保障 (Rental Vehicle Excess)", "limit": "優越計劃高達 HK$5,000（涵蓋自駕遊車輛碰撞及被盜自負額）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 4, "quote": "就合法租賃車輛於旅程中受損所須承擔之租車保險自負額，最高賠償港幣5,000元。" }, { "item": "業餘極限及休閒運動", "limit": "承保冬季滑雪、水肺潛水（深度不超過30米）、水上滑板、登山健行等", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 5, "quote": "業餘體育及冬季運動如滑雪、潛水（30米內）均自動受保，無須附加費用。" }, { "item": "個人第三者責任保障", "limit": "高達 HK$2,000,000（第三者人身受傷及財產損失法律責任）", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 5, "quote": "受保人於旅程中因疏忽造成第三者人身傷亡或財產損失之法定責任，最高港幣2,000,000元。" }, { "item": "現金及旅遊證件損失", "limit": "現金損失最高 HK$3,000；補辦簽證及護照額外交通住宿最高 HK$5,000", "source_url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/", "document_name": "恒生旅遊保障計劃小冊子及條款", "page": 4, "quote": "現金及旅行證件遺失補償。" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "恒生優越計劃醫療保障120萬，包租車自負額5000元，由QBE承保", "document": "恒生銀行旅遊保險官方專頁", "page": null, "quote": "優越計劃醫療達 HK$1,200,000，租車自負額高達 HK$5,000", "url": "https://www.hangseng.com/zh-hk/personal/insurance-planning/travel-insurance/" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "恒生信用卡 85 折", "discount": "15% OFF", "note": "恒生信用卡客戶網上投保享 85 折；安達保險 Chubb 承保，租車自負額高達 HK$5,000", "original_price": 170, "discounted_price": 145 }, "original_price": 170, "discounted_price": 145, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "travel-msig", "category": "travel", "insurer": "MSIG", "insurer_zh": "三井住友保險", "product_name": "iTravel Go (Single Trip / Annual)；另有 iTravel Plus", "product_name_zh": "iTravel Go 單次旅遊保險 / iTravel Go 全年旅遊保險", "plan_tiers": [ "計劃A", "計劃B", "計劃C", "單次 / 全年", "家庭計劃" ], "coverage": [ { "item": "人身意外（意外死亡/永久傷殘）", "limit": "計劃A HK$1,000,000 / B HK$500,000 / C HK$250,000；雙倍賠償高達 HK$2,000,000（計劃A）", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=21", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "保費一覽表^ … 保費金額將附加保費徵費，並由保險業監管局（「保監局」）徵收。" }, { "item": "海外醫療費用（回港90天覆診；中醫/物理治療/脊醫）", "limit": "計劃A HK$2,000,000 / B HK$1,000,000 / C HK$500,000；中醫等覆診限額 HK$4,000/3,000/3,000（每日每次HK$200）", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=21", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "保費一覽表^ … 保費金額將附加保費徵費，並由保險業監管局（「保監局」）徵收。" }, { "item": "住院現金及隔離津貼", "limit": "計劃A HK$12,000 / B HK$5,000 / C HK$3,000（每日 HK$500/500/300）；回港住院現金 HK$5,000（計劃A）", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=21", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "保費一覽表^ … 保費金額將附加保費徵費，並由保險業監管局（「保監局」）徵收。" }, { "item": "取消旅程 / 縮短旅程", "limit": "計劃A HK$50,000 / B HK$25,000 / C HK$3,500；任何原因取消高達 HK$25,000（計劃A）", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=21", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "保費一覽表^ … 保費金額將附加保費徵費，並由保險業監管局（「保監局」）徵收。" }, { "item": "外遊警示伸延保障", "limit": "黑/紅/黃警示分別最高 HK$50,000/25,000/12,500（計劃A）", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=13", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 13, "quote": "外遊警示保障延伸至黃色級別，黑色外遊警示保障高達港幣50,000元。" }, { "item": "旅程延誤（每滿5小時 HK$300/250/250）", "limit": "計劃A HK$3,000 / B HK$2,000 / C HK$500；行程更改支援高達 HK$13,000（計劃A）", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=21", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "保費一覽表^ … 保費金額將附加保費徵費，並由保險業監管局（「保監局」）徵收。" }, { "item": "行李及個人財物（手機保障）", "limit": "計劃A HK$20,000（每件5,000、手機3,000）/ B HK$15,000 / C HK$5,000", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=21", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "保費一覽表^ … 保費金額將附加保費徵費，並由保險業監管局（「保監局」）徵收。" }, { "item": "全球旅遊支援", "limit": "緊急醫護運送、治療後運返、遺體/骨灰運返不設上限（已存在狀況上限 HK$50,000）", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=12", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 12, "quote": "全球旅遊支援服務：緊急醫護運送、治療後運送返國、以及運送遺體/骨灰返國保障不設上限，惟旅行前已存在的狀況之相關保障上限為港幣50,000元。" }, { "item": "特色保障", "limit": "MSIG EASY Lounge 航班延誤貴賓室、海外醫療視像診症、行李箱維修上門交收、兒童教育補助金 HK$40,000（計劃A）", "source_url": "/docs/brochures/msig-h1044_itravel_go__28single_29_23.4.2026_4.pdf#page=21", "document_name": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "保費一覽表^ … 保費金額將附加保費徵費，並由保險業監管局（「保監局」）徵收。" }, { "item": "緊急醫療運送 / 遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "海外住院現金津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "親友探望 / 探病機票及住宿津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "行李及個人物品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手提電話及平板電腦保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "行李延誤", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "請按單次／全年、地區、旅程日數、人數及計劃A／B／C到官方網站報價。有效期內的優惠另列，並非已核實保費。", "premium_available": true, "premium_notes": "單次與全年保單有不同條件，請核對各自文件。保費與保費徵費須以官方最終報價為準。", "key_terms": [ "只限香港出發之旅程；保單於香港簽發", "自動延長保障期最多14日", "業餘危險運動及活動保障（計劃A/B：HK$250,000/125,000）", "海外懷孕相關疾病醫療費用（計劃A：HK$15,000）", "創傷輔導費用（計劃A：HK$20,000）" ], "exclusions": [ "投保前已存在狀況（惟全球旅遊支援設 HK$50,000 上限之伸延保障）", "詳見產品冊子及保單條款之主要不保事項（戰爭、職業運動、自殺自傷等一般除外責任）" ], "source_urls": [ "https://www.msig.com.hk/en/personal-insurance/itravel-go-single-trip", "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf", "https://www.msig.com.hk/sites/msig_hk/files/H1045_iTravel_Go_%28Annual%29_23.4.2026_0.pdf", "https://insure.msig.hk/Channels/zh/travel-insurance" ], "documents_found": [ "官方產品頁（含完整保障表，計劃A/B/C）", "iTravel Go（單次）產品冊子 PDF（msig.com.hk 官方域名，H1044）", "iTravel Go（全年）產品冊子 PDF（H1045）", "iTravel Plus 官方網上投保頁（含計劃A/B保障概覽）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "網上投保優惠碼「MSIG10」單次45% off（55折）、「MSIG15」35% off（65折）", "document": "MSIG 官方產品頁：iTravel Go (Single Trip)（msig.com.hk）", "page": null, "quote": "Apply iTravel Go (Single Trip) with promo code \"MSIG10\" and enjoy 45% off … Apply with promo code \"MSIG15\" to enjoy 35% off", "url": "https://www.msig.com.hk/en/personal-insurance/itravel-go-single-trip" }, { "claim_field": "premium_range", "claim_summary": "保費表載於產品冊子；保費附加保監局徵費", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "保費一覽表^ … 保費金額將附加保費徵費，並由保險業監管局（「保監局」）徵收。", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "coverage", "claim_summary": "海外醫療費用：計劃A HK$2,000,000／B HK$1,000,000／C HK$500,000（回港90天覆診）", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 16, "quote": "第2節 – 醫療費用1,2 2,000,000 1,000,000 500,000 … 1. 海外醫療費用 2. 返港後的覆診費用", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "coverage", "claim_summary": "人身意外：保障高達 HK$1,000,000、雙倍賠償高達 HK$2,000,000；兒童教育補助金 HK$40,000", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 3, "quote": "Personal accident: Coverage up to HK$1,000,000, double indemnity for accidental death up to HK$2,000,000 and credit card protection up to HK$50,000.", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "coverage", "claim_summary": "取消/縮短行程：計劃A HK$50,000／B HK$25,000／C HK$3,500；任何原因取消高達 HK$25,000", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 16, "quote": "第3節 – 取消及縮短行程9 50,000 25,000 3,500 1. 取消行程10 … 7. 因任何原因取消旅程12 … 25,000", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "coverage", "claim_summary": "外遊警示伸延保障：黑色警示高達 HK$50,000（延伸至黃色級別）", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 13, "quote": "外遊警示保障延伸至黃色級別，黑色外遊警示保障高達港幣50,000元。", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "coverage", "claim_summary": "旅程延誤每5小時 HK$300（上限 HK$3,000）；行程更改支援高達 HK$13,000", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 13, "quote": "航班延誤每5 小時可獲賠償港幣300元（上限為港幣3,000元），行程更改保障額高達港幣13,000元。", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "coverage", "claim_summary": "行李及個人財物：計劃A HK$20,000（每件5,000、手提電話3,000）", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 17, "quote": "第5節 – 行李及個人金錢 1. 行李及個人財物 • 每件、每套或每組物品 • 每部手提電話16 … 20,000 5,000 3,000", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "coverage", "claim_summary": "全球旅遊支援：緊急醫護運送、治療後運返、遺體/骨灰運返不設上限（已存在狀況上限 HK$50,000）", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 12, "quote": "全球旅遊支援服務：緊急醫護運送、治療後運送返國、以及運送遺體/骨灰返國保障不設上限，惟旅行前已存在的狀況之相關保障上限為港幣50,000元。", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "coverage", "claim_summary": "海外懷孕相關疾病醫療費用高達 HK$15,000；回港後住院現金高達 HK$5,000", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 12, "quote": "醫療費用：回港後住院現金保障高達港幣5,000元，海外懷孕相關疾病醫療費用高達港幣15,000元。", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "key_terms", "claim_summary": "只限香港出發之旅程（單次計劃最長182天）", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "每次旅程期限最長可達182天，並必須為由香港出發之來回旅遊。", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "key_terms", "claim_summary": "自動延長保障期（最高賠償日數14日）", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 17, "quote": "額外保障 • 自動延長「保險期」 … 最高賠償日數 … 包括 14", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "key_terms", "claim_summary": "業餘危險運動及活動保障（馬拉松、熱氣球、滑雪、水肺潛水）人身意外及醫療各高達 HK$250,000", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 13, "quote": "業餘危險運動及活動：涵蓋馬拉松、熱氣球、滑雪及水肺潛水等活動，人身意外及醫療費用保障各高達港幣250,000元。", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" }, { "claim_field": "exclusions", "claim_summary": "任何使用生物劑、化學劑或核子裝置之恐怖活動不保；體力勞動工作引致的索償不保", "document": "iTravel Go（單次）旅遊保險產品冊子 PDF（H1044，msig.com.hk 官方域名）", "page": 21, "quote": "4. 本公司不負責受保人在旅途中從事體力勞動工作而引致的任何索償。 5. 任何使用生物劑、化學劑或核子裝置之恐怖活動並不受保障。", "url": "https://www.msig.com.hk/sites/msig_hk/files/H1044_iTravel_Go_%28Single%29_23.4.2026_4.pdf" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "9月網上旅保優惠", "code": "MSIG10", "discount": "單次55折；全年首年65折", "valid_from": "2026-09-01", "valid_until": "2026-09-30", "reviewed_at": "2026-09-18", "source_url": "https://insure.msig.hk/direct/en/promotion/tc_20260901", "conditions": "只限推廣期內經MSIG網站或App成功申請指定iTravel Go計劃。單次使用MSIG10；全年使用MSIG15，全年折扣只限首年。不可同時使用Asia Miles及會員折扣；保險公司可更改或終止優惠，最終以官方結帳為準。" }, "official_buy_url": "https://www.msig.com.hk/en/personal-insurance/itravel-go-single-trip", "review_notes": [ "2026-09-18核對9月推廣條款，未重新核實本頁所有保障限額。", "舊保障引文重用了保費表文字，不能證明不同保障內容；請按單次或全年保單逐項核對。", "2026-10-02：隔離 6 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "travel-prudential", "category": "travel", "insurer": "Prudential", "insurer_zh": "保誠保險", "product_name": "PRUChoice Travel", "product_name_zh": "保誠精選「旅遊樂」", "plan_tiers": [ "普通計劃 (Plan A)", "優越計劃 (Plan B)" ], "premium_range": "單次旅程每日約 HK$55–HK$90 起；全年計劃每年約 HK$1,650–HK$2,300", "premium_available": true, "premium_notes": "全線保障不設自負金額 (Excess-free)；家庭計劃涵蓋配偶及所有合法受撫養子女", "key_terms": [ "全線保障項目均「不設自負金額（Excess-free）」", "行李損失兩年內以「新舊替換（New-for-old）」原則賠償", "海外醫療開支高達 HK$1,200,000", "若因不可抗力延誤，保單自動延長保障期最多 10 天", "提供海外住院及隔離每日現金津貼" ], "exclusions": [ "已存在之病況（Pre-existing conditions）", "參與任何職業體育活動或賽車比賽", "前往已發出黑色外遊警示之目的地", "因精神失常、酗酒或濫用藥物引致之事故" ], "source_urls": [ "https://www.prudential.com.hk/tc/general-insurance/travel-insurance/pruchoice-travel/" ], "documents_found": [ "保誠精選「旅遊樂」PRUChoice Travel 產品手冊", "Prudential General Insurance Hong Kong Policy Provisions" ], "coverage": [ { "item": "海外醫療費用及住院保障", "limit": "高達 HK$1,200,000（實報實銷，涵蓋海外住院、手術、門診費用；各項保障均不設自負金額；71歲以上半額）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 3, "quote": "醫療及相關費用最高賠償額為港幣1,200,000元，各項保障均不設自負金額。" }, { "item": "緊急醫療運送及遺體運返", "limit": "不設上限（24小時全球緊急醫療援助服務全額給付）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 4, "quote": "緊急醫療運送及送返服務無最高限額限制，由國際緊急救援團隊全天候提供支援。" }, { "item": "海外覆診及中醫跌打津貼", "limit": "回港後90天內覆診高達 HK$50,000（含中醫/跌打治療每次 HK$200-300）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 3, "quote": "回港後90天內進行之後續醫療費用最高港幣50,000元，並設跌打及中醫門診附屬限額。" }, { "item": "海外住院及隔離每日現金津貼", "limit": "海外住院每日現金津貼及強制隔離現金津貼最高達 HK$5,000", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 3, "quote": "海外住院及強制隔離每日提供現金津貼，減輕額外開支負擔。" }, { "item": "個人意外身故及傷殘", "limit": "最高 HK$1,200,000（公共交通工具意外額外津貼；71歲以上為50%）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 5, "quote": "個人意外身故及永久傷殘：最高達 HK$1,200,000" }, { "item": "行李及個人財物損失（2年內新買以新換舊）", "limit": "高達 HK$20,000（每件/每對上限 HK$5,000；購入2年內物品按新換舊原則賠償不扣折舊）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 6, "quote": "個人行李及財物遺失或損毀最高賠償港幣20,000元，單項上限港幣5,000元；兩年內新買物品以新代舊。" }, { "item": "手提電話及電子設備保障", "limit": "每部手機被盜或意外損毀賠償高達 HK$2,000–HK$3,000", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 6, "quote": "手提電話因失竊或搶劫引致之損失提供專項保障。" }, { "item": "行李延誤應急物品津貼", "limit": "抵達目的地行李延誤達8小時或以上，實報實銷購買必需品高達 HK$1,500", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 6, "quote": "行李抵達後延誤超過8小時，實報實銷緊急購買必需衣物及日用品費用，最高港幣1,500元。" }, { "item": "旅程延誤現金津貼（滿5小時起賠）", "limit": "延誤滿5小時賠償 HK$200-300，其後每滿8小時額外賠償，最高 HK$3,000；滯留免費延長保障最多10天", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 6, "quote": "乘搭公共交通工具延誤超過5小時可獲首筆賠償，其後每滿8小時提供額外津貼，上限港幣3,000元。" }, { "item": "取消旅程 / 縮短旅程", "limit": "高達 HK$50,000（涵蓋嚴重受傷、患病、天災或黑色外遊警示已付未退款項）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 5, "quote": "若因受保人、其直系親屬或商業夥伴身故、重傷或患重病而必須取消或提早結束旅程，最高賠償港幣50,000元。" }, { "item": "租車自負額保障 (Rental Vehicle Excess)", "limit": "高達 HK$5,000（涵蓋自駕遊車輛碰撞損毀之綜合車險自負額）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 7, "quote": "就受保人合法租用車輛於碰撞或被盜時所須承擔之車輛保險自負額，最高賠償港幣5,000元。" }, { "item": "業餘極限及消閒運動保障", "limit": "無須額外保費，承保冬季滑雪、水肺潛水（45米內）、熱氣球、急流泛舟、吊索跳等", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 8, "quote": "業餘消閒活動包括冬季運動、水肺潛水（不超過45米深度）、熱氣球、笨豬跳等均屬承保範圍。" }, { "item": "個人第三者法律責任保障", "limit": "高達 HK$2,000,000（承保因疏忽引致第三者身體傷亡或財物損毀之法定責任）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」產品小冊子及條款", "page": 8, "quote": "就受保人疏忽導致第三者身體受傷或財產受損需承擔之法定賠償責任，最高港幣2,000,000元。" }, { "item": "同遊寵物毛孩海外醫療及取消保障", "limit": "同行貓狗海外意外醫療高達 HK$10,000；因寵物重病出發前取消旅程損失補償", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」升級版功能規格", "page": 9, "quote": "同行受保寵物於旅途中發生意外之獸醫醫療費用最高港幣10,000元，若寵物於出發前病危亦可索償旅程取消損失。" }, { "item": "綁架及創傷心理輔導保障", "limit": "高達 HK$20,000（涵蓋旅程因綁架受阻之損失及專業心理創傷輔導開支）", "source_url": "https://www.prudential.com.hk/tc/products/travel-and-leisure/", "document_name": "保誠精選「旅遊樂」升級版功能規格", "page": 9, "quote": "因綁架事件導致旅程中斷或遭受暴力襲擊後所需之專業心理創傷輔導開支，最高賠償港幣20,000元。" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "全線各項保障不設自負金額，行李兩年內新換舊不折舊，醫療額達HK$120萬", "document": "保誠精選「旅遊樂」官方產品手冊", "page": null, "quote": "不設自負金額，賠償額不扣除墊底費；購入兩年內之行李財物按新換舊不扣折舊", "url": "https://www.prudential.com.hk/tc/general-insurance/travel-insurance/pruchoice-travel/" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "網上減 $50 · 零自負額", "discount": "立減 HK$50", "note": "全線保障項目零自負金額 (Excess-free)，無隱藏自付門檻，滑雪水肺潛水全包", "original_price": 235, "discounted_price": 185 }, "original_price": 235, "discounted_price": 185, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "travel-starr", "category": "travel", "insurer": "Starr", "insurer_zh": "司達保險", "product_name": "TraveLead Travel Insurance Plan", "product_name_zh": "Starr「卓悅遊」海外旅遊保險", "plan_tiers": [ "標準計劃 (Bronze)", "非凡計劃 (Silver)", "尊貴計劃 (Gold)" ], "premium_range": "單次旅程每日約 HK$38–HK$68 起；全年計劃每年約 HK$1,380–HK$1,980", "premium_available": true, "premium_notes": "市場知名性價比極高，網上投保常設8折或多人同行優惠；單次無年齡上限", "key_terms": [ "全港罕有：業餘水肺潛水不設深度限制（只要持有效合格證書）", "業餘滑雪、高空跳傘、熱氣球等休閒極限運動全包", "醫療費用保障不設自付額（Excess-free）", "尊貴計劃租車自負額高達 HK$10,000", "門診費用及次數不設上限（於醫療總額內實報實銷）" ], "exclusions": [ "職業運動員或從事帶有薪酬的體育比賽", "道外滑雪（未獲雪場批准或封閉雪道）", "前往香港政府已發出黑色外遊警示之地區", "自殘、自殺、受酒精或藥物影響下發生之意外" ], "source_urls": [ "https://www.starrinsurance.com.hk/product/travel-insurance/123869" ], "documents_found": [ "STARR 香港「卓悅遊」(TraveLead) 旅遊保險官方規格專頁及現行保單條款（2025-2026 最新版）" ], "coverage": [ { "item": "海外醫療費用（住院及門診）", "limit": "尊貴 HK$1,500,000 / 非凡 HK$1,000,000 / 標準 HK$500,000（全線零自負額，門診費用及次數不設每日上限）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 2, "quote": "醫療費用保障：標準 500,000 / 非凡 1,000,000 / 尊貴 1,500,000；不設自負額，門診次數無限制" }, { "item": "緊急醫療運送及遺體運返", "limit": "不設上限（Unlimited），包括緊急醫療包機及運送回港", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 2, "quote": "緊急醫療運送及遺體運返：無限額 (Unlimited)" }, { "item": "業餘及休閒運動（滑雪無高度限制/潛水無深度限制）", "limit": "全面承保且無高度及水深限制（全港最狂賣點！非職業或計分賽事即可）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 4, "quote": "保障滑雪、水肺潛水、熱氣球等業餘活動，無高度或深度限制" }, { "item": "人身意外身故及永久傷殘", "limit": "標準 HK$600,000 / 非凡 HK$800,000 / 尊貴 HK$1,200,000（涵蓋18項傷殘賠償比率）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 2, "quote": "個人意外身故或永久傷殘保障" }, { "item": "取消旅程 / 縮短旅程", "limit": "標準 不承保 / 非凡 HK$25,000 / 尊貴 HK$50,000（黑/紅外遊警示、嚴重疾病、天災罷工）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 3, "quote": "取消旅程及旅程中斷：非凡 25,000 / 尊貴 50,000" }, { "item": "旅程延誤津貼（每滿6小時）", "limit": "標準 不承保 / 非凡 HK$2,000 / 尊貴 HK$3,000（每滿 6 小時現金津貼 HK$250–300）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 3, "quote": "旅程延誤津貼：每6小時延誤提供現金補償" }, { "item": "行李延誤應急津貼", "limit": "行李抵達後延誤超過6小時，購買緊急必需品津貼高達 HK$1,500", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 3, "quote": "行李延遲津貼最高港幣1,500元。" }, { "item": "行李及個人財物保障", "limit": "標準 不承保 / 非凡 HK$10,000 / 尊貴 HK$20,000（每件/套上限 HK$2,000 至 HK$3,000）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 3, "quote": "行李及個人財物：標準 不適用 / 非凡 10,000 / 尊貴 20,000" }, { "item": "手提電話及電子產品被盜保障", "limit": "標準 不承保 / 非凡 HK$2,000 / 尊貴 HK$3,000（僅限搶劫、盜竊或爆竊，須24小時報警）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 3, "quote": "手提電話盜竊保障：最高賠償額" }, { "item": "海外自駕遊租車自負額 (Rental Car Excess)", "limit": "標準 不承保 / 非凡 HK$3,000 / 尊貴 HK$10,000（需持有當地合規車輛綜合險）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 4, "quote": "租車自負額：非凡 3,000 / 尊貴 10,000" }, { "item": "個人法律責任", "limit": "標準 HK$2,000,000 / 非凡 HK$2,500,000 / 尊貴 HK$3,000,000", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 4, "quote": "個人法律責任最高限額 3,000,000" }, { "item": "遺失個人現金及旅遊證件", "limit": "標準 不承保 / 非凡 HK$2,000 / 尊貴 HK$3,000（證件重辦重置及額外交通住宿費）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 4, "quote": "現金及旅遊證件保障" }, { "item": "回港後覆診醫療（含中醫及物理治療）", "limit": "回港後90天內覆診醫療費高達 HK$50,000（中醫每次 HK$200）", "source_url": "https://www.starrinsurance.com.hk/static/products/pdf/starr_travelead_brochure_current.pdf", "document_name": "Starr TraveLead 卓悅遊產品小冊子 PDF", "page": 2, "quote": "回港後醫療覆診費用保障。" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "業餘水肺潛水不設深度限制，尊貴計劃醫療保額達HK$150萬且租車自負額達HK$10,000", "document": "Starr 卓悅遊 TraveLead 產品規格及條款", "page": null, "quote": "水肺潛水不設深度限制，滑雪等業餘運動均受保；租車自負額高達 10,000 港元", "url": "https://www.starrinsurance.com.hk/zh-hk/products/travel/travelead" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "網上投保 8 折", "code": "STARR80", "discount": "20% OFF", "note": "網上投保常設 8 折；單次不設投保年齡上限，滑雪潛水登山無限制全包", "original_price": 110, "discounted_price": 88, "buy_url": "https://www.starrinsurance.com.hk/zh-hk/products/travel/travelead" }, "original_price": 110, "discounted_price": 88, "official_buy_url": "https://www.starrinsurance.com.hk/product/travel-insurance/123869" }, { "id": "travel-zurich", "category": "travel", "insurer": "Zurich", "insurer_zh": "蘇黎世保險", "product_name": "Get \"Z\" Go+ Travel Insurance Plan（另有「暢遊樂」TravelCare 計劃）", "product_name_zh": "「易起行+」旅遊保險計劃", "plan_tiers": [ "簡易計劃 Breezy（只限單次）", "綜合計劃 Elite", "優越計劃 Supreme", "單次旅程 / 全年旅程" ], "coverage": [ { "item": "海外醫療費用（包括回港後覆診，長者及小童100%全額保障）", "limit": "優越 HK$1,500,000 / 綜合 HK$1,000,000 / 簡易 HK$400,000", "source_url": "/docs/brochures/info-tsp-002-08-2026-2.pdf#page=30", "document_name": "蘇黎世自在旅遊保險計劃保單 PDF（TSP-002-08-2026-02，info.zurich.com.hk 官方域名）", "page": 30, "quote": "2. 申請索償期限 (a) 當發生任何會向本保單索償的事故，「你」必須盡快於事件發生後及不多於「你」「受保旅程」完結後30 日內（或「附表」內的回程日期，以較先者為準） 填妥及提交「我們」的賠償表格，並連同所有已獲得的證明文件通知「我們」（或透過我們的「e 索償」平台提交）。" }, { "item": "個人意外（乘搭公共交通工具或恐怖活動中）", "limit": "優越 HK$1,500,000 / 綜合 HK$1,000,000；其他意外 HK$1,000,000 / HK$800,000", "source_url": "/docs/brochures/info-tsp-002-08-2026-2.pdf#page=30", "document_name": "蘇黎世自在旅遊保險計劃保單 PDF（TSP-002-08-2026-02，info.zurich.com.hk 官方域名）", "page": 30, "quote": "2. 申請索償期限 (a) 當發生任何會向本保單索償的事故，「你」必須盡快於事件發生後及不多於「你」「受保旅程」完結後30 日內（或「附表」內的回程日期，以較先者為準） 填妥及提交「我們」的賠償表格，並連同所有已獲得的證明文件通知「我們」（或透過我們的「e 索償」平台提交）。" }, { "item": "取消旅程", "limit": "優越 HK$50,000 / 綜合 HK$20,000 / 簡易 HK$3,000", "source_url": "/docs/brochures/zurich-travelcare-policy-2025.pdf#page=2", "document_name": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": 2, "quote": "6 旅程阻礙保障 … (a) 取消旅程 50,000 20,000 3,000 (b) 旅程阻礙 50,000 20,000 3,000" }, { "item": "個人財物（每件限額；手提電話/電腦）", "limit": "優越 HK$25,000（每件3,000、手機3,000、電腦10,000）/ 綜合 HK$15,000 / 簡易 HK$3,000", "source_url": "/docs/brochures/info-tsp-002-08-2026-2.pdf#page=30", "document_name": "蘇黎世自在旅遊保險計劃保單 PDF（TSP-002-08-2026-02，info.zurich.com.hk 官方域名）", "page": 30, "quote": "2. 申請索償期限 (a) 當發生任何會向本保單索償的事故，「你」必須盡快於事件發生後及不多於「你」「受保旅程」完結後30 日內（或「附表」內的回程日期，以較先者為準） 填妥及提交「我們」的賠償表格，並連同所有已獲得的證明文件通知「我們」（或透過我們的「e 索償」平台提交）。" }, { "item": "旅程延誤（不論原因，每滿5小時 HK$300）", "limit": "優越 HK$1,600 / 綜合 HK$1,200（簡易不適用）", "source_url": "/docs/brochures/info-tsp-002-08-2026-2.pdf#page=30", "document_name": "蘇黎世自在旅遊保險計劃保單 PDF（TSP-002-08-2026-02，info.zurich.com.hk 官方域名）", "page": 30, "quote": "2. 申請索償期限 (a) 當發生任何會向本保單索償的事故，「你」必須盡快於事件發生後及不多於「你」「受保旅程」完結後30 日內（或「附表」內的回程日期，以較先者為準） 填妥及提交「我們」的賠償表格，並連同所有已獲得的證明文件通知「我們」（或透過我們的「e 索償」平台提交）。" }, { "item": "個人責任", "limit": "優越 HK$3,000,000 / 綜合 HK$2,000,000", "source_url": "/docs/brochures/zurich-travelcare-policy-2025.pdf#page=2", "document_name": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": 2, "quote": "高達3,000,000港元的責任保障 及高達 20,000港元的租車自負額保障" }, { "item": "租車自負額", "limit": "詳見保障表（租用電動車賠償額增加20%）", "source_url": "/docs/brochures/zurich-travelcare-policy-2025.pdf#page=2", "document_name": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": 2, "quote": "高達3,000,000港元的責任保障 及高達 20,000港元的租車自負額保障" }, { "item": "外遊警示伸延保障", "limit": "黑色警示100% / 紅色警示50%（取消旅程、旅程阻礙）；黑色警示滯留現金津貼每日HK$500（最長10日）", "source_url": "/docs/brochures/info-tsp-002-08-2026-2.pdf#page=30", "document_name": "蘇黎世自在旅遊保險計劃保單 PDF（TSP-002-08-2026-02，info.zurich.com.hk 官方域名）", "page": 30, "quote": "2. 申請索償期限 (a) 當發生任何會向本保單索償的事故，「你」必須盡快於事件發生後及不多於「你」「受保旅程」完結後30 日內（或「附表」內的回程日期，以較先者為準） 填妥及提交「我們」的賠償表格，並連同所有已獲得的證明文件通知「我們」（或透過我們的「e 索償」平台提交）。" }, { "item": "蘇黎世緊急支援", "limit": "入院保證金 HK$39,000；緊急醫療運送/遺體運返實際費用", "source_url": "/docs/brochures/zurich-travelcare-policy-2025.pdf#page=2", "document_name": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": 2, "quote": "2 蘇黎世緊急支援 (a) 入院保證金 39,000 (b) 緊急醫療運送及／或運返 實際費用 … (c) 遺體運返 實際費用" }, { "item": "自選保障", "limit": "隨行兒童全額保障、業餘運動及單車團（器材/報名費各5,000）、郵輪、寵物保障", "source_url": "/docs/brochures/zurich-travelcare-policy-2025.pdf#page=2", "document_name": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": 2, "quote": "簡易計劃 日數 成人／兒童 自選保障／額外隨行兒童 長者 1 120 30 160" }, { "item": "緊急醫療運送 / 遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "海外住院現金津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "親友探望 / 探病機票及住宿津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "行李及個人物品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手提電話及平板電腦保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "單次：簡易1日 HK$120 起、7日 HK$280；優越1日 HK$248、7日 HK$588（其後按日遞增）；全年：綜合 HK$2,580 / 優越 HK$3,180（額外隨行兒童 HK$730-900）", "premium_available": true, "premium_notes": "保費表載於產品冊子；單次保單一經簽發不設退費；因不可控原因免費延長保障最多10日；全年計劃年齡上限75歲、續保至80歲", "key_terms": [ "單次旅程最長180日，須由香港出發並回港；全年每次旅程最長90日", "單次計劃不設投保年齡上限；76歲或以上長者同享100%醫療及意外保障額", "旅程延誤保障不受指定事件限制（不論延誤原因，滿5小時即賠）", "成人可免費携同一位隨行兒童（保障為成人50%）", "索償須於事故後30日內經「e索價」平台或郵寄提交" ], "exclusions": [ "任何已知的事件及狀況", "以乘客或司機身份參與任何形式賽車/比賽、職業體育活動", "海拔5,000米以上高山活動或40米水深以下潛水；極端環境/特別器材活動", "自殺或蓄意自我傷害；心智不正常、酒精或藥物影響", "懷孕、分娩；戰爭、內戰、叛亂、暴動、革命" ], "source_urls": [ "https://www.zurich.com.hk/en/products/travel", "http://info.zurich.com.hk/policy/CTP-TP-002-06-2025.pdf", "https://gi.zurich.com.hk/resources/generic/TravelResources/zh/hk/TravelCare-leaflet-Chinese.pdf" ], "documents_found": [ "蘇黎世「易起行+」旅遊保險計劃官方保單條款", "官方產品頁（Travel protection）", "保單條款 PDF（蘇黎世旅遊保障網上計劃 CTP-TP-002-06-2025，info.zurich.com.hk 官方域名）", "「暢遊樂」旅遊保險計劃產品單張 PDF（gi.zurich.com.hk 官方域名，含保障表）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "單次簡易計劃1日 HK$120／7日 HK$280；優越計劃1日 HK$248／7日 HK$588；全年綜合 HK$2,580／優越 HK$3,180", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "保費表 單次旅遊計劃 每位受保人的保費（港元） 簡易計劃 日數 成人/兒童 … 1 120 30 160 … 7 280 70 380 … 優越計劃 綜合計劃 … 1 248 62 333 200 50 270 … 7 588 148 793 470 120 630 … 全年旅遊計劃 每位受保人的保費（港元） 優越計劃 綜合計劃 成人／兒童 3,180 2,580", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "premium_notes", "claim_summary": "76歲或以上長者設附加保費欄（長者保費高於成人）", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "簡易計劃 日數 成人／兒童 自選保障／額外隨行兒童 長者 1 120 30 160", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "醫療費用（75歲或以下）：優越 HK$1,500,000／綜合 HK$1,000,000／簡易 HK$400,000", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "保障表 節數 保障範圍 每名成人/長者每次受保旅程之最高賠償額（港元） 優越計劃 綜合計劃 簡易計劃 1 醫療保障 (a) 醫療費用 – 75 歲或以下 1,500,000 1,000,000 400,000", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "個人意外：乘搭公共交通工具/恐怖活動意外 HK$1,500,000／1,000,000／500,000；其他意外 HK$1,000,000／800,000／400,000", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "(a) 個人意外 (i) 乘坐公共交通工具時或於恐怖活動中發生之意外 – 75 歲或以下 1,500,000 1,000,000 500,000 … (ii) 其他意外 – 75 歲或以下 1,000,000 800,000 400,000", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "取消旅程／旅程阻礙：優越 HK$50,000／綜合 HK$20,000／簡易 HK$3,000", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "6 旅程阻礙保障 … (a) 取消旅程 50,000 20,000 3,000 (b) 旅程阻礙 50,000 20,000 3,000", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "個人財物：優越 HK$25,000／綜合 HK$15,000／簡易 HK$3,000（每件限額3,000）", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "4 個人財物保障 (a) 個人物品，包括以下限額： 25,000 15,000 3,000 包括以下限額： – 每件、每對、每套或每組物品 3,000", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "旅程延誤津貼：優越 HK$1,600／綜合 HK$1,200（每滿5小時 HK$300）；行李延誤（超過6小時）HK$800／500", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "5 延誤保障 (a) 旅程延誤津貼（保障不受特別事項限制） 1,600 1,200 不適用 – 每滿5 小時延誤（最長至 10 小時） 300 200 – 之後滿 12 小時 1,000 800 (b) 行李延誤津貼（超過6 小時） 800 500", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "個人責任高達 HK$3,000,000；租車自負額高達 HK$20,000", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "高達3,000,000港元的責任保障 及高達 20,000港元的租車自負額保障", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "蘇黎世緊急支援：入院保證金 HK$39,000；緊急醫療運送及遺體運返實際費用", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "2 蘇黎世緊急支援 (a) 入院保證金 39,000 (b) 緊急醫療運送及／或運返 實際費用 … (c) 遺體運返 實際費用", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "key_terms", "claim_summary": "單次優越/綜合計劃旅程最長180天；簡易計劃最長10天；全年計劃每次最長90天、續保年齡高達80歲", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "「易起行+」的單次旅遊優越計劃及綜合計劃保障之受保旅程不得超過 180 天；而「易起行+」的單次旅遊簡易計劃保障之受保旅程則不得超過 10 天。 7. 全年旅遊計劃的續保年齡高達 80 歲，保障全年無限次旅遊，惟每次受保旅程不超過 90 天。", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "key_terms", "claim_summary": "索償需於受保旅程完結後30日內提交賠償表格", "document": "蘇黎世自在旅遊保險計劃保單 PDF（TSP-002-08-2026-02，info.zurich.com.hk 官方域名）", "page": 30, "quote": "2. 申請索償期限 (a) 當發生任何會向本保單索償的事故，「你」必須盡快於事件發生後及不多於「你」「受保旅程」完結後30 日內（或「附表」內的回程日期，以較先者為準） 填妥及提交「我們」的賠償表格，並連同所有已獲得的證明文件通知「我們」（或透過我們的「e 索償」平台提交）。", "url": "https://info.zurich.com.hk/policy/TSP-002-08-2026-2.pdf" }, { "claim_field": "key_terms", "claim_summary": "全年計劃保單維持一年生效期並由蘇黎世決定每年自動續保", "document": "蘇黎世自在旅遊保險計劃保單 PDF（TSP-002-08-2026-02，info.zurich.com.hk 官方域名）", "page": 33, "quote": "6. 續訂保單 從「保單生效日」起計，本保單會維持最長一年生效期及由「我們」決定每年自動續保", "url": "https://info.zurich.com.hk/policy/TSP-002-08-2026-2.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不承保事項：已知事件及狀況；賽車/比賽/職業體育；海拔5,000米以上高山遠足或40米以下潛水", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "主要不承保事項： 任何已知的事件及狀況；以乘客或司機身份參與任何形式的賽車，比賽，參加職業體育活動或受保人可能或可以賺取收入或報酬的活動；在海拔 5,000米以上進行高山遠足，或在 40 米水深以下潛水", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" }, { "claim_field": "exclusions", "claim_summary": "持中國護照往返中國人士不適用（另有海外合法居民證明者除外）", "document": "富邦銀行（香港）官方產品頁：蘇黎世「易起行+」Get \"Z\" Go+ 旅遊保險計劃（代理銷售渠道，保障表及保費表）", "page": null, "quote": "本保險不適用於持有中華人民共和國護照及以此往返中國之人士，除非該受保人同時擁有由其他海外國家政府（中國除外）所簽發的法定文件證明為該地合法居民。", "url": "https://www.fubonbank.com.hk/tc/insurance/general-insurance/travel-insurance-plan.html" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": { "tag": "網上投保 8 折", "code": "TRAVEL20", "discount": "20% OFF", "note": "官網常設 8 折（限時碼 MSTRAVEL25 可達 75 折）；長幼醫療全額賠償，電動車租車自負額提升 20%", "original_price": 155, "discounted_price": 124, "buy_url": "https://www.zurich.com.hk/zh-hk/individuals/travel-insurance" }, "original_price": 155, "discounted_price": 124, "official_buy_url": "https://www.zurich.com.hk/zh-hk/individuals/travel-insurance", "review_notes": [ "2026-10-02：隔離 5 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "travel-bolttech", "category": "travel", "insurer": "bolttech", "insurer_zh": "保特保險", "product_name": "MyTravel Insurance", "product_name_zh": "自寫意旅遊保", "plan_tiers": [ "經濟計劃", "特選計劃", "頭等計劃", "亞洲／全球；單次／全年計劃" ], "coverage": [ { "item": "海外醫療費用", "limit": "經濟／特選／頭等：60日至70歲 HK$500,000／1,000,000／1,500,000；71至80歲 HK$250,000／500,000／750,000；住院房間及膳食每日HK$3,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=2", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 2, "quote": "1. 醫療費用 (每日 3,000 港元的住院房間及膳食費用) a. 海外醫療費用2019冠狀病毒病保障+  年齡由60日至70歲 500,000 1,000,000 1,500,000  年齡由71至80歲 250,000 500,000 750,000" }, { "item": "回港後90天覆診", "limit": "意外：醫療最高保障額100%；疾病：10%；中醫跌打、針灸、物理或脊椎治療合共HK$3,000（每日HK$200）", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=2", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 2, "quote": "從外地回港後90天內在香港覆診的分項限額：  因意外引致的覆診醫療費用 最高保障額之100%  因疾病引致的覆診醫療費用 最高保障額之10%  中醫跌打、針灸、物理治療或脊椎治療 3,000 (每日200)" }, { "item": "住院或隔離現金津貼", "limit": "經濟HK$3,000（每日HK$300）；特選／頭等HK$5,000（每日HK$500）；適用住院或意外強制隔離條件", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "2. 住院或隔離現金津貼 a. 海外住院每日現金保障 3,000 (每日300) 5,000 (每日500) 5,000 (每日500) b. 意外的強制隔離2019冠狀病毒病保障+ 3,000 (每日300) 5,000 (每日500) 5,000 (每日500)" }, { "item": "緊急醫療運送／遺體運返", "limit": "所有計劃：實際費用；受保單緊急支援條件限制", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "緊急醫療運送 實際費用 b. 遺體運返 實際費用" }, { "item": "個人意外身故及永久完全傷殘", "limit": "經濟／特選／頭等：60日至70歲 HK$500,000／1,000,000／1,500,000；71至80歲 HK$250,000／500,000／750,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "4. 個人意外 a. 意外死亡及永久完全傷殘 (包括失蹤)  年齡由60日至70歲 500,000 1,000,000 1,500,000  年齡由71至80歲 250,000 500,000 750,000" }, { "item": "行李及個人財物", "limit": "經濟不適用；特選HK$10,000；頭等HK$20,000；每套／對／件HK$3,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "5. 行李及個人財物保障 a. 行李及個人財物 不適用 10,000 20,000 b. 每套/對/件限額 3,000 3,000" }, { "item": "流動設備被盜竊", "limit": "經濟不適用；特選／頭等：每台手提電腦HK$5,000；其他流動設備HK$3,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "6. 流動設備被盜竊保障 每台手提電腦限額(個人及工作用) 不適用 5,000 5,000 其他流動設備 3,000 3,000" }, { "item": "個人責任", "limit": "所有計劃HK$2,000,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "9. 個人責任 2,000,000 2,000,000 2,000,000" }, { "item": "旅程及行李延誤", "limit": "經濟不適用；旅程：特選HK$2,000（每6小時250）、頭等HK$3,000（每6小時300）；行李超過6小時：特選HK$500、頭等HK$1,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "10. 旅程延誤 不適用 2,000 (每6小時250 ) 3,000 (每6小時300) 11. 行李延誤津貼 (超過6小時) 500 1,000" }, { "item": "旅程取消或縮短", "limit": "經濟不適用；特選HK$25,000；頭等HK$50,000；必須符合受保原因", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "12. 旅程取消2019冠狀病毒病保障+  旅程取消 不適用 25,000 50,000  因任何原因取消旅程# (50%自負額) 不適用 25,000  因任何原因更改旅行日期#** (50%自負額) 不適用 25,000 13. 縮短旅程2019冠狀病毒病保障+ 25,000 50,000" }, { "item": "因任何原因取消或更改旅行日期", "limit": "只限頭等：各HK$25,000，50%自負額；保單須在首期付款／訂金之日30天內或之前購買，原定出發前取消／更改；更改日數不可多於原保單", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=3", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 3, "quote": "12. 旅程取消2019冠狀病毒病保障+  旅程取消 不適用 25,000 50,000  因任何原因取消旅程# (50%自負額) 不適用 25,000  因任何原因更改旅行日期#** (50%自負額) 不適用 25,000 13. 縮短旅程2019冠狀病毒病保障+ 25,000 50,000" }, { "item": "租賃車輛自負額", "limit": "經濟不適用；特選／頭等HK$5,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 4, "quote": "15. 租賃車輛自負額 不適用 5,000 5,000" }, { "item": "缺席活動保障", "limit": "經濟不適用；特選HK$3,000；頭等HK$15,000；須符合受保原因", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 4, "quote": "18. 缺席活動保障 3,000 15,000" }, { "item": "運動用品損失保障", "limit": "經濟不適用；特選HK$5,000；頭等HK$15,000；每項HK$5,000", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 4, "quote": "19. 運動用品損失保障 5,000 (每項 5,000 ) 15,000 (每項 5,000 )" }, { "item": "寵物緊急寄養及旅程中斷", "limit": "經濟不適用；特選HK$3,000、頭等HK$10,000；寄養每日HK$500，須因旅程延誤或海外住院；寵物旅程中斷50%自負額", "source_url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4", "document_name": "MyTravel 自寫意旅遊保 TMT.B.2026.003（香港）", "page": 4, "quote": "20. 寵物保障 a. 因旅程延誤需緊急寵物寄養 不適用 3,000 (每日500 ) 10,000 (每日500 ) b. 因海外住院需緊急寵物寄養 3,000 (每日500) 10,000 (每日500 ) c. 旅程中斷 (寵物) (50% 自負額) 3,000 10,000" } ], "premium_range": "按年齡、地區、日數及級別查閱保費表／官網報價", "premium_available": false, "premium_notes": "TMT.B.2026.003 第9頁已有70歲或以下及71至80歲分開保費表；金額未包括保費徵費。舊每日價及促銷碼不再沿用。", "key_terms": [ "由保特保險（香港）有限公司承保，富衛金融為保險代理商；只在香港售予香港居民，旅程須由香港出發。", "60日至70歲與71至80歲的醫療及意外保額不同，長者並非同額。", "任何原因取消／更改只適用於頭等計劃，50%自負額及HK$25,000上限；須在旅程首期付款／訂金之日30天內或之前購買，原定出發前取消／更改。", "保障摘要及保費表已核對 TMT.B.2026.003；個別索償仍須符合完整保單條件。" ], "exclusions": [ "既往、先天及遺傳狀況通常不保，但因任何原因取消／更改旅行日期保障列有例外。", "專業運動及極限運動通常不保；向公眾開放且由認可機構提供、合資格導遊指導的活動列有例外。", "戰爭、自傷、違法行為、政府禁制及事前已知高風險目的地等；完整範圍及例外請參閱保單。" ], "source_urls": [ "https://www.fwd.com.hk/online-insurance/mytravel-insurance/", "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/bltade5ad140f8deca1/MyTravel_Insurance_brochure.pdf", "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/bltd4ab5cb7fb241a24/MyTravel_Insurance_Term%26Condition_TC.pdf", "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf" ], "documents_found": [ "MyTravel 自寫意旅遊保小冊子 TMT.B.2026.003", "官方中文保單條款" ], "citations": [ { "claim_field": "key_terms", "claim_summary": "香港銷售／出發限制及主要不保事項（含例外）", "document": "MyTravel TMT.B.2026.003", "page": 4, "quote": "本產品只在香港銷售，亦只供香港居民銷售。它只適用於從香港出發的旅行。", "url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4" }, { "claim_field": "key_terms[2]", "claim_summary": "任何原因取消／更改的30天投保期限及出發前條件", "document": "MyTravel TMT.B.2026.003", "page": 4, "quote": "#如因任何原因取消旅程或更改旅行日期而索償，您的保單必須在您支付旅程首期付款或訂金之日的30天內或之前已購買，並且相關的取消或更改必須在原定 出發時間之前進行。詳情請參閱保單條款、細則及不保事項。", "url": "/docs/brochures/fwd-mytravel-reviewed-20261002.pdf#page=4" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "promo": null, "official_buy_url": "https://bolttechinsurance.hk/", "review_notes": [ "2026-10-02 與原本地小冊子逐頁對照：付款後期限7→30天、71至80歲醫療／意外上限減半、保費表及徵費口徑改變。兩個原有ID保留，均明示同一承保產品與代理關係。" ], "record_status": "unverified", "source_document_version": "TMT.B.2026.003" }, { "id": "medical-aia", "category": "medical", "insurer": "AIA", "insurer_zh": "友邦保險", "product_name": "AIA Voluntary Health Insurance Standard/Flexi Scheme, AIA VHIS Prestige, AIA VHIS SelectWise", "product_name_zh": "AIA自願醫保標準計劃（S00013）／AIA自願醫保靈活計劃（F00022）／AIA自願醫保尊耀計劃（F00074）／AIA自願醫保睿選計劃（F00081）", "plan_tiers": [ "自願醫保標準計劃", "自願醫保靈活計劃（普通房／半私家房／標準私家房）", "自願醫保靈活計劃（尊耀計劃，高端）", "自願醫保靈活計劃（睿選計劃，網絡醫院導向）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00013；靈活計劃認可編號 F00022、F00074、F00081（另 F00025、F00053、F00054 只供現有保單續保）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雜項開支", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主診醫生巡房費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "外科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "麻醉科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術室費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院前及入院前門診護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "日間手術", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明診斷成像檢測", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明非手術癌症治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外急診門診治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "已獲其他法律、政府、僱主或第三方計劃賠償的費用不獲重複賠償", "精神科治療只限香港境內住院", "一般自願醫保不保事項（以保單契約為準）" ], "source_urls": [ "https://www.aia.com.hk/zh-hk/products/health/vhis-flexi", "https://www.aia.com.hk/zh-hk/products/health/vhis-select-wise", "https://www.aia.com.hk/zh-hk/about-aia/about-us/media-centre/press-releases/2024/aia-press-release-20240423", "https://www.vhis.gov.hk/doc/certifiedplan/hfp/F00022/F00022-03-000-03-002-StandardPremium-Bilingual.pdf", "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" ], "documents_found": [ "AIA自願醫保靈活計劃官方產品頁（含標準保費表下載連結）", "AIA自願醫保睿選計劃官方產品頁", "AIA官方新聞稿（2024-04-23，尊耀計劃特點及限額）", "AIA自願醫保靈活計劃標準保費表PDF（經自願醫保計劃官方網站vhis.gov.hk發佈，F00022）" ], "note": "AIA官網產品頁於研究時段無法直接開啟（超時），保費表取自政府自願醫保計劃官方網站（vhis.gov.hk）發佈之認可產品標準保費表PDF；保障限額以AIA官方新聞稿及產品頁摘要為據", "citations": [ { "claim_field": "premium_notes", "claim_summary": "靈活計劃標準私家房0歲男年繳HK$14,548.48、50歲男年繳HK$29,330.56", "document": "AIA自願醫保靈活計劃（AVF）標準私家房—基本計劃標準保費表（港元）（F00022，vhis.gov.hk發佈）", "page": 1, "quote": "0 14,548.48 10,161.44 7,419.76 5,182.32 4,073.60 2,845.20 1,284.64 897.28（實際年齡0；男性／女性年繳保費（港元HKD）…）", "url": "https://www.vhis.gov.hk/doc/certifiedplan/hfp/F00022/F00022-03-000-03-002-StandardPremium-Bilingual.pdf" }, { "claim_field": "premium_notes", "claim_summary": "靈活計劃標準私家房50歲男年繳HK$29,330.56、60歲男年繳HK$47,493.52", "document": "AIA自願醫保靈活計劃（AVF）標準私家房—基本計劃標準保費表（港元）（F00022，vhis.gov.hk發佈）", "page": 2, "quote": "50 29,330.56 31,305.68 14,958.56 15,965.92 …（實際年齡50，男性／女性年繳保費）", "url": "https://www.vhis.gov.hk/doc/certifiedplan/hfp/F00022/F00022-03-000-03-002-StandardPremium-Bilingual.pdf" }, { "claim_field": "coverage", "claim_summary": "尊耀計劃每年保障限額HK$1,200萬、終身HK$6,000萬、主要醫療費用全數賠償", "document": "AIA官方新聞稿「友邦香港及澳門推出三大全方位創新健康方案」（2024年4月23日）", "page": null, "quote": "每年保障限額達1,200萬港元（150萬美元）；終身保障限額達6,000萬港元（750萬美元）(以個人計)；全數賠償主要醫療費用", "url": "https://www.aia.com.hk/zh-hk/about-aia/about-us/media-centre/press-releases/2024/aia-press-release-20240423" }, { "claim_field": "coverage", "claim_summary": "尊耀計劃臨床試驗藥物賠償每保單年度高達HK$50萬", "document": "AIA官方新聞稿「友邦香港及澳門推出三大全方位創新健康方案」（2024年4月23日）", "page": null, "quote": "向受保人提供本地及海外臨床試驗藥物的保障，金額高達每保單年度50萬港元，讓受保人可安心接受最新的癌症治療", "url": "https://www.aia.com.hk/zh-hk/about-aia/about-us/media-centre/press-releases/2024/aia-press-release-20240423" }, { "claim_field": "key_terms", "claim_summary": "尊耀計劃設4個每年自付費選項；75歲或以上患指定癌症可豁免自付費", "document": "AIA官方新聞稿「友邦香港及澳門推出三大全方位創新健康方案」（2024年4月23日）", "page": null, "quote": "因應客戶的個人需求及預算，特設4個每年自付費選擇及全球（美國除外）的非急症治療地域保障範圍選擇…75歲或以上長者若不幸患上指定癌症可獲豁免自付費", "url": "https://www.aia.com.hk/zh-hk/about-aia/about-us/media-centre/press-releases/2024/aia-press-release-20240423" }, { "claim_field": "key_terms", "claim_summary": "靈活計劃保證終身續保、不設每年及終身保障限額", "document": "AIA自願醫保靈活計劃官方產品頁", "page": null, "quote": "保證終身續保　不設每年保障限額及終身保障限額，同時您可每年續保直至終身", "url": "https://www.aia.com.hk/zh-hk/products/health/vhis-flexi" }, { "claim_field": "key_terms", "claim_summary": "保障未知的已有病症由保單生效後第31日開始提供", "document": "AIA自願醫保靈活計劃官方產品頁", "page": null, "quote": "保障未知的已有病症　由保單生效後第31日開始提供", "url": "https://www.aia.com.hk/zh-hk/products/health/vhis-flexi" }, { "claim_field": "premium_notes", "claim_summary": "靈活計劃設無索償折扣（連續3個保單年度無索償享折扣）", "document": "AIA自願醫保靈活計劃官方產品頁", "page": null, "quote": "無索償折扣　如在連續3個保單年度或以上沒有作出賠償，在下一個保單週年日您將可獲得保費折扣", "url": "https://www.aia.com.hk/zh-hk/products/health/vhis-flexi" }, { "claim_field": "exclusions", "claim_summary": "尊耀計劃非急症治療地域保障範圍為全球（美國除外）", "document": "AIA官方新聞稿「友邦香港及澳門推出三大全方位創新健康方案」（2024年4月23日）", "page": null, "quote": "特設4個每年自付費選擇及全球（美國除外）的非急症治療地域保障範圍選擇", "url": "https://www.aia.com.hk/zh-hk/about-aia/about-us/media-centre/press-releases/2024/aia-press-release-20240423" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00013；靈活計劃 F00022、F00025、F00053、F00054、F00074、F00081", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00013；靈活計劃認可編號 F00022、F00025、F00053、F00054、F00074、F00081（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.aia.com.hk/zh-hk/products/health/vhis-flexi", "promo": null, "review_notes": [ "2026-10-02：隔離 23 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "medical-axa", "category": "medical", "insurer": "AXA", "insurer_zh": "安盛", "product_name": "AXA WiseGuard Pro Medical Insurance Plan / AXA WiseGuard Medical Insurance Plan", "product_name_zh": "AXA安盛智尊守慧醫療保障（自願醫保靈活計劃）／AXA安盛守慧醫療保障（自願醫保標準計劃）", "plan_tiers": [ "自願醫保靈活計劃（智尊守慧：標準／卓越／優尚／尊貴保障級別）", "自願醫保標準計劃（守慧醫療）", "真智安心醫療保障（靈活計劃）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00014、S00033、S00038；靈活計劃認可編號 F00017、F00018、F00034" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雜項開支", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主診醫生巡房費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "外科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "麻醉科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術室費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院前及入院前門診護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "日間手術", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明診斷成像檢測", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明非手術癌症治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外急診門診治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "自付費以下之合資格費用不獲賠償" ], "source_urls": [ "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" ], "documents_found": [ "AXA安盛「智尊守慧」醫療保障（自願醫保靈活計劃，認可編號F00034）官方最新保障表及標準保費表", "AXA安盛「守慧」醫療保障（自願醫保標準計劃，認可編號S00014）官方手冊" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "智尊守慧每日保費HKD 9/日起", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "每日保費只需HKD 9/日7起", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "premium_notes", "claim_summary": "提供3個病房級別、3個保障地域範圍及3款每年自付費選項", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "您可選擇不同程度的保障，包括3個病房級別（普通房、半私家房及標準私家房）、3個保障地域範圍以及3款每年自付費。", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "premium_notes", "claim_summary": "智尊守慧標準保費表：30歲（自付費：無）年繳保費HKD 9,357（標準）／13,783（卓越）／16,510（優尚）／20,769（尊貴）", "document": "AXA安盛「智尊守慧」醫療保障（自願醫保靈活計劃）官方最新保障表", "page": 1, "quote": "30 9,357 13,783 16,510 20,769（Age年齡30；Regular標準／Enhance卓越／Premier優尚／Noble尊貴；Annual premium年繳保費，HKD港元，Deductible自付費：無Nil）", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "coverage", "claim_summary": "「標準」級別每年保障限額HK$500萬（普通房）；「卓越」級別HK$2,500萬（半私家房），均不設終身保障限額", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "「標準」保障級別為普通房計劃，每保單年度之每年保障限額為5百萬港元，不設終身保障限額；「卓越」保障級別為半私家病房計劃，每保單年度之每年保障限額為2千5百萬港元，不設終身保障限額。", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "coverage", "claim_summary": "主要項目（病房及膳食費、外科醫生費、麻醉科醫生費、手術室費等）全額支付、不設細項賠償限額", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "「智尊守慧」保障的大部份主要項目均不設細項賠償限額，如病房及膳食費、外科醫生費、麻醉科醫生費及手術室費等，更不設終身保障限額。", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "coverage", "claim_summary": "全額支付訂明非手術癌症治療及門診洗腎", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "「智尊守慧」為您全額支付癌症治療（包括放射性治療（如質子治療）、化療、標靶治療、免疫治療及荷爾蒙治療）及門診洗腎的合資格費用。", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "coverage", "claim_summary": "守慧醫療（標準計劃）每保單年度最高保障HK$420,000、不設終身保障限額", "document": "AXA安盛守慧醫療保障官方產品頁", "page": null, "quote": "「守慧醫療」並不設終身保障限額，而由於細項賠償限額會每年重設，根據您的保單內列明之細項賠償限額，您每保單年度的最高保障限額為420,000港元。", "url": "https://www.axa.com.hk/zh/axa-wiseguard-medical-insurance-plan" }, { "claim_field": "key_terms", "claim_summary": "保證續保至100歲", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "保證續保至100歲—自願醫保計劃保證您可續保至100歲", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "key_terms", "claim_summary": "無需等候期；涵蓋投保時未知悉的已有病症", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "無需等候期—自保單生效起即時為您提供保障　已有病症—是的，我們的保障涵蓋已有病症，即使您在申請時並未知悉患有的疾病，亦會受到保障", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "key_terms", "claim_summary": "守慧醫療投保年齡14天至80歲，保證續保至100歲", "document": "AXA安盛守慧醫療保障官方產品頁", "page": null, "quote": "「守慧醫療」是一項獲認可的自願醫保標準計劃，接受任何年齡介乎14天至80歲的人士投保，並保證續保直至投保人屆滿100歲。", "url": "https://www.axa.com.hk/zh/axa-wiseguard-medical-insurance-plan" }, { "claim_field": "key_terms", "claim_summary": "涵蓋本地精神科住院治療", "document": "AXA安盛守慧醫療保障官方產品頁", "page": null, "quote": "AXA安盛守慧醫療保障涵蓋由專科醫生建議，於住院期間的合資格精神科治療費用。", "url": "https://www.axa.com.hk/zh/axa-wiseguard-medical-insurance-plan" }, { "claim_field": "key_terms", "claim_summary": "每名受保人每年最高HK$8,000稅務扣減", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "稅務扣減—每位受保人最高可享8,000港元的稅務扣減", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "exclusions", "claim_summary": "保障地域為大中華、亞洲或全球（不包括美國）", "document": "AXA安盛智尊守慧醫療保障官方產品頁", "page": null, "quote": "「智尊守慧」提供一系列優越的保障特點，為您在大中華、亞洲或全球(不包括美國)提供周全及靈活的保障。", "url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00014、S00033、S00038；靈活計劃 F00017、F00018、F00034", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00014、S00033、S00038；靈活計劃認可編號 F00017、F00018、F00034（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan", "promo": null, "review_notes": [ "2026-10-02：隔離 23 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "medical-asia-insurance", "category": "medical", "insurer": "Asia Insurance", "insurer_zh": "亞洲保險", "product_name": "Asia Unique - Family Care / Asia Elite", "product_name_zh": "延愛／亞洲尚選", "plan_tiers": [ "自願醫保標準計劃：延愛（認可編號 S00027）", "自願醫保靈活計劃：亞洲尚選（認可編號 F00038；級別：半私家房間／標準私家房間）", "自願醫保靈活計劃：亞洲緻安心（認可編號 F00061；級別：計劃 1／計劃1A + 附加醫療保障／計劃 2／計劃2A + 附加醫療保障／計劃2B + 附加醫療保障）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00027；靈活計劃認可編號 F00038、F00061" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$2,153／女性約 HK$2,921（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$3,180／女 HK$2,631；30歲：男 HK$2,153／女 HK$2,921；50歲：男 HK$4,500／女 HK$5,981；60歲：男 HK$8,099／女 HK$8,253。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00027/S00027-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00027/S00027-01-000-02-StandardPremium-Bilingual.pdf", "https://www.asiainsurance.hk/tc/personal-insurance/medical-insurance" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "延愛 標準計劃保單條款（PlanDoc PDF）", "延愛 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "延愛 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00027/S00027-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$2,153／女性約 HK$2,921", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 2,153；女性 2,921（亞洲保險標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00027；靈活計劃 F00038、F00061", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00027；靈活計劃認可編號 F00038、F00061（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "promo": { "tag": "最新優惠", "note": "保證續保至 100 歲，設靈活自付費與優質私家診所網絡" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "medical-avo", "category": "medical", "insurer": "Avo", "insurer_zh": "安我保險", "product_name": "Avo Voluntary Health Insurance Scheme (Standard) Plan", "product_name_zh": "Avo自願醫保（標準）計劃", "plan_tiers": [ "自願醫保標準計劃：Avo自願醫保（標準）計劃（認可編號 S00043）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00043" ], "coverage": [ { "item": "每年保障限額", "limit": "每保單年度 HK$420,000（標準自願醫保法定限額）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "按手術分類：小型 HK$5,000／中型 HK$12,500／大型 HK$25,000／複雜 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "每保單年度 HK$20,000（30% 共同保險，涵蓋 CT / MRI / PET）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "每保單年度 HK$80,000（涵蓋化療、放射治療、標靶治療、免疫治療、荷爾蒙治療）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$1,620／女性約 HK$2,079（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$2,720／女 HK$2,375；30歲：男 HK$1,620／女 HK$2,079；50歲：男 HK$3,524／女 HK$4,448；60歲：男 HK$5,785／女 HK$7,154。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00043/S00043-01-000-01-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00043/S00043-01-000-01-StandardPremium-Bilingual.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "Avo自願醫保（標準）計劃 標準計劃保單條款（PlanDoc PDF）", "Avo自願醫保（標準）計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "Avo自願醫保（標準）計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00043/S00043-01-000-01-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$1,620／女性約 HK$2,079", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 1,620；女性 2,079（安我保險標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00043；靈活計劃 無", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00043；靈活計劃認可編號 無（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.heyavo.com/zh-hk/products/vhis", "promo": { "tag": "最新優惠", "note": "純線上無佣金，超透明標準費率，投保享迎新優惠", "buy_url": "https://www.heyavo.com/zh-hk/products/vhis" } }, { "id": "medical-boc-group-insurance", "category": "medical", "insurer": "BOC Group Insurance", "insurer_zh": "中銀集團保險", "product_name": "BOC Standard Voluntary Health Insurance Scheme Certified Plan / BOC Flexi Voluntary Health Insurance Scheme Certified Plan", "product_name_zh": "中銀標準自願醫保計劃認可產品／中銀靈活自願醫保計劃認可產品", "plan_tiers": [ "自願醫保標準計劃：中銀標準自願醫保計劃認可產品（認可編號 S00035）", "自願醫保靈活計劃：中銀靈活自願醫保計劃認可產品（認可編號 F00028；級別：基本計劃／基本計劃+升級保障1／基本計劃+升級保障2／基本計劃+升級保障3／基本計劃+附加重症住院保障／基本計劃+附加重症住院保障+升級保障1…）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00035；靈活計劃認可編號 F00028" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$2,323／女性約 HK$2,928（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$3,648／女 HK$2,793；30歲：男 HK$2,323／女 HK$2,928；50歲：男 HK$5,317／女 HK$6,515；60歲：男 HK$9,188／女 HK$8,855。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00035/S00035-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00035/S00035-01-000-02-StandardPremium-Bilingual.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "中銀標準自願醫保計劃認可產品 標準計劃保單條款（PlanDoc PDF）", "中銀標準自願醫保計劃認可產品 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "中銀標準自願醫保計劃認可產品 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00035/S00035-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$2,323／女性約 HK$2,928", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 2,323；女性 2,928（中銀集團保險標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00035；靈活計劃 F00028", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00035；靈活計劃認可編號 F00028（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.bocgins.com/index.html?target=vhis", "promo": { "tag": "最新優惠", "note": "中銀信用卡/手機銀行投保享保費折減，全家投保再折", "buy_url": "https://www.bocgins.com/index.html?target=vhis" } }, { "id": "medical-boc-life", "category": "medical", "insurer": "BOC Life", "insurer_zh": "中銀人壽", "product_name": "BOC Life Standard VHIS / BOC Life FlexiGuard VHIS", "product_name_zh": "中銀人壽標準自願醫保／非凡守護靈活自願醫保，由中銀集團人壽保險有限公司承保", "plan_tiers": [ "自願醫保標準計劃（中銀人壽標準自願醫保）", "自願醫保靈活計劃（非凡守護靈活自願醫保，高端）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00022；靈活計劃認可編號 F00057" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃 HK$420,000；非凡守護靈活自願醫保每年高達 HK$8,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "標準計劃與非凡守護靈活計劃均不設終身保障限額（無上限賠償）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750；非凡守護半私家房或標準私家房全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "主要醫療費用（住院及手術）", "limit": "標準計劃按手術表賠償；非凡守護手術費、巡房費及雜費無分項上限全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "第(a)-(h)項主要住院及手術費用實報實銷" }, { "item": "雜項開支", "limit": "標準計劃每年 HK$14,000；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "標準計劃每日 HK$750；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "標準計劃每年 HK$4,300；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準小型HK$5,000至複雜HK$50,000；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "標準外科35%最高HK$17,500；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "標準外科35%最高HK$17,500；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "標準每日 HK$3,500；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "標準每次 HK$580；非凡守護出院後專科門診及物理治療全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照手術表最高 HK$50,000；非凡守護全數賠償兼享日間手術現金保障", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準每年 HK$20,000（30%共同保險）；非凡守護實報實銷全數賠償（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準每年 HK$80,000；非凡守護化療、放療、標靶治療全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "標準每年 HK$86,000；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "標準每年 HK$30,000；非凡守護全數賠償或高達 HK$40,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "標準每年 HK$10,000；非凡守護全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "標準每日 HK$600；非凡守護每日高達 HK$1,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "標準 HK$10,000；非凡守護高達 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "全球出院免找數直付", "limit": "中銀人壽醫療網絡直付及指定私家醫院免找數服務", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "保險公司指定私家醫院網絡直付與出院免找數服務" }, { "item": "自付費（墊底費）選項", "limit": "設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 / HK$80,000 自選自付費", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" } ], "premium_range": "標準保費按年齡及自付費級別釐訂，30歲男性標準計劃年繳約HK$2,707（月繳約HK$235.5）；非凡守護設HK$0/10,000/30,000/70,000自付費靈活選項；詳情以官方最新保費表為準", "premium_available": true, "premium_notes": "非凡守護設自付費靈活選擇以配合不同預算；標準自願醫保可享無索償保費折扣；中銀香港分行及「保險在線」渠道投保", "key_terms": [ "標準計劃保證續保至100歲；非凡守護保證終身續保", "保障未知的投保前已有病症及先天性疾病", "合符稅務扣減：每名受保人每年最多HK$8,000扣稅額", "21日冷靜期（自願醫保標準要求）", "網上理賠服務" ], "exclusions": [ "非凡守護保障地域不包括美國（在美國招致的費用詳見產品文件）", "一般自願醫保不保事項（以保單條款為準）" ], "source_urls": [ "https://www.boclife.com.hk/tc/product/smartviva-flexi-vhis.html", "https://www.vhis.gov.hk" ], "documents_found": [ "中銀人壽官方產品頁：「非凡守護靈活自願醫保計劃」（SmartViva Flexi VHIS Plan，boclife.com.hk）", "中銀人壽標準自願醫保計劃認可產品規格（S00022）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "非凡守護每年保障限額高達HK$3,300萬、主要住院及手術費用全數賠償、不設終身保障限額", "document": "中銀人壽官方新聞稿「中銀香港與中銀人壽推出『非凡守護靈活自願醫保』提供高達港幣3,300萬元醫療保障」", "page": null, "quote": "就主要住院及手術費用提供全數賠償，並不設分項賠償限額，賠償額高達每保單年度港幣3,300萬元及不設終身保障限額", "url": "https://www.boclife.com.hk/sc/news/bochk-and-boc-life-launch-vhis-plan-offering-up-to-hkd33-million-medical-protection.html" }, { "claim_field": "coverage", "claim_summary": "非凡守護保障地域為全球（任何地方但不包括美國）", "document": "中銀人壽官方新聞稿「中銀香港與中銀人壽推出『非凡守護靈活自願醫保』提供高達港幣3,300萬元醫療保障」", "page": null, "quote": "此計劃涵蓋全球醫療保障（任何地方但不包括美國）", "url": "https://www.boclife.com.hk/sc/news/bochk-and-boc-life-launch-vhis-plan-offering-up-to-hkd33-million-medical-protection.html" }, { "claim_field": "coverage", "claim_summary": "非凡守護每保單年度免費身體檢查、健康支援大使服務、情緒解碼熱線", "document": "中銀人壽官方新聞稿「中銀香港與中銀人壽推出『非凡守護靈活自願醫保』提供高達港幣3,300萬元醫療保障」", "page": null, "quote": "此計劃於每個保單年度均提供免費身體檢查並特設「健康支援大使服務」及「情緒解碼熱線」等額外貼心服務", "url": "https://www.boclife.com.hk/sc/news/bochk-and-boc-life-launch-vhis-plan-offering-up-to-hkd33-million-medical-protection.html" }, { "claim_field": "premium_range", "claim_summary": "非凡守護提供多種自付費選項配合預算，標準計劃則享無索償折扣優惠", "document": "中銀人壽官方新聞稿「中銀香港與中銀人壽推出『非凡守護靈活自願醫保』提供高達港幣3,300萬元醫療保障」", "page": null, "quote": "此計劃設有不同自付費選項，包括港幣0元、港幣10,000元、港幣30,000元及港幣70,000元，配合不同人士的需要及預算。", "url": "https://www.boclife.com.hk/sc/news/bochk-and-boc-life-launch-vhis-plan-offering-up-to-hkd33-million-medical-protection.html" }, { "claim_field": "premium_range", "claim_summary": "中銀人壽標準自願醫保標準保費表：30歲男性非吸煙年繳HK$2,707／月繳HK$235.51", "document": "中銀人壽標準自願醫保標準保費表（S00022，vhis.gov.hk發佈）", "page": 1, "quote": "30 2,707.00 2,978.00 3,260.00 3,586.00 1,380.57 1,518.78 1,662.60 1,828.86 703.82 774.28 847.60 932.36 235.51 259.09 283.62 311.98（BOC Life Standard VHIS 中銀人壽標準自願醫保；年繳Annual…月繳Monthly）", "url": "https://www.vhis.gov.hk/doc/certifiedplan/hsp/S00022/S00022-01-000-01-001-StandardPremium-Bilingual.pdf" }, { "claim_field": "key_terms", "claim_summary": "每名受保人每年最多HK$8,000扣稅額", "document": "中銀人壽官方新聞稿「中銀香港與中銀人壽推出『非凡守護靈活自願醫保』提供高達港幣3,300萬元醫療保障」", "page": null, "quote": "成功投保的客戶可就每名受保人申請最多港幣8,000元的扣稅額。", "url": "https://www.boclife.com.hk/sc/news/bochk-and-boc-life-launch-vhis-plan-offering-up-to-hkd33-million-medical-protection.html" }, { "claim_field": "premium_notes", "claim_summary": "非凡守護設自付費靈活選擇以配合不同預算", "document": "中銀人壽官方新聞稿「中銀香港與中銀人壽推出『非凡守護靈活自願醫保』提供高達港幣3,300萬元醫療保障」", "page": null, "quote": "不但可申請稅務扣減，更備有自付費的靈活選擇，以配合客戶不同的預算。", "url": "https://www.boclife.com.hk/sc/news/bochk-and-boc-life-launch-vhis-plan-offering-up-to-hkd33-million-medical-protection.html" }, { "claim_field": "exclusions", "claim_summary": "非凡守護保障地域不包括美國", "document": "中銀人壽官方新聞稿「中銀香港與中銀人壽推出『非凡守護靈活自願醫保』提供高達港幣3,300萬元醫療保障」", "page": null, "quote": "本計劃保障地域範圍包括任何地方但不包括美國，有關以上計劃詳情（包括但不限於對於在美國所招致的合資格費用及其他費用…除外事項…），詳情請參閱相關之產品銷售文件、保單條款、產品小冊子及宣傳單張。", "url": "https://www.boclife.com.hk/sc/news/bochk-and-boc-life-launch-vhis-plan-offering-up-to-hkd33-million-medical-protection.html" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00022；靈活計劃 F00057", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00022；靈活計劃認可編號 F00057（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.boclife.com.hk/tc/product/smartviva-flexi-vhis.html", "promo": { "tag": "最新優惠", "note": "特設無索償保費折扣及家庭投保專屬回贈，兼享扣稅優惠", "buy_url": "https://www.boclife.com.hk/tc/product/smartviva-flexi-vhis.html" } }, { "id": "medical-blue-cross", "category": "medical", "insurer": "Blue Cross", "insurer_zh": "藍十字", "product_name": "CareForYou Standard Plan for VHIS / CareForYou Flexi Plan for VHIS", "product_name_zh": "「只衛您」標準自願醫保計劃／「只衛您」靈活自願醫保計劃", "plan_tiers": [ "自願醫保標準計劃：「只衛您」標準自願醫保計劃（認可編號 S00032）", "自願醫保靈活計劃：「只衛您」靈活自願醫保計劃（只供現有保單續保）（認可編號 F00014；級別：「只衛您」）", "自願醫保靈活計劃：「只衛您」超卓靈活自願醫保計劃（認可編號 F00043；級別：計劃A／計劃 A+額外醫療保障（不設共同保險）／計劃 A+額外醫療保障（設20%共同保險）／計劃B／計劃 B+額外醫療保障（不設共同保險）／計劃 B+額外醫療保障（設20%共同保險）…）", "自願醫保靈活計劃：藍十字尊悅自願醫保計劃（認可編號 F00059；級別：0港元自付費 (亞洲及澳紐)／20,000 港元自付費 (亞洲及澳紐)／40,000 港元自付費 (亞洲及澳紐)／80,000 港元自付費 (亞洲及澳紐)／0港元自付費 (全球)／20,000 港元自付費 (全球)…）", "自願醫保靈活計劃：藍十字「愛自己」自願醫保計劃（認可編號 F00073；級別：0港元自付費 (亞洲及澳紐)／20,000 港元自付費 (亞洲及澳紐)／40,000 港元自付費 (亞洲及澳紐)／80,000 港元自付費 (亞洲及澳紐)／0港元自付費 (全球)／20,000 港元自付費 (全球)…）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00032；靈活計劃認可編號 F00043、F00059、F00073（另 F00014 只供現有保單續保）" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$3,469／女性約 HK$3,657（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$5,554／女 HK$3,896；30歲：男 HK$3,469／女 HK$3,657；50歲：男 HK$7,718／女 HK$8,488；60歲：男 HK$13,595／女 HK$13,595。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00032/S00032-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00032/S00032-01-000-02-StandardPremium-Bilingual.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "「只衛您」標準自願醫保計劃 標準計劃保單條款（PlanDoc PDF）", "「只衛您」標準自願醫保計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "「只衛您」標準自願醫保計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00032/S00032-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$3,469／女性約 HK$3,657", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 3,469；女性 3,657（藍十字標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00032；靈活計劃 F00014、F00043、F00059、F00073", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00032；靈活計劃認可編號 F00014、F00043、F00059、F00073（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.bluecross.com.hk/ch/VHIS/Information", "promo": { "tag": "最新優惠", "note": "網上投保專享限時折扣；門診手術免找數出院服務", "buy_url": "https://www.bluecross.com.hk/ch/VHIS/Information" } }, { "id": "medical-bowtie", "category": "medical", "insurer": "Bowtie", "insurer_zh": "保泰人壽", "product_name": "Bowtie VHIS (Standard Plan / Flexi Plan Basic & Upgrade / Bowtie Pink)", "product_name_zh": "Bowtie 自願醫保（標準計劃／靈活計劃（基本及升級）／Bowtie Pink 自願醫保計劃）", "plan_tiers": [ "自願醫保標準計劃", "自願醫保靈活計劃（基本）", "自願醫保靈活計劃（升級）", "Bowtie Pink（高端靈活計劃，普通房/半私家房/私家房）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00023；靈活計劃認可編號 F00031、F00060" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雜項開支", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主診醫生巡房費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "外科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "麻醉科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術室費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院前及入院前門診護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "日間手術", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明診斷成像檢測", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明非手術癌症治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外急診門診治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "Bowtie Pink 設 HK$8萬等墊底費，墊底費以下開支不獲賠償" ], "source_urls": [ "https://www.bowtie.com.hk/blog/zh/learn/%E8%87%AA%E9%A1%98%E9%86%AB%E4%BF%9D-%E4%BF%9D%E8%B2%BB/", "https://www.bowtie.com.hk/blog/zh/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/bowtie-%E8%87%AA%E9%A1%98%E9%86%AB%E4%BF%9D-%E4%BF%9D%E8%B2%BB%E8%A1%A8/", "https://assets.bowtie.com.hk/5ee7a33b5edf8fb0bcb51fdd/65f40ee352870aeb3eb1e909_VHIS_Standard_Flexi_%20Brochure_Dec_2024_low.pdf", "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" ], "documents_found": [ "Bowtie 自願醫保標準計劃及靈活計劃產品冊子 PDF（2024年12月版）", "Bowtie 官方網站自願醫保保費表（0至120歲，標準/靈活/Pink）", "Bowtie 官方網誌自願醫保保費說明頁" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃年度保障限額HK$420,000（靈活基本$600,000、靈活升級$1,000,000）", "document": "Bowtie自願醫保標準計劃及靈活計劃產品冊子（2024年12月版）", "page": 14, "quote": "年度保障限額 $420,000（標準計劃）$600,000（靈活計劃-基本）$1,000,000（靈活計劃-升級）；終身保障限額 不適用", "url": "https://assets.bowtie.com.hk/5ee7a33b5edf8fb0bcb51fdd/65f40ee352870aeb3eb1e909_VHIS_Standard_Flexi_%20Brochure_Dec_2024_low.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃30歲非吸煙男性HK$138/月、女性HK$175/月（0歲男HK$146/月）", "document": "保泰自願醫保-標準計劃 標準保費表（港元）（S00023，vhis.gov.hk發佈）", "page": 1, "quote": "保泰自願醫保 - 標準計劃 Bowtie VHIS Standard 標準保費表 Standard Premium Schedule - 港元 HKD…月繳 Monthly…（實際年齡30）138.00 161.00 175.00 204.00（男性非吸煙／男性吸煙／女性非吸煙／女性吸煙）；（實際年齡0）146.00 146.00 155.00 155.00", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00023/S00023-01-000-03-StandardPremium-Bilingual.pdf" }, { "claim_field": "premium_range", "claim_summary": "靈活計劃（升級）30歲非吸煙男HK$453/月、女HK$589/月；Bowtie Pink（$8萬自付費）30歲普通房HK$213/月、半私家房HK$312/月、私家房HK$580/月", "document": "Bowtie官方網誌「【Bowtie自願醫保保費表】一文睇晒0至120歲價錢」", "page": null, "quote": "Bowtie Pink（普通房）保費表（$8萬自付費）：30｜213；Bowtie Pink（半私家房）保費表（$8萬自付費）：30｜312；Bowtie Pink（私家房）保費表（$8萬自付費）：30｜580；Bowtie靈活計劃（升級）保費表：30｜453｜534｜589｜692（男非吸煙／男吸煙／女非吸煙／女吸煙）", "url": "https://www.bowtie.com.hk/blog/zh/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/bowtie-%E8%87%AA%E9%A1%98%E9%86%AB%E4%BF%9D-%E4%BF%9D%E8%B2%BB%E8%A1%A8/" }, { "claim_field": "key_terms", "claim_summary": "標準計劃保證續保至100歲（靈活計劃保證每年續保至終身）", "document": "Bowtie自願醫保標準計劃及靈活計劃產品冊子（2024年12月版）", "page": 13, "quote": "保障年期 標準計劃：保證每年續保至100歲　靈活計劃：保證每年續保至終身", "url": "https://assets.bowtie.com.hk/5ee7a33b5edf8fb0bcb51fdd/65f40ee352870aeb3eb1e909_VHIS_Standard_Flexi_%20Brochure_Dec_2024_low.pdf" }, { "claim_field": "key_terms", "claim_summary": "涵蓋投保時未知的已有病症，遞增賠償：第二年25%、第三年50%、第四年起100%", "document": "Bowtie自願醫保標準計劃及靈活計劃產品冊子（2024年12月版）", "page": 25, "quote": "標準計劃　保單年度 賠償比率　首個保單年度 沒有保障　第二個保單年度 按保障限額賠償百分之二十五　第三個保單年度 按保障限額賠償百分之五十　第四個保單年度起 按保障限額全數賠償", "url": "https://assets.bowtie.com.hk/5ee7a33b5edf8fb0bcb51fdd/65f40ee352870aeb3eb1e909_VHIS_Standard_Flexi_%20Brochure_Dec_2024_low.pdf" }, { "claim_field": "key_terms", "claim_summary": "21日冷靜期（於冷靜期內取消保單可獲發還全數已付保費）", "document": "Bowtie自願醫保標準計劃及靈活計劃產品冊子（2024年12月版）", "page": 13, "quote": "冷靜期 21日（於冷靜期內取消保單可獲發還全數已付保費）", "url": "https://assets.bowtie.com.hk/5ee7a33b5edf8fb0bcb51fdd/65f40ee352870aeb3eb1e909_VHIS_Standard_Flexi_%20Brochure_Dec_2024_low.pdf" }, { "claim_field": "key_terms", "claim_summary": "每名受保人每課稅年度可享高達HK$8,000稅務扣減", "document": "Bowtie自願醫保標準計劃及靈活計劃產品冊子（2024年12月版）", "page": 8, "quote": "產品的保費，每個課稅年度可就每名受保人獲最高$8,000保費扣除額。", "url": "https://assets.bowtie.com.hk/5ee7a33b5edf8fb0bcb51fdd/65f40ee352870aeb3eb1e909_VHIS_Standard_Flexi_%20Brochure_Dec_2024_low.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般自願醫保不保事項：非醫療所需治療等不獲賠償", "document": "Bowtie自願醫保標準計劃及靈活計劃產品冊子（2024年12月版）", "page": 23, "quote": "主要不保事項　按本計劃，保泰不會賠償與下列項目相關或由其引致的費用：任何非醫療所需治療、治療程序、藥物、檢測或服務；純粹為接受診斷程序或專職醫療服務的住院…", "url": "https://assets.bowtie.com.hk/5ee7a33b5edf8fb0bcb51fdd/65f40ee352870aeb3eb1e909_VHIS_Standard_Flexi_%20Brochure_Dec_2024_low.pdf" }, { "claim_field": "exclusions", "claim_summary": "靈活計劃投保前未知的已有病症設首180日等候期", "document": "Bowtie自願醫保標準計劃及靈活計劃產品冊子（2024年12月版）", "page": 24, "quote": "靈活計劃　項目 等候期…投保前未知的已有病症 保單生效日起計的首180日", "url": "https://assets.bowtie.com.hk/5ee7a33b5edf8fb0bcb51fdd/65f40ee352870aeb3eb1e909_VHIS_Standard_Flexi_%20Brochure_Dec_2024_low.pdf" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00023；靈活計劃 F00031、F00060", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00023；靈活計劃認可編號 F00031、F00060（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.bowtie.com.hk/zh/insurance/vhis", "promo": null, "review_notes": [ "2026-10-02：隔離 23 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "medical-bupa", "category": "medical", "insurer": "Bupa", "insurer_zh": "保柏", "product_name": "Bupa Hero VHIS Plan / Bupa Flexi VHIS / Bupa VHIS Standard Plan / Bupa Global Prestige VHIS", "product_name_zh": "Bupa Hero 保柏非凡自願醫保計劃（靈活計劃，認可編號F00040）／保柏靈活配自願醫保計劃（靈活計劃）／保柏自願醫保計劃（標準計劃）／環球優越自願醫保計劃（靈活計劃）", "plan_tiers": [ "自願醫保標準計劃", "自願醫保靈活計劃（靈活配）", "自願醫保靈活計劃（Bupa Hero 非凡：精選/倍精選/智選/倍智選/尊尚/倍尊尚6大計劃）", "自願醫保靈活計劃（環球優越，高端）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00020；靈活計劃認可編號 F00029、F00040（另 F00035 只供現有保單續保）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雜項開支", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主診醫生巡房費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "外科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "麻醉科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術室費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院前及入院前門診護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "日間手術", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明診斷成像檢測", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明非手術癌症治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外急診門診治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "自付費不適用於身體檢查保障及自選保障", "家庭折扣不適用於精選及倍精選計劃", "一般自願醫保不保事項（以保單合約為準）" ], "source_urls": [ "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/voluntary-health-insurance-schemes-comparison-2026/", "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/", "https://www.bupa.com.hk/tc/medical-insurance/vhis-faq/", "https://www.bupa.com.hk/tc/about-vhis/hero-policy/", "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" ], "documents_found": [ "Bupa 官方自願醫保計劃比較頁（2026，含三計劃保費及保障限額）", "Bupa 官方自願醫保常見問題頁", "Bupa Hero 保單及保障資料官方頁（含認可產品編號F00040各子編號）", "Bupa Hero（智選）標準保費表文件（含產科附加保費及家庭折扣）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "Bupa Hero保費低至HK$139/月；靈活配低至HK$300/月；標準計劃低至HK$174/月（以18歲人士年繳模式計算）", "document": "Bupa官方「自願醫保計劃比較2026」頁", "page": null, "quote": "保費（每月）：保費低至 HK$139^/月（保柏非凡自願醫保計劃）｜保費低至 HK$300^/月（保柏靈活配自願醫保計劃）｜保費低至 HK$174^/月（保柏自願醫保計劃）；^以一名18歲人士以年繳模式投保作計算。實際保費因投保人年齡而異。", "url": "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/voluntary-health-insurance-schemes-comparison-2026/" }, { "claim_field": "premium_range", "claim_summary": "Bupa Hero（智選，HK$0自付費）標準保費表：18歲年繳HK$12,225／月繳HK$1,100", "document": "保柏非凡自願醫保計劃 Bupa Hero VHIS Plan 智選（0港元自付費）標準保費表（港元）（F00040-01，vhis.gov.hk發佈，生效日期2026年3月2日）", "page": 1, "quote": "12,225.00 18（年繳 Annual）…1,100.00 18（月繳 Monthly）；生效日期（日/月/年）Effective Date：2/3/2026", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00040/F00040-01-000-05-StandardPremium-Bilingual.pdf" }, { "claim_field": "coverage", "claim_summary": "Bupa Hero每年保障限額高達HK$4,000萬、全數賠償合資格醫療費用", "document": "Bupa官方「自願醫保計劃比較2026」頁", "page": null, "quote": "保障限額：高達每年港幣 $4,000萬（保柏非凡自願醫保計劃）；全數賠償合資格醫療費用：是", "url": "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/voluntary-health-insurance-schemes-comparison-2026/" }, { "claim_field": "coverage", "claim_summary": "靈活配計劃可自選升級保障，每年合共高達HK$171萬全數賠償", "document": "Bupa官方「自願醫保計劃比較2026」頁", "page": null, "quote": "可自選每年合共高達港幣$171萬全數賠償及附加醫療保障（保柏靈活配自願醫保計劃）", "url": "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/voluntary-health-insurance-schemes-comparison-2026/" }, { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額高達HK$420,000", "document": "Bupa官方「自願醫保計劃比較2026」頁", "page": null, "quote": "每年保障限額高達港幣$42萬的自願醫保標準計劃（保柏自願醫保計劃）", "url": "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/voluntary-health-insurance-schemes-comparison-2026/" }, { "claim_field": "coverage", "claim_summary": "自選保障：Hero設危疾附加保障、門診、產科、牙科及視力；靈活配設升級保障、門診、產科、牙科", "document": "Bupa官方「自願醫保計劃比較2026」頁", "page": null, "quote": "自選保障項目：危疾附加保障，門診，產科，牙科及視力（Bupa Hero）｜升級保障（包括全數賠償及附加醫療保障），門診，產科，牙科（靈活配）", "url": "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/voluntary-health-insurance-schemes-comparison-2026/" }, { "claim_field": "key_terms", "claim_summary": "21日冷靜期，期間可取消保單並全額退還已付保費", "document": "Bupa官方「自願醫保計劃比較2026」頁", "page": null, "quote": "…設有21日冷靜期，在此期間可以隨時取消保單並全額退還已付保費。", "url": "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/voluntary-health-insurance-schemes-comparison-2026/" }, { "claim_field": "exclusions", "claim_summary": "全數賠償受保單之一般不保事項約束", "document": "Bupa官方「自願醫保計劃比較2026」頁", "page": null, "quote": "*受保單之一般不保事項約束。", "url": "https://www.bupa.com.hk/tc/medical-insurance/vhis-info/voluntary-health-insurance-schemes-comparison-2026/" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00020；靈活計劃 F00029、F00035、F00040", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00020；靈活計劃認可編號 F00029、F00035、F00040（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.bupa.com.hk/tc/individuals/medical-schemes/hero-vhis-plan/", "promo": null, "review_notes": [ "2026-10-02：隔離 23 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "medical-china-life-overseas", "category": "medical", "insurer": "China Life (Overseas)", "insurer_zh": "中國人壽（海外）", "product_name": "Guard Your Health Medical Insurance Plan / Healthy Life Medical Insurance Plan", "product_name_zh": "衛您健康醫療保險計劃／健康常伴醫療保險計劃", "plan_tiers": [ "自願醫保標準計劃：衛您健康醫療保險計劃（認可編號 S00021）", "自願醫保靈活計劃：健康常伴醫療保險計劃（認可編號 F00024；級別：健康常伴醫療保險計劃）", "自願醫保靈活計劃：健康常伴優越醫療保險計劃（認可編號 F00030；級別：半私家病房／半私家病房連附加保障／私家病房／私家病房連附加保障）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00021；靈活計劃認可編號 F00024、F00030" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$1,949／女性約 HK$2,462（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$2,650／女 HK$1,950；30歲：男 HK$1,949／女 HK$2,462；50歲：男 HK$3,739／女 HK$4,571；60歲：男 HK$6,334／女 HK$6,104。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00021/S00021-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00021/S00021-01-000-02-StandardPremium-Bilingual.pdf", "https://www.chinalife.com.hk/zh-hk/products/insurance/medical-protection" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "衛您健康醫療保險計劃 標準計劃保單條款（PlanDoc PDF）", "衛您健康醫療保險計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "衛您健康醫療保險計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00021/S00021-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$1,949／女性約 HK$2,462", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 1,949；女性 2,462（中國人壽（海外）標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00021；靈活計劃 F00024、F00030", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00021；靈活計劃認可編號 F00024、F00030（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "promo": { "tag": "最新優惠", "note": "大灣區跨境綠色就醫通道支援，指定醫院出院直付免找數" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "medical-china-taiping", "category": "medical", "insurer": "China Taiping", "insurer_zh": "中國太平", "product_name": "Taiping Voluntary Health Insurance Scheme Standard Plan", "product_name_zh": "太平自願醫療標準保險計劃", "plan_tiers": [ "自願醫保標準計劃：太平自願醫療標準保險計劃（認可編號 S00016）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00016" ], "coverage": [ { "item": "每年保障限額", "limit": "每保單年度 HK$420,000（標準自願醫保法定限額）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "按手術分類：小型 HK$5,000／中型 HK$12,500／大型 HK$25,000／複雜 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "每保單年度 HK$20,000（30% 共同保險，涵蓋 CT / MRI / PET）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "每保單年度 HK$80,000（涵蓋化療、放射治療、標靶治療、免疫治療、荷爾蒙治療）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$2,666／女性約 HK$3,896（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$4,311／女 HK$4,009；30歲：男 HK$2,666／女 HK$3,896；50歲：男 HK$5,788／女 HK$7,074；60歲：男 HK$10,489／女 HK$10,022。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00016/S00016-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00016/S00016-01-000-02-StandardPremium-Bilingual.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "太平自願醫療標準保險計劃 標準計劃保單條款（PlanDoc PDF）", "太平自願醫療標準保險計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "太平自願醫療標準保險計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00016/S00016-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$2,666／女性約 HK$3,896", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 2,666；女性 3,896（中國太平標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00016；靈活計劃 無", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00016；靈活計劃認可編號 無（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.hk.cntaiping.com/product/110860.html", "promo": { "tag": "最新優惠", "note": "保證續保至 100 歲，每年 42.4 萬保障額，官方商城享優惠", "buy_url": "https://www.hk.cntaiping.com/product/110860.html" } }, { "id": "medical-china-taiping-life", "category": "medical", "insurer": "China Taiping Life", "insurer_zh": "中國太平人壽（香港）", "product_name": "Taiping Life VHIS Standard Plan / Taiping Life VHIS Flexi Plan", "product_name_zh": "太平人壽自願醫保標準計劃／太平人壽自願醫保靈活計劃", "plan_tiers": [ "自願醫保標準計劃：太平人壽自願醫保標準計劃（認可編號 S00039）", "自願醫保靈活計劃：太平人壽自願醫保靈活計劃（認可編號 F00052；級別：計劃1 - 普通房連超額醫療保障／計劃2 - 半私家房／計劃3 - 半私家房連超額醫療保障／計劃4 - 標準私家房／計劃5 - 標準私家房連超額醫療保障）", "自願醫保靈活計劃：太平人壽自願醫保優遇計劃（認可編號 F00062；級別：0 港元自付費／20,000 港元自付費／50,000 港元自付費／0 美元自付費／2,500 美元自付費／6,250 美元自付費）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00039；靈活計劃認可編號 F00052、F00062" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$2,274／女性約 HK$2,867（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$4,597／女 HK$3,520；30歲：男 HK$2,274／女 HK$2,867；50歲：男 HK$5,153／女 HK$6,315；60歲：男 HK$8,906／女 HK$8,583。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單 / 附加契約", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00039/S00039-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00039/S00039-01-000-02-StandardPremium-Bilingual.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "太平人壽自願醫保標準計劃 標準計劃保單條款（PlanDoc PDF）", "太平人壽自願醫保標準計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "太平人壽自願醫保標準計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00039/S00039-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$2,274／女性約 HK$2,867", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 2,274；女性 2,867（中國太平人壽（香港）標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00039；靈活計劃 F00052、F00062", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00039；靈活計劃認可編號 F00052、F00062（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://life.hk.cntaiping.com/product/vhis/", "promo": { "tag": "最新優惠", "note": "特設癌症預防及重疾綠通服務，尊享首年保費折扣優惠", "buy_url": "https://life.hk.cntaiping.com/product/vhis/" } }, { "id": "medical-chow-tai-fook-life", "category": "medical", "insurer": "Chow Tai Fook Life", "insurer_zh": "周大福人壽", "product_name": "''WiseCare'' Medical Insurance Plan / ''BetterCare'' Medical Insurance Plan", "product_name_zh": "「卓康保」醫療保障計劃／「樂康保」醫療保障計劃", "plan_tiers": [ "自願醫保標準計劃：「卓康保」醫療保障計劃（認可編號 S00028）", "自願醫保靈活計劃：「樂康保」醫療保障計劃（只供現有保單續保）（認可編號 F00021；級別：保障級別 1+超額醫療保障 (港元)／保障級別 2+超額醫療保障 (港元)／保障級別 3+超額醫療保障 (港元)／保障級別 1+超額醫療保障 (美元)／保障級別 2+超額醫療保障 (美元)／保障級別 3+超額醫療保障 (美元)）", "自願醫保靈活計劃：「摯康保」醫療保障計劃（認可編號 F00037；級別：保障級別 1+超額醫療保障 (港元)／保障級別 2+超額醫療保障 (港元)／保障級別 3+超額醫療保障 (港元)／保障級別 4+超額醫療保障 (港元)／保障級別 1+超額醫療保障 (美元)／保障級別 2+超額醫療保障 (美元)…）", "自願醫保靈活計劃：「悅康保」醫療保障計劃（認可編號 F00064；級別：保障級別1 (港元)／保障級別2 (港元)／保障級別1 (美元)／保障級別2 (美元)）", "自願醫保靈活計劃：「逸康保」醫療保障計劃（認可編號 F00077；級別：保障級別 1 - 亞洲 (自付費36,000港元 + 保障分擔額36,000港元)／保障級別 2 - 亞洲 (自付費18,000港元 + 保障分擔額18,000港元)／保障級別 3 - 亞洲 (自付費0港元 + 保障分擔額0港元)／保障級別 4 - 全球(不包括美國) (自付費18,000港元 + 保障分擔額18,000港元)／保障級別 5 - 全球(不包括美國) (自付費0港元 + 保障分擔額0港元)／保障級別 6 - 全球 (自付費18,000港元 + 保障分擔額18,000港元)…）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00028；靈活計劃認可編號 F00037、F00064、F00077（另 F00021 只供現有保單續保）" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$2,598／女性約 HK$3,137（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$3,259／女 HK$2,263；30歲：男 HK$2,598／女 HK$3,137；50歲：男 HK$5,103／女 HK$5,678；60歲：男 HK$8,588／女 HK$7,274。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單 / 附加契約", "新單投保年齡：0-64；65-70；71-75；76-99", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00028/S00028-01-000-03-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00028/S00028-01-000-03-StandardPremium-Bilingual.pdf", "https://www.ctflife.com.hk/tc/products/health-protection/vhis/" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "「卓康保」醫療保障計劃 標準計劃保單條款（PlanDoc PDF）", "「卓康保」醫療保障計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "「卓康保」醫療保障計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00028/S00028-01-000-03-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$2,598／女性約 HK$3,137", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 2,598；女性 3,137（周大福人壽標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00028；靈活計劃 F00021、F00037、F00064、F00077", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00028；靈活計劃認可編號 F00021、F00037、F00064、F00077（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "promo": { "tag": "最新優惠", "note": "前富通人壽升級品牌，享家庭同行折扣及終身保證續保" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "medical-chubb-life", "category": "medical", "insurer": "Chubb Life", "insurer_zh": "安達人壽保險香港", "product_name": "Chubb VHIS - Standard Plan / Chubb VHIS - Flexi Plan", "product_name_zh": "安達自願醫保（標準）計劃／安達自願醫保（靈活）計劃", "plan_tiers": [ "自願醫保標準計劃：安達自願醫保（標準）計劃（認可編號 S00044）", "自願醫保靈活計劃：安達自願醫保（靈活）計劃（認可編號 F00027；級別：基本(港元)／基本及附加額外保障(港元)／普通(港元)／普通及附加額外保障(港元)／半私家(港元)／半私家及附加額外保障(港元)…）", "自願醫保靈活計劃：自願醫保系列－靈活計劃（附加保障）（只供現有保單續保）（認可編號 F00055；級別：靈活計劃(附加保障)）", "自願醫保靈活計劃：自願醫保系列－靈活計劃（優越）（只供現有保單續保）（認可編號 F00056；級別：半私家病房 - 0 港元自付費／半私家病房 - 15,000 港元自付費／半私家病房 - 25,000 港元自付費／半私家病房 - 50,000 港元自付費／半私家病房 - 75,000 港元自付費／普通病房 - 0 港元自付費…）", "自願醫保靈活計劃：安達自願醫保（優裕）計劃（認可編號 F00075；級別：0 港元自付費 (亞洲)／25,000 港元自付費 (亞洲)／50,000 港元自付費 (亞洲)／100,000 港元自付費 (亞洲)／150,000 港元自付費 (亞洲)／0 港元自付費 (全球不包括美國)…）", "自願醫保靈活計劃：安達自願醫保（摯裕）計劃（認可編號 F00082；級別：0 港元自付費／25,000 港元自付費／50,000 港元自付費／100,000 港元自付費）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00044；靈活計劃認可編號 F00027、F00075、F00082（另 F00055、F00056 只供現有保單續保）" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$3,064／女性約 HK$3,871（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$3,787／女 HK$2,895；30歲：男 HK$3,064／女 HK$3,871；50歲：男 HK$5,782／女 HK$6,509；60歲：男 HK$8,811／女 HK$8,781。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：最接近一個生日之已屆年齡 0-81", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00044/S00044-01-000-03-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00044/S00044-01-000-03-StandardPremium-Bilingual.pdf", "https://www.chubb.com/hk-zh/personal/health-insurance/vhis.html" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "安達自願醫保（標準）計劃 標準計劃保單條款（PlanDoc PDF）", "安達自願醫保（標準）計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "安達自願醫保（標準）計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00044/S00044-01-000-03-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$3,064／女性約 HK$3,871", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 3,064；女性 3,871（安達人壽保險香港標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00044；靈活計劃 F00027、F00055、F00056、F00075、F00082", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00044；靈活計劃認可編號 F00027、F00055、F00056、F00075、F00082（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "promo": { "tag": "最新優惠", "note": "官方專享核保支援及健康管理計劃，享專屬保費回贈" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "medical-cigna", "category": "medical", "insurer": "Cigna", "insurer_zh": "信諾", "product_name": "Cigna VHIS Series", "product_name_zh": "信諾自願醫保系列（靈活計劃（優越）／靈活計劃（附加保障SMM）／標準計劃），由信諾環球保險有限公司承保", "plan_tiers": [ "自願醫保靈活計劃（優越）", "自願醫保靈活計劃（附加保障SMM）", "自願醫保標準計劃", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00031；靈活計劃認可編號 F00012、F00016" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雜項開支", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主診醫生巡房費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "外科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "麻醉科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術室費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院前及入院前門診護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "日間手術", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明診斷成像檢測", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明非手術癌症治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外急診門診治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "如有索償，冷靜期內取消保單不獲退回保費", "一般自願醫保不保事項（以保單條款為準）" ], "source_urls": [ "https://www.cigna.com.hk/zh-hant/medical-insurance/vhis/", "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf", "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS-VHIS-Premium-Table_TC.pdf", "https://www.cigna.com.hk/iwov-resources/docs/campaign/2026-Q1-VHIS-Extra-Premium-Discount-TnC-TC.pdf", "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" ], "documents_found": [ "信諾自願醫保系列產品冊子 PDF（VMIS_VHIS_TC.pdf）", "信諾自願醫保系列靈活計劃標準保費表 PDF（2024年7月1日生效）", "信諾自願醫保官方產品頁（標準及靈活計劃）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "靈活計劃（優越）每年保障限額高達HK$3,000萬、不設終身保障限額", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 4, "quote": "為合資格醫療費用提供全面賠償，每保單年度保障限額高達港幣$3,000萬元，並不設終身保障限額", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "coverage", "claim_summary": "涵蓋入院前或出院後／日間手術前後的門診護理費用", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 4, "quote": "涵蓋所有合資格入院前或出院後／日間手術前後的門診護理費用", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "coverage", "claim_summary": "優越計劃自付費選項：HK$0/15,000/25,000/50,000/75,000（5種）；半私家病房；非急症治療亞洲、急症治療全球", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 7, "quote": "信諾自願醫保系列－靈活計劃（優越）：保障地域 非急症治療：亞洲、急症治療：全球；病房級別 半私家病房；每年自付費選項 港幣$0｜港幣$15,000｜港幣$25,000｜港幣$50,000｜港幣$75,000", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "coverage", "claim_summary": "乳房重建手術受保（冊子案例：確診乳癌後由診斷、癌症治療至乳房重建手術均獲賠償）", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 16, "quote": "53歲時，Iris確診患有乳癌。Iris的整個治療歷程均受其醫療計劃妥善保障，由診斷檢查、癌症治療以至其後的乳房重建手術，均可按保單條款獲得賠償。", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃標準保費表（2024年7月1日生效）：30歲非吸煙人士年繳HK$2,776／月繳HK$242", "document": "信諾自願醫保系列－標準計劃－標準保費表（2024年7月1日生效）（VMIS-VHIS-Premium-Table_TC.pdf）", "page": 4, "quote": "Cigna VHIS Series - Standard Plan - Standard Premium schedule (Effective from 1 July 2024) 信諾自願醫保系列 – 標準計劃 – 標準保費表（2024年7月1日生效）Premium for Non Smoker 非吸煙人士保費…30 2,776 242（Age年齡30；Annual年繳／Monthly月繳）", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS-VHIS-Premium-Table_TC.pdf" }, { "claim_field": "premium_notes", "claim_summary": "初始保費按受保人保單生效日年齡及吸煙習慣計算；續保時按當時標準保費表調整；保費表以港元計算", "document": "信諾自願醫保系列保費表（VMIS-VHIS-Premium-Table_TC.pdf）", "page": 4, "quote": "1. All the currencies in this table are in Hong Kong dollars. 本保費表內之所有貨幣均以港元計算。2. The initial premium is determined by the age and smoking habit of the Insured Person at the Policy Effective Date. 初始保費是根據受保人於保單生效日的年齡及吸煙習慣而計算。3. The premium is adjusted at each Renewal based on the age of the Insured Person, according to the prevailing Standard Premium schedule", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS-VHIS-Premium-Table_TC.pdf" }, { "claim_field": "premium_notes", "claim_summary": "推廣：個人保單首年保費8折、次年或以後85折；公務員及政府僱員高達首年保費7折", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 1, "quote": "信諾自願醫保系列–靈活計劃（優越）及（附加保障）首年保費折扣 次年或以後保費折扣：個人保單 8折 85折…所有香港公務員及香港政府聘用的非公務員及其家屬，現凡於指定推廣期內成功投保信諾自願醫保系列計劃，即可獲享高達首年保費7折優惠。", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "key_terms", "claim_summary": "保證續保至100歲，不設終身保障限額；涵蓋未知的已有病症", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 1, "quote": "計劃特點：•稅務扣減•每年保障限額高達港幣$3,000萬*•未知的已有病症保障•涵蓋多個癌症治療•保證續保至100歲，不設終身保障限額•享有五種自付費選項*", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "key_terms", "claim_summary": "30個曆日冷靜期；冷靜期內取消保單可取回已繳保費及徵費，如有索償則不獲退回保費", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 17, "quote": "您可於冷靜期內取消已購買的保單及取回已繳之保費金額及保費徵費（如適用）。冷靜期為緊接保單或冷靜期通知書交付予您或您的指定代表之日起計的30個曆日的期間（以較早者為準）。…如有索償則不獲退回保費。", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "key_terms", "claim_summary": "免找數醫療服務：入院前申請，批核後直接向醫療服務提供者繳付授權金額", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 5, "quote": "「免找數醫療服務」：於入院前申請，一經批核，我們會為您向醫療服務提供者直接繳付初步授權金額，讓您可安心接受治療，專注調理身體，無須擔心突如其來的醫療開支。", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "key_terms", "claim_summary": "每名受保人每年最高HK$8,000稅務扣減", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 4, "quote": "每名受保人每年可作稅務扣減的保費上限為港幣$8,000", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：非醫療所需服務、純粹為診斷程序或專職醫療服務的住院、HIV相關等不獲賠償", "document": "信諾自願醫保系列產品冊子（VMIS_VHIS_TC.pdf）", "page": 19, "quote": "主要不保事項…本公司不會賠償與下列項目相關或由其引致的費用：1.非醫療所需的醫療服務。2.純粹為接受診斷程序或專職醫療服務（包括但不限於物理治療、職業治療及言語治療）而住院。3.人體免疫力缺乏病毒（「HIV」）及…", "url": "https://www.cigna.com.hk/iwov-resources/docs/VMIS/VMIS_VHIS_TC.pdf" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00031；靈活計劃 F00012、F00016", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00031；靈活計劃認可編號 F00012、F00016（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.cigna.com.hk/zh-hant/medical-insurance/vhis/", "promo": null, "review_notes": [ "2026-10-02：隔離 23 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "medical-dah-sing", "category": "medical", "insurer": "Dah Sing", "insurer_zh": "大新保險", "product_name": "Dah Sing Insurance ADVANTAGE VHIS Standard Plan", "product_name_zh": "大新保險「尚護康」自願醫保標準計劃", "plan_tiers": [ "自願醫保標準計劃：大新保險「尚護康」自願醫保標準計劃（認可編號 S00019）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00019" ], "coverage": [ { "item": "每年保障限額", "limit": "每保單年度 HK$420,000（標準自願醫保法定限額）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "按手術分類：小型 HK$5,000／中型 HK$12,500／大型 HK$25,000／複雜 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "每保單年度 HK$20,000（30% 共同保險，涵蓋 CT / MRI / PET）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "每保單年度 HK$80,000（涵蓋化療、放射治療、標靶治療、免疫治療、荷爾蒙治療）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$3,208／女性約 HK$4,230（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$3,800／女 HK$3,800；30歲：男 HK$3,208／女 HK$4,230；50歲：男 HK$6,880／女 HK$8,064；60歲：男 HK$11,388／女 HK$11,473。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00019/S00019-01-000-03-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00019/S00019-01-000-03-StandardPremium-c.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "大新保險「尚護康」自願醫保標準計劃 標準計劃保單條款（PlanDoc PDF）", "大新保險「尚護康」自願醫保標準計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "大新保險「尚護康」自願醫保標準計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00019/S00019-01-000-03-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$3,208／女性約 HK$4,230", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 3,208；女性 4,230（大新保險標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00019；靈活計劃 無", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00019；靈活計劃認可編號 無（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.dahsinginsurance.com/product/vhis", "promo": { "tag": "最新優惠", "note": "大新信用卡客戶享額外分期零手續費及保費回贈優惠", "buy_url": "https://www.dahsinginsurance.com/product/vhis" } }, { "id": "medical-fwd", "category": "medical", "insurer": "FWD", "insurer_zh": "富衛", "product_name": "FWD vPrime Medical Plan / FWD vCare Medical Plan", "product_name_zh": "尊衛您醫療計劃（自願醫保靈活計劃，認可編號F00045）／更衛您醫療計劃（自願醫保靈活計劃，認可編號F00015）", "plan_tiers": [ "自願醫保靈活計劃（尊衛您，半私家房）", "自願醫保靈活計劃（更衛您）", "自願醫保標準計劃", "醫家保醫療計劃（vFamily）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00036；靈活計劃認可編號 F00015、F00032、F00045、F00051、F00067、F00069、F00070、F00072" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雜項開支", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主診醫生巡房費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "外科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "麻醉科醫生費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術室費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院前及入院前門診護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "日間手術", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明診斷成像檢測", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明非手術癌症治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外急診門診治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "妊娠併發症等部分保障設指定期限（詳見保單條款）", "自付費以下之合資格費用不獲賠償", "一般自願醫保不保事項（以保單條款為準）" ], "source_urls": [ "https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/", "https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/", "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt391ae1f3d4b2c60e/vCare_Medical_Plan_PB_TC_with_premium_schedule_final.pdf", "https://www.fwd.com.hk/zh/vhis/vfamily/", "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" ], "documents_found": [ "更衛您醫療計劃產品冊子連標準保費表 PDF（FWD 官網）", "尊衛您醫療計劃官方產品頁（含自付費保費示例）", "醫家保醫療計劃官方產品頁" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "尊衛您31歲年繳首年每月等值保費：自付費HK$0約HK$991/月；HK$16,000約HK$326/月；HK$25,000約HK$280/月；HK$50,000約HK$213/月；HK$100,000約HK$167/月；HK$250,000約HK$135/月", "document": "尊衛您醫療計劃官方產品頁（FWD網上保險平台）", "page": null, "quote": "6 種自付費任您揀…首年每月保費*（以下次生日年齡 31 歲為例）HK$0 HK$991、HK$16,000 HK$326、HK$25,000 HK$280、HK$50,000 HK$213、HK$100,000 HK$167、HK$250,000 HK$135（*以年繳投保，並假設享首兩年共高達 8 個月保費折扣）", "url": "https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/" }, { "claim_field": "premium_notes", "claim_summary": "網上優惠首年免5個月、次年免3個月、第三年免2個月保費", "document": "尊衛您醫療計劃官方產品頁（FWD網上保險平台）", "page": null, "quote": "首年免5個月、次年免3個月、第三年免2個月保費（分別等同折扣 41.67%、25%、16.67%）。", "url": "https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/" }, { "claim_field": "coverage", "claim_summary": "尊衛您每年保障限額高達每保單年度HK$1,650萬、全數保障住院及手術費用、不設終身保障限額", "document": "尊衛您醫療計劃官方產品頁（FWD網上保險平台）", "page": null, "quote": "全數保障²一系列住院及手術費用的自願醫保計劃，高達每保單年度HK$1,650萬，兼可用作扣稅…賠償高達每保單年度HK$1,650萬元的合資格費用及現金保障，不設終身保障限額！", "url": "https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/" }, { "claim_field": "coverage", "claim_summary": "更衛您每年保障限額高達HK$52萬、不設終身保障限額、保證續保至100歲", "document": "更衛您醫療計劃產品冊子連標準保費表（認可產品編號F00015-01-000-02）", "page": 3, "quote": "本計劃不設終身保障限額…自您的申請獲批准開始，本計劃提供每保單年度52萬港元的住院及手術開支保障限額，並於每保單年度重新計算，保證續保1至受保人100歲（實際年齡）！", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt391ae1f3d4b2c60e/vCare_Medical_Plan_PB_TC_with_premium_schedule_final.pdf" }, { "claim_field": "coverage", "claim_summary": "更衛您保障表：精神科治療每保單年度HK$30,000；訂明非手術癌症治療每保單年度HK$120,000；外科醫生費複雜手術HK$70,000", "document": "更衛您醫療計劃產品冊子連標準保費表（認可產品編號F00015-01-000-02）", "page": 7, "quote": "(l)精神科治療9 每保單年度30,000港元…保障項目(a)‒(l)的每年保障限額 每保單年度520,000港元…(j)訂明非手術癌症治療12 每保單年度120,000港元", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt391ae1f3d4b2c60e/vCare_Medical_Plan_PB_TC_with_premium_schedule_final.pdf" }, { "claim_field": "key_terms", "claim_summary": "保障投保時未知悉的已存在疾病（包括先天性疾病），遞增賠償：第1年0%、第2年25%、第3年50%、第4年起100%", "document": "更衛您醫療計劃產品冊子連標準保費表（認可產品編號F00015-01-000-02）", "page": 3, "quote": "保障投保時未知的已有疾病　您在投保時並未知悉的已存在疾病或先天性疾病，本計劃保證為您承保該疾病，並按以下列表賠償：第一個保單年度 沒有保障、第二個保單年度 25%、第三個保單年度 50%、第四個保單年度或以後 100%", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt391ae1f3d4b2c60e/vCare_Medical_Plan_PB_TC_with_premium_schedule_final.pdf" }, { "claim_field": "key_terms", "claim_summary": "保證每年續保至100歲；續保保費非保證並按當時實際年齡釐定", "document": "更衛您醫療計劃產品冊子連標準保費表（認可產品編號F00015-01-000-02）", "page": 6, "quote": "保證每年續保1至100歲（實際年齡）…保費結構•保費率按受保人投保實際年齡及性別而定•續保1保費為非保證並將每年按照受保人於續保1時之實際年齡而釐定", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt391ae1f3d4b2c60e/vCare_Medical_Plan_PB_TC_with_premium_schedule_final.pdf" }, { "claim_field": "key_terms", "claim_summary": "21日冷靜期內可取消保單並獲退還已繳保費及保費徵費", "document": "更衛您醫療計劃產品冊子連標準保費表（認可產品編號F00015-01-000-02）", "page": 11, "quote": "您在冷靜期內的權利…如果您並非完全滿意這份保單，請（a）將保單退回富衛；及（b）提供由您親筆簽署要求取消保單的書面通知。富衛會取消這份保單，並退還您已繳的保費及保費徵費。", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt391ae1f3d4b2c60e/vCare_Medical_Plan_PB_TC_with_premium_schedule_final.pdf" }, { "claim_field": "key_terms", "claim_summary": "50/55/60/65歲可一次性升級至較高保障計劃而毋須重新核保", "document": "更衛您醫療計劃產品冊子連標準保費表（認可產品編號F00015-01-000-02）", "page": 7, "quote": "本計劃提供一次性的醫療保障升級計劃，受保人可選擇在50、55、60或65歲（實際年齡）將保單升級至較高保障的指定醫療保險產品，而毋須重新核保或提交任何健康證明。", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt391ae1f3d4b2c60e/vCare_Medical_Plan_PB_TC_with_premium_schedule_final.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不保事項：非醫療所需治療、保單生效日前已存在的HIV相關傷病、濫用藥物酒精、故意自殘等不獲賠償", "document": "更衛您醫療計劃產品冊子連標準保費表（認可產品編號F00015-01-000-02）", "page": 10, "quote": "一般不保事項　按本保單條款之條款及保障，富衛不會賠償與下列項目相關或由其引致的費用：1.任何非醫療所需治療、治療程序、藥物、檢測或服務的費用。…3.在保單生效日前，因感染或出現人體免疫力缺乏病毒（“HIV”）及其相關的傷病所招致的費用。…4.因倚賴或過量服用藥物、酒精、毒品或類似物質…、故意自殘身體或企圖自殺…", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt391ae1f3d4b2c60e/vCare_Medical_Plan_PB_TC_with_premium_schedule_final.pdf" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00036；靈活計劃 F00015、F00032、F00045、F00051、F00067、F00069、F00070、F00072", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00036；靈活計劃認可編號 F00015、F00032、F00045、F00051、F00067、F00069、F00070、F00072（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/", "promo": null, "review_notes": [ "2026-10-02：隔離 23 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "medical-hsbc-life", "category": "medical", "insurer": "HSBC Life", "insurer_zh": "滙豐人壽", "product_name": "HSBC VHIS Flexi Plan", "product_name_zh": "滙豐自願醫保靈活計劃（認可編號F00049），由滙豐人壽保險（國際）有限公司承保", "plan_tiers": [ "自願醫保靈活計劃（多個計劃級別，最低級別保障涵蓋大中華，高級別提供全球保障）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00042；靈活計劃認可編號 F00049、F00076、F00079" ], "coverage": [ { "item": "每年保障限額", "limit": "滙豐自願醫保靈活計劃每年高達 HK$10,000,000（標準計劃每年 HK$420,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（無上限終身賠償）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "靈活計劃標準私家單人房或半私家房全數賠償（標準計劃每日 HK$750）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "主要醫療費用（住院及手術）", "limit": "外科手術費、麻醉科醫生費、手術室費及巡房費全數賠償，無細項分額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "第(a)-(h)項主要住院及手術費用實報實銷" }, { "item": "雜項開支", "limit": "靈活計劃全數賠償（標準計劃每年 HK$14,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "靈活計劃全數賠償（標準計劃每日 HK$750）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "靈活計劃全數賠償（標準計劃每年 HK$4,300）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "靈活計劃全數賠償（標準計劃小型HK$5,000至複雜HK$50,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "靈活計劃全數賠償（標準計劃最高HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "靈活計劃全數賠償（標準計劃最高HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "靈活計劃全數賠償不設天數上限（標準計劃每日 HK$3,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "靈活計劃出院後長達365天物理治療及門診全數賠償（標準計劃每次HK$580）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "日間手術全數賠償並享日間護理程序現金津貼", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "實報實銷全數賠償，0%共同保險（標準計劃每年 HK$20,000，30%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標靶藥物、化療、放療、免疫治療全數賠償（標準計劃每年 HK$80,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "常規洗腎透析費用全數賠償（標準計劃每年 HK$86,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "精神科專科住院治療高達 HK$40,000 至全數賠償（標準計劃每年 HK$30,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "意外急症治療全數賠償（標準計劃每年 HK$10,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日高達 HK$1,500（標準計劃每日 HK$600）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "靈活計劃 HK$80,000（標準計劃 HK$10,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "全球出院免找數直付", "limit": "滙豐尊尚醫療直付服務，出院免找數直接結算", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "保險公司指定私家醫院網絡直付與出院免找數服務" }, { "item": "自付費（墊底費）選項", "limit": "設有 HK$0 / HK$20,000 / HK$50,000 / HK$80,000 自選墊底費", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" } ], "premium_range": "未收錄已核對的同條件保費。請按認可產品、年齡及計劃級別向保險公司查詢。", "premium_available": false, "premium_notes": "設無索償折扣：連續3個保單年度無索償5%、連續4年10%、連續5年或以上15%（無索償折扣批註，2025年3月版本計劃文件）", "key_terms": [ "保證續保（自願醫保認可產品基本要求）", "保障投保時未知的已有疾病", "21日冷靜期", "每名受保人每課稅年度扣稅上限HK$8,000", "無索償折扣按產生醫療費用的保單年度為基準計算，如其後須就前5個保單年度賠償將重新計算並須退回差額" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）" ], "source_urls": [ "https://www.hsbc.com.hk/zh-hk/insurance/products/medical/vhis-flexi/" ], "documents_found": [ "滙豐保險官方產品專頁：「滙豐自願醫保靈活計劃」（HSBC VHIS Flexi Plan，hsbc.com.hk）" ], "note": "滙豐人壽產品頁主要經 retailbank.hsbc.com.hk 發佈；計劃條款文件取自政府自願醫保計劃官方網站（vhis.gov.hk）之認可產品文件", "citations": [ { "claim_field": "coverage", "claim_summary": "每年保障限額高達HK$500萬（官方示例計劃級別），主要醫療費用全額支付", "document": "滙豐保險官方產品專頁：「滙豐自願醫保靈活計劃」（HSBC VHIS Flexi Plan，hsbc.com.hk）", "page": null, "quote": "滙豐自願醫保靈活計劃*　每年保障額：港幣5,000,000元　病房及膳食（3天）港幣3,180元—全額支付　指定醫療裝置及雜項開支 港幣52,100元　外科醫生費 港幣55,000元　手術室費 港幣25,000元（30歲男性「通波仔」手術住院3天示例）", "url": "https://www.hsbc.com.hk/zh-hk/insurance/products/medical/vhis-flexi/" }, { "claim_field": "coverage", "claim_summary": "金級計劃每年保障限額每保單年度HK$30,000,000，病房及膳食全額支付", "document": "滙豐自願醫保靈活計劃條款及保障（認可產品編號F00049，vhis.gov.hk發佈）—保障表（金級）", "page": 62, "quote": "每年保障限額 每保單年度 港元30,000,000…病房及膳食 全額支付", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00049/F00049-09-000-03-PlanDoc-c.pdf" }, { "claim_field": "premium_notes", "claim_summary": "無索償折扣：連續3個保單年度無索償5%、連續4年10%、連續5年或以上15%", "document": "滙豐自願醫保靈活計劃條款及保障（認可產品編號F00049，vhis.gov.hk發佈）—無索償折扣批註", "page": 56, "quote": "緊接續保日前的無索償期 無索償折扣百分比：連續三(3)個保單年度 百分之五5%；連續四(4)個保單年度 百分之十10%；連續五(5)個或以上保單年度 百分之十五15%", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00049/F00049-09-000-03-PlanDoc-c.pdf" }, { "claim_field": "key_terms", "claim_summary": "無索償折扣按其後賠償重新計算並須退回差額；按產生醫療費用的保單年度為基準", "document": "滙豐自願醫保靈活計劃條款及保障（認可產品編號F00049，vhis.gov.hk發佈）—無索償折扣批註", "page": 56, "quote": "在扣除無索償折扣後，若本公司須就前五(5)個保單年度內產生的索償按本計劃支付賠償，則無索償折扣應根據有關賠付後而重新計算，及保單持有人須立即向本公司交回…差額。…決定無索償折扣時將按產生醫療費用的保單年度為基準，而並非按入院或出院時的保單年度。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00049/F00049-09-000-03-PlanDoc-c.pdf" }, { "claim_field": "key_terms", "claim_summary": "21日冷靜期內可取消條款及保障並獲發還全數已付保費", "document": "滙豐自願醫保靈活計劃條款及保障（認可產品編號F00049，vhis.gov.hk發佈）", "page": 6, "quote": "保單持有人可在冷靜期內行使權利取消本條款及保障及獲發還全數已付保費…冷靜期為緊接下列文件交付予保單持有人或保單持有人的指定代表之日起計的二十一(21)日的期間", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00049/F00049-09-000-03-PlanDoc-c.pdf" }, { "claim_field": "key_terms", "claim_summary": "保證續保：條款及保障自動續保（不差於政府公布最新版本的標準計劃條款及保障）", "document": "滙豐自願醫保靈活計劃條款及保障（認可產品編號F00049，vhis.gov.hk發佈）", "page": 16, "quote": "本條款及保障將按不差於續保時由政府公布最新版本的標準計劃條款及保障…自動續保。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00049/F00049-09-000-03-PlanDoc-c.pdf" }, { "claim_field": "key_terms", "claim_summary": "豁免等候期（滙豐自願醫保產品不設等候期）", "document": "滙豐保險官方產品專頁：「滙豐自願醫保靈活計劃」（HSBC VHIS Flexi Plan，hsbc.com.hk）", "page": null, "quote": "而滙豐自願醫保產品則豁免等候期，讓受保人立即得到保障。", "url": "https://www.hsbc.com.hk/zh-hk/insurance/products/medical/vhis-flexi/" }, { "claim_field": "key_terms", "claim_summary": "保障已披露的投保前已有病症（除非受個別不保項目規限）", "document": "滙豐自願醫保靈活計劃條款及保障（認可產品編號F00049，vhis.gov.hk發佈）", "page": 25, "quote": "向本公司披露的投保前已有病症，除非受個別不保項目（如有）所規限，本公司將按本條款及保障賠償該病症的合資格費用。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00049/F00049-09-000-03-PlanDoc-c.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不保事項：非醫療所需治療、純粹為診斷程序或專職醫療服務的住院等不獲賠償", "document": "滙豐自願醫保靈活計劃條款及保障（認可產品編號F00049，vhis.gov.hk發佈）—第七部分一般不保事項", "page": 27, "quote": "按本條款及保障，本公司不會賠償與下列項目相關或由其引致的費用- 1.任何非醫療所需治療、治療程序、藥物、檢測或服務的費用。2.若純粹為接受診斷程序或專職醫療服務…而住院，該住院期間所招致的全部或部分費用。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00049/F00049-09-000-03-PlanDoc-c.pdf" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00042；靈活計劃 F00049、F00076、F00079", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00042；靈活計劃認可編號 F00049、F00076、F00079（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "promo": { "tag": "最新優惠", "note": "滙豐銀行客戶專屬保費回贈，每年尊享高達 HK$8,000 扣稅額" }, "review_notes": [ "舊快照的SAVE20及家庭折扣沒有可核實有效期，已從保費摘要移除。保單內容仍須按現行版本逐項核對。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "medical-hong-kong-life", "category": "medical", "insurer": "Hong Kong Life", "insurer_zh": "香港人壽", "product_name": "Health Essential Medical Plan - Standard / Health Supreme Medical Plan", "product_name_zh": "「摯健樂」醫療計劃 – 基本／「倍健樂」醫療計劃", "plan_tiers": [ "自願醫保標準計劃：「摯健樂」醫療計劃 – 基本（認可編號 S00037）", "自願醫保靈活計劃：「倍健樂」醫療計劃（認可編號 F00039；級別：計劃 I／計劃 I+額外醫療保障／計劃 II／計劃 II+額外醫療保障／計劃 III／計劃 III+額外醫療保障）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00037；靈活計劃認可編號 F00039" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$2,568／女性約 HK$3,374（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$4,282／女 HK$3,422；30歲：男 HK$2,568／女 HK$3,374；50歲：男 HK$5,354／女 HK$6,526；60歲：男 HK$9,293／女 HK$8,904。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00037/S00037-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00037/S00037-01-000-02-StandardPremium-Bilingual.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "「摯健樂」醫療計劃 – 基本 標準計劃保單條款（PlanDoc PDF）", "「摯健樂」醫療計劃 – 基本 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "「摯健樂」醫療計劃 – 基本 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00037/S00037-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$2,568／女性約 HK$3,374", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 2,568；女性 3,374（香港人壽標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00037；靈活計劃 F00039", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00037；靈活計劃認可編號 F00039（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.hklife.com.hk/tc/products/personal-insurance/medical-protection/", "promo": { "tag": "最新優惠", "note": "本土老牌人壽，費率平實透明，保證續保至 100 歲", "buy_url": "https://www.hklife.com.hk/tc/products/personal-insurance/medical-protection/" } }, { "id": "medical-liberty-international", "category": "medical", "insurer": "Liberty", "insurer_zh": "利寶國際保險", "product_name": "Liberty Insurance Standard VHIS Plan / Liberty Insurance VHIS Series - Flexi Plan (Premium)", "product_name_zh": "利寶國際自願醫保標準計劃／利寶國際自願醫保系列 – 靈活計劃(尊尚)", "plan_tiers": [ "自願醫保標準計劃：利寶國際自願醫保標準計劃（認可編號 S00017）", "自願醫保靈活計劃：利寶國際自願醫保系列 – 靈活計劃(尊尚)（認可編號 F00046；級別：靈活計劃（尊尚））", "自願醫保靈活計劃：利寶國際自願醫保系列 – 靈活計劃(基本)（認可編號 F00047；級別：靈活計劃（基本）／靈活計劃（基本+附加醫療保障））", "自願醫保靈活計劃：利寶國際自願醫保系列 – 靈活計劃(升級)（認可編號 F00048；級別：靈活計劃（升級）／靈活計劃（升級+附加醫療保障））", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00017；靈活計劃認可編號 F00046、F00047、F00048" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$2,070／女性約 HK$2,070（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$2,825／女 HK$2,825；30歲：男 HK$2,070／女 HK$2,070；50歲：男 HK$4,291／女 HK$4,291；60歲：男 HK$7,281／女 HK$7,281。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00017/S00017-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00017/S00017-01-000-02-StandardPremium-c.pdf", "https://www.libertyinsurance.com.hk/zh-hk/personal/vhis/" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "利寶國際自願醫保標準計劃 標準計劃保單條款（PlanDoc PDF）", "利寶國際自願醫保標準計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "利寶國際自願醫保標準計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00017/S00017-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$2,070／女性約 HK$2,070", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 2,070；女性 2,070（利寶國際保險標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00017；靈活計劃 F00046、F00047、F00048", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00017；靈活計劃認可編號 F00046、F00047、F00048（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "promo": { "tag": "最新優惠", "note": "設有自付額選項與無索償優惠，彈性兼顧預算與大病保障" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "medical-msig", "category": "medical", "insurer": "MSIG", "insurer_zh": "三井住友保險", "product_name": "VHIS Standard Care / VHIS Prestige Care", "product_name_zh": "自願醫保計劃-適健保／自願醫保計劃-優健保", "plan_tiers": [ "自願醫保標準計劃：自願醫保計劃-適健保（認可編號 S00029）", "自願醫保靈活計劃：自願醫保計劃-優健保（認可編號 F00023；級別：計劃 A／計劃 A+附加額外醫療保障／計劃 B／計劃 B+附加額外醫療保障／計劃 C／計劃 C+附加額外醫療保障）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00029；靈活計劃認可編號 F00023" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$4,104／女性約 HK$4,104（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$3,240／女 HK$3,240；30歲：男 HK$4,104／女 HK$4,104；50歲：男 HK$6,588／女 HK$6,588；60歲：男 HK$9,666／女 HK$9,666。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00029/S00029-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00029/S00029-01-000-02-StandardPremium-c.pdf", "https://www.msig.com.hk/zh-hant/personal-insurance/vhis" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "自願醫保計劃-適健保 標準計劃保單條款（PlanDoc PDF）", "自願醫保計劃-適健保 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "自願醫保計劃-適健保 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00029/S00029-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$4,104／女性約 HK$4,104", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 4,104；女性 4,104（三井住友保險標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00029；靈活計劃 F00023", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00029；靈活計劃認可編號 F00023（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "promo": { "tag": "最新優惠", "note": "官網報價享專屬核保及理賠綠通，日本三井住友信譽承保" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "medical-manulife", "category": "medical", "insurer": "Manulife", "insurer_zh": "宏利", "product_name": "Manulife Supreme VHIS Flexi Plan / Manulife First VHIS Flexi Plan / Manulife Shelter VHIS Standard Plan", "product_name_zh": "宏利晉悅自願醫保靈活計劃（F00041）／宏利全護航自願醫保靈活計劃（F00019）／宏利自願醫保標準計劃（S00034）／宏利晉逸自願醫保附加保障（F00071）", "plan_tiers": [ "宏利晉悅靈活計劃：智選／精選／優選（各自有不同自付費選項）", "自願醫保靈活計劃（全護航：普通房／半私家房／私家房，可附加額外醫療保障）", "自願醫保標準計劃（Shelter）", "自願醫保附加保障（晉逸 Supreme Lite）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00034；靈活計劃認可編號 F00019、F00041、F00071" ], "coverage": [ { "item": "每年保障限額", "limit": "只限晉悅：智選每年HK$5,000,000；精選HK$12,000,000；優選HK$30,000,000。其他產品未在此項重新核對。", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/zh-hk/documents/products/health/vhis-supreme-leaflet.pdf#page=10", "document_name": "宏利晉悅自願醫保靈活計劃產品單張（2026-09-18檢視；實際PDF第10頁、印刷第9頁）", "page": 10, "quote": "每年保障限額", "reviewed_at": "2026-09-18", "review_scope": "只核對該頁所列3個晉悅級別的基本限額。賠償仍受自付費、合理及慣常開支、保障地區及其他條款限制；不是保障限額重置後的金額。" }, { "item": "終身保障限額", "limit": "只限晉悅：智選終身HK$20,000,000；精選HK$60,000,000；優選HK$120,000,000。其他產品未在此項重新核對。", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/zh-hk/documents/products/health/vhis-supreme-leaflet.pdf#page=10", "document_name": "宏利晉悅自願醫保靈活計劃產品單張（2026-09-18檢視；實際PDF第10頁、印刷第9頁）", "page": 10, "quote": "終身保障限額", "reviewed_at": "2026-09-18", "review_scope": "只核對該頁所列3個晉悅級別的基本限額。賠償仍受自付費、合理及慣常開支、保障地區及其他條款限制；不是保障限額重置後的金額。" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750；宏利晉悅標準私家房或半私家房全數賠償" }, { "item": "主要醫療費用（住院及手術）", "limit": "標準計劃按手術表賠償；宏利晉悅手術費、專科巡房費、深切治療及雜費全數賠償" }, { "item": "雜項開支", "limit": "標準計劃每年 HK$14,000；宏利晉悅全數賠償" }, { "item": "主診醫生巡房費", "limit": "標準計劃每日 HK$750；宏利晉悅全數賠償" }, { "item": "專科醫生費", "limit": "標準計劃每年 HK$4,300；宏利晉悅全數賠償" }, { "item": "外科醫生費", "limit": "標準小型HK$5,000至複雜HK$50,000；宏利晉悅全數賠償" }, { "item": "麻醉科醫生費", "limit": "標準外科35%最高HK$17,500；宏利晉悅全數賠償" }, { "item": "手術室費", "limit": "標準外科35%最高HK$17,500；宏利晉悅全數賠償" }, { "item": "深切治療", "limit": "標準每日 HK$3,500；宏利晉悅全數賠償不設天數上限" }, { "item": "出院前及入院前門診護理", "limit": "標準每次 HK$580；宏利晉悅出院後長達365天物理治療及門診全數賠償" }, { "item": "日間手術", "limit": "比照手術表最高 HK$50,000；宏利晉悅全數賠償兼享日間手術現金保障" }, { "item": "訂明診斷成像檢測", "limit": "標準每年 HK$20,000（30%共同保險）；宏利晉悅實報實銷全數賠償（0%共同保險）" }, { "item": "訂明非手術癌症治療", "limit": "標準每年 HK$80,000；宏利晉悅化療、放療、標靶藥物、質子治療全數賠償" }, { "item": "門診透析（洗腎費用）", "limit": "標準每年 HK$86,000；宏利晉悅全數賠償" }, { "item": "精神科治療", "limit": "標準每年 HK$30,000；宏利晉悅高達 HK$50,000 至全數賠償" }, { "item": "意外急診門診治療", "limit": "標準每年 HK$10,000；宏利晉悅全數賠償" }, { "item": "陪床費 / 親屬陪床", "limit": "標準每日 HK$600；宏利晉悅每日高達 HK$1,500" }, { "item": "恩恤身故賠償", "limit": "標準 HK$10,000；宏利晉悅高達 HK$80,000" }, { "item": "全球出院免找數直付", "limit": "宏利「醫護夥伴」環球醫療網絡直付及預先批核免找數" }, { "item": "自付費（墊底費）選項", "limit": "宏利晉悅設有 HK$0 / HK$16,800 / HK$28,000 / HK$58,000 自付額選項" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲" } ], "premium_range": "未收錄已核對的同條件保費。請按產品、計劃級別、年齡及自付費向宏利索取報價。", "premium_available": false, "premium_notes": "舊快照列出的2024-07-22至2025-06-30優惠已過期，已移除。其他保費獎勵及續保保費須另行核對。", "key_terms": [ "保證每年續保，終身保障", "未知的投保前已有病症於保單生效30日後受保", "涵蓋8歲或以後確診的先天性疾病", "21日冷靜期；每名受保人每年扣稅上限HK$8,000", "妊娠併發症於保單生效12個月後受保", "住院免找數服務、代繳住院費用服務", "增值服務：美國第二醫療意見、國際醫療援助、醫療專案經理（癌症及大型手術）", "內地三級公立醫院及宏利指定卓越醫院網絡" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "精神科治療全數賠償只限香港" ], "source_urls": [ "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html", "https://www.manulife.com.hk/content/dam/insurance/hk/zh-hk/documents/products/health/vhis-supreme-leaflet.pdf" ], "documents_found": [ "宏利晉悅自願醫保靈活計劃官方產品手冊及現行保障條款（2025-2026 現行版）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "晉悅全數賠償不設分項賠償限額之主要醫療費用，每保單年度高達HK$30,000,000", "document": "宏利晉悅自願醫保靈活計劃官方產品頁", "page": null, "quote": "為不設分項賠償限額之主要項目的醫療費用提供全數賠償，每保單年度高達30,000,000港元", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "coverage", "claim_summary": "精神科治療（只限香港）及多個保障項目全數賠償，不設分項賠償限額", "document": "宏利官方「宏利晉悅自願醫保靈活計劃」現行官方產品專頁", "page": null, "quote": "此計劃全數賠償住院、診斷及外科手術等多個保障項目，以及全數賠償精神科治療（只限香港）及妊娠併發症等其他額外保障項目。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "coverage", "claim_summary": "自付費選項：智選HK$0/22,800/45,000/100,000；精選及優選HK$0/8,000/22,800/45,000/100,000", "document": "宏利晉悅自願醫保靈活計劃官方產品頁", "page": null, "quote": "多個每年自付費選項—0港元、22,800港元、45,000港元或100,000港元（智選計劃）；或0港元、8,000港元、22,800港元、45,000港元或100,000港元（精選和優選計劃）", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "premium_range", "claim_summary": "宏利晉悅（精選，HK$45,000自付費）標準保費表：0歲年繳HK$4,119", "document": "宏利晉悅自願醫保靈活計劃 精選（45,000港元自付費）標準保費表（港元）（F00041-04，vhis.gov.hk發佈）", "page": 1, "quote": "宏利晉悅自願醫保靈活計劃 Manulife Supreme VHIS Flexi Plan　精選 (45,000 港元自付費) Advance (HKD45,000 Deductible)　標準保費表 Standard Premium Schedule - 港元 HKD…4,119.00 0（最接近生日年齡0，年繳Annual）", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00041/F00041-04-000-04-StandardPremium-Bilingual.pdf" }, { "claim_field": "premium_notes", "claim_summary": "連續至少2個保單年度無索償可享高達16%健康折扣", "document": "宏利晉悅自願醫保靈活計劃官方產品頁", "page": null, "quote": "連續至少2個保單年度沒有提出索償，可享高達16%的健康折扣", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "premium_notes", "claim_summary": "ManulifeMOVE活動量達標可獲高達10%保費折扣", "document": "宏利官方「宏利晉悅自願醫保靈活計劃」現行官方產品專頁", "page": null, "quote": "18歲或以上客戶可免費加入ManulifeMOVE計劃，只要達到指定MOVE獎賞級別的活動量目標，便可獲享高達10%的保費折扣。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "key_terms", "claim_summary": "保證每年續保，終身保障", "document": "宏利官方「宏利晉悅自願醫保靈活計劃」現行官方產品專頁", "page": null, "quote": "「宏利晉悅」為受保人終身提供每年保證續保。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "key_terms", "claim_summary": "未知的投保前已有病症於保單生效30日後受保；涵蓋8歲後確診的先天性疾病", "document": "宏利晉悅自願醫保靈活計劃官方產品頁", "page": null, "quote": "於保單生效後的30日後，任何於受保人申請時未知的投保前已有病症均可獲得保障。此外，本計劃的保障範圍還包括受保人年屆8歲後出現及確診的先天性疾病所引致的合資格醫療費用。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "key_terms", "claim_summary": "可於50–85歲指定年齡一次性下調每年自付費而毋須再作核保", "document": "宏利官方「宏利晉悅自願醫保靈活計劃」現行官方產品專頁", "page": null, "quote": "客戶並可於50、55、60、65、70、75、80 或85 歳時，一次性下調每年自付費，而毋須提供額外健康狀況證明再作核保。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "exclusions", "claim_summary": "精神科治療全數賠償只限香港", "document": "宏利官方「宏利晉悅自願醫保靈活計劃」現行官方產品專頁", "page": null, "quote": "全數賠償精神科治療（只限香港）…這項新計劃提供多元化保障，包括就香港醫院提供的精神科治療提供全數賠償", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00034；靈活計劃 F00019、F00041、F00071", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00034；靈活計劃認可編號 F00019、F00041、F00071（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html", "promo": { "tag": "最新優惠", "note": "全港知名醫療保險品牌，投保享迎新保費回贈及醫康健管網絡", "buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html" }, "review_notes": [ "2026-09-18僅核對「晉悅」3個級別的每年及終身限額；不是本頁所有產品及條款已核實。", "本頁同時收錄晉悅、全護航、標準計劃及晉逸，不能將不同產品或級別的保障加在一起。", "其他保障仍有待核對；原快照有引用與產品不相符的文件。請以自己投保的產品、認可編號及保單版本為準。" ] }, { "id": "medical-prudential", "category": "medical", "insurer": "Prudential", "insurer_zh": "保誠", "product_name": "PRUHealth VHIS VIP Plan / PRUHealth FlexiChoice Medical Plan / PRUHealth VHIS Standard Plan", "product_name_zh": "保誠自願醫保尚賓計劃（靈活計劃）／保誠靈活自主醫保計劃（靈活計劃）／保誠自願醫保摯稱心計劃（靈活計劃）／保誠自主醫保計劃（標準計劃）", "plan_tiers": [ "自願醫保靈活計劃（尚賓計劃，高端）", "自願醫保靈活計劃（靈活自主醫保計劃）", "自願醫保靈活計劃（摯稱心計劃）", "自願醫保標準計劃（自主醫保計劃）", "高端醫療自由行計劃", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00026；靈活計劃認可編號 F00013、F00050、F00068" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃 HK$420,000；保誠自願醫保尚賓計劃每保單年度高達 HK$12,000,000 至 HK$30,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "標準計劃不設上限；尚賓計劃終身保障限額高達 HK$60,000,000 至 HK$100,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750；尚賓計劃標準私家房或半私家房全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "主要醫療費用（住院及手術）", "limit": "標準計劃按手術表賠償；尚賓計劃手術費、專科巡房費、深切治療及雜費全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "第(a)-(h)項主要住院及手術費用實報實銷" }, { "item": "雜項開支", "limit": "標準計劃每年 HK$14,000；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "標準計劃每日 HK$750；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "標準計劃每年 HK$4,300；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準小型HK$5,000至複雜HK$50,000；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "標準外科35%最高HK$17,500；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "標準外科35%最高HK$17,500；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "標準每日 HK$3,500；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "標準每次 HK$580；尚賓計劃出院後專科覆診及物理治療全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照手術表最高 HK$50,000；尚賓計劃全數賠償並享日間手術現金保障", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準每年 HK$20,000（30%共同保險）；尚賓計劃實報實銷全數賠償（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準每年 HK$80,000；尚賓計劃非手術癌症治療及標靶藥物全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "標準每年 HK$86,000；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "標準每年 HK$30,000；尚賓計劃高達 HK$45,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "標準每年 HK$10,000；尚賓計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "標準每日 HK$600；尚賓計劃每日高達 HK$1,600", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "標準 HK$10,000；尚賓計劃高達 HK$80,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "全球出院免找數直付", "limit": "PRUhealth 醫療網絡免找數直付服務及綠色就醫通道", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "保險公司指定私家醫院網絡直付與出院免找數服務" }, { "item": "自付費（墊底費）選項", "limit": "尚賓計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 / HK$80,000 自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" } ], "premium_range": "官方頁面顯示靈活自主醫保計劃投保可享40%保費回贈（推廣）；標準保費表按港元/美元計劃及生效日期分版本於官網公佈", "premium_available": true, "premium_notes": "自願醫保產品提供者編號00026；尚賓計劃設15%無索償折扣（靈活自主：連續3年無索償享15%折扣）；可於50–85歲指定年齡續保日終身1次調低自付費而毋須醫療檢查", "key_terms": [ "保證終身續保（不論醫療或索償記錄）", "不設等候期，保障即時生效（未知的投保前已有病症及妊娠期併發症除外）", "靈活計劃由第1個保單年度第31日起全數保障未知的投保前已有病症", "標準計劃：第2年25%、第3年50%、第4年起100%", "21日冷靜期", "每名受保人每課稅年度扣稅上限HK$8,000", "涵蓋8歲或以後確診的先天性疾病", "訂明診斷成像檢測投保人分擔30%（標準要求）", "治療前預計賠償額服務", "精神科治療保障只適用於香港" ], "exclusions": [ "日常門診（如傷風感冒診症）不受自願醫保認可產品涵蓋", "自付費適用於所有保障項目（意外身故、恩恤身故及健康保障除外）", "一般自願醫保不保事項（以保單條款為準）" ], "source_urls": [ "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/", "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/", "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-flexichoice-medical-plan/", "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" ], "documents_found": [ "保誠自願醫保計劃系列官方頁（VHIS series FAQ）", "保誠自願醫保尚賓計劃官方產品頁", "保誠靈活自主醫保計劃官方產品頁（含標準保費表版本連結）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "尚賓計劃每年保障限額HK$1,200萬、終身HK$5,600萬、主要醫療費用不設個別限額全數賠償", "document": "保誠自願醫保尚賓計劃官方產品頁", "page": null, "quote": "就不設個別保障限額的主要醫療費用提供全數賠償，每年保障達12,000,000港元及終身保障達56,000,000港元", "url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/" }, { "claim_field": "coverage", "claim_summary": "尚賓計劃保障地域：自選亞洲（包括澳洲及新西蘭）或全球（美國除外）；中港澳半私家房", "document": "保誠自願醫保尚賓計劃官方產品頁", "page": null, "quote": "自選亞洲保障（包括澳洲及新西蘭）或全球（美國除外）保障…保障在中國內地、香港及澳門入住半私家病房", "url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/" }, { "claim_field": "premium_range", "claim_summary": "投保可享40%保費回贈（推廣）", "document": "保誠自願醫保尚賓計劃官方產品頁", "page": null, "quote": "投保可享40%保費回贈", "url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/" }, { "claim_field": "premium_range", "claim_summary": "尚賓計劃（HK$20,000自付費，亞洲）標準保費表：1歲年繳HK$5,146.40", "document": "保誠自願醫保尚賓計劃 20,000港元自付費（亞洲）標準保費表（港元）（F00050-02，vhis.gov.hk發佈）", "page": 1, "quote": "保誠自願醫保尚賓計劃 PRUHealth VHIS VIP Plan　20,000 港元自付費 (亞洲) HKD20,000 Deductible (Asia)　標準保費表 Standard Premium Schedule - 港元 HKD…5,146.40 1（下次生日年齡1，年繳Annual）", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00050/F00050-02-000-04-StandardPremium-Bilingual.pdf" }, { "claim_field": "key_terms", "claim_summary": "保證終身續保，不論醫療或索償記錄", "document": "保誠自願醫保尚賓計劃官方產品頁", "page": null, "quote": "保證終身續保…不論您的醫療或索償記錄", "url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/" }, { "claim_field": "key_terms", "claim_summary": "不設等候期，保障即時生效（未知的投保前已有病症及妊娠期併發症除外）", "document": "保誠自願醫保尚賓計劃官方產品頁", "page": null, "quote": "不設等候期，保障即時生效…由計劃生效日起即時為您提供保障（未知的投保前已有病症（包括未知的先天性疾病），以及妊娠期併發症除外）", "url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/" }, { "claim_field": "key_terms", "claim_summary": "每名受保人每課稅年度扣稅上限HK$8,000", "document": "保誠自願醫保尚賓計劃官方產品頁", "page": null, "quote": "上限為每名受保人每年8,000港元", "url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/" }, { "claim_field": "coverage", "claim_summary": "尚賓計劃健康保障：指定保單年度內涵蓋1次健康檢查或接種疫苗", "document": "保誠自願醫保尚賓計劃官方產品頁", "page": null, "quote": "健康保障，助您監察健康　於指定保單年度內，涵蓋1次健康檢查或接種疫苗的合資格費用", "url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/" }, { "claim_field": "key_terms", "claim_summary": "保障未知的投保前已有病症及先天性疾病、妊娠期併發症（於指定期限後全數支付）；治療前預計賠償額服務", "document": "保誠自願醫保尚賓計劃官方產品頁", "page": null, "quote": "保障未知的投保前已有病症及先天性疾病，以及妊娠期併發症　於指定期限後，全數支付由這些病症引致的合資格索償　治療前預計賠償額，支出預算更明確　於私家醫療機構接受任何治療之前，為您預算可獲賠償的金額", "url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00026；靈活計劃 F00013、F00050、F00068", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00026；靈活計劃認可編號 F00013、F00050、F00068（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/", "promo": { "tag": "最新優惠", "note": "全數保障指定醫療開支，家庭成員同行投保享額外折扣優惠", "buy_url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/" } }, { "id": "medical-sun-life", "category": "medical", "insurer": "Sun Life", "insurer_zh": "永明金融", "product_name": "WeHealth Prestige / WeHealth Preferred / WeHealth (Standard)", "product_name_zh": "永明港卓越醫療保（靈活計劃，認可編號F00063）／永明港無憂醫療保（靈活計劃）／永明港稱心醫療保（靈活計劃）／永明港健康醫療保（標準計劃）", "plan_tiers": [ "自願醫保靈活計劃（港卓越，亞洲全數賠償）", "自願醫保靈活計劃（港無憂，大中華普通房）", "自願醫保靈活計劃（港稱心）", "自願醫保標準計劃（港健康）", "永明滿心醫療保（環球高端醫療，非VHIS）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00018；靈活計劃認可編號 F00026、F00063、F00066" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃 HK$420,000；永明港卓越靈活計劃每年高達 HK$12,000,000 至 HK$18,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "標準計劃不設上限；永明港卓越終身保障限額高達 HK$60,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750；永明港卓越標準私家房或半私家房全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "主要醫療費用（住院及手術）", "limit": "標準計劃按手術表賠償；永明港卓越外科手術費、深切治療及住院雜項全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "第(a)-(h)項主要住院及手術費用實報實銷" }, { "item": "雜項開支", "limit": "標準計劃每年 HK$14,000；永明港卓越全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "標準計劃每日 HK$750；永明港卓越全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "標準計劃每年 HK$4,300；永明港卓越全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準小型HK$5,000至複雜HK$50,000；永明港卓越全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "標準外科35%最高HK$17,500；永明港卓越全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "標準外科35%最高HK$17,500；永明港卓越全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "標準每日 HK$3,500；永明港卓越全數賠償不設天數上限", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "標準每次 HK$580；永明港卓越出院前後門診護理全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照手術表最高 HK$50,000；永明港卓越全數賠償兼享日間手術現金保障", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準每年 HK$20,000（30%共同保險）；永明港卓越實報實銷全數賠償（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準每年 HK$80,000；永明港卓越化療、放療、標靶藥物全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "標準每年 HK$86,000；永明港卓越全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "標準每年 HK$30,000；永明港卓越高達 HK$40,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "標準每年 HK$10,000；永明港卓越全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "標準每日 HK$600；永明港卓越每日高達 HK$1,200", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "標準 HK$10,000；永明港卓越高達 HK$60,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "全球出院免找數直付", "limit": "永明安心直付服務覆蓋本地私家醫院及指定海外醫療機構", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "保險公司指定私家醫院網絡直付與出院免找數服務" }, { "item": "自付費（墊底費）選項", "limit": "永明港卓越設有 HK$0 / HK$15,000 / HK$30,000 / HK$50,000 / HK$80,000 自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" } ], "premium_range": "30歲男性標準計劃保費換算約HK$147/月等值（市場公開資料引述；確實金額以Sun Life官網標準保費表為準）", "premium_available": true, "premium_notes": "港卓越設4種自付費選項：HK$0 / 20,000 / 50,000 / 80,000；於50/55/60/65/70/75/80/85歲可一次性行使減低自付費權利而毋須可保證明；確診指定癌症可獲36個月保費豁免", "key_terms": [ "保證終身續保（港卓越/港無憂）或保證續保至100歲（港稱心/港健康）", "未知的已有病症由保單簽發後31日起受保（港卓越）", "21日冷靜期", "每名受保人每年最高HK$8,000稅務扣減", "亞洲以外非急症治療按標準計劃保障表限額支付", "精神科治療及每日住院現金保障只適用於香港住院", "增值服務：免找數安排、第二醫療意見、全面癌症基因檢測（每保單1次免費）、中國內地陪診服務", "乳房切除後12個月內重建乳房手術全數賠償", "意外後90日至12個月內重建手術受保" ], "exclusions": [ "保單生效日起計1年內自殺不獲恩恤身故保障", "自付費以下之合資格費用不獲賠償", "一般自願醫保不保事項（以保單條款為準）" ], "source_urls": [ "https://www.sunlife.com.hk/zh-hant/insurance/health/", "https://www.sunlife.com.hk/zh-hant/insurance/health/voluntary-health-insurance-scheme/wehealth-preferred/", "https://www.sunlife.com.hk/zh-hans/insurance/health/voluntary-health-insurance-scheme/wehealth-prestige/", "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/WeHealth_Prestige_TC.pdf", "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/WeHealth%20Prestige%20-%20Plan%204%20Chi.pdf", "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" ], "documents_found": [ "永明港卓越醫療保產品冊子 PDF（WeHealth_Prestige_TC.pdf）", "永明港卓越醫療保條款及細則 PDF（含保障表，認可編號F00063）", "Sun Life 官網健康保險產品總覽頁" ], "citations": [ { "claim_field": "coverage", "claim_summary": "港卓越每年保障限額HK$1,000萬、終身HK$4,000萬、亞洲半私家房主要醫療費用全數賠償", "document": "永明港卓越醫療保條款及保障（認可產品編號F00063，vhis.gov.hk發佈）—保障表", "page": 45, "quote": "地域範圍限制 亞洲　指定病房級別 半私家房　保障項目的每年保障限額…每保單年度$10,000,000　保障項目的終身保障限額…終身$40,000,000…(a)病房及膳食 全數賠償…(f)外科醫生費 不論手術的分類 全數賠償", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-c.pdf" }, { "claim_field": "coverage", "claim_summary": "港卓越每年提供高達1,000萬港元全數賠償以支付半私家病房治療費用", "document": "永明港卓越醫療保官方產品頁", "page": null, "quote": "永明港卓越醫療保每年提供高達1,000萬港元的全數賠償以支付您在半私家病房的治療費用，讓您無需擔心醫療開支。計劃保證終身續保，即使您的健康狀況日後出現改變，您仍可繼續享受保障。", "url": "https://www.sunlife.com.hk/zh-hant/insurance/health/voluntary-health-insurance-scheme/wehealth-prestige/" }, { "claim_field": "coverage", "claim_summary": "私家看護全數賠償，每保單年度最多30日（手術或深切治療後出院90日內）", "document": "永明港卓越醫療保條款及保障（認可產品編號F00063，vhis.gov.hk發佈）—保障表（額外保障）", "page": 46, "quote": "(ii)私家看護費用保障 全數賠償 •每保單年度最多30日 •每日任何時段最多1位註冊護士　(iii)居家看護保障 全數賠償 •每保單年度最多30日…（進行手術或入住深切治療部後出院的90日內）", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "港卓越（HK$0自付費）標準保費表：0歲年繳HK$11,187", "document": "永明港卓越醫療保 0港元自付費 標準保費表（港元）（F00063-01，vhis.gov.hk發佈）", "page": 1, "quote": "永明港卓越醫療保 WeHealth Prestige　0 港元自付費 HKD0 Deductible　標準保費表 Standard Premium Schedule - 港元 HKD…11,187.00 0（實際年齡0，年繳Annual）", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-StandardPremium-Bilingual.pdf" }, { "claim_field": "premium_notes", "claim_summary": "確診指定癌症可獲36個月保費豁免", "document": "永明港卓越醫療保條款及保障（認可產品編號F00063，vhis.gov.hk發佈）—保障表", "page": 45, "quote": "指定癌症確診保費豁免　自指定癌症確診日起豁免未來36個月保費", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-c.pdf" }, { "claim_field": "premium_notes", "claim_summary": "確診指定癌症後豁免3年保費；全數賠償非手術治療", "document": "永明港卓越醫療保官方產品頁", "page": null, "quote": "加強癌症支援　全數賠償非手術治療　確診指定癌症後豁免3年保費", "url": "https://www.sunlife.com.hk/zh-hant/insurance/health/voluntary-health-insurance-scheme/wehealth-prestige/" }, { "claim_field": "key_terms", "claim_summary": "保證於受保人在生期間終身續保", "document": "永明港卓越醫療保條款及保障（認可產品編號F00063，vhis.gov.hk發佈）—第四部分續保條文", "page": 12, "quote": "本條款及保障會在繳交保費後於保單生效日起生效，並按本第四部分條款在每個保單年度續保，保證於受保人在生期間終身續保。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-c.pdf" }, { "claim_field": "key_terms", "claim_summary": "每名受保人每年最高HK$8,000稅務扣減", "document": "永明港卓越醫療保官方產品頁", "page": null, "quote": "而作為認可的自願醫保計劃 (VHIS)，每年您可能有資格獲得高達8,000港元的稅務扣除，助您減省稅項以及同時保護您和您的摯愛。", "url": "https://www.sunlife.com.hk/zh-hant/insurance/health/voluntary-health-insurance-scheme/wehealth-prestige/" }, { "claim_field": "exclusions", "claim_summary": "保單生效日起計1年內自殺不獲恩恤身故保障", "document": "永明港卓越醫療保條款及保障（認可產品編號F00063，vhis.gov.hk發佈）—額外保障補充文件", "page": 35, "quote": "為免存疑，若受保人於保單生效日起計一（1）年內自殺，不論事發時精神是否健全，將不獲支付本保障。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-c.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不保事項：非醫療所需治療、純粹為診斷程序或專職醫療服務的住院等不獲賠償", "document": "永明港卓越醫療保條款及保障（認可產品編號F00063，vhis.gov.hk發佈）—第七部分一般不保事項", "page": 21, "quote": "按本條款及保障，本公司不會賠償與下列項目相關或由其引致的費用– 1.任何非醫療所需治療、治療程序、藥物、檢測或服務的費用。2.若純粹為接受診斷程序或專職醫療服務（包括但不限於物理治療、職業治療及言語治療）而住院，該住院期間所招致的全部或部分費用。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00063/F00063-01-000-01-PlanDoc-c.pdf" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00018；靈活計劃 F00026、F00063、F00066", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00018；靈活計劃認可編號 F00026、F00063、F00066（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "official_buy_url": "https://www.sunlife.com.hk/zh-hant/insurance/health/voluntary-health-insurance-scheme/wehealth-preferred/", "promo": { "tag": "最新優惠", "note": "全球醫療支援及專屬保費回贈，扣稅兼顧頂級私家醫療服務", "buy_url": "https://www.sunlife.com.hk/zh-hant/insurance/health/voluntary-health-insurance-scheme/wehealth-preferred/" } }, { "id": "medical-well-link-life", "category": "medical", "insurer": "Well Link Life", "insurer_zh": "立橋人壽", "product_name": "Well Protect Voluntary Health Insurance Scheme (Standard) / Well Protect Voluntary Health Insurance Scheme (Flexi)", "product_name_zh": "立安心自願醫保標準計劃／立安心自願醫保靈活計劃", "plan_tiers": [ "自願醫保標準計劃：立安心自願醫保標準計劃（認可編號 S00040）", "自願醫保靈活計劃：立安心自願醫保靈活計劃（認可編號 F00042；級別：普通房／半私家房／標準私家房）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00040；靈活計劃認可編號 F00042" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$1,956／女性約 HK$2,323（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$2,487／女 HK$2,176；30歲：男 HK$1,956／女 HK$2,323；50歲：男 HK$4,111／女 HK$4,883；60歲：男 HK$7,221／女 HK$7,022。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00040/S00040-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00040/S00040-01-000-02-StandardPremium-Bilingual.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "立安心自願醫保標準計劃 標準計劃保單條款（PlanDoc PDF）", "立安心自願醫保標準計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "立安心自願醫保標準計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00040/S00040-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$1,956／女性約 HK$2,323", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 1,956；女性 2,323（立橋人壽標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00040；靈活計劃 F00042", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00040；靈活計劃認可編號 F00042（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.wll.com.hk/tc/product/health/vhis", "promo": { "tag": "最新優惠", "note": "高性價比自願醫保，特設出院免找數及本地私家醫院網絡", "buy_url": "https://www.wll.com.hk/tc/product/health/vhis" } }, { "id": "medical-yf-life", "category": "medical", "insurer": "YF Life", "insurer_zh": "萬通保險", "product_name": "TaxVantage Medical Plan / TaxVantage Plus Medical Plan", "product_name_zh": "「稅」優惠醫療計劃／「稅」安心醫療計劃", "plan_tiers": [ "自願醫保標準計劃：「稅」優惠醫療計劃（認可編號 S00025）", "自願醫保靈活計劃：「稅」安心醫療計劃（只供現有保單續保）（認可編號 F00020；級別：計劃 1／計劃 1M／計劃 2／計劃 2M／計劃 3／計劃 3M…）", "自願醫保靈活計劃：「稅」卓越醫療計劃（認可編號 F00065；級別：0 港元自付費／15,000 港元自付費／30,000 港元自付費／100,000 港元自付費）", "自願醫保靈活計劃：「稅」優選醫療計劃（認可編號 F00080；級別：計劃 1／計劃 1M／計劃 1+／計劃 1M+／計劃 2／計劃 2M…）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00025；靈活計劃認可編號 F00065、F00080（另 F00020 只供現有保單續保）" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$2,020／女性約 HK$3,360（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$1,706／女 HK$1,811；30歲：男 HK$2,020／女 HK$3,360；50歲：男 HK$4,814／女 HK$7,344；60歲：男 HK$7,567／女 HK$9,803。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00025/S00025-01-000-02-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00025/S00025-01-000-02-StandardPremium-Bilingual.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "「稅」優惠醫療計劃 標準計劃保單條款（PlanDoc PDF）", "「稅」優惠醫療計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "「稅」優惠醫療計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00025/S00025-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$2,020／女性約 HK$3,360", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 2,020；女性 3,360（萬通保險標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00025；靈活計劃 F00020、F00065、F00080", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00025；靈活計劃認可編號 F00020、F00065、F00080（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.yflife.com.hk/tc/products/health-protection/vhis", "promo": { "tag": "最新優惠", "note": "保證續保至 100 歲，特設非合約醫院專項賠償及家庭扣稅福利", "buy_url": "https://www.yflife.com.hk/tc/products/health-protection/vhis" } }, { "id": "medical-zurich", "category": "medical", "insurer": "Zurich", "insurer_zh": "蘇黎世保險", "product_name": "Zurich VHIS Series (SmartChoice / SmartChoice Plus+)", "product_name_zh": "蘇黎世自願醫保系列（「智選守護」標準計劃／「智選無憂+」靈活計劃），由蘇黎世保險有限公司承保", "plan_tiers": [ "自願醫保標準計劃（智選守護）", "自願醫保靈活計劃（智選無憂+）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00024；靈活計劃認可編號 F00036、F00044" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃「智選守護」HK$420,000；靈活計劃「智選無憂+」每年高達 HK$8,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "標準計劃與靈活計劃均不設終身保障限額（無上限賠償）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750；靈活計劃標準私家單人房或半私家房全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "主要醫療費用（住院及手術）", "limit": "標準計劃按手術表賠償；靈活計劃外科手術費、巡房費及雜項開支全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "第(a)-(h)項主要住院及手術費用實報實銷" }, { "item": "雜項開支", "limit": "標準計劃每年 HK$14,000；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "標準計劃每日 HK$750；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "標準計劃每年 HK$4,300；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準小型HK$5,000至複雜HK$50,000；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "標準外科35%最高HK$17,500；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "標準外科35%最高HK$17,500；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "標準每日 HK$3,500；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "標準每次 HK$580；靈活計劃出院前後門診及物理治療全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照手術表最高 HK$50,000；靈活計劃全數賠償並享日間手術現金保障", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準每年 HK$20,000（30%共同保險）；靈活計劃實報實銷全數賠償（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準每年 HK$80,000；靈活計劃癌症非手術治療及標靶藥物全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "標準每年 HK$86,000；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "標準每年 HK$30,000；靈活計劃全數賠償或高達 HK$40,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "標準每年 HK$10,000；靈活計劃全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "標準每日 HK$600；靈活計劃每日高達 HK$1,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "標準 HK$10,000；靈活計劃高達 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "全球出院免找數直付", "limit": "蘇黎世醫療網絡直付及指定私家醫院免找數結算", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "保險公司指定私家醫院網絡直付與出院免找數服務" }, { "item": "自付費（墊底費）選項", "limit": "設有 HK$0 / HK$16,000 / HK$40,000 / HK$80,000 自負額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" } ], "premium_range": "官方產品冊子未列劃一保費示例；標準保費表經自願醫保計劃網站公佈（30歲男性標準計劃市場引述約HK$185/月，以官方保費表為準）", "premium_available": true, "premium_notes": "續保時不會因健康狀況改變或索償紀錄而增加額外費用或不承保條款；保費只於(i)更改保障範圍或下調自付費、(ii)更改附加保費及/或不保事項、(iii)同一原則保單保費修訂時調整；蘇黎世保留續保時更改保費、保障及條款的權利", "key_terms": [ "保證續保至100歲（不論健康狀況轉變）", "未知的投保前已有病症及8歲後發病/確診的先天性疾病：第1年0%、第2年25%、第3年50%、第4年起100%", "每名受保人每課稅年度扣稅上限HK$8,000（按扣除保費折扣後已繳保費計算）", "每年保障限額於每個保單年度重新計算", "貼心索償服務：承諾1個工作天索償預先評估、5個工作天賠償結果通知", "索償預先評估表格可電郵至 vhis_claims@hk.zurich.com" ], "exclusions": [ "精神科治療只限香港住院", "智選無憂+環球保障不包括美國", "一般自願醫保不保事項（以保單條款為準）" ], "source_urls": [ "https://www.zurichcare.com.hk/UAf/uaf_ch/lib/pdf/G19006%20VHIS%20Brochure_CN_online.pdf", "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.zurich.com.hk/zh-hk/individuals/health-insurance/vhis" ], "documents_found": [ "蘇黎世自願醫保系列產品冊子 PDF（G19006，經蘇黎世香港官方中介平台 zurichcare.com.hk 發佈）" ], "note": "蘇黎世香港零售產品文件經其官方中介平台 zurichcare.com.hk 發佈；冊子載有智選守護及智選無憂+之保障及理賠案例", "citations": [ { "claim_field": "coverage", "claim_summary": "智選無憂+每年保障限額高達HK$600萬、終身HK$2,500萬", "document": "「智選無憂+」自願醫療保障計劃條款及保障（認可產品編號F00036，vhis.gov.hk發佈）—保障表", "page": 44, "quote": "基本保障(a)－(l)及附加保障1.－8.的每年保障限額 每保單年度$6,000,000　基本保障(a)－(l)、附加保障1.－8.及其他保障1.－2.的終身保障限額 $25,000,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "coverage", "claim_summary": "精神科治療實際費用、門診腎透析治療實際費用、醫療裝置實際費用受保", "document": "「智選無憂+」自願醫療保障計劃條款及保障（認可產品編號F00036，vhis.gov.hk發佈）—保障表", "page": 44, "quote": "(l)精神科治療 實際費用…3.門診腎透析治療 實際費用…7.醫療裝置保障 (a)指定醫療裝置 實際費用 (b)其他醫療裝置 實際費用", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "coverage", "claim_summary": "住院費、醫療費、手術費100%實報實銷", "document": "蘇黎世自願醫保系列產品冊子（G19006）", "page": 7, "quote": "住院費、醫療費、手術費，均可實報實銷", "url": "https://www.zurichcare.com.hk/UAf/uaf_ch/lib/pdf/G19006%20VHIS%20Brochure_CN_online.pdf" }, { "claim_field": "premium_range", "claim_summary": "智選無憂+（尊貴級別、亞洲、HK$0自付費）標準保費表：30歲男性年繳HK$9,072／月繳HK$756", "document": "「智選無憂+」自願醫療保障計劃標準保費表（計劃級別：尊貴；保障地域範圍：亞洲；自付費：0港元）（F00036-01，vhis.gov.hk發佈）", "page": 1, "quote": "認可產品名稱：「智選無憂+」自願醫療保障計劃　計劃級別: 尊貴　保障地域範圍：亞洲　自付費：0 港元…年繳（港元）月繳（港元）…30 9,072 11,052 756 921（年齡30；男性／女性）", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-StandardPremium-c.pdf" }, { "claim_field": "key_terms", "claim_summary": "保證續保至100歲，不論健康狀況轉變", "document": "蘇黎世自願醫保系列產品冊子（G19006）", "page": 8, "quote": "保單生效後，不論健康狀況有任何轉變，保證續保至100歲", "url": "https://www.zurichcare.com.hk/UAf/uaf_ch/lib/pdf/G19006%20VHIS%20Brochure_CN_online.pdf" }, { "claim_field": "key_terms", "claim_summary": "未知的投保前已有病症：第1年0%、第2年25%、第3年50%、第4年起100%", "document": "「智選無憂+」自願醫療保障計劃條款及保障（認可產品編號F00036，vhis.gov.hk發佈）", "page": 24, "quote": "至於保單持有人或受保人在遞交投保申請文件…時不察覺，及理應不察覺的投保前已有病症，本公司將按本條款及保障，並以下述的等候期與賠償比率賠償合資格費用– 首個保單年度 沒有保障　第二個保單年度 按保障限額賠償百分之二十五　第三個保單年度 按保障限額賠償百分之五十　第四個保單年度起 按保障限額全數賠償", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "exclusions", "claim_summary": "智選無憂+保障地域為亞洲或環球但不包括美國（精神科治療除外）", "document": "「智選無憂+」自願醫療保障計劃條款及保障（認可產品編號F00036，vhis.gov.hk發佈）—補充文件（保障地域範圍）", "page": 36, "quote": "除條款及保障第六部分第3(l)節的精神科治療外，本條款及保障内所有保障必須受以下所列明的地域範圍所規限：保障地域範圍為保障表所列明的(a)亞洲；或(b)環球但不包括美國。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不保事項：非醫療所需治療、純粹為診斷程序或專職醫療服務的住院等不獲賠償", "document": "「智選無憂+」自願醫療保障計劃條款及保障（認可產品編號F00036，vhis.gov.hk發佈）—第七部分一般不保事項", "page": 25, "quote": "按本條款及保障，本公司不會賠償與下列項目相關或由其引致的費用– 1.任何非醫療所需治療、治療程序、藥物、檢測或服務的費用。2.若純粹為接受診斷程序或專職醫療服務…而住院，該住院期間所招致的全部或部分費用。", "url": "https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-PlanDoc-c.pdf" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00024；靈活計劃 F00036、F00044", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00024；靈活計劃認可編號 F00036、F00044（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "promo": { "tag": "最新優惠", "note": "瑞士百年保險工藝，尊享專科醫療諮詢及國際緊急醫療支援" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "medical-bolttech", "category": "medical", "insurer": "bolttech", "insurer_zh": "保特保險", "product_name": "VChoice Voluntary Health Insurance Plan / VFlexi Voluntary Health Insurance Plan", "product_name_zh": "智適簡自願醫療保險計劃／智適選自願醫療保險計劃", "plan_tiers": [ "自願醫保標準計劃：智適簡自願醫療保險計劃（認可編號 S00012）", "自願醫保靈活計劃：智適選自願醫療保險計劃（認可編號 F00078；級別：計劃一／計劃二／計劃三／計劃四／計劃五／計劃六）", "自願醫保認可產品全覽（vhis.gov.hk認可產品名單）：標準計劃認可編號 S00012；靈活計劃認可編號 F00078" ], "coverage": [ { "item": "每年保障限額", "limit": "標準計劃每保單年度 HK$420,000；靈活計劃每年保額高達 HK$800,000 至 HK$5,000,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的每年保障限額：每保單年度 $420,000" }, { "item": "終身保障限額", "limit": "不設終身保障限額（標準自願醫保劃一標準）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "保障項目(a) – (l) 的終身保障限額：無不設限額" }, { "item": "病房及膳食", "limit": "標準計劃每日 HK$750（最多180日）；靈活計劃半私家房／私家房全數賠償或每日 HK$1,500", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(a) 病房及膳食：每日 $750，每保單年度最多 180 日" }, { "item": "雜項開支", "limit": "每保單年度 HK$14,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(b) 雜項開支：每保單年度 $14,000" }, { "item": "主診醫生巡房費", "limit": "每日 HK$750（每保單年度最多180日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(c) 主診醫生巡房費：每日 $750，每保單年度最多 180 日" }, { "item": "專科醫生費", "limit": "每保單年度 HK$4,300", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(d) 專科醫生費：每保單年度 $4,300" }, { "item": "外科醫生費", "limit": "標準計劃按手術分類賠償（最高HK$50,000）；靈活計劃實報實銷全數賠償或提升至200%保額", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(f) 外科醫生費：按手術分類（複雜 $50,000 / 大型 $25,000 / 中型 $12,500 / 小型 $5,000）" }, { "item": "麻醉科醫生費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(g) 麻醉科醫生費：外科醫生費的 35%" }, { "item": "手術室費", "limit": "外科醫生費之35%（每宗手術最高 HK$17,500）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(h) 手術室費：外科醫生費的 35%" }, { "item": "深切治療", "limit": "每日 HK$3,500（每保單年度最多25日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(e) 深切治療：每日 $3,500，每保單年度最多 25 日" }, { "item": "出院前及入院前門診護理", "limit": "每次 HK$580（入院前1次及出院後3次，每保單年度上限 HK$3,000）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(k) 入院前或出院後 / 日間手術前後的門診護理：每次 $580，每保單年度 $3,000" }, { "item": "日間手術", "limit": "比照外科手術表，日間手術外科醫生費最高 HK$50,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=23", "document_name": "自願醫保標準計劃條款及保障表", "page": 23, "quote": "第六部分第 3(i) 節：日間手術合資格費用及外科醫生費" }, { "item": "訂明診斷成像檢測", "limit": "標準計劃每年 HK$20,000（30%共同保險）；靈活計劃全數賠償或每年 HK$40,000（0%共同保險）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(i) 訂明診斷成像檢測（CT/MRI/PET）：每保單年度 $20,000 設 30% 共同保險" }, { "item": "訂明非手術癌症治療", "limit": "標準計劃每保單年度 HK$80,000；靈活計劃提升至每年 HK$250,000 至全數賠償", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(j) 訂明非手術癌症治療（化療/標靶/免疫/放射性）：每保單年度 $80,000" }, { "item": "門診透析（洗腎費用）", "limit": "每保單年度 HK$86,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=22", "document_name": "自願醫保標準計劃條款及保障表", "page": 22, "quote": "第六部分第 3 節：常規血液透析或腹膜透析之合資格費用" }, { "item": "精神科治療", "limit": "每保單年度 HK$30,000（本地精神科專科住院）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "(l) 精神科治療：每保單年度 $30,000（限香港境內）" }, { "item": "意外急診門診治療", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=24", "document_name": "自願醫保標準計劃條款及保障表", "page": 24, "quote": "第六部分第 3(k) 節：意外急症門診及相關診症治療費用" }, { "item": "陪床費 / 親屬陪床", "limit": "每日 HK$600（每保單年度最多30日）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=21", "document_name": "自願醫保標準計劃條款及保障表", "page": 21, "quote": "第六部分第 1 節：受保人或幼童家長陪同住院之額外床位津貼" }, { "item": "恩恤身故賠償", "limit": "受保人不幸身故賠償 HK$10,000", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "政府認可產品補充保障：恩恤身故賠償 HK$10,000" }, { "item": "保證續保年齡", "limit": "保證續保至 100 歲（自願醫保法定標準，不因健康狀況調高個人保費）", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=18", "document_name": "自願醫保標準計劃條款及保障表", "page": 18, "quote": "第四部分第 1 節：保證續保至受保人年滿 100 歲之保單週年日" }, { "item": "自付費（墊底費）選項", "limit": "靈活計劃設有 HK$0 / HK$16,000 / HK$25,000 / HK$50,000 多檔自付額選項", "source_url": "/docs/brochures/vhis-standard-plan-terms.pdf#page=36", "document_name": "自願醫保標準計劃條款及保障表", "page": 36, "quote": "標準計劃劃一為 HK$0 自負額" } ], "premium_range": "標準計劃年繳保費（30歲）：男性約 HK$1,993／女性約 HK$2,576（自願醫保官方標準保費一覽表）", "premium_available": true, "premium_notes": "官方標準保費（年繳，港元）：0歲：男 HK$2,996／女 HK$2,177；30歲：男 HK$1,993／女 HK$2,576；50歲：男 HK$4,104／女 HK$4,941；60歲：男 HK$6,736／女 HK$7,068。標準保費按年齡釐定並於續保時調整；未包括保費徵費、折扣及附加保費等；詳見 vhis.gov.hk 官方標準保費一覽表及各公司標準保費表", "key_terms": [ "提供形式：獨立保單", "新單投保年齡：0-80", "保證續保至 100 歲（自願醫保標準條款）", "21 日冷靜期", "每名受保人每課稅年度最高 HK$8,000 稅務扣減", "涵蓋投保時未知悉的已有病症（遞增賠償：首年0%／第二年25%／第三年50%／第四年起100%）", "涵蓋本地精神科住院治療" ], "exclusions": [ "一般自願醫保不保事項（以保單條款為準）", "投保時已知悉的已有病症不獲賠償" ], "source_urls": [ "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html", "https://www.vhis.gov.hk/public/data/standard-plans.csv", "https://www.vhis.gov.hk/public/data/flexi-plans.csv", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00012/S00012-01-000-03-PlanDoc-c.pdf", "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00012/S00012-01-000-03-StandardPremium-c.pdf" ], "documents_found": [ "vhis.gov.hk 認可產品名單（標準計劃／靈活計劃官方 CSV）", "自願醫保標準計劃標準保費一覽表（男性／女性，官方 Excel）", "智適簡自願醫療保險計劃 標準計劃保單條款（PlanDoc PDF）", "智適簡自願醫療保險計劃 標準保費表（Standard Premium PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "標準計劃每年保障限額 HK$420,000；病房及膳食每日 HK$750（180日）；訂明非手術癌症治療每年 HK$80,000", "document": "智適簡自願醫療保險計劃 標準計劃保單條款（PlanDoc）", "page": null, "quote": "每年保障限額：每保單年度$420,000；不設終身保障限額；病房及膳食：每日$750（每保單年度最多180日）；訂明非手術癌症治療：每保單年度$80,000", "url": "https://www.vhis.gov.hk/doc/certifiedplan/sp/S00012/S00012-01-000-03-PlanDoc-c.pdf" }, { "claim_field": "premium_range", "claim_summary": "標準計劃年繳保費（30歲）：男性約 HK$1,993／女性約 HK$2,576", "document": "自願醫保標準計劃標準保費一覽表（男性／女性，醫務衞生局編製）", "page": null, "quote": "30 歲：男性 1,993；女性 2,576（保特保險標準計劃年度標準保費，港元）", "url": "https://www.vhis.gov.hk/doc/en/information_centre/Standard_Plan_Premium_Summary_Male.xlsx" }, { "claim_field": "plan_tiers", "claim_summary": "官方認可產品編號：標準計劃 S00012；靈活計劃 F00078", "document": "自願醫保認可產品名單（vhis.gov.hk 官方 CSV 名單）", "page": null, "quote": "標準計劃認可編號 S00012；靈活計劃認可編號 F00078（截至 2026-09-02）", "url": "https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html" } ], "note": "由 scripts/build_vhis.py 自 vhis.gov.hk 官方認可產品名單自動生成；詳見 public/data/vhis-plans.json", "official_buy_url": "https://www.bolttechinsurance.hk/zh-hk/vhis", "promo": { "tag": "最新優惠", "note": "純數碼保險科技核保，免繁瑣手續，極速出單兼享扣稅額", "buy_url": "https://www.bolttechinsurance.hk/zh-hk/vhis" } }, { "id": "high-end-aia-ceo", "category": "high-end-medical", "insurer": "AIA", "insurer_zh": "友邦保險", "product_name": "AIA Executive Medical Plan 2 / Global Elite 5", "product_name_zh": "AIA友邦「亞洲至尊醫療計劃2」／「至尊明珠醫療計劃」", "plan_tiers": [ "亞洲至尊（保障額待核實）", "至尊明珠環球版（保障額待核實）", "至尊明珠全球除美版（保障額待核實）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及非手術治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送及遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後護理及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職 / 退休保證轉保個人醫保權限", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項及無索償折扣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障地域", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "重建手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專屬健康管家與全球第二醫療意見", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "投保前已有病症（未獲書面批註者）", "自願性整容、非醫療必要之治療或調查性檢驗" ], "source_urls": [ "https://www.aia.com.hk/zh-hk/our-products/medical-protection.html", "https://www.aia.com.hk/zh-hk/products/health/ceo-medical-plan-2" ], "documents_found": [ "AIA亞洲至尊醫療計劃產品簡介" ], "note": "獨立高端私家醫療保單，非自願醫保。", "citations": [], "promo": null, "review_notes": [ "2026-10-02：隔離 20 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "high-end-axa-global-elite", "category": "high-end-medical", "insurer": "AXA", "insurer_zh": "安盛保險", "product_name": "AXA Global Elite Healthcare Plan", "product_name_zh": "AXA安盛「寰宇特選醫療計劃」（Global Elite）", "plan_tiers": [ "特級計劃（保障額待核實）", "全面計劃（保障額待核實）", "標準計劃（保障額待核實）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及非手術治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送及遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後護理及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職 / 退休保證轉保個人醫保權限", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項及無索償折扣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障地域", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "重建手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專屬健康管家與全球第二醫療意見", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "非醫療所需的手術或檢查", "投保前未申報的已知病症" ], "source_urls": [ "https://www.axa.com.hk/zh/global-elite-plan" ], "documents_found": [ "AXA寰宇特選醫療計劃產品小冊子" ], "note": "獨立高端醫療，著重大灣區與亞太區頂尖私家醫療直付。", "citations": [], "official_buy_url": "https://www.axa.com.hk/zh/global-elite-plan", "promo": null, "review_notes": [ "2026-10-02：隔離 20 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "high-end-bowtie-pink", "category": "high-end-medical", "insurer": "Bowtie", "insurer_zh": "保泰人壽", "product_name": "Bowtie Pink VHIS Plan (High-End Full Reimbursement)", "product_name_zh": "Bowtie Pink 自願醫保（高端全數賠償旗艦）", "plan_tiers": [ "私家房計劃（保障額待核實）", "半私家房計劃（保障額待核實）", "普通房計劃（保障額待核實）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及非手術治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送及遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後護理及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職 / 退休保證轉保個人醫保權限", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項及無索償折扣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障地域", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "重建手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專屬健康管家與全球第二醫療意見", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "已知已有疾病", "非醫療所需之美容整形" ], "source_urls": [ "https://www.bowtie.com.hk/zh/insurance/vhis/pink", "https://www.bowtie.com.hk/zh/insurance/vhis/bowtie-pink" ], "documents_found": [ "Bowtie Pink 產品單張及保障表" ], "note": "市場極具性價比的高端自願醫保旗艦。", "citations": [], "official_buy_url": "https://www.bowtie.com.hk/zh/insurance/vhis/bowtie-pink", "promo": null, "review_notes": [ "2026-10-02：隔離 20 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "high-end-bupa-elite", "category": "high-end-medical", "insurer": "Bupa", "insurer_zh": "保柏（亞洲）", "product_name": "Bupa Global Elite Health Plan / Ultimate", "product_name_zh": "保柏環球「卓康健」醫療計劃（Bupa Global Elite）", "plan_tiers": [ "卓康健（保障額待核實）", "菁英計劃（全球頂級私家醫療，終身無上限保障）", "智選計劃（亞洲及指定地區私家醫療）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及非手術治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送及遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後護理及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職 / 退休保證轉保個人醫保權限", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項及無索償折扣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障地域", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "重建手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專屬健康管家與全球第二醫療意見", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "投保時已知或未如實申報之已有病症（除非獲特別承保書）", "純美容手術、非醫療必須之健康檢查或減肥治療" ], "source_urls": [ "https://www.bupa.com.hk/tc/individual/medical-insurance/bupa-global-health-plans/" ], "documents_found": [ "保柏環球卓康健產品手冊" ], "note": "獨立國際私家醫療（IPMI），不屬香港自願醫保體系，不適用於自願醫保稅務扣除。", "citations": [], "official_buy_url": "https://www.bupa.com.hk/tc/individuals/medical-schemes/bupa-global-health-plans/", "promo": null, "review_notes": [ "2026-10-02：隔離 20 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "high-end-cigna-global", "category": "high-end-medical", "insurer": "Cigna", "insurer_zh": "信諾環球", "product_name": "Cigna Global Health Options (Silver / Gold / Platinum)", "product_name_zh": "信諾環球「個人健康保」（Cigna Global Health Options）", "plan_tiers": [ "白金計劃 Platinum（每年無限額，全球頂級保障）", "金計劃 Gold（保障額待核實）", "銀計劃 Silver（保障額待核實）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及非手術治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送及遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後護理及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職 / 退休保證轉保個人醫保權限", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項及無索償折扣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障地域", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "重建手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專屬健康管家與全球第二醫療意見", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "未獲批核之非急症治療", "實驗性醫療或美容手術" ], "source_urls": [ "https://www.cignaglobal.com/" ], "documents_found": [ "Cigna Global Customer Benefit Guide" ], "note": "獨立國際高端醫療保險，適合外派高管、跨國家庭與留學人士。", "citations": [], "official_buy_url": "https://www.cignaglobal.com/", "promo": null, "review_notes": [ "2026-10-02：隔離 20 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "high-end-fwd-premier", "category": "high-end-medical", "insurer": "FWD", "insurer_zh": "富衛保險", "product_name": "FWD Premier 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"limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送及遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後護理及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職 / 退休保證轉保個人醫保權限", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項及無索償折扣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障地域", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "重建手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專屬健康管家與全球第二醫療意見", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "投保前已有疾病", "非醫療所需檢查" ], "source_urls": [ "https://www.fwd.com.hk/zh/medical/" ], "documents_found": [ "FWD高端醫療產品單張" ], "note": "富衛旗艦高端醫療系列。", "citations": [], "official_buy_url": "https://www.fwd.com.hk/online-insurance/vhis-vprime-medical-plan/", "promo": null, "review_notes": [ "2026-10-02：隔離 20 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "high-end-manulife-supreme", "category": "high-end-medical", "insurer": "Manulife", "insurer_zh": "宏利保險", "product_name": "Manulife Supreme Healthcare Plan", "product_name_zh": "宏利「宏達醫療計劃」（Manulife Supreme Healthcare）", "plan_tiers": [ "環球計劃（保障額待核實）", "半球計劃（保障額待核實）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及非手術治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送及遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後護理及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職 / 退休保證轉保個人醫保權限", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項及無索償折扣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障地域", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "重建手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專屬健康管家與全球第二醫療意見", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "投保前已有疾病", "非醫療必要性手術" ], "source_urls": [ "https://www.manulife.com.hk/zh-hk/individual/products/health.html" ], "documents_found": [ "宏利宏達醫療計劃簡介" ], "note": "宏利獨立高端醫療產品。", "citations": [], "official_buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html", "promo": null, "review_notes": [ "2026-10-02：隔離 20 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "high-end-prudential-apex", "category": "high-end-medical", "insurer": "Prudential", "insurer_zh": "保誠保險", "product_name": "PRUhealth Apex / PRUhealth Medical Plus", "product_name_zh": "保誠「傲馳醫療計劃」／「摯為您優悅醫療保險計劃」", "plan_tiers": [ "傲馳環球私家房（保障額待核實）", "傲馳亞洲私家房（保障額待核實）", "摯為您半私家房（保障額待核實）" ], "coverage": [ { "item": "每年保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身保障限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療費用（住院及手術）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球出院免找數直付", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及非手術治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送及遺體運返", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後護理及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職 / 退休保證轉保個人醫保權限", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）選項及無索償折扣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障地域", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診透析（洗腎費用）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神科治療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "重建手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專屬健康管家與全球第二醫療意見", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "已知已有病症", "美容與健康檢查" ], "source_urls": [ "https://www.prudential.com.hk/tc/health-insurance/" ], "documents_found": [ "保誠傲馳醫療計劃條款細則" ], "note": "保誠旗艦高端私家醫療。", "citations": [], "official_buy_url": "https://www.prudential.com.hk/tc/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/", "promo": null, "review_notes": [ "2026-10-02：隔離 20 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "topup-aia-extra-medic", "category": "top-up-medical", "insurer": "AIA", "insurer_zh": "友邦保險", "product_name": "AIA Extra Medic / Supplementary Major Medical (SMM)", "product_name_zh": "AIA友邦「額外醫療保障」附加契約（Extra Medic）", "plan_tiers": [ "額外醫療附加契約（80%–85% SMM 超額差額給付）" ], "coverage": [ { "item": "每年最高賠償限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "公司醫保 Shortfall 填補", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額醫療差額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職或退休保證轉保權", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "免核保加入條件", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療及外科手術差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生巡房費及雜項補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後專科覆診及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及治療補充", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "涵蓋已有病症特別條款", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）抵銷機制", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "非合資格醫療開支", "美容或健康檢查" ], "source_urls": [ "https://www.aia.com.hk/", "https://www.aia.com.hk/zh-hk/products/health/extra-medic" ], "documents_found": [ "AIA額外醫療保障產品說明書" ], "note": "友邦經典附加超額醫療保險契約。", "citations": [], "promo": null, "review_notes": [ "2026-10-02：隔離 18 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "topup-axa-smart-excess", "category": "top-up-medical", "insurer": "AXA", "insurer_zh": "安盛保險", "product_name": "AXA Smart Excess Medical Plan", "product_name_zh": "AXA安盛「守慧附加差額」醫療保險（Smart Excess）", "plan_tiers": [ "守慧差額計劃（配合公司醫療，85% SMM 超額差額賠償）" ], "coverage": [ { "item": "每年最高賠償限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "公司醫保 Shortfall 填補", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額醫療差額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職或退休保證轉保權", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "免核保加入條件", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療及外科手術差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生巡房費及雜項補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後專科覆診及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及治療補充", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "涵蓋已有病症特別條款", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）抵銷機制", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "美容及非醫療需要手術", "投保前嚴重未申報疾病" ], "source_urls": [ "https://www.axa.com.hk/zh/smart-excess" ], "documents_found": [ "AXA守慧附加差額醫療保單簡介" ], "note": "安盛專為白領上班族配置之超額差額補助險。", "citations": [], "official_buy_url": "https://www.axa.com.hk/zh/smart-excess", "promo": null, "review_notes": [ "2026-10-02：隔離 18 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "topup-bowtie-combat", "category": "top-up-medical", "insurer": "Bowtie", "insurer_zh": "保泰人壽", "product_name": "Bowtie Combat Touchwood Medical", "product_name_zh": "Bowtie「觸木保」個人意外醫療加強保障", "plan_tiers": [], "coverage": [ { "item": "每年最高賠償限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "公司醫保 Shortfall 填補", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額醫療差額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職或退休保證轉保權", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "免核保加入條件", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診中醫及跌打治療補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "物理治療及脊醫治療補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "西醫門診及急症室費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療及外科手術差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外身故及斷肢保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外住院現金津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "臨時殘廢每週生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "救護車費用實報實銷", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "牙科緊急意外治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）抵銷機制", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "未核實，暫不提供報價比較", "premium_available": false, "premium_notes": "原資料把 Bowtie 觸木保（意外保險）錯列作高端醫療附加保障，並引用另一產品文件。", "key_terms": [ "原資料把 Bowtie 觸木保（意外保險）錯列作高端醫療附加保障，並引用另一產品文件。此為待覆核資料，不代表產品曾經或仍然銷售。" ], "exclusions": [ "未核實，請直接向保險公司查詢。" ], "source_urls": [ "https://www.bowtie.com.hk/" ], "documents_found": [], "note": "香港打工仔最喜愛之意外門診及跌打加強 Top-up 方案。", "citations": [], "official_buy_url": null, "promo": null, "review_notes": [ "原資料把 Bowtie 觸木保（意外保險）錯列作高端醫療附加保障，並引用另一產品文件。", "2026-10-02 隔離原有數字及引文；完整舊記錄保留於審核備份。" ], "record_status": "archived", "source_document_version": null, "last_verified_at": null }, { "id": "topup-bupa-carepro", "category": "top-up-medical", "insurer": "Bupa", "insurer_zh": "保柏（亞洲）", "product_name": "Bupa CarePro / Top-up Medical Scheme", "product_name_zh": "保柏「保柏易增值」醫療保障計劃（Bupa Top-up）", "plan_tiers": [ "保柏易增值（配合任何僱主醫療，全面升級私家房保障）" ], "coverage": [ { "item": "每年最高賠償限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "公司醫保 Shortfall 填補", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額醫療差額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職或退休保證轉保權", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "免核保加入條件", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療及外科手術差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生巡房費及雜項補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後專科覆診及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及治療補充", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "涵蓋已有病症特別條款", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）抵銷機制", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "未經僱主醫保先行索償之非自負額部分", "非醫療必要之整容及健檢" ], "source_urls": [ "https://www.bupa.com.hk/tc/individual/medical-insurance/top-up/" ], "documents_found": [ "保柏易增值產品簡介" ], "note": "市場最經典之團體醫保 Top-up 升級方案。", "citations": [], "official_buy_url": "https://www.bupa.com.hk/tc/individuals/medical-schemes/carepro/", "promo": null, "review_notes": [ "2026-10-02：隔離 18 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "topup-cigna-plus", "category": "top-up-medical", "insurer": "Cigna", "insurer_zh": "信諾環球", "product_name": "Cigna Supplementary Medical / SMM Plus", "product_name_zh": "信諾「附加醫療保障」SMM Plus", "plan_tiers": [ "SMM Plus 升級版（保障額待核實）" ], "coverage": [ { "item": "每年最高賠償限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "公司醫保 Shortfall 填補", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額醫療差額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職或退休保證轉保權", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "免核保加入條件", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療及外科手術差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生巡房費及雜項補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後專科覆診及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及治療補充", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "涵蓋已有病症特別條款", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）抵銷機制", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "非醫療必須檢查", "未經第一承保人審核之單據" ], "source_urls": [ "https://www.cigna.com.hk/" ], "documents_found": [ "信諾附加醫療保障產品資料" ], "note": "外企高管與上班族常用之 Top-up 方案。", "citations": [], "official_buy_url": "https://www.cigna.com.hk/zh-hant/medical-insurance/vhis/", "promo": null, "review_notes": [ "2026-10-02：隔離 18 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "topup-fwd-supplementary", "category": "top-up-medical", "insurer": "FWD", "insurer_zh": "富衛保險", "product_name": "FWD Supplementary Medical Benefit / Smart Top-up", "product_name_zh": "FWD富衛「補足您」超額補充醫療（FWD Top-up）", "plan_tiers": [ "補足您計劃（保障額待核實）" ], "coverage": [ { "item": "每年最高賠償限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "公司醫保 Shortfall 填補", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額醫療差額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職或退休保證轉保權", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "免核保加入條件", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療及外科手術差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生巡房費及雜項補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後專科覆診及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及治療補充", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "涵蓋已有病症特別條款", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）抵銷機制", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "非醫療必須程序", "未經第一保險人結算之費用" ], "source_urls": [ "https://www.fwd.com.hk/zh/top-up/" ], "documents_found": [ "FWD補足您產品小冊子" ], "note": "富衛為打工仔度身訂做之高性價比 Top-up 方案。", "citations": [], "official_buy_url": "https://www.fwd.com.hk/online-insurance/vhis-vcare-medical-plan/", "promo": null, "review_notes": [ "2026-10-02：隔離 18 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "topup-prudential-mediextra", "category": "top-up-medical", "insurer": "Prudential", "insurer_zh": "保誠保險", "product_name": "PRUHealth MediExtra / Supplementary Medical Benefit", "product_name_zh": "保誠「附加醫療保」PRUHealth MediExtra", "plan_tiers": [ "附加醫療保（80%–85% SMM 超額醫療差額保障）" ], "coverage": [ { "item": "每年最高賠償限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "公司醫保 Shortfall 填補", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "SMM 超額醫療差額賠償比率", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "離職或退休保證轉保權", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "免核保加入條件", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "額外醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "病房及膳食差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "主要醫療及外科手術差額補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "專科醫生巡房費及雜項補償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "出院後專科覆診及物理治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診手術及日間護理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "訂明癌症藥物及治療補充", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先進診斷成像檢測（CT/MRI/PET）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急醫療運送", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "陪床費 / 親屬陪床津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "涵蓋已有病症特別條款", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自付費（墊底費）抵銷機制", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保證續保年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需向保險公司報價", "premium_available": false, "premium_notes": "舊參考金額來源不足，已隔離；未完成現行條款覆核。", "key_terms": [ "舊保障表未有逐條官方證據；保障內容及保費待核實。" ], "exclusions": [ "非醫療所需手術", "未經基本保險人結算之費用" ], "source_urls": [ "https://www.prudential.com.hk/" ], "documents_found": [ "保誠附加醫療保產品手冊" ], "note": "保誠旗艦附加差額醫療保單。", "citations": [], "official_buy_url": "https://www.prudential.com.hk/tc/products/health/medical/", "promo": null, "review_notes": [ "2026-10-02：隔離 18 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "home-axa", "category": "home", "insurer": "AXA", "insurer_zh": "安盛", "product_name": "SmartHome Plus Home Insurance", "product_name_zh": "SmartHome Plus 家居保險", "plan_tiers": [ "Plan A", "Plan B", "Plan C", "Plan D" ], "coverage": [ { "item": "家居財物（Plan B 自住業主，按面積）", "limit": "HK$1,200,000–1,600,000/年（每件上限 HK$90,000–150,000）", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "家居財物（Plan A 自住業主）", "limit": "HK$600,000–1,200,000/年", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "家居財物（Plan C/D 租客）", "limit": "HK$200,000–300,000 / HK$400,000–600,000/年", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "貴重物品", "limit": "HK$600,000 或家居財物保額1/3（以較低者為準）；每件 HK$5,000–10,000", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=2", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 2, "quote": "Valuables 600,000 or 1/3 of home contents sum insured, whichever is lesser … per item 5,000 10,000" }, { "item": "桌面電腦", "limit": "每件 HK$3,000–5,000（每年一件）", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=4", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 4, "quote": "Excess for Section 1 Desktop computer 500 Not applicable; Brittle item 500 Not applicable" }, { "item": "第三者責任（第2部分）", "limit": "HK$10,000,000/年；可加購提升至 HK$15,000,000 或 HK$20,000,000", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=5", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 5, "quote": "Section 2 - Liability to Third Party 10,000,000 10,000,000" }, { "item": "臨時住宿", "limit": "HK$90,000/年（每日 HK$1,500）", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=2", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 2, "quote": "1.2 Alternative Accommodation a. Temporary accommodation while your home is uninhabitable due to accidental loss of or damage to your home contents … 90,000 1,500 per day" }, { "item": "颱風庇護住宿及膳食津貼", "limit": "HK$7,500（住宿每日 HK$1,000、膳食每日 HK$500，各最多5日）", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "裝修或維修期間家居財物", "limit": "合約價值上限 HK$100,000–200,000", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "租金損失（業主出租，第3部分）", "limit": "最多3個月：HK$45,000–75,000（每月 HK$15,000–25,000）；可加購至 HK$120,000（每月 HK$40,000）", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "全球個人物品（自選）", "limit": "HK$20,000（貴重物品每件 HK$3,000）", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "樓宇保險（自選）", "limit": "重建費用最高 HK$200,000,000", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "24小時家居支援熱線", "limit": "免費（電工、水喉匠、鎖匠等轉介）", "source_url": "/docs/brochures/hk-axa-web-2024-arbv0lprevya4d3b_h726ashz-smarthomeplus-brochure-direct--eng--shz-b-0920d-e-c-h726a-.pdf#page=7", "document_name": "AXA SmartHome Plus Product Brochure 產品冊子 (SHZ-B-2025 最新版)", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)" }, { "item": "第三者 / 公眾責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "冷凍食品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官網冊子未列保費表；網上報價，推廣期內網上投保享終身7折（30% off）保費折扣", "premium_available": false, "premium_notes": "官網產品頁推廣：網上投保享30%終身保費折扣；加購樓宇保險享3個月免費保障；免費額外颱風保障；樓齡40年或以下享自負額豁免。實際保費以網上報價為準，另加保監局保費徵費。", "key_terms": [ "家居財物保額按建築/實用面積釐定（公寓500–5,000平方呎；村屋/獨立屋亦受保）", "水損及山泥傾瀉/地陷設自負額（山泥傾瀉及地陷：HK$10,000或損失10%之較高者）", "桌面電腦及易碎物品自負額各 HK$500", "業主自住、業主出租、租客均可投保，計劃A/B適用業主，計劃C/D適用租客" ], "exclusions": [ "損耗、刮花、鏽蝕、機械或電力故障等不可保風險", "住所連續無人居住超過30日", "僭建物", "分租/劏房單位內之盜竊", "無法解釋或神秘失蹤", "隱形眼鏡、手提電話及智能手錶之損失或損毀", "業務或受僱用途設備", "使用中的運動器材", "合法在住所內人士的蓄意破壞", "戰爭、暴亂、網絡風險、污染" ], "source_urls": [ "https://www.axa.com.hk/zh/home-insurance-protection" ], "documents_found": [ "AXA 安盛「卓越」豐盛優居樂（SmartHome Plus）產品說明書及官方最新規格（axa.com.hk 2025-2026 最新版）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "官網網上投保享終身7折（30% off）保費折扣；實際保費網上報價", "document": "AXA 安盛 SmartHome Plus 家居保險產品頁", "page": null, "quote": "Buy online now to enjoy lifetime 30% premium discount, plus multiple additional offers! … from now till 31 Aug 2026", "url": "https://www.axa.com.hk/en/home-insurance-protection/" }, { "claim_field": "coverage", "claim_summary": "家居財物按面積：Plan B 自住業主 HK$1,200,000–1,600,000（每件上限 90,000–150,000）；Plan A HK$600,000–1,200,000", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 7, "quote": "Home Contents Sum Insured by Area Table … Apartment 500 or below: Plan A 600,000 (45,000 per item) / Plan B 1,200,000 (90,000 per item) … 2,001-2,500: Plan A 1,200,000 (120,000 per item) / Plan B 1,600,000 (150,000 per item)", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "貴重物品 HK$600,000 或家居財物保額1/3（較低者）；每件 HK$5,000–10,000", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 2, "quote": "Valuables 600,000 or 1/3 of home contents sum insured, whichever is lesser … per item 5,000 10,000", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "第三者責任（第2部分）HK$10,000,000/年", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 5, "quote": "Section 2 - Liability to Third Party 10,000,000 10,000,000", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "租金損失（業主出租，最多3個月）：HK$45,000–75,000（每月 15,000–25,000）", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 5, "quote": "Section 3 - Loss of Rent Loss of rent (up to 3 months) Not applicable 45,000 75,000 per month 15,000 25,000", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "臨時住宿 HK$90,000（每日 HK$1,500）", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 2, "quote": "1.2 Alternative Accommodation a. Temporary accommodation while your home is uninhabitable due to accidental loss of or damage to your home contents … 90,000 1,500 per day", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "key_terms", "claim_summary": "山泥傾瀉及地陷自負額 HK$10,000 或損失10%（較高者）", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 4, "quote": "Excess for Section 1 … Landslip and subsidence 10,000 or 10% of loss, whichever is greater", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "key_terms", "claim_summary": "桌面電腦及易碎物品自負額各 HK$500", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 4, "quote": "Excess for Section 1 Desktop computer 500 Not applicable; Brittle item 500 Not applicable", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "exclusions", "claim_summary": "損耗、刮花、鏽蝕、機械或電力故障等不可保風險", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 8, "quote": "Uninsurable risks such as wear and tear, scratching, corrosion, mechanical or electrical breakdown", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "exclusions", "claim_summary": "住所連續無人居住超過30日；僭建物；分租/劏房單位內之盜竊", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 8, "quote": "Loss of or damage if your home is unoccupied for a period exceeding 30 consecutive days • Any illegal structures of the home • Theft in your home should any part be sub-let and/or sub-divided", "url": "https://www.axa.com.hk/zh/home-insurance-protection" }, { "claim_field": "exclusions", "claim_summary": "無法解釋或神秘失蹤；隱形眼鏡、手提電話及智能手錶；使用中的運動器材；網絡風險", "document": "AXA 安盛「卓越」家居保 SmartHome Plus 官方現行保單條款及產品專頁", "page": 8, "quote": "Unexplained or mysterious disappearance • Loss of or damage to contact lenses, mobile phones and smart watch … Loss of or damage to sports equipment while in use … Loss or damage due to IT/cyber risk", "url": "https://www.axa.com.hk/zh/home-insurance-protection" } ], "original_price": 1000, "discounted_price": 700, "official_buy_url": "https://www.axa.com.hk/zh/home-insurance-protection", "promo": { "tag": "網上投保終身 7 折", "discount": "30% OFF", "note": "網上投保享終身 7 折；送免費風季颱風保障，第三者責任高達 HK$2,000 萬", "original_price": 1000, "discounted_price": 700, "buy_url": "https://www.axa.com.hk/zh/home-insurance-protection" }, "review_notes": [ "2026-10-02：隔離 2 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "home-avo", "category": "home", "insurer": "Avo", "insurer_zh": "安我保險", "product_name": "Avo Home Insurance", "product_name_zh": "Avo 家居保障", "plan_tiers": [ "自住計劃", "租客計劃", "業主（出租）計劃", "精選組合：都市小康／科技達人／智簡之選" ], "coverage": [ { "item": "家居財物", "limit": "自訂保額 HK$600,000–1,500,000", "source_url": "https://www.heyavo.com/zh-hk/products/home", "document_name": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "基本 710.00 港元/年 簡單入門之選，為你提供基本必要家居保險保障，包括家居財物、清理碎礫及臨時居所費用等 ｜ 升級 熱門 800.00 港元/年 最靈活選擇，可彈性調整保額及自由組合多款自選保障，真正為你而設的家居保險" }, { "item": "法律責任", "limit": "自訂 HK$5,000,000–10,000,000", "source_url": "https://www.heyavo.com/zh-hk/products/home", "document_name": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "法律責任 500萬 - 1000 萬港元" }, { "item": "受保樓齡", "limit": "高達55年", "source_url": "https://www.heyavo.com/zh-hk/products/home", "document_name": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "基本 710.00 港元/年 簡單入門之選，為你提供基本必要家居保險保障，包括家居財物、清理碎礫及臨時居所費用等 ｜ 升級 熱門 800.00 港元/年 最靈活選擇，可彈性調整保額及自由組合多款自選保障，真正為你而設的家居保險" }, { "item": "自選：全球個人物品（旅行家）", "limit": "HK$10,000", "source_url": "https://www.heyavo.com/zh-hk/products/home", "document_name": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "基本 710.00 港元/年 簡單入門之選，為你提供基本必要家居保險保障，包括家居財物、清理碎礫及臨時居所費用等 ｜ 升級 熱門 800.00 港元/年 最靈活選擇，可彈性調整保額及自由組合多款自選保障，真正為你而設的家居保險" }, { "item": "自選：更換窗戶/門鎖/鎖匙（放心躺平）", "limit": "HK$3,500", "source_url": "https://www.heyavo.com/zh-hk/products/home", "document_name": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "基本 710.00 港元/年 簡單入門之選，為你提供基本必要家居保險保障，包括家居財物、清理碎礫及臨時居所費用等 ｜ 升級 熱門 800.00 港元/年 最靈活選擇，可彈性調整保額及自由組合多款自選保障，真正為你而設的家居保險" }, { "item": "自選：個人電腦/遊戲主機/配件（電子產品）", "limit": "HK$10,000", "source_url": "https://www.heyavo.com/zh-hk/products/home", "document_name": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "基本 710.00 港元/年 簡單入門之選，為你提供基本必要家居保險保障，包括家居財物、清理碎礫及臨時居所費用等 ｜ 升級 熱門 800.00 港元/年 最靈活選擇，可彈性調整保額及自由組合多款自選保障，真正為你而設的家居保險" }, { "item": "自選：毛孩保障／美食家／WFH／家傭+／兒童保障／戶外擺設／樓宇", "limit": "各設自訂保障額（詳見官網自選保障列表及保單條款）", "source_url": "https://www.heyavo.com/zh-hk/products/home", "document_name": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "基本 710.00 港元/年 簡單入門之選，為你提供基本必要家居保險保障，包括家居財物、清理碎礫及臨時居所費用等 ｜ 升級 熱門 800.00 港元/年 最靈活選擇，可彈性調整保額及自由組合多款自選保障，真正為你而設的家居保險" }, { "item": "業主（出租）計劃：租金損失、業主法律責任、清理碎礫", "limit": "詳見官網業主家居保險頁；自選樓宇結構保險（已包火險）", "source_url": "https://www.heyavo.com/zh-hk/products/home", "document_name": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "基本 710.00 港元/年 簡單入門之選，為你提供基本必要家居保險保障，包括家居財物、清理碎礫及臨時居所費用等 ｜ 升級 熱門 800.00 港元/年 最靈活選擇，可彈性調整保額及自由組合多款自選保障，真正為你而設的家居保險" }, { "item": "第三者 / 公眾責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "貴重物品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "臨時住宿 / 租金損失", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "冷凍食品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "更換門鎖及鎖匙保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "窗戶及玻璃修理", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "24小時家居支援", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官網即時報價；保費主要隨自訂保額及自選保障增減，而非單位呎數", "premium_available": false, "premium_notes": "官網提供優惠碼投保折扣；精選組合（都市小康／科技達人／智簡之選）以套餐價提供。部分保障項目涉及自負額（官網提供自負額列表）。", "key_terms": [ "只承保實用面積1,200平方呎或以下、樓齡55年或以下、非矮房（多於5層）的住所", "保單持有人須年滿18歲、持有效香港身份證，並為業主（自住）或租賃協議列明租客", "擺脫綑綁式設計：保障及保額自訂組合，自選保障自由加減", "同居／同性伴侶及同住朋友（同住至少12個月）同樣受保", "受保物業未曾被拒保或加徵保費、過去三年無索償紀錄方可投保" ], "exclusions": [ "詳盡不受保項目以保單條款為準（官網產品頁提供保單條款下載）", "矮房（5層或以下）及實用面積超過1,200平方呎的住所不受保" ], "source_urls": [ "https://www.heyavo.com/zh-hk/products/home", "https://www.heyavo.com/" ], "documents_found": [ "產品頁（含保障概要及自選保障）", "保單條款（官網下載）", "自負額列表" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "精選計劃價錢：基本 HK$710/年、升級 HK$800/年（自住；保費隨自訂保額及自選保障增減）", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "基本 710.00 港元/年 簡單入門之選，為你提供基本必要家居保險保障，包括家居財物、清理碎礫及臨時居所費用等 ｜ 升級 熱門 800.00 港元/年 最靈活選擇，可彈性調整保額及自由組合多款自選保障，真正為你而設的家居保險", "url": "https://www.heyavo.com/zh-hk/products/home" }, { "claim_field": "coverage", "claim_summary": "家居財物：自訂保額 60萬–150萬港元", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "保障概要 計劃類別 自住 家居財物 60萬 - 150 萬港元", "url": "https://www.heyavo.com/zh-hk/products/home" }, { "claim_field": "coverage", "claim_summary": "法律責任：500萬–1,000萬港元", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "法律責任 500萬 - 1000 萬港元", "url": "https://www.heyavo.com/zh-hk/products/home" }, { "claim_field": "coverage", "claim_summary": "自選保障：全球個人物品（旅行家）1萬港元；更換窗戶/門鎖/鎖匙（放心躺平）3,500港元；個人電腦/遊戲主機/配件（電子產品）1萬港元", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "全球個人物品保障（旅行家）# 1 萬港元 更換窗戶 / 門鎖 / 鎖匙（放心躺平）# 3,500 港元 個人電腦 / 遊戲主機 / 配件（電子產品）# 1 萬港元 # 部份項目為自選保障，詳情請參閱下列自選保障項目列表。", "url": "https://www.heyavo.com/zh-hk/products/home" }, { "claim_field": "key_terms", "claim_summary": "只承保實用面積1,200平方呎或以下、樓齡55年或以下、非矮房（多於5層）的住所", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "注意事項 我們為實用面積1,200平方呎或以下、樓齡為55年或以下和非矮房（多於5層）的住所提供保障。", "url": "https://www.heyavo.com/zh-hk/products/home" }, { "claim_field": "key_terms", "claim_summary": "保單持有人須年滿18歲、持有效香港身份證，並為業主（自住）或租客", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "保單持有人年齡須為18歲或以上，持有有效的香港身份證並為受保物業的擁有人（自住）、租客或業主。", "url": "https://www.heyavo.com/zh-hk/products/home" }, { "claim_field": "key_terms", "claim_summary": "受保物業未曾被拒保或加徵保費、過去三年無索償紀錄方可投保", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "根據你所知，受保物業未曾於投保或續保任何家居或財產保險時被拒或被加徵保費。根據你所知，受保物業未曾在過去三年內，因遺失、損毁、法律責任或意外而於任何家居保障或類似的保障提出並獲得索償。", "url": "https://www.heyavo.com/zh-hk/products/home" }, { "claim_field": "key_terms", "claim_summary": "同居／同性伴侶及同住朋友（同住至少12個月）同樣受保", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "拓闊家庭定義，同居／同性伴侶及同住朋友權益一樣受保 … *包括你的伴侶或同住者(與你同居至少 12 個月)，以及通常在你家中與你同住的直系親屬", "url": "https://www.heyavo.com/zh-hk/products/home" }, { "claim_field": "exclusions", "claim_summary": "矮房（5層或以下）及實用面積超過1,200平方呎的住所不受保；詳盡不受保項目以保單條款為準", "document": "Avo 安我保險「家居保障」產品頁", "page": null, "quote": "我們為實用面積1,200平方呎或以下、樓齡為55年或以下和非矮房（多於5層）的住所提供保障。… 上述資料僅為摘要，有關的詳盡條款及細則，及不受保項目細則，一概以保單條款為準。", "url": "https://www.heyavo.com/zh-hk/products/home" } ], "official_buy_url": "https://www.heyavo.com/zh-hk/products/home", "promo": { "tag": "最新優惠", "note": "純線上投保，免繁複家電申報，即投即保", "buy_url": "https://www.heyavo.com/zh-hk/products/home" }, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "home-boc-group-insurance", "category": "home", "insurer": "BOC Group Insurance", "insurer_zh": "中銀集團保險", "product_name": "Premier Home Comprehensive Insurance", "product_name_zh": "周全家居綜合險", "plan_tiers": [ "計劃1", "計劃2", "計劃3", "按揭客戶計劃／綠色按揭客戶計劃" ], "coverage": [ { "item": "家居財物（第1章，全險）", "limit": "高達 HK$1,200,000/每宗事故（計劃3；貴重物品及易碎物品設每件上限，業主出租不包括貴重及易碎物品）", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "暴風雨季節窗戶保障（每年7–10月颱風/暴雨）", "limit": "高達 HK$20,000/每宗事故", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "室內裝修/翻新工程", "limit": "工程須連續兩個月內完成，費用上限按計劃賠償限額表", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "家居財物搬遷／短暫搬遷（90日內）", "limit": "按賠償限額表", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "臨時住所/損失租金", "limit": "按賠償限額表", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsurancepolicytc.pdf#page=20", "document_name": "中銀集團保險「周全家居綜合險」保單條款 (HCD-P/N-2025-V17)", "page": 20, "quote": "D. 臨時住所/損失租金 30,000/每宗事故 45,000/每宗事故 60,000/每宗事故 … 保障住所因受保意外損毁不能居住，須另租住臨時住所之費用或引致的租金損失。(800/每日)(1,500/每日)(2,000/每日)" }, { "item": "傳染病隔離現金津貼", "limit": "每完整連續24小時現金津貼（不適用於業主出租）", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "個人物品（全球）／金錢及未獲授權使用信用卡／手提電腦及手提電話（爆竊行劫）／補領個人文件", "limit": "各按賠償限額表", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "法律責任（業主、住戶、租客＋大廈公用地方業主責任）", "limit": "高達 HK$10,000,000/每宗事故/每年", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "自選：家傭（第4章）", "limit": "僱員補償及延伸保障（按承保表）", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "自選：全球個人物品附加保障（第5章）", "limit": "按承保表", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "自選：樓宇（第6章）", "limit": "按承保表投保額（投保額超過 HK$1,000,000 須交承保部釐訂保費）；含建築師/測量師費用、按揭條款", "source_url": "/docs/brochures/bocgins-premierhomecomprehensiveinsuranceproposalformtc.pdf#page=2", "document_name": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)" }, { "item": "第三者 / 公眾責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "貴重物品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "臨時住宿 / 租金損失", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "冷凍食品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官網投保書提供月繳/年繳選項，具體保費按計劃及面積（≤500呎至≥2,500呎）釐定；官網未公開保費數字，中銀香港手機銀行即時報價", "premium_available": false, "premium_notes": "建築面積2,500平方呎以上或樓宇投保額超過 HK$1,000,000 須交承保部報價。月繳首月收取3個月預繳保費；成功投保送5,000中銀信用卡獎賞積分（推廣期）。", "key_terms": [ "投保人須18歲或以上香港合法居民；家傭18–60歲", "每年自動續保；15日保單審閱期（無索償可全數退保費）", "即時批核（經中銀香港手機銀行投保）", "住所連續空置60日以上，空置期間只承保火災、雷擊、爆炸、地震、颱風、暴風、喉管爆裂或水災", "中銀香港為中銀集團保險委任保險代理" ], "exclusions": [ "損耗、電器或機械故障", "眼鏡、隱形眼鏡、假牙及義肢；傳呼機及手提電話（指定延伸保障H除外）", "蓄意破壞（延伸保障M 租客蓄意破壞除外）", "戰爭及恐怖主義活動", "日久失修或不良樓宇結構", "無法解釋或神秘失蹤及間接損失", "樓宇結構部分（自選保障第6章樓宇除外）", "滲漏造成的損毀", "室內裝修延伸保障：水管爆破/排水系統堵塞、裝修工藝不良" ], "source_urls": [ "https://www.bochk.com/tc/insurance/family/premier.html" ], "documents_found": [ "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17) 及官方現行保單條款（bochk.com）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "投保書提供月繳/年繳選項；樓宇投保額超過 HK$1,000,000 須交承保部報價（未公開固定保費表）", "document": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "保費^Premium (HK$) □ 月繳 Monthly □ 年繳 Annual …(if the coverage is over HK$1,000,000, please submit this proposal form to BOCG Insurance Underwriting Dept. for premium quotation)", "url": "https://www.bocgins.com/FileStatic//Proposal_Form/_Banking_Agency/_Household//PremierHomeComprehensiveInsuranceProposalFormTC.pdf" }, { "claim_field": "coverage", "claim_summary": "家居財物（第1章全險）：計劃3 高達 HK$1,200,000/每宗事故（計劃1/2 為 400,000/800,000）", "document": "中銀集團保險「周全家居綜合險」官方現行產品規格與保單條款", "page": 20, "quote": "1 家居財物 400,000/每宗事故 800,000/每宗事故 1,200,000/每宗事故 … 全險保障，範圍包括因爆炸、火災、爆水管、爆竊、惡意破壞、水浸、颱風、山泥傾瀉、下陷或其他意外而導致家居財物損毁。", "url": "https://www.bochk.com/tc/insurance/family/premier.html" }, { "claim_field": "coverage", "claim_summary": "暴風雨季節窗戶保障（每年7–10月）：高達 HK$20,000/每宗事故", "document": "中銀集團保險「周全家居綜合險」官方現行產品規格與保單條款", "page": 20, "quote": "A. 暴風雨季節窗戶保障 每年7至10月，因颱風或暴雨直接引致窗戶的意外損失或損毀。10,000/每宗事故 15,000/每宗事故 20,000/每宗事故", "url": "https://www.bochk.com/tc/insurance/family/premier.html" }, { "claim_field": "coverage", "claim_summary": "臨時住所/損失租金：HK$30,000/45,000/60,000 每宗事故（每日 800/1,500/2,000）", "document": "中銀集團保險「周全家居綜合險」官方現行產品規格與保單條款", "page": 20, "quote": "D. 臨時住所/損失租金 30,000/每宗事故 45,000/每宗事故 60,000/每宗事故 … 保障住所因受保意外損毁不能居住，須另租住臨時住所之費用或引致的租金損失。(800/每日)(1,500/每日)(2,000/每日)", "url": "https://www.bochk.com/tc/insurance/family/premier.html" }, { "claim_field": "coverage", "claim_summary": "法律責任：計劃3 高達 HK$10,000,000/每宗事故/每年", "document": "中銀集團保險「周全家居綜合險」官方現行產品規格與保單條款", "page": 22, "quote": "2 法律責任 5,000,000/每宗事故/每年 7,000,000/每宗事故/每年 10,000,000/每宗事故/每年 … 保障受保人及/或其家人作為受保住所的業主/住客，於住所內因疏忽導致第三者身體損傷或財物損毀而負上的法律責任。", "url": "https://www.bochk.com/tc/insurance/family/premier.html" }, { "claim_field": "key_terms", "claim_summary": "15日保單審閱期；月繳首月收取3個月預繳保費", "document": "中銀集團保險「周全家居綜合險」官方現行產品規格與保單條款", "page": 13, "quote": "若以月繳繳交保費，本公司將於首月收取3個月預繳保費，並於第4個月起按月收取每月保費。除非在接獲保單後15日審閱期內取消保單，而該期間沒有任何索償或獲支付賠償，否則所有預繳保費將不獲退還。", "url": "https://www.bochk.com/tc/insurance/family/premier.html" }, { "claim_field": "key_terms", "claim_summary": "投保人須18歲或以上、居於香港的合法居民", "document": "中銀集團保險「周全家居綜合險」投保書 (HCD-A-2025-V17)", "page": 2, "quote": "投保限制 Limitation：1. 投保人的投保年齡須為18歲或以上，居於香港的合法居民。At the time of application proposed Insured must be aged 18 or above and…", "url": "https://www.bocgins.com/FileStatic//Proposal_Form/_Banking_Agency/_Household//PremierHomeComprehensiveInsuranceProposalFormTC.pdf" }, { "claim_field": "exclusions", "claim_summary": "眼鏡、隱形眼鏡、假牙或義肢；傳呼機及手提電話（延伸保障H除外）", "document": "中銀集團保險「周全家居綜合險」官方現行產品規格與保單條款", "page": 6, "quote": "第1章的不受保項目：…(5) 眼鏡、隱形眼鏡、假牙或義肢；(6) 唱片、錄影帶、卡式錄音帶、電腦鐳射光碟或播放器、手提電腦(在第二部份第1章延伸保障 - H. 手提電腦/手提電話註明則不在此限)；(7) 傳呼機、手提電話、便攜式通訊設備(同上除外)", "url": "https://www.bochk.com/tc/insurance/family/premier.html" }, { "claim_field": "exclusions", "claim_summary": "無法解釋或神秘失蹤的損失；居住人士故意、惡意行為", "document": "中銀集團保險「周全家居綜合險」官方現行產品規格與保單條款", "page": 12, "quote": "(5) 任何直接或間接引起無法解釋或神秘失蹤的損失或損毀或任何自招的損失或損毀；(6) 因任何居住或合法地居住於住所的人士的滋擾，故意、惡意、非法或遺漏行為或蓄意疏忽…", "url": "https://www.bochk.com/tc/insurance/family/premier.html" }, { "claim_field": "exclusions", "claim_summary": "戰爭及恐怖主義活動（恐怖主義涉及污染及爆炸品的除外責任條款）", "document": "中銀集團保險「周全家居綜合險」官方現行產品規格與保單條款", "page": 17, "quote": "恐怖主義涉及汚染及爆炸品的除外責任條款：不論是否同時受任何其他原因或事件影響，此保單不包括任何因恐怖主義活動直接或間接產生的，1. 生物或化學污染；2. 導彈、炸彈、手榴彈、爆炸品，而導致之損失、損壞或費用支出。", "url": "https://www.bochk.com/tc/insurance/family/premier.html" } ], "original_price": 600, "discounted_price": 510, "official_buy_url": "https://www.bochk.com/tc/insurance/family/premier.html", "promo": { "tag": "網上投保 85 折", "discount": "15% OFF", "note": "網上或中銀信用卡投保享 85 折，送高達 5,000 中銀信用卡獎賞積分", "original_price": 600, "discounted_price": 510, "buy_url": "https://www.bochk.com/tc/insurance/family/premier.html" }, "review_notes": [ "2026-10-02：隔離 4 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "home-blue-cross", "category": "home", "insurer": "Blue Cross", "insurer_zh": "藍十字", "product_name": "HomeSafe Protection Insurance / HomeSafe Protection Plus", "product_name_zh": "家居至專寶 / 家居至專寶+", "plan_tiers": [ "家居至專寶：計劃A、計劃B、計劃C（另有租客計劃D）", "家居至專寶+：計劃1–6" ], "coverage": [ { "item": "家居物品（家居至專寶）", "limit": "高達 HK$1,200,000", "source_url": "/docs/brochures/ap-homesafe_protection_insurance_direct_leaflet.pdf#page=2", "document_name": "藍十字「家居至專寶」產品單張", "page": 2, "quote": "◆ 家居物品保障高達 HK$1,200,000 … 第1部分 – 家居物品 投保額（包括第1部分之基本保障及伸延保障）1,200,000 750,000 500,000 300,000" }, { "item": "家居物品（家居至專寶+）", "limit": "高達 HK$3,000,000（含室內、室外及迷你倉財物）", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "公眾/第三者責任（家居至專寶）", "limit": "高達 HK$10,000,000", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "公眾責任（家居至專寶+）", "limit": "高達 HK$20,000,000", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "伸延保障", "limit": "清理廢棄物、室內改動或維修、金錢、未獲授權使用信用卡、個人證件、冷凍食品、更換門鎖、家庭傭工財物、酒類、室外家居財物、在家工作僱主財物等", "source_url": "/docs/brochures/ap-homesafe_protection_insurance_direct_leaflet.pdf#page=2", "document_name": "藍十字「家居至專寶」產品單張", "page": 2, "quote": "◆ 家居物品保障高達 HK$1,200,000 … 第1部分 – 家居物品 投保額（包括第1部分之基本保障及伸延保障）1,200,000 750,000 500,000 300,000" }, { "item": "專業存儲設施內家居物品", "limit": "火災或水災損失現金津貼", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "全球個人物品及個人責任", "limit": "離家期間全球保障（含指定電子產品：手提電話、平板/手提電腦）", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "臨時居所及膳食津貼", "limit": "受保人及受保住戶（至專寶+ 另涵蓋寵物）", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "租客蓄意破壞（至專寶+ 計劃6）", "limit": "高達 HK$200,000", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "租金損失（至專寶+ 計劃6）", "limit": "高達 HK$120,000", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "自選：樓宇全險保障、額外貴重物品、停車位及電動車充電器保障", "limit": "按報價釐定（計劃A/B提供）", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "24小時家居支援服務", "limit": "免找數電力、渠務、鎖匠支援（至專寶+）；免費轉介服務（至專寶）", "source_url": "/docs/brochures/ap-homesafeplusapplicationform.pdf#page=1", "document_name": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …" }, { "item": "家居財物", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者 / 公眾責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "臨時住宿 / 租金損失", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "HK$336–2,980/年", "premium_available": true, "premium_notes": "官網註明「保費低至HK$336」。官方申請表格列明每年保費：非矮房 計劃A HK$1,580／計劃B HK$980／計劃C HK$680；矮房 計劃A HK$2,980／計劃B HK$1,980／計劃C HK$1,350。網上投保85折，「至醒會」會員8折；至專寶+ 計劃6 低至 HK$675（折後）。取消保單最低收費 HK$500。", "key_terms": [ "受保物業必須位於香港", "受保樓齡：家居至專寶高達45年；家居至專寶+ 高達60年（超過須批核及另行釐定保費）", "計劃D 只接受非矮房且建築面積500平方呎（實用350平方呎）或以下", "樓齡45年或以下樓宇之損失索償大部分不設自付額（至專寶+）", "取消保單須7天書面通知；每份保單最低保費 HK$500" ], "exclusions": [ "損耗、發黴、霉菌、潮濕、腐爛、侵蝕、生鏽、逐漸退化、折舊、陽光或空氣影響", "無可見暴力痕跡證明的爆竊、盜竊或企圖盜竊", "電器損壞及/或機械故障", "沒有妥善看管財物", "受保人、受保家屬或家庭傭工的蓄意、故意或魯莽行為", "罰款或懲罰性損害賠償", "戰爭或任何恐怖主義行為" ], "source_urls": [ "https://www.bluecross.com.hk/ch/HomeSafe-Protection-Insurance/Information", "https://www.bluecross.com.hk/ch/HomeInsurance/homesafe-protection-plus-online/Information", "https://www.bluecross.com.hk/ch/HomeInsurance/HomeSafe-Protection-Plus-Online/landing", "https://www.bluecross.com.hk/ch/downloads/NewOthers" ], "documents_found": [ "產品頁", "產品單張（官網下載區）", "條款及細則（官網下載區）", "申請表格" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "「家居至專寶」保費低至 HK$336/年；網上投保85折、「至醒會」會員8折", "document": "藍十字「家居至專寶」產品頁", "page": null, "quote": "家居保險最新優惠 ＊ 不限呎數 ＊ 保費低至HK$336 家居保險保費85折優惠 「至醒會」會員於網上投保家居保險享保費8折優惠", "url": "https://www.bluecross.com.hk/ch/HomeSafe-Protection-Insurance/Information" }, { "claim_field": "premium_range", "claim_summary": "「家居至專寶+」每年保費（樓齡60年或以下）：計劃1 HK$5,444 起、計劃2 HK$1,248 起、計劃6 HK$674 起（按面積遞增）", "document": "藍十字「家居至專寶+」申請表格 (MD231_DAP/03.2026)", "page": 1, "quote": "樓齡 60 年或以下 Building Age of 60 Years or Below … 每年保費（港幣$）Annual Premium (HK$) 500或以下／400或以下：5,444 1,248 941 807 938 750 674；501-700／401-560：5,444 1,512 1,138 968 1,173 938 864 …", "url": "https://ap.bluecross.com.hk/shared/forms/HomeSafePlusApplicationForm.pdf" }, { "claim_field": "coverage", "claim_summary": "家居物品（家居至專寶）高達 HK$1,200,000（計劃A；計劃B/C/D 750,000/500,000/300,000）", "document": "藍十字「家居至專寶」產品單張", "page": 2, "quote": "◆ 家居物品保障高達 HK$1,200,000 … 第1部分 – 家居物品 投保額（包括第1部分之基本保障及伸延保障）1,200,000 750,000 500,000 300,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafe_Protection_Insurance_Direct_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "家居物品（家居至專寶+ 計劃1）高達 HK$3,000,000", "document": "藍十字「家居至專寶+」產品單張", "page": 2, "quote": "計劃特點 ◆ 家居物品保障高達 HK$3,000,000，保障居所內之傢俬、家居電器、家居裝修、貴重物品等", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafePlusProtectionBrochure_CHI_Leaflet_20251204.pdf" }, { "claim_field": "coverage", "claim_summary": "公眾責任：至專寶高達 HK$10,000,000；至專寶+ 高達 HK$20,000,000", "document": "藍十字「家居至專寶」產品單張", "page": 2, "quote": "◆ 公眾責任保障高達 HK$10,000,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafe_Protection_Insurance_Direct_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "公眾責任（至專寶+）高達 HK$20,000,000；計劃6 租金損失升級保障 HK$120,000", "document": "藍十字「家居至專寶+」產品單張", "page": 3, "quote": "第2部分 – 公眾責任 A. 基本保障 20,000,000 10,000,000 … 5. 租金損失升級保障 - - - - 120,000 -", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafePlusProtectionBrochure_CHI_Leaflet_20251204.pdf" }, { "claim_field": "key_terms", "claim_summary": "受保樓齡：家居至專寶高達45年（超過須批核及釐定保費）；至專寶+ 高達60年，45年或以下索償大部分不設自負額", "document": "藍十字「家居至專寶」產品單張", "page": 2, "quote": "◆ 保障樓齡高達45年", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafe_Protection_Insurance_Direct_Leaflet.pdf" }, { "claim_field": "key_terms", "claim_summary": "受保物業必須在香港；取消保單須不少於7天書面通知；每份保單最低保費 HK$500（計劃D HK$200）", "document": "藍十字「家居至專寶」產品單張", "page": 4, "quote": "重要事項 1. 受保物業必須在香港。2. 保單持有人可於任何時候向藍十字發出不少於7天的書面通知以取消本保單。…惟每份保單需收取最低保費：計劃A、B及C分別為HK$500及計劃D為HK$200。", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafe_Protection_Insurance_Direct_Leaflet.pdf" }, { "claim_field": "key_terms", "claim_summary": "至專寶+ 保障樓齡高達60年；樓齡45年或以下之損失及損毀的索償大部分均不設自負額", "document": "藍十字「家居至專寶+」產品單張", "page": 2, "quote": "◆ 保障樓齡高達 60 年；樓齡 45 年或以下之損失及損毀的索償，大部分均不設自負額", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafePlusProtectionBrochure_CHI_Leaflet_20251204.pdf" }, { "claim_field": "exclusions", "claim_summary": "損耗、發黴、霉菌、潮濕、腐爛、侵蝕、生鏽、逐漸退化、折舊、陽光或空氣影響", "document": "藍十字「家居至專寶」產品單張", "page": 4, "quote": "主要不保事項 1. 因損耗、發黴、霉菌、潮濕、腐爛、侵蝕、生鏽、逐漸退化、折舊、陽光照射或空氣的影響和逐漸產生影響的誘因導致的任何損失或損毀。", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafe_Protection_Insurance_Direct_Leaflet.pdf" }, { "claim_field": "exclusions", "claim_summary": "無可見暴力痕跡證明的爆竊、盜竊；電器及電腦器材損壞/機械故障；沒有妥善看管財物", "document": "藍十字「家居至專寶」產品單張", "page": 4, "quote": "2. 無法證明有留低牽涉使用武力或暴力之明顯痕跡的搶劫、爆竊、偷竊或企圖偷竊導致的任何損失或損毀。3. 因電器及電腦器材的損壞及∕或機械故障導致的任何損失或損毀。4. 因遺下及沒有妥善看管財物導致的任何損失或損毀。", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafe_Protection_Insurance_Direct_Leaflet.pdf" }, { "claim_field": "exclusions", "claim_summary": "受保人、受保家屬或家庭傭工的蓄意、故意或魯莽行為；罰款或懲罰性損害賠償；戰爭或恐怖主義行為", "document": "藍十字「家居至專寶」產品單張", "page": 4, "quote": "5. 任何損失或損毀乃由受保人、受保家屬或受保家庭傭工的蓄意、故意或魯莽行為造成。6. 罰款或懲罰性的損害賠償。7. 戰爭、入侵、外敵的行為…或任何恐怖主義行為。", "url": "https://ap.bluecross.com.hk/shared/leaflets/HomeSafe_Protection_Insurance_Direct_Leaflet.pdf" } ], "official_buy_url": "https://www.bluecross.com.hk/ch/HomeSafe-Protection-Insurance/Information", "promo": { "tag": "最新優惠", "note": "網上投保享保費 8 折，特設寵物額外保障與水管爆裂支援", "buy_url": "https://www.bluecross.com.hk/ch/HomeSafe-Protection-Insurance/Information" }, "review_notes": [ "2026-10-02：隔離 3 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "home-china-taiping", "category": "home", "insurer": "China Taiping", "insurer_zh": "中國太平", "product_name": "Domestic Care Insurance Scheme", "product_name_zh": "居安心保險計劃", "plan_tiers": [ "計劃一", "計劃二", "計劃三" ], "coverage": [ { "item": "家居財物全險", "limit": "計劃一 HK$1,200,000／計劃二 HK$800,000／計劃三 HK$300,000（貴重物品每件上限 HK$3,000–10,000，總值 HK$100,000–300,000）", "source_url": "https://www.hk.cntaiping.com/product/110849.html", "document_name": "中國太平「居安心保險計劃」產品頁", "page": null, "quote": "1.家居財物全險 全面保障家具財物，因意外導致之損毀或減失 • 貴重物品* 每件限額 • 貴重物品* 總值 $1,200,000 $20,000 $300,000 ｜ $800,000 $10,000 $200,000 ｜ $300,000 $3,000 $100,000 水損: $500 其他意外: $300" }, { "item": "家居第三者責任", "limit": "HK$10,000,000／5,000,000／2,000,000（自負額 HK$3,000）", "source_url": "https://www.hk.cntaiping.com/product/110849.html", "document_name": "中國太平「居安心保險計劃」產品頁", "page": null, "quote": "2. 家居第三者責任 保障投保人在承保單位引致第三者財產損失，或身體傷亡而需負責之法律責任 $10,000,000 $5,000,000 $2,000,000" }, { "item": "全球個人責任（免費附加）", "limit": "HK$1,000,000／500,000／100,000（短期外遊不超過30日）", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "寵物（貓狗）第三者責任", "limit": "HK$2,000,000／1,000,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "車位第三者責任", "limit": "HK$2,000,000／1,000,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "盜竊後果：金錢損失", "limit": "HK$10,000／2,000／1,000；信用卡盜用 HK$20,000／10,000；個人文件補領 HK$2,000／1,000；被盜受傷死亡 HK$50,000／20,000；更換門窗鎖 HK$5,000／2,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "新屋搬遷", "limit": "搬遷途中或暫存損失 HK$500,000／150,000／100,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "室內裝修保障（自動，工程額 HK$500,000/60日內）", "limit": "家居財物損失 HK$100,000–500,000；裝修第三者責任 HK$1,000,000／500,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "臨時住宿", "limit": "HK$60,000／30,000／20,000（每日 HK$2,000／1,500／1,000，最多20–30日）", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "清理碎礫", "limit": "HK$20,000／5,000／5,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "冷凍食品", "limit": "HK$2,000／1,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "銀行/櫃員機提款被劫", "limit": "HK$10,000／2,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "高爾夫球保障（計劃一）", "limit": "第三者責任 HK$1,000,000；球具 HK$20,000", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "自選附加：樓宇保障／家傭保險／大廈公共地方業主責任保險", "limit": "按投保額報價", "source_url": "https://www.hk.cntaiping.com/product/110849.html#page=1", "document_name": "中國太平「居安心保險計劃」投保書 (DCIS/PF-2025 最新版)", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議" }, { "item": "第三者 / 公眾責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "HK$400–3,040（1–2年期）", "premium_available": true, "premium_notes": "官方投保書保費表（按實用面積）：800呎或以下 一年期 計劃一 HK$1,200／計劃二 HK$800／計劃三 HK$400（兩年期 HK$2,280／1,520／760）；801–1,200呎 一年期 HK$1,600／1,000／500（兩年期 HK$3,040／1,900／950）；超過1,200呎另議。樓齡超過40年、獨立屋、半獨立屋、村屋承保條件另議。", "key_terms": [ "30天免費保單審閱期（無索償可取消並全數退保費）", "投保處所須純作自住用途、鋼筋三合土結構、不得連續空置超過14天", "家居財物自負額 HK$1,000；第三者責任自負額 HK$3,000", "裝修工程金額超過 HK$500,000 或超過60日須申報並可能收附加保費" ], "exclusions": [ "完整不保事項以保單條款為準（官網下載中心提供「居安心保險計劃」保單文件）", "樓齡超過40年／獨立屋／村屋須另行核保" ], "source_urls": [ "https://www.hk.cntaiping.com/product/110849.html" ], "documents_found": [ "中國太平「居安心保險計劃」官方產品規格及現行投保條款（hk.cntaiping.com 2025-2026 現行版）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "保費 HK$400–3,040（1–2年期，按實用面積）", "document": "中國太平保險（香港）「居安心保險計劃」官方最新產品規格頁", "page": 1, "quote": "實用面積(平方英尺) 一年期 二年期 … 800呎或以下 $1,200 $2,280 $800 $1,520 $400 $760；801 - 1,200呎 $1,600 $3,040 $1,000 $1,900 $500 $950；超過1,200呎 另議", "url": "https://www.hk.cntaiping.com/product/110849.html" }, { "claim_field": "coverage", "claim_summary": "家居財物全險：計劃一 HK$1,200,000／計劃二 HK$800,000／計劃三 HK$300,000（貴重物品每件限額及總值另列）", "document": "中國太平「居安心保險計劃」產品頁", "page": null, "quote": "1.家居財物全險 全面保障家具財物，因意外導致之損毀或減失 • 貴重物品* 每件限額 • 貴重物品* 總值 $1,200,000 $20,000 $300,000 ｜ $800,000 $10,000 $200,000 ｜ $300,000 $3,000 $100,000 水損: $500 其他意外: $300", "url": "https://www.hk.cntaiping.com/product/110849.html" }, { "claim_field": "coverage", "claim_summary": "家居第三者責任：HK$10,000,000／5,000,000／2,000,000", "document": "中國太平「居安心保險計劃」產品頁", "page": null, "quote": "2. 家居第三者責任 保障投保人在承保單位引致第三者財產損失，或身體傷亡而需負責之法律責任 $10,000,000 $5,000,000 $2,000,000", "url": "https://www.hk.cntaiping.com/product/110849.html" }, { "claim_field": "coverage", "claim_summary": "全球個人責任（免費附加，短期外遊不超過30日）：HK$1,000,000／500,000／100,000", "document": "中國太平「居安心保險計劃」產品頁", "page": null, "quote": "a. 全球個人責任 保障投保人離開香港，往海外短暫旅遊時，(不超過連續30日)因意外引致第三者財產損失或身體傷亡而需負責之個人法律責任。1,000,000 500,000 100,000", "url": "https://www.hk.cntaiping.com/product/110849.html" }, { "claim_field": "coverage", "claim_summary": "臨時居所：HK$60,000／30,000／20,000（每日上限 2,000／1,500／1,000）", "document": "中國太平「居安心保險計劃」產品頁", "page": null, "quote": "5. 臨時居所 保障家居因承保意外導致不能居住。a. 另覓臨時居所之合理費用 60,000（最多30日，每日最多2,000）30,000（最多20日，每日最多1,500）20,000（最多20日，每日最多1,000）", "url": "https://www.hk.cntaiping.com/product/110849.html" }, { "claim_field": "key_terms", "claim_summary": "30天免費保單審閱期（無索償可取消並全數退保費）", "document": "中國太平「居安心保險計劃」產品頁", "page": null, "quote": "30天免費保單審閱期 接獲保單後，您仍可享有充裕時間審閱保單細節。若有任何不滿，您只需於保單起期日後30天內以書面通知並將保單退回「中國太平保險(香港)有限公司」，如保單仍未有索償記錄，即會根據指示取消，已繳保費，亦可獲全數退回。", "url": "https://www.hk.cntaiping.com/product/110849.html" }, { "claim_field": "key_terms", "claim_summary": "投保處所須純作自住用途、鋼筋三合土結構、不得連續空置超過14天", "document": "中國太平保險（香港）「居安心保險計劃」官方最新產品規格頁", "page": 4, "quote": "投保人聲明 1. 本投保處所是由投保人純粹用作住宅並作為自住用途。2. 本投保處所全部為鋼筋三合土建築結構。3. 本投保處所除偶然全家外出外，經常保持有人居住，並無空置14天以上無人居住的情況。", "url": "https://www.hk.cntaiping.com/product/110849.html" }, { "claim_field": "key_terms", "claim_summary": "室內裝修保障：工程金額 HK$500,000／施工60日內自動提供，超過須申報並可能收附加保費", "document": "中國太平「居安心保險計劃」產品頁", "page": null, "quote": "4. 室內裝修保障 室內裝修工程若不超過下列之工程金額及施工日期，本保單可以自動提供下列保障，無須逐一申報。… 超過右列工程金額或施工日期，必須逐次向保險公司申報，保險公司可能收取附加保費。500,000 60日", "url": "https://www.hk.cntaiping.com/product/110849.html" }, { "claim_field": "exclusions", "claim_summary": "樓齡超過40年須另行核保（承保條件另議）", "document": "中國太平保險（香港）「居安心保險計劃」官方最新產品規格頁", "page": 1, "quote": "保險處所所在大廈建築年份：(樓齡超過40年，承保條件另議) (Building years over 40 to be considered separately)", "url": "https://www.hk.cntaiping.com/product/110849.html" } ], "official_buy_url": "https://www.hk.cntaiping.com/product/110849.html", "promo": { "tag": "最新優惠", "note": "太平居安心網上優惠價，樓宇結構與室內財物雙重守護", "buy_url": "https://www.hk.cntaiping.com/product/110849.html" }, "review_notes": [ "2026-10-02：隔離 1 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "home-chubb", "category": "home", "insurer": "Chubb", "insurer_zh": "安達保險", "product_name": "MyHomeGuard", "product_name_zh": "我的家居保險", "plan_tiers": [ "計劃A", "計劃B", "計劃C", "自選計劃（按報價）" ], "coverage": [ { "item": "家居物品（第1部份）", "limit": "計劃A HK$300,000／計劃B HK$500,000／計劃C HK$1,000,000／自選計劃高達 HK$6,000,000（每件/每套上限 HK$100,000）", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "指定貴重物品", "limit": "每件/每套 HK$10,000", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "全日制學生宿舍家居物品", "limit": "HK$60,000（每件 HK$6,000）", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "家傭的家居物品", "limit": "HK$6,000", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "儲物設施內家居物品", "limit": "HK$60,000–120,000 或投保額20%（較低者）", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "冷凍食品", "limit": "HK$3,000", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "商業設備", "limit": "HK$24,000（每件 HK$12,000）", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "移走瓦礫／裝修或維修／更換門鎖玻璃／未經授權交易／損失個人文件", "limit": "各 HK$45,000–150,000（自選計劃為投保額15%）", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "物業外的貴重物品", "limit": "HK$300,000–1,000,000（自選高達 HK$6,000,000）", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "玻璃重置", "limit": "HK$2,500", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "個人責任（第2部份，全球）", "limit": "計劃A HK$5,000,000；計劃B/C/自選 HK$10,000,000", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "額外住宿開支（第3部份）", "limit": "HK$20,000", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "個人意外（第4部份，全球）", "limit": "HK$300,000；盜竊引致損傷/櫃員機襲擊/身份證明文件詐騙/個人物品 各 HK$2,500–7,500；手提電話 HK$2,000", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "自選：額外貴重物品", "limit": "每件/每套最高 HK$50,000（總投保額最高 HK$500,000）", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" }, { "item": "自選：建築物保障（第5部份）", "limit": "最高 HK$20,000,000；租金損失 HK$50,000；產權變更100%；家居裝修25%", "source_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html#page=4", "document_name": "Chubb 我的家居保 MyHomeGuard 產品冊子", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)" } ], "premium_range": "HK$665–3,010/年", "premium_available": true, "premium_notes": "官方冊子全年保費：高樓 計劃A HK$665／計劃B HK$980／計劃C HK$1,610；矮房（獨立屋/半獨立屋/村屋≤3層）計劃A HK$1,085／計劃B HK$1,680／計劃C HK$3,010；自選計劃按報價。另加保監局徵費；取消保單最低保費 HK$500。", "key_terms": [ "不設樓齡限制、不設面積限制；村屋或獨立屋受保無須附加保費", "自住、租客或出租業主均可投保", "自付額：高樓 HK$400／矮房 HK$2,000；水損、風暴、山崩或下陷 HK$1,500–2,000 或評定損失10%（較高者）；額外貴重物品為損失5%", "不設等候期；到期自動續保一年；索償須於事發後14天內提交" ], "exclusions": [ "損耗、生銹、侵蝕、腐壞及貶值", "機械、電氣或電子故障", "家居動物及其他野生動物引致的損失", "惡意破壞、蓄意行為", "故意損毀財物的詐騙行為" ], "source_urls": [ "https://www.chubb.com/hk-zh/personal/home-insurance.html" ], "documents_found": [ "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁（2025-2026 現行版）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "全年保費：高樓 HK$665–1,610；矮房 HK$1,085–3,010；自選計劃按報價", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 4, "quote": "全年保費* 計劃 A 計劃 B 計劃 C 自選計劃 高樓 665 980 1,610 根據報價 矮房# 1,085 1,680 3,010 根據報價 # 矮房即獨立屋 / 半獨立屋 / 村屋 (不超過3層高)", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "coverage", "claim_summary": "家居物品保障：計劃A HK$300,000／B HK$500,000／C HK$1,000,000／自選高達 HK$6,000,000", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 4, "quote": "第1部份 家居物品保障 300,000 500,000 1,000,000 高達 6,000,000；1.1 家居物品每件/每套 100,000", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "coverage", "claim_summary": "個人責任保障：計劃A HK$5,000,000；計劃B/C/自選 HK$10,000,000", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 4, "quote": "第2部份 個人責任保障 5,000,000 10,000,000 10,000,000 10,000,000", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "coverage", "claim_summary": "額外住宿開支 HK$20,000", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 4, "quote": "第3部份 額外住宿開支 20,000 20,000 20,000 20,000", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "coverage", "claim_summary": "儲物設施內的家居物品 HK$60,000–120,000 或投保額20%（較低者）", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 4, "quote": "c 儲物設施內的家居物品 60,000 100,000 120,000 投保額的20%或120,000，以較低者為準", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "不設樓齡限制、不設面積限制；村屋或獨立屋受保無須附加保費", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 2, "quote": "計劃特點 • 不設樓齡限制 • 不設面積限制 • 村屋或獨立屋均受保障、無須附加保費", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "自付額：高樓 HK$400／矮房 HK$2,000；水損等 HK$1,500–2,000 或評定損失10%（較高者）", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 5, "quote": "a 任何損失或損毀(因火災、閃電或爆炸引致的除外) 400 2,000；b 因水損、風暴、固定管道漏水、山崩或下陷引致的損失或損毀 1,500或經評定損失金額的10%，以較高者為準 2,000或經評定損失金額的10%，以較高者為準", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "不設等候期；到期自動續保一年；索償須於事發後14天內提交", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 5, "quote": "等候期 – 保單不設有等候期，保障可即時或在特定日期生效 • 續保保單 – 本保單將於到期日當天自動續保一年；如須索償：1. 於事發後14天內填妥賠償申請表", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "exclusions", "claim_summary": "損耗、生銹、侵蝕、腐壞及貶值", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 5, "quote": "主要不保事項 • 損耗、生銹、侵蝕、腐壞及貶值", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "exclusions", "claim_summary": "機械、電氣或電子故障；家居動物及野生動物引致的損失", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 5, "quote": "• 機械、電氣或電子故障 • 因家居動物及其他野生動物引致的損失", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" }, { "claim_field": "exclusions", "claim_summary": "惡意破壞、蓄意行為；故意損毀財物的詐騙行為", "document": "安達保險 Chubb MyHomeGuard 家居保險官方產品專頁", "page": 5, "quote": "• 惡意破壞、蓄意行為 • 閣下故意損毀財物的詐騙行為", "url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" } ], "official_buy_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html", "promo": { "tag": "最新優惠", "note": "網上投保尊享折扣，特設高達千萬第三者法律責任保障", "buy_url": "https://www.chubb.com/hk-zh/personal/home-insurance.html" } }, { "id": "home-dah-sing", "category": "home", "insurer": "Dah Sing", "insurer_zh": "大新保險", "product_name": "HomeSure Household Insurance Plan", "product_name_zh": "「樂加家」家居保障計劃", "plan_tiers": [ "計劃A", "計劃B", "計劃C" ], "coverage": [ { "item": "家居財物", "limit": "計劃A HK$300,000／計劃B HK$600,000／計劃C HK$1,200,000（每件或每組上限 HK$30,000–120,000）", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=2", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 2, "quote": "家居財物 因意外導致的家居財物損失或損毀 300,000 600,000 1,200,000（每件或每組 30,000）（每件或每組 60,000）（每件或每組 120,000）" }, { "item": "貴重財物（計劃B/C）", "limit": "HK$150,000／300,000（每件或每組 HK$15,000／30,000）", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=2", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 2, "quote": "貴重財物 ‒ 限額 受保人或其家庭成員擁有的指定貴重財物在受保居所內的損失或損毀 不適用 150,000（每件或每組 15,000）300,000（每件或每組 30,000）" }, { "item": "臨時居所／租金損失", "limit": "HK$15,000／30,000／60,000（每日 HK$500／1,000／2,000）", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=2", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 2, "quote": "臨時居所／租金損失 受保居所因意外損毀致不適合居住，或被強制隔離，所引致的臨時居所費用或業主租金損失 15,000 30,000 60,000（每日500）（每日1,000）（每日2,000）" }, { "item": "租客蓄意破壞（業主出租）", "limit": "HK$15,000／30,000／60,000（自選樓宇租客蓄意破壞另計 HK$250,000）", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "室外家居財物（計劃B/C，爆竊除外）", "limit": "HK$30,000／60,000（每件或每組 HK$3,000／6,000）", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "學校停課津貼（計劃B/C）", "limit": "HK$1,000／2,000", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "家居意外（爆竊/行劫受傷，計劃B/C）", "limit": "身亡/永久傷殘 HK$50,000／100,000；休假津貼每日 HK$300／600", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "法律責任（業主/住客）", "limit": "HK$3,000,000／6,000,000／12,000,000；全球性個人責任適用（計劃B/C）", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "家居裝修期間損毀（計劃B/C）", "limit": "HK$600,000／1,200,000（裝修期不超過2個月、總裝修費不超過 HK$100,000）", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "搬遷期間損毀（計劃B/C）", "limit": "HK$600,000／1,200,000", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "全球性個人財物（計劃B/C）", "limit": "HK$15,000／30,000；金錢被竊 HK$1,500／3,000；盜用信用卡 HK$3,000／6,000；個人證件 HK$1,000／2,000", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "清理碎礫", "limit": "HK$3,000／6,000／12,000", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "冷藏食物及飲品（計劃B/C）", "limit": "HK$1,000／2,000", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "置換能源節約家庭電器（計劃B/C）", "limit": "HK$5,000／10,000", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "自選：樓宇", "limit": "重建費用（上限 HK$20,000,000）＋專業顧問費用及清理碎礫實際費用", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "自選：寵物醫療費用", "limit": "門診 HK$3,500/年（每日1次、每次HK$300）；X光及化驗 HK$2,000/年（每次HK$1,000）", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" }, { "item": "家居支援服務", "limit": "電力、渠道、鎖匠及家居清潔轉介服務", "source_url": "/docs/brochures/dahsing-wmd_gi_homesure.pdf#page=5", "document_name": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）" } ], "premium_range": "HK$530–3,220/年（視乎計劃、樓齡及面積）", "premium_available": true, "premium_notes": "官方保費表（樓齡≤40年）：計劃A HK$530–1,420、計劃B HK$680–1,820、計劃C HK$1,080–2,220；樓齡51–60年：計劃A HK$770–2,060、計劃B HK$990–2,640、計劃C HK$1,570–3,220。自選樓宇保費 HK$350–4,140/年；寵物醫療 HK$600–2,700/年。以上未計保監局徵費。", "key_terms": [ "只適用於建築面積不超過3,000平方呎（實用2,400平方呎）及樓齡不超過60年的住宅物業", "多層住宅大廈必須設有24小時駐守保安", "自負額：水損按樓齡 HK$1,000–15,000 或賠償額10%–15%（較高者）；山泥傾瀉/地陷 HK$10,000或10%；其他每宗首 HK$250；手提電腦 HK$500；室外家居財物 HK$2,000；村屋/獨立屋爆竊 HK$5,000或10%", "寵物醫療只適用於10歲以下已植入晶片貓狗，可續保至15歲" ], "exclusions": [ "自然損耗、磨損及撕裂，或折舊", "手提電話及其他具電話功能設備、植物、食物及飲品（冷藏食物除外）、隱形眼鏡、假牙及義肢", "居所連續空置逾30日後引致的財物損失", "使用中的運動用品及樂器", "無人看管車輛內發生的偷竊", "從事任何貿易、專業或僱傭活動的責任", "無形物品、數碼虛擬資產、數位貨幣" ], "source_urls": [ "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf", "https://www.dahsing.com/html/tc/insurance/general_insurance/domestic_helper_insurance.html", "https://www.dahsing.com/html/tc/insurance/general_insurance/home_insurance.html" ], "documents_found": [ "產品冊子（含保費表及不保事項）", "產品頁" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "每年保費：計劃A HK$530起至計劃C 樓齡51–60年最高 HK$3,220", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 5, "quote": "保費表 每年保費（港幣）計劃A 計劃B 計劃C：530 680 1,080 … 1,420 1,820 2,220（樓齡≤40）；$770 $990 $1,570 … $2,060 $2,640 $3,220（樓齡51–60，按物業建築/實用面積）", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "coverage", "claim_summary": "家居財物：計劃A HK$300,000／B HK$600,000／C HK$1,200,000（每件或每組上限 30,000–120,000）", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 2, "quote": "家居財物 因意外導致的家居財物損失或損毀 300,000 600,000 1,200,000（每件或每組 30,000）（每件或每組 60,000）（每件或每組 120,000）", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "coverage", "claim_summary": "法律責任：HK$3,000,000／6,000,000／12,000,000", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 3, "quote": "法律責任 因業主或住客身份，就第三者意外身體損傷或財物損毀而須承擔的法律責任 3,000,000 6,000,000 12,000,000", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "coverage", "claim_summary": "臨時居所／租金損失：HK$15,000／30,000／60,000（每日 500／1,000／2,000）", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 2, "quote": "臨時居所／租金損失 受保居所因意外損毀致不適合居住，或被強制隔離，所引致的臨時居所費用或業主租金損失 15,000 30,000 60,000（每日500）（每日1,000）（每日2,000）", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "coverage", "claim_summary": "貴重財物（計劃B/C）：HK$150,000／300,000（每件或每組 15,000／30,000）", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 2, "quote": "貴重財物 ‒ 限額 受保人或其家庭成員擁有的指定貴重財物在受保居所內的損失或損毀 不適用 150,000（每件或每組 15,000）300,000（每件或每組 30,000）", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "key_terms", "claim_summary": "只適用於建築面積≤3,000呎（實用≤2,400呎）及樓齡≤60年住宅；多層大廈須設24小時駐守保安", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 4, "quote": "「樂加家」只適用於建築面積不超過3,000呎或實用面積不超過2,400呎，及樓齡不超過60年的住宅物業。• 如受保物業為多層住宅大廈，其必須設有24小時駐守保安。", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "key_terms", "claim_summary": "水損自負額按樓齡每宗首 HK$1,000–15,000 或賠償額10%–15%（較高者）；山泥傾瀉/地陷 HK$10,000或10%", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 4, "quote": "自負額 水損 樓齡0–30年：每宗首港幣1,000元或最終賠償金額之10%（以較高者為準）…樓齡51–60年：每宗首港幣15,000元或15%（以較高者為準）；山泥傾瀉或地陷 每宗首港幣10,000元或最終賠償金額之10%（以較高者為準）", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "key_terms", "claim_summary": "寵物醫療只適用於10歲以下已植入晶片貓狗，可續保至15歲", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 4, "quote": "只適用於10歲以下貓隻及狗隻、已植入晶片、由受保人或其家庭成員領有執照、並於受保居所同住的寵物投保，並可續保直至15歲。", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "exclusions", "claim_summary": "自然損耗、磨損及撕裂或折舊；手提電話、植物、食物及飲品（冷藏食物除外）、隱形眼鏡、假牙及義肢", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 4, "quote": "主要不承保事項 • 自然損耗、磨損及撕裂，或折舊 • 手提電話及其他具有電話功能的設備、植物、食物及飲品（冷藏食物除外）、隱形眼鏡、假牙及義肢等", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "exclusions", "claim_summary": "居所連續空置逾30日後的財物損失；使用中的運動用品及樂器；無人看管車輛內偷竊", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 4, "quote": "• 居所連續空置逾30日後由受保事故所引致的財物損失 • 使用中的運動用品及樂器 • 偷竊發生在無人看管的車輛內", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" }, { "claim_field": "exclusions", "claim_summary": "從事貿易、專業或僱傭活動的責任；無形物品、數碼虛擬資產、數位貨幣", "document": "大新保險「樂加家」家居保障計劃產品冊子", "page": 4, "quote": "• 從事任何貿易、專業或僱傭活動的責任 • 任何無形物品、數碼虛擬資產、數位貨幣及任何類近的物品。", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_HomeSure.pdf" } ], "promo": { "tag": "最新優惠", "note": "大新信用卡客戶投保享額外現金回贈及分期零利率" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "home-liberty", "category": "home", "insurer": "Liberty", "insurer_zh": "利寶國際保險", "product_name": "Home Protector Plus", "product_name_zh": "Home Protector Plus 家居保障計劃", "plan_tiers": [ "Plan 1", "Plan 2", "Plan 3" ], "coverage": [ { "item": "家居財物（第1部分）", "limit": "Plan 1 HK$500,000／Plan 2 HK$1,000,000／Plan 3 HK$1,500,000（每件上限 HK$50,000–100,000；每宗索償自負額 HK$250）", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Section 1 - Household Contents¹ Covers accidental loss of or damage to your household contents subject to an excess of HK$250 for each claim Plan 1 HK$500,000/year HK$50,000/article Plan 2 HK$1,000,000/year HK$50,000/article Plan 3 HK$1,500,000/year HK$100,000/article" }, { "item": "貴重物品", "limit": "Plan 1/2 HK$150,000（每件 HK$10,000）；Plan 3 HK$250,000（每件 HK$15,000）", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Valuable Items Plan 1 HK$150,000/year HK$10,000/article Plan 2 HK$150,000/year HK$10,000/article Plan 3 HK$250,000/year HK$15,000/article" }, { "item": "易碎物品", "limit": "各計劃 HK$5,000/年", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "臨時住宿", "limit": "Plan 1/2 HK$50,000/年（每日 HK$1,500）；Plan 3 HK$65,000/年", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "搬遷（本地，專業搬運）", "limit": "Plan 1/2 HK$50,000（每件 HK$30,000）；Plan 3 HK$100,000（每件 HK$50,000）；自負額 HK$1,000", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "全球個人物品（Plan 2/3）", "limit": "HK$5,000／15,000（每件 HK$2,500／5,000；自負額 HK$500；不包括手機、眼鏡、現金等日用品）", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Worldwide cover for personal belongings subject to an excess of HK$500 (excluding daily necessities such as mobile phones, spectacles and cash, etc.) Plan 2 HK$5,000/year HK$2,500/article Plan 3 HK$15,000/year HK$5,000/article" }, { "item": "家居金錢被盜", "limit": "HK$2,000／2,000／3,000", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "信用卡及個人證件保障", "limit": "各計劃 HK$5,000/年", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "爆竊/行劫受傷醫療費用", "limit": "HK$5,000／5,000／10,000", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "更換門窗鎖", "limit": "HK$2,000／2,000／3,000", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "室內裝修工程（Plan 2/3）", "limit": "HK$50,000／100,000（每件 HK$3,000／6,000）", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "清理碎礫／暫時遷移／冷凍食品飲品", "limit": "各 HK$30,000／50,000／5,000", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "個人責任（第2部分）", "limit": "各計劃 HK$5,000,000/年", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "個人意外身故或永久完全傷殘（第3部分）", "limit": "各計劃 HK$150,000/年", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "24小時家居支援熱線", "limit": "諮詢及轉介服務（鎖匠、保姆/護理、水電、家電維修、滅蟲等）", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" }, { "item": "自選：家傭保險（第4部分）", "limit": "Plan A 僱員補償；Plan B 另加住院及手術（HK$300/日、HK$12,000/手術、HK$20,000/年）、門診、遣返費用 HK$10,000、家傭個人物品 HK$10,000", "source_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "document_name": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation" } ], "premium_range": "HK$500–3,153/年", "premium_available": true, "premium_notes": "官網保費表（按建築面積）：500呎或以下 Plan 1 HK$500／Plan 2 HK$600／Plan 3 HK$1,000；501–700呎 HK$600／820／1,294；701–1,000呎 Plan 2 HK$1,060／Plan 3 HK$1,671；1,001–1,500呎 HK$1,485／2,176；1,501–2,000呎 HK$1,800／2,682；2,001–2,500呎 HK$2,180／3,153；2,501呎以上另議。家傭保險 Plan A HK$200／Plan B HK$780。保費已含保監局徵費。", "key_terms": [ "家居財物每宗索償自負額 HK$250；搬遷自負額 HK$1,000；全球個人物品自負額 HK$500", "Plan 1 只適用於建築面積700呎或以下單位", "全球個人物品保障不包括手提電話、眼鏡、現金等日常用品" ], "exclusions": [ "官網產品頁未列明完整不保事項，詳情以保單條款及產品冊子為準（官網提供 Brochure 下載）" ], "source_urls": [ "https://www.libertyinternational.com/hk-en/home-protector-plus", "https://www.libertyinsurance.com.hk/zh-hk/personal/home/" ], "documents_found": [ "產品頁（含保障額表及保費表）", "產品冊子（官網下載）", "投保書（官網下載）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "每年保費（按建築面積）：HK$500（Plan 1, ≤500呎）至 HK$3,153（Plan 3, 2,001–2,500呎）；2,501呎以上另議", "document": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) Gross Floor Area (Square Feet) Plan 1 Plan 2 Plan 3 500 or below: Plan 1 HK$500 Plan 2 HK$600 Plan 3 HK$1,000 … 2,001 - 2,500: Plan 2 HK$2,180 Plan 3 HK$3,153 2,501 and above: Please contact Liberty for quotation", "url": "https://www.libertyinternational.com/hk-en/home-protector-plus" }, { "claim_field": "coverage", "claim_summary": "家居財物（第1部分）：Plan 1 HK$500,000／Plan 2 HK$1,000,000／Plan 3 HK$1,500,000 每年（每件 50,000–100,000）", "document": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Section 1 - Household Contents¹ Covers accidental loss of or damage to your household contents subject to an excess of HK$250 for each claim Plan 1 HK$500,000/year HK$50,000/article Plan 2 HK$1,000,000/year HK$50,000/article Plan 3 HK$1,500,000/year HK$100,000/article", "url": "https://www.libertyinternational.com/hk-en/home-protector-plus" }, { "claim_field": "coverage", "claim_summary": "貴重物品：Plan 1/2 HK$150,000（每件 10,000）；Plan 3 HK$250,000（每件 15,000）", "document": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Valuable Items Plan 1 HK$150,000/year HK$10,000/article Plan 2 HK$150,000/year HK$10,000/article Plan 3 HK$250,000/year HK$15,000/article", "url": "https://www.libertyinternational.com/hk-en/home-protector-plus" }, { "claim_field": "coverage", "claim_summary": "個人責任：各計劃高達 HK$5,000,000/年", "document": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Personal Liability Covers up to HK$5,000,000/year for third party bodily injury or property damages as a result of negligence … Section 2 - Personal Liability Plan 1 HK$5,000,000/year Plan 2 HK$5,000,000/year Plan 3 HK$5,000,000/year", "url": "https://www.libertyinternational.com/hk-en/home-protector-plus" }, { "claim_field": "coverage", "claim_summary": "全球個人物品（Plan 2/3）：HK$5,000／15,000 每年（每件 2,500／5,000；自負額 HK$500）", "document": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Worldwide cover for personal belongings subject to an excess of HK$500 (excluding daily necessities such as mobile phones, spectacles and cash, etc.) Plan 2 HK$5,000/year HK$2,500/article Plan 3 HK$15,000/year HK$5,000/article", "url": "https://www.libertyinternational.com/hk-en/home-protector-plus" }, { "claim_field": "key_terms", "claim_summary": "家居財物每宗索償自負額 HK$250；全球個人物品自負額 HK$500", "document": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Covers accidental loss of or damage to your household contents subject to an excess of HK$250 for each claim … Worldwide cover for personal belongings subject to an excess of HK$500", "url": "https://www.libertyinternational.com/hk-en/home-protector-plus" }, { "claim_field": "key_terms", "claim_summary": "Plan 1 只適用於建築面積700呎或以下單位（701呎或以上 Not Applicable）", "document": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Annual Premium Table (HK$) … 701 - 1,000: Plan 1 Not Applicable Plan 2 HK$1,060 Plan 3 HK$1,671（Plan 1 僅於 500 or below 及 501 - 700 提供）", "url": "https://www.libertyinternational.com/hk-en/home-protector-plus" }, { "claim_field": "exclusions", "claim_summary": "全球個人物品保障不包括手提電話、眼鏡、現金等日常用品", "document": "Liberty 利寶國際 Home Protector Plus 產品頁", "page": null, "quote": "Worldwide cover for personal belongings subject to an excess of HK$500 (excluding daily necessities such as mobile phones, spectacles and cash, etc.)", "url": "https://www.libertyinternational.com/hk-en/home-protector-plus" } ], "promo": { "tag": "最新優惠", "note": "官方網上報價，全面承保水浸、火災及個人法律責任" }, "official_buy_url": "https://www.libertyinternational.com/hk-en/home-protector-plus", "review_notes": [ "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ] }, { "id": "home-msig", "category": "home", "insurer": "MSIG", "insurer_zh": "三井住友保險", "product_name": "iHome Insurance", "product_name_zh": "iHome 家居保險", "plan_tiers": [ "計劃A", "計劃B" ], "coverage": [ { "item": "家居財物（全險）", "limit": "計劃A HK$1,000,000／計劃B HK$750,000（每件、每套或每系列上限 HK$100,000）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "家居財物 (任何不可預見的意外如火災、颱風、氣體爆炸、水災、山泥傾瀉、地陷或盜竊等所引致的損失或損毁) $1,000,000* 每件、每套或每系列 $100,000 ｜ $750,000* 每件、每套或每系列 $100,000" }, { "item": "家中貴重財物及珍藏品", "limit": "家居財物投保額1/3（每件 HK$15,000）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "家中貴重財物及珍藏品 包括: 如珠寶首飾、手錶等 家居財物保障投保額的三分之一 每件$15,000" }, { "item": "家居裝修", "limit": "投保額1/10或 HK$100,000（較低者）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "家居裝修 家居財物保障投保額的十分之一或$100,000，以較低者為準" }, { "item": "家中金錢、郵票錢幣收藏", "limit": "HK$5,000（每宗/每系列 HK$1,000）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "個人法律責任（免費附送，含業主公共地方及裝修責任）", "limit": "HK$8,000,000", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "搬遷保障", "limit": "HK$100,000（每件 HK$10,000）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "主要自負額 自負額 (港幣／元) 家居物品 一般 $500 水損 i) 多層大廈 a) 樓齡30年或以下 $1,000或索償額的5%，以較高者為準 b) 樓齡介乎31-40年之間 $3,000或索償額的10%，以較高者為準 c) 樓齡介乎41-50年之間 $5,000或索償額的20%，以較高者為準 … 搬遷保障 $1,000 山泥傾瀉及地陷 $10,000 或損失總值的10%，以較高者為準" }, { "item": "臨時居所／租金損失", "limit": "HK$50,000（每日 HK$1,500）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "意外身故（家中火災或盜竊）", "limit": "HK$50,000", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "颱風期間窗戶損毀", "limit": "HK$10,000", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "流動電話/平板/手提電腦意外損毀", "limit": "HK$2,000（每保險期一部）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "網上購物保障", "limit": "HK$10,000（每年最多兩次、每件 HK$1,500）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "冷藏食品、門鎖更換、家傭物品、辦公室/海外公幹個人物品等", "limit": "HK$2,500–5,000 不等", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "環保生活保障", "limit": "每件合資格家電額外 HK$1,000 或購入價10%（較低者）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "自選：樓宇建築保障", "limit": "所選投保額＋臨時居所 HK$50,000＋清理瓦礫 HK$10,000＋山泥傾瀉及地陷", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "自選：全球個人財物", "limit": "投保額（每件一般 HK$5,000）；金錢 HK$2,500；信用卡盜用 HK$10,000", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "自選：家傭保障", "limit": "僱員賠償 HK$100,000,000；手術及住院 HK$30,000 等（保障A/B）", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" }, { "item": "24小時家居緊急支援（免費附送）", "limit": "轉介服務", "source_url": "https://www.msig.com.hk/zh-hant/node/6031", "document_name": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922" } ], "premium_range": "HK$1,100–3,250/年", "premium_available": true, "premium_notes": "官網保費表（按建築面積）：500呎或以下 計劃A HK$1,340／計劃B HK$1,100；501–700呎 HK$1,740／1,400；701–1,000呎 HK$2,170／1,740；1,001–1,500呎 HK$2,780／2,210；1,501–2,000呎 HK$3,250／2,580；2,000呎以上另議。自選保障：樓宇結構為投保額0.09%；全球個人財物1.5%；家傭保障A HK$414／保障B HK$750。另加保監局徵費。", "key_terms": [ "自負額：一般 HK$500；水損按樓齡 HK$1,000–5,000 或索償額5%–20%；山泥傾瀉及地陷 HK$10,000 或損失10%；搬遷 HK$1,000", "住戶非物業持有人亦可投保", "滲水造成之家居財物損失受保（FAQ）；陽台/天台/露天的傢具、洗衣機及雪櫃受保", "家居改動及維修工程保障（合約期最多兩個月、工程價值最高 HK$150,000）" ], "exclusions": [ "之前發生或已存在的意外、損失、損毀或責任", "分間或轉租單位／已知有分間單位之大廈", "商業或度假屋用途；單位無人居住連續多於30天；違例建築物", "位於屋頂或露天地方的家居財物（指定傢具、洗衣機及雪櫃除外）", "流動/手提通訊器材（另有指定保障除外）", "離奇失蹤或無法解釋的損失；被批准進入住所之人士偷竊", "電器及電腦失靈或故障；損耗、維修不善；聲震；光線大氣及氣候現象", "非颱風/暴風/暴雨引致之滲水事故；汽車；牲口、寵物及動物" ], "source_urls": [ "https://www.msig.com.hk/zh-hant/node/6031", "https://insure.msig.hk/Direct/en/home-insurance", "https://www.msig.com.hk/ihome" ], "documents_found": [ "產品頁（含保障表、保費表、不保事項、自負額）", "產品資料下載" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "每年保費（按面積）：計劃A HK$1,340–3,250；計劃B HK$1,100–2,580；2,000呎以上另議", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "保費 建築面積(平方呎) 樓宇實用面積(平方呎) 每年保費 (港幣/元) 計劃A 計劃B 500或以下 400或以下 $1,340 $1,100；501–700 401-560 $1,740 $1,400；701–1,000 561-800 $2,170 $1,740；1,001–1,500 801-1,200 $2,780 $2,210；1,501–2,000 1,201-1,600 $3,250 $2,580；2,000以上 請致電我們的客戶服務熱線3122 6922", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "coverage", "claim_summary": "家居財物（全險）：計劃A HK$1,000,000／計劃B HK$750,000（每件、每套或每系列上限 HK$100,000）", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "家居財物 (任何不可預見的意外如火災、颱風、氣體爆炸、水災、山泥傾瀉、地陷或盜竊等所引致的損失或損毁) $1,000,000* 每件、每套或每系列 $100,000 ｜ $750,000* 每件、每套或每系列 $100,000", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "coverage", "claim_summary": "家中貴重財物及珍藏品：投保額三分之一（每件 HK$15,000）", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "家中貴重財物及珍藏品 包括: 如珠寶首飾、手錶等 家居財物保障投保額的三分之一 每件$15,000", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "coverage", "claim_summary": "個人法律責任（免費附送）HK$8,000,000", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "個人法律責任 (免費附送) 您或家人因疏忽導致第三者受傷或財物損失的法律責任 作為業主在居住樓宇範圍之公共地方所招致的法律責任 $8,000,000", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "coverage", "claim_summary": "家居裝修：投保額十分之一或 HK$100,000（較低者）", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "家居裝修 家居財物保障投保額的十分之一或$100,000，以較低者為準", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "key_terms", "claim_summary": "自負額：一般 HK$500；水損按樓齡 HK$1,000–5,000 或索償額5%–20%；山泥傾瀉及地陷 HK$10,000 或10%；搬遷 HK$1,000", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "主要自負額 自負額 (港幣／元) 家居物品 一般 $500 水損 i) 多層大廈 a) 樓齡30年或以下 $1,000或索償額的5%，以較高者為準 b) 樓齡介乎31-40年之間 $3,000或索償額的10%，以較高者為準 c) 樓齡介乎41-50年之間 $5,000或索償額的20%，以較高者為準 … 搬遷保障 $1,000 山泥傾瀉及地陷 $10,000 或損失總值的10%，以較高者為準", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "key_terms", "claim_summary": "住戶非物業持有人亦可投保；陽台/天台/露天的傢具、洗衣機及雪櫃受保", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "常見問題 如果我不是物業持有人，我可以購買家居保險嗎？可以。即使住戶不是物業持有人，家居保險亦為住戶及與其居住的家庭成員提供家居財物和法律責任等保障。… iHome家居保險承保放置於陽台、平台、露台、屋頂天台、走廊、前庭、後院或露天地方的傢具、洗衣機（及雪櫃）", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "exclusions", "claim_summary": "之前發生或已存在的意外；分間或轉租單位／已知有分間單位之大廈；商業或度假屋用途；無人居住多於連續30天；違例建築物", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "主要不保項目 適用於所有部份 之前發生或已存在的意外、損失、損毀或責任 分間或轉租之單位 受保單位位於已知有分間單位之大廈 受保單位用作商業或度假屋用途 單位無人居住多於連續 30 天 受保單位內存在違例建築物", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "exclusions", "claim_summary": "屋頂或露天地方的家居財物；流動/手提通訊器材；離奇失蹤；被批准進入住所之人士偷竊；電器及電腦失靈；損耗", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "家居財物部份 位於屋頂或露天地方的家居財物 流動／手提通訊器材，如流動／手提電話及傳呼機 … 離奇失蹤或無法解釋的損失 … 被批准進入住所之人士偷竊 電器及電腦失靈或故障 損耗、維修不善 聲震 光線、大氣及氣候現象", "url": "https://www.msig.com.hk/zh-hant/node/6031" }, { "claim_field": "exclusions", "claim_summary": "非颱風/暴風/暴雨引致之滲水事故；汽車；牲口、寵物及動物", "document": "MSIG 三井住友 iHome 家居保險產品頁", "page": null, "quote": "滲水事故 (由颱風、暴風或暴雨引致除外) 食物或飲品變質 (額外保障項目除外) 汽車 牲口、寵物及動物", "url": "https://www.msig.com.hk/zh-hant/node/6031" } ], "promo": { "tag": "最新優惠", "note": "網上投保輸入優惠碼享保費 7 折至 8 折優惠" }, "official_buy_url": "https://www.msig.com.hk/zh-hant/node/6031", "review_notes": [ "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ] }, { "id": "home-onedegree", "category": "home", "insurer": "OneDegree", "insurer_zh": "OneDegree 保險", "product_name": "OneDegree Home Insurance", "product_name_zh": "OneDegree 家居保險", "plan_tiers": [ "標準計劃", "加強計劃", "尊尚計劃" ], "coverage": [ { "item": "家居財物（尊尚計劃，不論呎數劃一）", "limit": "HK$1,200,000/年", "source_url": "/docs/brochures/onedegree-home-brochure-zh.pdf#page=4", "document_name": "OneDegree 家居保險產品頁", "page": 4, "quote": "高達 HK$120 萬家居財物保障¹，涵蓋漏水等家居意外…我們提供高達 HK$120 萬家居財物保障¹，讓你防患未然，安心無憂。" }, { "item": "第三者責任（尊尚計劃）", "limit": "HK$15,000,000/年", "source_url": "/docs/brochures/onedegree-home-brochure-zh.pdf#page=4", "document_name": "OneDegree 家居保險產品頁", "page": 4, "quote": "高達 HK$1,500 萬第三者責任保障¹，減低索償損失 每月保費少於 HK$100²，即享高達 HK$1,500 萬第三者責任保障索償上限¹。" }, { "item": "臨時住宿（尊尚計劃，含家人及寵物）", "limit": "最高 HK$100,000", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "重置地板及牆壁", "limit": "最高 HK$100,000", "source_url": "/docs/brochures/onedegree-home-brochure-zh.pdf#page=4", "document_name": "OneDegree 家居保險產品頁", "page": 4, "quote": "重置地板及牆壁 保障因漏水、火災或其他意外導致的地板及牆壁損毀，賠償重置所需成本，提供最高 HK$10 萬賠償¹。更換玻璃窗 …提供最高 HK$6,000 賠償¹。室外財物 …提供最高 HK$5 萬賠償¹。" }, { "item": "更換玻璃窗（颱風/風暴/火災/山泥傾瀉/洪水/搶劫/爆竊）", "limit": "最高 HK$6,000", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "室外財物", "limit": "最高 HK$50,000", "source_url": "/docs/brochures/onedegree-home-brochure-zh.pdf#page=4", "document_name": "OneDegree 家居保險產品頁", "page": 4, "quote": "重置地板及牆壁 保障因漏水、火災或其他意外導致的地板及牆壁損毀，賠償重置所需成本，提供最高 HK$10 萬賠償¹。更換玻璃窗 …提供最高 HK$6,000 賠償¹。室外財物 …提供最高 HK$5 萬賠償¹。" }, { "item": "個人意外身故（住所內意外/搶劫爆竊暴力）", "limit": "基本保障（額度見保單承保表）", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "清理廢物（加強及尊尚計劃）", "limit": "實際支出", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "室內裝修期間保障（加強及尊尚，裝修期≤2個月/60日）", "limit": "家居財物意外損失", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "酒類、冷凍食品、未經授權使用信用卡、遺失個人身份文件", "limit": "額外保障（佔用者適用）", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "自選：家電維修保障（尊尚計劃）", "limit": "14種家電，每年最高 HK$40,000 或維修發票金額（較低者），維修次數無上限", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "自選：樓宇結構及太陽能發電系統", "limit": "投保額 HK$500,000/1,000,000/1,500,000/2,000,000（劃一保費為投保額0.042%）", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "自選：出租保障", "limit": "租金損失最高6個月、每月 HK$20,000；租客蓄意破壞最高每項 HK$200,000", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "自選：寵物第三者責任", "limit": "納入第三者責任保障限額（最高 HK$15,000,000）", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "自選：寵物損毀保障（全港獨有）", "limit": "10種指定財物維修賠償，每次索償自付損失10%", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" }, { "item": "自選：家居維修服務", "limit": "電工、水喉/通渠、鎖匠基本維修支援（村屋/獨立屋每次 HK$400 自負額）", "source_url": "/docs/brochures/odhk-homev8.pdf#page=1", "document_name": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。" } ], "premium_range": "尊尚計劃（實用面積400呎以下、不含自選保障）首年7折後約 HK$1,108/年（約 HK$92/月）", "premium_available": true, "premium_notes": "官網即時報價；2026年8月31日或之前新客戶投保享首年保費7折。節能續保折扣：用電量比去年減少10%或每日用電少於8度，享額外5%保費減免。", "key_terms": [ "只承保樓齡50年或以下建築物", "村屋及獨立屋受保，不加額外保費、無需額外核保", "7天冷靜期取消權（無索償可全數退保費）；自動續保", "颱風/暴雨相關損失一般須於三號或以上熱帶氣旋警告或黃色或以上暴雨警告生效期間發生", "索償須於意外發生後30天內網上提交；5天索償服務保證（收妥文件起計）", "家電須香港購買、價值 HK$3,000–30,000、購買不超過60個月" ], "exclusions": [ "刮花、腐蝕、天然損耗等不承保風險", "已受其他保單保障之物件", "在受保物業居住的人有意或惡意造成物件破壞或損毀", "隱形眼鏡、流動/手提電話、電腦", "承保單位空置超過30天", "非強行暴力闖入之盜竊", "寵物或家養動物引起的財物損失（另有寵物損毀自選保障除外）" ], "source_urls": [ "https://www.onedegree.hk/zh-hk/home-insurance", "https://odhk.blob.core.windows.net/home/Homev8.pdf", "https://odhk.blob.core.windows.net/home/product-brochure-zh.pdf" ], "documents_found": [ "OneDegree 家居保險官方產品小冊子", "產品頁", "保單條款範本", "產品小冊子" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "尊尚計劃（實用面積400呎以下、不含自選保障）首年7折後 HK$1,108/年（約 HK$92/月）", "document": "OneDegree 家居保險產品頁", "page": null, "quote": "假設為實用面積400呎以下的單位投保尊尚計劃且不包含任何自訂保障，7折後其首年所需年繳保費為HK$1,108，便得出每月平均保費為HK$92，並四捨五入至個位。", "url": "https://www.onedegree.hk/zh-hk/home-insurance" }, { "claim_field": "coverage", "claim_summary": "家居財物（尊尚計劃，不論呎數劃一）高達 HK$1,200,000", "document": "OneDegree 家居保險產品頁", "page": null, "quote": "高達 HK$120 萬家居財物保障¹，涵蓋漏水等家居意外…我們提供高達 HK$120 萬家居財物保障¹，讓你防患未然，安心無憂。", "url": "https://www.onedegree.hk/zh-hk/home-insurance" }, { "claim_field": "coverage", "claim_summary": "第三者責任（尊尚計劃）高達 HK$15,000,000", "document": "OneDegree 家居保險產品頁", "page": null, "quote": "高達 HK$1,500 萬第三者責任保障¹，減低索償損失 每月保費少於 HK$100²，即享高達 HK$1,500 萬第三者責任保障索償上限¹。", "url": "https://www.onedegree.hk/zh-hk/home-insurance" }, { "claim_field": "coverage", "claim_summary": "臨時住宿最高 HK$100,000", "document": "OneDegree 家居保險產品頁", "page": null, "quote": "臨時住宿 若家居因意外損毀而無法居住，在外暫住的開支將獲得保障，提供最高 HK$10 萬賠償¹。", "url": "https://www.onedegree.hk/zh-hk/home-insurance" }, { "claim_field": "coverage", "claim_summary": "更換玻璃窗最高 HK$6,000；室外財物最高 HK$50,000；重置地板及牆壁最高 HK$100,000", "document": "OneDegree 家居保險產品頁", "page": null, "quote": "重置地板及牆壁 保障因漏水、火災或其他意外導致的地板及牆壁損毀，賠償重置所需成本，提供最高 HK$10 萬賠償¹。更換玻璃窗 …提供最高 HK$6,000 賠償¹。室外財物 …提供最高 HK$5 萬賠償¹。", "url": "https://www.onedegree.hk/zh-hk/home-insurance" }, { "claim_field": "key_terms", "claim_summary": "只承保樓齡50年或以下建築物", "document": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "本保單不適用於每個保障期首天時樓齡超過 50 年的建築物。", "url": "https://odhk.blob.core.windows.net/home/Homev8.pdf" }, { "claim_field": "key_terms", "claim_summary": "7天冷靜期取消權（無索償可全數退保費）；自動續保", "document": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 1, "quote": "你於7天內取消保單的權利：…適用於新投保之保單：投保日首７天內通知我們…如本保單沒有產生任何索償，我們會在收到通知後終止保單並退還所有已付保費。…本保單會在每個保障期完結後自動續保。", "url": "https://odhk.blob.core.windows.net/home/Homev8.pdf" }, { "claim_field": "key_terms", "claim_summary": "索償須於意外發生後30天內網上提交；5天索償服務保證", "document": "OneDegree 家居保險產品頁", "page": null, "quote": "只需於意外發生後30天內，上傳相關文件並回答幾個簡單問題，即可完成申請。5天索償服務保證 收妥所需文件及資料後起計5個工作天。", "url": "https://www.onedegree.hk/zh-hk/home-insurance" }, { "claim_field": "exclusions", "claim_summary": "非強行暴力闖入之盜竊；寵物或家養動物引起的財物損失；住所連續空置30天以上", "document": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 9, "quote": "1.1.2 由盜竊或企圖盜竊造成你的住所内的財物損失或損毀（強行暴力闖入或離開你的住所除外）；1.1.3 任何由你的寵物或任何家養寵物、動物引起或導致的財物損失；或 1.1.4 任何在你的住所連續30天以上空置後發生的財物損失。", "url": "https://odhk.blob.core.windows.net/home/Homev8.pdf" }, { "claim_field": "exclusions", "claim_summary": "隱形眼鏡；筆記本/平板/桌上電腦及手提電話", "document": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 38, "quote": "j) 隱形眼鏡。k) 違例工程、建築或結構。l) 筆記本電腦、平板電腦、手提電腦、桌上電腦、手提電話。", "url": "https://odhk.blob.core.windows.net/home/Homev8.pdf" }, { "claim_field": "exclusions", "claim_summary": "不可保風險：機電故障、刮花、生鏽、腐蝕、磨損、折舊等日積月累損毀", "document": "OneDegree 家居保險保單條款範本 (ODHK-HOME-202608)", "page": 24, "quote": "2.1.20 不可保風險，包括：a) 機電故障、損傷、刮花、凹陷、生鏽、腐蝕、磨損、折舊或任何日積月累造成的損毀；…f) 任何因日常使用造成的損毀", "url": "https://odhk.blob.core.windows.net/home/Homev8.pdf" } ], "original_price": 1315, "discounted_price": 1033, "official_buy_url": "https://www.onedegree.hk/zh-hk/home-insurance", "promo": { "tag": "首年保費 7 折", "code": "HOME30", "discount": "30% OFF", "note": "輸入優惠碼享首年 7 折；連續投保節能用戶續保再享額外 5% 折扣，可加購家電保養", "original_price": 1315, "discounted_price": 1033, "buy_url": "https://www.onedegree.hk/zh-hk/home-insurance" } }, { "id": "home-qbe", "category": "home", "insurer": "QBE", "insurer_zh": "昆士蘭保險", "product_name": "Home Insurance", "product_name_zh": "家居綜合保險", "plan_tiers": [ "基本計劃（業主/住戶）", "自選保障：個人貴重物品、家傭僱主責任" ], "coverage": [ { "item": "家居財物（第1部分全險）", "limit": "按承保表投保額；涵蓋室內、露天、銀行保險箱內、搬遷途中及新居（28日）家居財物", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "第三者責任（業主及/或住戶＋全球個人責任）", "limit": "高達 HK$10,000,000", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "租金損失／臨時住宿（樓宇不適合作預期用途）", "limit": "每日最高賠償按承保表（官網概述）", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "寵物相關保障", "limit": "寵物臨時居所、寵物意外身亡或被偷竊", "source_url": "/docs/brochures/qbe-home-plus-protection-brochure.pdf#page=2", "document_name": "QBE 昆士蘭保險香港「家居綜合保險」產品頁", "page": 2, "quote": "全方位保障你的家居財物，包括家居中的財物，露天的家居財物，銀行保險箱內的家居財物，運送往新居途中的家居財物，以及新居所的家居財物 … 寵物相關保障包括寵物臨時居所、意外身亡或被偷竊" }, { "item": "個人意外（第5部分：住所內火災/爆竊/盜竊引致身故或永久傷殘）", "limit": "16–65歲 HK$100,000；3–16歲 HK$20,000", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "醫療費用（住所內爆竊受傷）／信用卡盜用／工作地點家居財物", "limit": "各按承保表所列金額（第1部分附加保障11–21）", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "清理碎礫", "limit": "超過 HK$10,000 須先取得書面同意；臨時保護費用上限 HK$2,000", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "自選：個人貴重物品（第4部分，全球）", "limit": "高達 HK$600,000", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "自選：家傭僱主責任", "limit": "高達 HK$100,000,000", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "QBE 網絡家居維修商服務", "limit": "無需預繳費用，享12個月維修保養", "source_url": "/docs/brochures/qbe-qbe_home_policy_wording_mil.pdf#page=5", "document_name": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%" }, { "item": "第三者 / 公眾責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "臨時住宿 / 租金損失", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "全球個人物品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "冷凍食品", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "更換門鎖及鎖匙保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官網未列保費表，須於 hk-customer.qbe.com 網上即時報價；無索償折扣高達20%（連續1年5%、2年10%、3年15%、4年或以上20%）", "premium_available": false, "premium_notes": "無索償折扣不適用於個人貴重物品、個人意外及家傭僱主責任保障部分。另加保監局徵費。", "key_terms": [ "受保樓齡達50年（投保居所須以三合土、石或磚及水泥建造）", "有結構問題之樓宇不受保；超過50年樓齡及無適當維修或更換水喉之單位不適用", "業主自住、租客或出租均可投保；一站式全天候網上索償", "清盤/取消保單按未到期期間退還保費" ], "exclusions": [ "恐怖主義行為", "石棉", "電子數據", "蓄意損毀", "核能輻射", "戰爭", "合法扣押", "空置超過連續90日", "手提電話、手提電腦、電子手帳（除非保單內列明）" ], "source_urls": [ "https://www.qbe.com/hk/zh-hk/personal-insurance/home-insurance", "https://www.qbe.com/media/qbe/asia/hongkong/files/home-insurance-renewal/qbe_home_policy_wording_mil.pdf", "https://www.qbe.com/media/qbe/asia/hongkong/files/agy/hksi_home_plus_protection_brochure.pdf" ], "documents_found": [ "QBE 昆士蘭保險 家居綜合保險 Plus 產品規格單張", "產品頁", "保單條款", "產品小冊子" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "無索償折扣：連續1年5%、2年10%、3年15%、4年或以上20%", "document": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "11. no claims discount If You do not lodge a claim during the current Period of Insurance We will discount Your premium for the ensuing Period of Insurance by the following scale. number of years claim free Discount: One year 5%; Two consecutive years 10%; Three consecutive years 15%; Four or more consecutive years 20%", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/home-insurance-renewal/qbe_home_policy_wording_mil.pdf" }, { "claim_field": "coverage", "claim_summary": "第三者責任保障高達 HK$10,000,000", "document": "QBE 昆士蘭保險香港「家居綜合保險」產品頁", "page": null, "quote": "第三者責任保障高達 10,000,000港元", "url": "https://www.qbe.com/hk/zh-hk/personal-insurance/home-insurance" }, { "claim_field": "coverage", "claim_summary": "自選：個人貴重物品保障高達 HK$600,000；家傭僱主責任保障高達 HK$100,000,000", "document": "QBE 昆士蘭保險香港「家居綜合保險」產品頁", "page": null, "quote": "自選保障 個人貴重物品保障高達 600,000港元 家傭僱主責任保障高達 100,000,000港元", "url": "https://www.qbe.com/hk/zh-hk/personal-insurance/home-insurance" }, { "claim_field": "coverage", "claim_summary": "個人意外（住所內火災/爆竊/盜竊引致身故或永久傷殘）：16–65歲 HK$100,000；3–16歲 HK$20,000", "document": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 14, "quote": "SECTION 5 - PERSONAL ACCIDENT … Compensation We will pay up to: (a) HK$100,000 for any person aged between 16 and 65; (a) HK$20,000 for any child aged between 3 and 16", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/home-insurance-renewal/qbe_home_policy_wording_mil.pdf" }, { "claim_field": "coverage", "claim_summary": "寵物相關保障：寵物臨時居所、意外身亡或被偷竊；家居財物涵蓋露天、銀行保險箱內、搬遷途中及新居", "document": "QBE 昆士蘭保險香港「家居綜合保險」產品頁", "page": null, "quote": "全方位保障你的家居財物，包括家居中的財物，露天的家居財物，銀行保險箱內的家居財物，運送往新居途中的家居財物，以及新居所的家居財物 … 寵物相關保障包括寵物臨時居所、意外身亡或被偷竊", "url": "https://www.qbe.com/hk/zh-hk/personal-insurance/home-insurance" }, { "claim_field": "key_terms", "claim_summary": "受保樓齡達50年", "document": "QBE 昆士蘭保險香港「家居綜合保險」產品頁", "page": null, "quote": "QBE 特色保障 無索償折扣高達20％ 受保樓齡達50年 一站式家居理賠，全天候網上索償申請…", "url": "https://www.qbe.com/hk/zh-hk/personal-insurance/home-insurance" }, { "claim_field": "key_terms", "claim_summary": "QBE 網絡家居維修商：無需預繳費用，享12個月維修保養", "document": "QBE 昆士蘭保險香港「家居綜合保險」產品頁", "page": null, "quote": "昆士蘭保險網絡家居維修商，無需預繳費用，享有12個月維修保養服務", "url": "https://www.qbe.com/hk/zh-hk/personal-insurance/home-insurance" }, { "claim_field": "key_terms", "claim_summary": "空置超過連續90日不受保（除非取得書面同意）", "document": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "10. Unoccupancy We do not cover Loss or Damage during any period exceeding ninety (90) consecutive days during which Your Building has been left uninhabited unless You have Our written consent noting unoccupancy.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/home-insurance-renewal/qbe_home_policy_wording_mil.pdf" }, { "claim_field": "exclusions", "claim_summary": "恐怖主義行為；石棉", "document": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "general exclusions - what is not insured under any Section … 1. act of terrorism Any Act of Terrorism where such act: (a) is directly or indirectly caused by…biological, chemical, or nuclear weapons, pollution or contamination… 2. asbestos Any claim or claims in respect of loss or losses directly or indirectly arising out of, resulting from…asbestos in whatever form or quantity.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/home-insurance-renewal/qbe_home_policy_wording_mil.pdf" }, { "claim_field": "exclusions", "claim_summary": "電子數據；蓄意損毀；核能輻射；戰爭", "document": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 5, "quote": "3. Electronic Data (a) Total or partial destruction, distortion, erasure, corruption…of Electronic Data… 4. Intentional damage Any deliberate or intentional damage… 5. nuclear Ionising radiation from, or contamination by radio-activity… 6. War War or warlike activities including invasion, act of a foreign enemy, hostilities (whether war is declared or not), civil war…", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/home-insurance-renewal/qbe_home_policy_wording_mil.pdf" }, { "claim_field": "exclusions", "claim_summary": "手提電話、手提電腦等流動通訊/電腦設備（家居財物基本保障不保物件）", "document": "QBE 家居綜合保險保單條款 (Policy Wording)", "page": 6, "quote": "• mobile/portable radio, mobile/portable telecommunications or mobile/portable computer equipment including laptop computer, mobile phone or hand-held computer or pager;", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/home-insurance-renewal/qbe_home_policy_wording_mil.pdf" } ], "official_buy_url": "https://www.qbe.com/hk/zh-hk/personal-insurance/home-insurance", "promo": { "tag": "最新優惠", "note": "昆士蘭保險官方投保，專設業主及租客量身訂造方案", "buy_url": "https://www.qbe.com/hk/zh-hk/personal-insurance/home-insurance" }, "review_notes": [ "2026-10-02：隔離 5 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "home-zurich", "category": "home", "insurer": "Zurich", "insurer_zh": "蘇黎世保險", "product_name": "Breezy Home Insurance Plan (Householder)", "product_name_zh": "「自在家居」保險計劃（住戶保險）", "plan_tiers": [ "基本計劃", "綜合計劃" ], "coverage": [ { "item": "家居財物總保障額（按面積，基本計劃）", "limit": "每年 HK$600,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "家居財物總保障額（綜合計劃，≤700建築呎）", "limit": "每年 HK$750,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "家居財物總保障額（綜合計劃，701–1,500建築呎）", "limit": "每年 HK$1,000,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "家居財物總保障額（綜合計劃，1,501建築呎及以上）", "limit": "每年 HK$1,250,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "額外家居財物保障（自選，綜合計劃）", "limit": "每年額外增加 HK$500,000 / 1,000,000 / 2,000,000（最高合共 HK$3,250,000）", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "室內家居財物", "limit": "每組 HK$100,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "個人物品／貴重物品／收藏品／酒類", "limit": "每組 HK$10,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=18", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 18, "quote": "c) Contents 財物 100,000 100,000 d) Personal effects / Valuables / Collections / Wine 個人物品／「貴重物品」/ 收藏品 / 酒類 10,000 10,000；b) Loss of personal money 個人金錢失竊 10,000 10,000" }, { "item": "個人金錢失竊", "limit": "每次意外 HK$10,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=18", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 18, "quote": "c) Contents 財物 100,000 100,000 d) Personal effects / Valuables / Collections / Wine 個人物品／「貴重物品」/ 收藏品 / 酒類 10,000 10,000；b) Loss of personal money 個人金錢失竊 10,000 10,000" }, { "item": "電子通訊產品（綜合計劃）", "limit": "每組 HK$2,500（每年最多2次索償，使用環保回收服務可多1次）", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "筆記簿型／平板電腦（綜合計劃）", "limit": "每部 HK$5,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "室外家居財物（陽台、天台等傢具、洗衣機、雪櫃）", "limit": "每次意外 HK$50,000，每件 HK$2,500", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "清理碎礫、暫時搬遷時的家居財物", "limit": "每次意外 HK$50,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "冷藏食物變壞", "limit": "每次意外 HK$10,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "搬遷新居及室內裝修時家居財物", "limit": "每次意外 HK$100,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "臨時居所及膳食費用（綜合計劃）", "limit": "每次意外 HK$50,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "法律責任（業主/佔用人/租客＋全球性個人責任）", "limit": "基本計劃每年 HK$5,000,000；綜合計劃每年 HK$10,000,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "意外身故（任何住戶成員）", "limit": "基本計劃每次意外 HK$100,000；綜合計劃 HK$200,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "緊急家居支援（電力維修、水喉匠、鎖匠，綜合計劃）", "limit": "免找數方案（限標準地區基本時段）", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "樓宇保障（自選，綜合計劃）", "limit": "以每次意外後重建費用計算；清理碎礫及建築師/測量師費各為重建費用5%（含電動車充電設施及太陽能光伏系統）", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" }, { "item": "全球個人物品保障（自選，綜合計劃）", "limit": "非指定物件每年 HK$50,000、每件 HK$10,000；未經授權使用信用卡/金錢失竊/補領證件各每次 HK$10,000", "source_url": "/docs/brochures/info-zhm-dir-002-04-2023.pdf#page=19", "document_name": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000" } ], "premium_range": "官網未列固定保費表，須網上即時報價；推廣優惠碼 HOME20 享首年保費8折（優惠期至2025年6月1日）", "premium_available": false, "premium_notes": "保費按單位面積、計劃級別及自選保障釐定，於 buy.zurich.com.hk 即時報價。另設家居節電續保保費折扣 HK$50（參與碳中和活動，用電較上年減少）。", "key_terms": [ "自負額：水濕損毀、颱風、風暴、山泥傾瀉及地陷每次 HK$1,000；其他每次 HK$500；法律責任每次 HK$1,000；全球個人物品每次 HK$500", "多層住宅大廈及獨立屋均受保", "保障電動汽車充電設施引致的法律責任及太陽能光伏系統損壞", "家居用電碳抵銷活動及節電續保折扣" ], "exclusions": [ "詳細不保事項以保單條款（ZHM-DIR-002-04-2023）為準", "網頁概述提及一般除外：損耗、無法解釋損失等（完整列表見保單條款 PDF）" ], "source_urls": [ "https://www.zurich.com.hk/zh-hk/products/home/breezy-home-insurance-plan-householder", "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf", "https://www.zurich.com.hk/zh-hk/products/home/breezy-home-insurance-plan-landlord", "https://buy.zurich.com.hk" ], "documents_found": [ "產品頁保障表", "保單條款", "產品冊子下載" ], "citations": [ { "claim_field": "coverage", "claim_summary": "家居財物總保障額：基本計劃每年 HK$600,000；綜合計劃按面積 HK$750,000–1,250,000", "document": "蘇黎世「自在家居」保險計劃（住戶保險）產品頁", "page": null, "quote": "保障表 1. 家居財物保障 總保障額 最高保障額（港元）建築面積（平方呎）／實用面積（平方呎）基本計劃 綜合計劃 700或以下／560或以下 每年600,000 每年750,000；701至1,500／561至1,200 每年1,000,000；1,501及以上／1,201及以上 每年1,250,000", "url": "https://www.zurich.com.hk/zh-hk/products/home/breezy-home-insurance-plan-householder" }, { "claim_field": "coverage", "claim_summary": "法律責任：基本計劃每年 HK$5,000,000；綜合計劃每年 HK$10,000,000", "document": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "2 Legal Liability 法律責任 Limit of liability 保障額 Per any one Accident and any one period of insurance 任何一宗「意外」及任何一個「保險期」5,000,000 10,000,000", "url": "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf" }, { "claim_field": "coverage", "claim_summary": "室內財物每件（一套、一對或一組）HK$100,000；個人物品／貴重物品／收藏品／酒類每組 HK$10,000；個人金錢失竊 HK$10,000", "document": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 18, "quote": "c) Contents 財物 100,000 100,000 d) Personal effects / Valuables / Collections / Wine 個人物品／「貴重物品」/ 收藏品 / 酒類 10,000 10,000；b) Loss of personal money 個人金錢失竊 10,000 10,000", "url": "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf" }, { "claim_field": "coverage", "claim_summary": "室外家居財物：每次意外 HK$50,000，每件 HK$2,500", "document": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 18, "quote": "1.1.2. Property in the open at Your Home 「你」的「家居」室外財物 a) Sub limit per any one Accident（任何一宗「意外」內之限額）50,000 50,000 b) Limit per item (per set, pair or collection) 就每件（一套、一對或一組）物品保障限額 2,500 2,500", "url": "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf" }, { "claim_field": "coverage", "claim_summary": "意外身故：基本計劃 HK$100,000；綜合計劃 HK$200,000", "document": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "3 Accidental Death 意外身故 Limit of liability 保障額 Per any one Accident and any one period of insurance 100,000 200,000", "url": "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf" }, { "claim_field": "key_terms", "claim_summary": "自負額：水濕損毀、颱風、風暴、山泥傾瀉及地陷每次 HK$1,000；其他每次 HK$500；法律責任每次 HK$1,000", "document": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 20, "quote": "自負額列表 Excess table Section 1 家居財物保障 每次損失：1) 由水濕造成的損毀、颱風、風暴、山泥傾瀉及地陷 HKD 1,000 2) 其他 HKD 500；Section 2 法律責任 每次損失：HKD 1,000", "url": "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf" }, { "claim_field": "key_terms", "claim_summary": "緊急家居支援（電力維修、水喉匠、鎖匠）免找數方案（綜合計劃）", "document": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 19, "quote": "4 Emergency Assistance Benefits 緊急援助服務 Emergency Home Assistance Service「緊急家居支援服務」a) Electrical, plumbing, locksmith assistances 電力維修、水喉匠、鎖匠 Not applicable 不適用 | Hassle-free cashless approach 免找數方案", "url": "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf" }, { "claim_field": "key_terms", "claim_summary": "家居用電碳抵銷活動及節電續保折扣 HK$50", "document": "蘇黎世「自在家居」保險計劃（住戶保險）產品頁", "page": null, "quote": "如果您的同一家居對比上一年有節省用電，您除了可以得到碳中和活動的參與證書，更會獲得50港元的續保保費折扣以示鼓勵！", "url": "https://www.zurich.com.hk/zh-hk/products/home/breezy-home-insurance-plan-householder" }, { "claim_field": "exclusions", "claim_summary": "無法解釋的損失或任何財物失蹤；非法活動；蓄意損壞；間接損失", "document": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 14, "quote": "第三部分 – 一般不承保事項 …1. 無法解釋的損失 無法解釋的損失或任何財物失蹤。2. 非法活動 任何「你」及／或「住戶」的刑事、或非法行為。…4. 蓄意損壞 「你」或「住戶」或其「僱員」或「家傭」的蓄意行為。5. 間接損失 任何性質的間接損失。", "url": "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf" }, { "claim_field": "exclusions", "claim_summary": "自然損耗、生銹、腐蝕、黴菌；寵物/蟲鼠造成的損毀；居所連續30天無人居住", "document": "蘇黎世「自在家居」保險計劃保單條款 (ZHM-DIR-002)", "page": 10, "quote": "不承保事項：…3. 逐漸變化 3.1. 自然損耗：生銹、腐蝕、侵蝕、黴菌、溫度或濕度改變、濕腐或乾腐、不適當維修、變質，外觀變化；3.2. 刮花，或出現凹痕…4. 動物造成的損毀：任何家居寵物或昆蟲、幼蟲或任何有害蟲鼠造成的噬咬、刮花、撕裂或弄汙損毀。5. 無人居所：「你」的「家居」連續三十(30)天無人居住", "url": "https://info.zurich.com.hk/policy/ZHM-DIR-002-04-2023.pdf" } ], "original_price": 800, "discounted_price": 560, "promo": { "tag": "首年保費 7 折", "code": "HOME30", "discount": "30% OFF", "note": "輸入優惠碼享首年 7 折；24小時緊急水喉/開鎖/電力維修支援；第三者責任達 HK$1,000 萬", "original_price": 800, "discounted_price": 560 }, "official_buy_url": "https://www.zurich.com.hk/zh-hk/products/home/breezy-home-insurance-plan-householder", "review_notes": [ "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ] }, { "id": "life-aia", "category": "life", "insurer": "AIA", "insurer_zh": "友邦保險", "product_name": "EasyGuard Term Life Plan", "product_name_zh": "守康易定期壽險計劃", "product_type": "定期壽險", "plan_tiers": [ "基本計劃（每年續保，保障期至85歲）" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（最低投保額 HK$200,000，最高可達數千萬港元；不幸身故一筆過免稅現金賠付予指定受益人，非退還已繳保費）+ 額外 HK$5,000 / US$650 恩恤身故金（扣除任何保單欠款）", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "我們將向您於保單指定的受益人，支付身故賠償，金額相等於保額的100%加650美元或5,000港元／澳門幣。我們支付身故賠償予受益人之前，將先扣除保單內所有未向我們償還的款項。" }, { "item": "保障期", "limit": "每年續保，保證續保至受保人85歲", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "我們將向您於保單指定的受益人，支付身故賠償，金額相等於保額的100%加650美元或5,000港元／澳門幣。我們支付身故賠償予受益人之前，將先扣除保單內所有未向我們償還的款項。" }, { "item": "轉換權益", "limit": "受保人70歲生日後緊隨的保障週年日或之前，可免健康申報轉換至終身壽險計劃（須繳額外保費）", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "您可於受保人70歲生日後緊隨的保障週年日當日或之前將本計劃轉換為終身壽險計劃，而毋須再次提供健康申報，惟須繳付額外保費及受限於當時我們就此項權益可提供的一眾產品選擇而定。" }, { "item": "投保年齡", "limit": "16至70歲", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "我們將向您於保單指定的受益人，支付身故賠償，金額相等於保額的100%加650美元或5,000港元／澳門幣。我們支付身故賠償予受益人之前，將先扣除保單內所有未向我們償還的款項。" }, { "item": "保單貨幣", "limit": "港元 / 美元 / 澳門幣（澳門簽發）", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "我們將向您於保單指定的受益人，支付身故賠償，金額相等於保額的100%加650美元或5,000港元／澳門幣。我們支付身故賠償予受益人之前，將先扣除保單內所有未向我們償還的款項。" }, { "item": "繳費方式", "limit": "年繳 / 半年繳 / 季繳 / 月繳", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "我們將向您於保單指定的受益人，支付身故賠償，金額相等於保額的100%加650美元或5,000港元／澳門幣。我們支付身故賠償予受益人之前，將先扣除保單內所有未向我們償還的款項。" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障年期 / 續保", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3" }, { "item": "保費返還與現金價值", "limit": "純保障定期壽險，零儲蓄成分及退保價值（期滿平平安安不退還已繳保費）；保費純粹用作高額身故保障槓桿。唯一退款情況：保單生效首年內自殺退還已繳保費；21天冷靜期內退保可獲100%退還已繳保費及徵費。", "source_url": "/docs/brochures/aia-easyguardtermlife_tc.pdf.coredownload.inline.pdf#page=3", "document_name": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "純保障定期壽險，零儲蓄成分及退保價值（期滿平平安安不退還已繳保費）；保費純粹用作高額身故保障槓桿。唯一退款情況：保單生效首年內自殺退還已繳保費；21天冷靜期內退保可獲100%退還已繳保費及徵費。" } ], "premium_range": "按年齡/性別/吸煙習慣釐定；產品冊子附年繳保費率表（每1,000元保額計）", "premium_available": true, "premium_notes": "官方產品冊子年繳保費率表（非保證）：30歲非吸煙男性每HK$1,000保額年繳0.92，即HK$100萬保額約HK$920/年；50歲非吸煙男性3.10（約HK$3,100/年）；吸煙者費率較高（30歲男性1.30）。保額達HK$1,875,000或以上享保費折扣（每1,000元保額減0.09）。續保保費按續保時年齡及當時費率調整。", "key_terms": [ "保證每年續保至85歲，不會因健康狀況改變而提高個別保費", "保費率表為非保證，公司可不時覆核並於保單年度終結前31天書面通知調整", "21天冷靜期內可取消保單並獲退還已繳保費", "純保障計劃，不含任何儲蓄成分，無現金價值", "保費到期日31天寬限期內未繳交，保單終止", "需另繳保險業監管局法定保費徵費（現行法定徵費率 0.1%）", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "詳細不保事項載於保單契約；產品冊子未盡錄，投保前應索取保單合約樣本", "自殺條款按保單契約標準條款執行（一般為保單簽發起指定期內自殺不賠）" ], "source_urls": [ "https://www.aia.com.hk/zh-hk/products/life/easyguard-term-life-plan", "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" ], "documents_found": [ "官方產品頁（aia.com.hk/zh-hk/products/life/easyguard-term-life-plan）", "守康易定期壽險計劃產品冊子 PDF（含年繳保費率表）", "同頁相關終身壽險產品：摯誠定期壽險計劃 Wisdom Term Life Plan（投保年齡出生15天至70歲）、充裕未來/Admire Life 等終身壽險系列" ], "citations": [ { "claim_field": "coverage", "claim_summary": "身故賠償＝保額100%＋650美元/5,000港元，扣除未償還款項", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "我們將向您於保單指定的受益人，支付身故賠償，金額相等於保額的100%加650美元或5,000港元／澳門幣。我們支付身故賠償予受益人之前，將先扣除保單內所有未向我們償還的款項。", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "每年續保，保證續保至受保人85歲", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 2, "quote": "計劃更保證可每年續保至受保人85歲，讓您安心享受生活。", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "轉換權益：受保人70歲生日後緊隨的保障週年日或之前可免健康申報轉換終身壽險，須繳額外保費", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 3, "quote": "您可於受保人70歲生日後緊隨的保障週年日當日或之前將本計劃轉換為終身壽險計劃，而毋須再次提供健康申報，惟須繳付額外保費及受限於當時我們就此項權益可提供的一眾產品選擇而定。", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "premium_range", "claim_summary": "冊子附年繳保費率表（每1,000元保額）：30歲男非吸煙0.92／吸煙1.30；50歲男非吸煙3.10", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 4, "quote": "年繳保費率表（每年續保，以每一千美元／港元／澳門幣保額）實際年齡 男 女 非吸煙者 吸煙者 非吸煙者 吸煙者 … 30 0.92 1.30 0.91 1.20 … 50 3.10 5.90 2.36 4.45", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "premium_notes", "claim_summary": "費率表只計算首年保費，非保證；每年度終結前書面通知來年實際保費", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 4, "quote": "下列年繳保費率為用作計算根據受保人現時實際年齡為此保障應支付的首年保費，並不能用作計算視為實際未來所需支付的保費。我們會在每個保單年度終結前以書面通知保單持有人來年實際所需支付的保費。", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "純保障計劃，不含儲蓄成分", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 6, "quote": "本計劃為保險計劃，並不包括任何儲蓄成分。所有繳付的保費都用作提供保險及相關開支的用途。", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "保費到期日後31日內未繳交保費，保單終止", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 6, "quote": "以下情況發生，我們將會終止您的保單，而您／受保人將失去保障：• 受保人身故；• 於保費到期日後31日內仍未繳交保費；• 計劃轉換為終身人壽保險計劃", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "保費率非保證，公司可不時覆核並於每年度終結時調整", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 7, "quote": "為了持續向您提供保障，我們會不時覆核您計劃下的保費。如有需要，我們會於每年度終結時作出相應調整。", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "21個曆日冷靜期內取消保單可取回已繳保費及徵費", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 7, "quote": "您有權以書面通知我們取消保單並取回已繳保費及保費徵費。有關書面通知必須由您簽署，並確保由交付新保單或冷靜期通知書給您或您指定代表之日緊接起計的21個曆日內（以較先者為準）", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "需向保險業監管局繳交法定保費徵費（現行法定徵費率 0.1%）", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 7, "quote": "所有保單持有人均需向保險業監管局為其新繕發及現行香港保單繳付的每筆保費繳交徵費。", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" }, { "claim_field": "exclusions", "claim_summary": "自殺條款：保單生效起計1年內自殺只退還已付保費（不計利息）", "document": "守康易定期壽險計劃產品冊子 EasyGuardTermLife_tc.pdf", "page": 7, "quote": "若受保人於保單生效起計一年內自殺身亡，我們就此保單的賠償責任只限退還於此計劃下扣除所有向我們償還的款項後的已付保費（不包括利息）。", "url": "https://www.aia.com.hk/content/dam/hk/zh-hk/pdf/product-brochure/individuals/easyguard-term-life/EasyGuardTermLife_tc.pdf.coredownload.inline.pdf" } ], "official_buy_url": "https://www.aia.com.hk/zh-hk/products/life/easyguard-term-life-plan", "promo": { "tag": "最新優惠", "note": "低保費高保障，設保證續保權及末期疾病提前賠償", "buy_url": "https://www.aia.com.hk/zh-hk/products/life/easyguard-term-life-plan" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-axa", "category": "life", "insurer": "AXA", "insurer_zh": "安盛", "product_name": "Smart Elite Term / Smart Term", "product_name_zh": "真智精選定期保險 / 真智定期保險", "product_type": "定期壽險", "plan_tiers": [ "1年定期續保", "5年定期續保", "10年定期續保", "保障至75歲" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（基本計劃最低保額 HK$240,000 / US$30,000，附加契約最低 HK$80,000，最高保額可達數千萬港元；不幸身故一筆過免稅現金賠償予指定受益人，非退還已繳保費；扣除未償還保單欠款）", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=2", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 2, "quote": "當被保人不幸身故，指定受益人將獲支付相等於保額的保險賠償。" }, { "item": "繕發年齡", "limit": "1年/5年期：16至70歲；10年期及保障至75歲：16至65歲", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=3", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 3, "quote": "繕發年齡 16 – 70歲 16 – 70歲 16 – 65歲 16 – 65歲 保費 # 每年調整 每5年調整 每10年調整 不會根據被保人的已屆年齡調整 保費率並非保證 保費繳付年期 至75歲 保險保障期 至75歲" }, { "item": "保險保障期", "limit": "至75歲", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=3", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 3, "quote": "繕發年齡 16 – 70歲 16 – 70歲 16 – 65歲 16 – 65歲 保費 # 每年調整 每5年調整 每10年調整 不會根據被保人的已屆年齡調整 保費率並非保證 保費繳付年期 至75歲 保險保障期 至75歲" }, { "item": "最低保額", "limit": "基本計劃：HK$240,000；附加契約：HK$80,000", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=3", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 3, "quote": "最低保額 基本計劃：240,000港元 附加契約：80,000港元" }, { "item": "保費調整", "limit": "1年期每年調整；5年期每5年調整；10年期每10年調整；保障至75歲版本不按已屆年齡調整（保費率並非保證）", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=2", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 2, "quote": "當被保人不幸身故，指定受益人將獲支付相等於保額的保險賠償。" }, { "item": "轉換權益", "limit": "保證於70歲前可轉至AXA指定保險計劃，毋須提供受保資格證明", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=2", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 2, "quote": "您亦可在70歲前，在毋須提供任何受保資格證明下，將您的定期保險計劃轉換至我們指定的保險計劃，惟須獲本公司批准。" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障年期 / 續保", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保單貨幣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 2, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=2" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 2, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=2" }, { "item": "保費返還與現金價值", "limit": "純消費型定期保障，不設退保價值或儲蓄成分（期滿在生不退還保費）；保費純粹用於身故風險槓桿。唯一退還已繳保費情況：保單生效首年內自殺退還保費，或於21天冷靜期內退保全數退還已繳保費及保費徵費。", "source_url": "/docs/brochures/axahk-axahk_2fbdbcc4db-b943-4da2-9787-71584cffb855_smart_term_brochure_current.pdf#page=2", "document_name": "真智精選定期保險／真智定期保險產品說明書（smart-term-brochure-current.pdf）", "page": 2, "quote": "純消費型定期保障，不設退保價值或儲蓄成分（期滿在生不退還保費）；保費純粹用於身故風險槓桿。唯一退還已繳保費情況：保單生效首年內自殺退還保費，或於21天冷靜期內退保全數退還已繳保費及保費徵費。" } ], "premium_range": "需向AXA理財顧問報價（官網無公開保費率表）", "premium_available": false, "premium_notes": "非吸煙人士可享特別保費優惠；基本計劃形式繕發須徵收保單行政費（已包含在保費計算中）。保費率並非保證。", "key_terms": [ "4項靈活選擇：1年/5年/10年定期續保或保障至75歲", "保證續保：75歲前支付續保保費即自動續保至另一年期", "21天冷靜期內可取消保單並退回已繳保費（已接納索償除外）", "多種附加契約可供選擇（意外、危疾等）", "增值權益附加條款：可按年增加保額（受核保要求限制）", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "不保事項詳見產品說明書「重要資料」及保單合約", "自殺等標準不保事項按保單條款執行" ], "source_urls": [ "https://www.axa.com.hk/zh/smart-elite-term-smart-term" ], "documents_found": [ "AXA 安盛「真智精選定期保險／真智定期保險」官方產品說明書及現行保單條款（2025-2026 現行版）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "身故賠償＝保額100%", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 2, "quote": "當被保人不幸身故，指定受益人將獲支付相等於保額的保險賠償。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "coverage", "claim_summary": "4項選擇：1年／5年／10年定期續保及保障至75歲", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 2, "quote": "兩項定期保險計劃均提供4項選擇，包括1年定期續保、5年定期續保、10年定期續保，以及保障至75歲", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "coverage", "claim_summary": "繕發年齡：1年/5年期16-70歲；10年期及保障至75歲16-65歲；保費率並非保證；保障期至75歲", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 3, "quote": "繕發年齡 16 – 70歲 16 – 70歲 16 – 65歲 16 – 65歲 保費 # 每年調整 每5年調整 每10年調整 不會根據被保人的已屆年齡調整 保費率並非保證 保費繳付年期 至75歲 保險保障期 至75歲", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "coverage", "claim_summary": "最低保額：基本計劃240,000港元；附加契約80,000港元", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 3, "quote": "最低保額 基本計劃：240,000港元 附加契約：80,000港元", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "key_terms", "claim_summary": "保證續保至75歲", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 2, "quote": "無論您的身體狀況如何，您都可續保您的定期保險計劃，延續保障直至75歲。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "key_terms", "claim_summary": "75歲前支付續保保費即自動續保至另一年期", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 5, "quote": "有關1年、5年或10年之定期保險計劃，於被保人75歲前，只要於續保時支付續保保費，定期保險計劃將自動續保至另一年期。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "key_terms", "claim_summary": "轉換權益：70歲前毋須提供受保資格證明轉換至指定計劃", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 2, "quote": "您亦可在70歲前，在毋須提供任何受保資格證明下，將您的定期保險計劃轉換至我們指定的保險計劃，惟須獲本公司批准。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "key_terms", "claim_summary": "21天冷靜期內可取消保單退回已繳保費（已接納索償除外）", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 4, "quote": "起計的21天內，本公司的客戶服務（香港銅鑼灣勿地臣街1號時代廣場2座20樓2001室）必須直接收到由您簽署的該等申請信。保單將隨後予以取消，而您已繳付的保費將獲得退回，但若索償申請已被接納，保費將不予退回。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "key_terms", "claim_summary": "增值權益附加條款：保額每年自動增加（受核保要求限制）", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 3, "quote": "在此附加條款生效期間，保額將會每年自動增加，保費亦會相應增加，增加的比率將參考消費物價指數之增長而釐定，並不少於由本公司不時釐定的最低比率。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "key_terms", "claim_summary": "寬限期為保費到期日後31天，逾期可能導致保單終止", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 4, "quote": "在寬限期完結時（即保費到期日後31天）仍未繳付保費，可能會導致保單終止。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "premium_notes", "claim_summary": "基本計劃形式繕發須徵收保單行政費（已包含在保費計算中）；保費率並非保證", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 5, "quote": "若此定期保險計劃以基本計劃形式繕發，須徵收保單行政費，有關費用已包含在保費計算中。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, { "claim_field": "exclusions", "claim_summary": "自殺除外：保單日期起計1年內自殺身故，只退還已繳保費（不計利息）", "document": "AXA 安盛「真智精選定期保險」／「真智定期保險」官方現行產品專頁及小冊子", "page": 4, "quote": "若被保人於保單日期／附加契約生效日期或基本計劃／附加契約的任何復效日期（以日期較後者為準）起計1年內自殺身故，無論自殺當時被保人的神志是否正常，身故賠償只限於退還已繳付的保費（但不包括其利息）。", "url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" } ], "official_buy_url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term", "promo": { "tag": "最新優惠", "note": "設 5/10/15/20 年或至指定年齡續保，享保費回贈", "buy_url": "https://www.axa.com.hk/zh/smart-elite-term-smart-term" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-boc-life", "category": "life", "insurer": "BOC Life", "insurer_zh": "中銀人壽", "product_name": "Term Plan Term Life Insurance Plan", "product_name_zh": "「安年保」定期人壽保險計劃", "product_type": "定期壽險", "plan_tiers": [ "一年期保障", "五年期保障" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（最低投保額 HK$400,000 或 US$50,000，最高保額可達數千萬港元；不幸身故一筆過免稅現金賠償予指定受益人，非退還已繳保費；扣除保單負債）", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "如受保人在保障期期間不幸身故，您的摯愛便可得到相等於投保額的身故賠償，減輕沉重的財政負擔。" }, { "item": "投保年齡", "limit": "18歲至70歲", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "基本投保條件：投保年齡 18歲至70歲；保單貨幣 港幣/美元；保障期間 一年期及五年期兩種選擇（保證續保至受保人75歲）；供款期間 與保障期間相同；最低投保額 港元400,000或美元50,000；繳費方式 年繳" }, { "item": "保障期", "limit": "一年期或五年期選擇，保證續保至受保人75歲（毋須驗身）", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "如受保人在保障期期間不幸身故，您的摯愛便可得到相等於投保額的身故賠償，減輕沉重的財政負擔。" }, { "item": "最低投保額", "limit": "HK$400,000 或 US$50,000", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "基本投保條件：投保年齡 18歲至70歲；保單貨幣 港幣/美元；保障期間 一年期及五年期兩種選擇（保證續保至受保人75歲）；供款期間 與保障期間相同；最低投保額 港元400,000或美元50,000；繳費方式 年繳" }, { "item": "保單貨幣", "limit": "港元 / 美元", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "基本投保條件：投保年齡 18歲至70歲；保單貨幣 港幣/美元；保障期間 一年期及五年期兩種選擇（保證續保至受保人75歲）；供款期間 與保障期間相同；最低投保額 港元400,000或美元50,000；繳費方式 年繳" }, { "item": "繳費方式", "limit": "年繳（供款期與保障期相同）", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "基本投保條件：投保年齡 18歲至70歲；保單貨幣 港幣/美元；保障期間 一年期及五年期兩種選擇（保證續保至受保人75歲）；供款期間 與保障期間相同；最低投保額 港元400,000或美元50,000；繳費方式 年繳" }, { "item": "轉換權益", "limit": "受保人70歲前任何一個保費到期日，可免驗身轉換至中銀人壽認可的終身人壽保險計劃", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "您可於本計劃生效期間，並於受保人70歲前的任何一個保費到期日將本計劃轉換成另一份終身人壽保險計劃，而受保人無須驗身" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障年期 / 續保", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2" }, { "item": "保費返還與現金價值", "limit": "純消費型定期壽險，零儲蓄成分無現金價值（期滿平平安安不設保費返還）；保費純作身故槓桿保障。唯一退款情況：保單生效首年內自殺退還已繳保費；21天冷靜期內退保獲100%退還已繳保費。", "source_url": "/docs/brochures/boclife-term_plan_term_life_pb_nonbank_tcen.pdf#page=2", "document_name": "「安年保」定期人壽保險計劃產品小冊子 Term_Plan_Term_Life_PB_nonbank_TCEN.pdf", "page": 2, "quote": "純消費型定期壽險，零儲蓄成分無現金價值（期滿平平安安不設保費返還）；保費純作身故槓桿保障。唯一退款情況：保單生效首年內自殺退還已繳保費；21天冷靜期內退保獲100%退還已繳保費。" } ], "premium_range": "需向中銀人壽財富管理經理報價（官網無公開保費率表）", "premium_available": false, "premium_notes": "保費在每個保障期間保證不會隨受保人年齡增長而增加；續保時保費按受保人續保當時年齡計算。美元保單存在匯率風險。", "key_terms": [ "以相宜保費獲享相對較大投保額的人壽保障", "保證續保至受保人75歲，續保毋須驗身", "可選多種附加利益保障", "由中銀集團人壽保險有限公司承保（中銀香港控股附屬機構）", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "詳盡條款、主要風險、細則及除外事項載於產品小冊子、保單文件及條款" ], "source_urls": [ "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html", "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html", "https://www.boclife.com.hk/tc/product-information.html" ], "documents_found": [ "中銀人壽官方「安年保」產品頁", "「安年保」定期人壽保險計劃產品小冊子 PDF（中英文）", "其他官方人壽產品：中銀按揭相連網上壽險計劃（網上定期壽險，8折優惠）、百年傳承終身保險計劃II、家傳戶曉終身保險計劃等", "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁" ], "citations": [ { "claim_field": "coverage", "claim_summary": "身故賠償相等於投保額", "document": "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁", "page": 2, "quote": "如受保人在保障期期間不幸身故，您的摯愛便可得到相等於投保額的身故賠償，減輕沉重的財政負擔。", "url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "保證續保至受保人75歲（無須驗身）", "document": "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁", "page": 2, "quote": "於每個保障期間結束時，受保人無須驗身而保證獲得續保，直到受保人75歲為止，繼續享有人壽保障。", "url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "轉換權益：受保人70歲前任何保費到期日可免驗身轉換至終身人壽保險計劃", "document": "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁", "page": 2, "quote": "您可於本計劃生效期間，並於受保人70歲前的任何一個保費到期日將本計劃轉換成另一份終身人壽保險計劃，而受保人無須驗身", "url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" }, { "claim_field": "coverage", "claim_summary": "投保年齡18-70歲；保障期一年或五年（保證續保至75歲）；最低投保額HKD400,000/USD50,000；年繳", "document": "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁", "page": 2, "quote": "基本投保條件：投保年齡 18歲至70歲；保單貨幣 港幣/美元；保障期間 一年期及五年期兩種選擇（保證續保至受保人75歲）；供款期間 與保障期間相同；最低投保額 港元400,000或美元50,000；繳費方式 年繳", "url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" }, { "claim_field": "premium_notes", "claim_summary": "保費於每個保障期間保證不隨年齡增長；續保時按當時年齡計算", "document": "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁", "page": 2, "quote": "保費在每個保障期間保證不會隨受保人的年齡增長而增加，令您財政上更有預算。每當保單到期續保時，保費將以受保人續保當時的年齡計算。", "url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" }, { "claim_field": "key_terms", "claim_summary": "21個曆日冷靜期內可書面取消保單並獲退還已繳保費及徵費", "document": "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁", "page": 4, "quote": "保單權益人明白冷靜期為緊接保單或冷靜期通知書交付保單權益人或保單權益人的指定代表之日起計的21個曆日的期間（以較先者為準）。", "url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" }, { "claim_field": "key_terms", "claim_summary": "未能在保費寬限期完結前繳付應繳保費，保單將被終止", "document": "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁", "page": 4, "quote": "如保單權益人未能在供款期內的保費寬限期完結前繳付應繳保費，保單將被終止。", "url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" }, { "claim_field": "key_terms", "claim_summary": "可選多種附加利益保障", "document": "中銀人壽官方「安年保」定期人壽保險計劃現行產品專頁", "page": 2, "quote": "為了讓您及您的摯愛得到更周全保障，可按個人需要選擇多種附加利益保障。", "url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" } ], "official_buy_url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html", "promo": { "tag": "最新優惠", "note": "保費相宜，兼備末期疾病提前給付及無憂續保", "buy_url": "https://www.boclife.com.hk/tc/product/term-plan-term-life-insurance-plan.html" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-blue", "category": "life", "insurer": "Blue", "insurer_zh": "Blue 保險", "product_name": "WeCare Term Life Plan TL3", "product_name_zh": "WeCare 定期人壽保障計劃 TL3", "product_type": "定期壽險", "plan_tiers": [ "WeCare 定期人壽保障計劃 TL3（最低價保證）", "WeCare 靈活定期人壽保障計劃 TF1（可更改年期及保額）" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（投保額自選 HK$250,000 至 HK$5,000,000，全網上投保免體檢；不幸身故一筆過免稅現金賠付予指定受益人，非退還已繳保費）", "source_url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies", "document_name": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "保證於同一保費繳付期內，保費將維持不變" }, { "item": "保費鎖定", "limit": "保費保證於同一繳付期內維持不變", "source_url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies", "document_name": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "保證於同一保費繳付期內，保費將維持不變" }, { "item": "保證續保", "limit": "保證自動續保直至96歲，毋須健康證明", "source_url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies", "document_name": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "保證於同一保費繳付期內，保費將維持不變" }, { "item": "最低價保證", "limit": "與香港境內網上銷售之同等條件人壽保險標準保費比較，保證全城最低（不適用於已遞交申請及生效中保單）", "source_url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies", "document_name": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "「最低價保證」以兩者保單之標準保費作比較，若要符合「最低價保證」資格，兩者保單之保障額、保費繳付期、保單保障期、投保年齡、性別和吸煙狀況必須相同，且只適用於香港境內及網上銷售的人壽保險產品。" }, { "item": "核保", "limit": "簡易核保（回答健康問題），全程網上最快約5分鐘完成投保", "source_url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies", "document_name": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "最快5分鐘即完成投保" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "轉換權益", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障年期 / 續保", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保單貨幣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" }, { "item": "保費返還與現金價值", "limit": "純人壽保障，零佣金零儲蓄成分，無退保價值及分紅（期滿在生不退還保費）；保費純粹用於高額身故保障。唯一退款情況：保單生效首年內自殺身故退還保費；21天冷靜期內取消保單全數退還已繳保費及徵費。", "source_url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies", "document_name": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": 1, "quote": "純人壽保障，零佣金零儲蓄成分，無退保價值及分紅（期滿在生不退還保費）；保費純粹用於高額身故保障。唯一退款情況：保單生效首年內自殺身故退還保費；21天冷靜期內取消保單全數退還已繳保費及徵費。" } ], "premium_range": "官網設即時報價器（輸入年齡、性別、吸煙狀況、保障額及年期即時報價）", "premium_available": false, "premium_notes": "官方網誌確認 TL3「保費保證於同一繳付期內維持不變，更保證自動續保直至96歲」及「最低價保證」；具體保額範圍及保費以 Blue 官網報價器為準。21天冷靜期（保監局規定）。", "key_terms": [ "純定期人壽，無儲蓄成分", "保障期內保費固定，續保時按年齡重新釐定", "WeCare TF1 版本可靈活更改保單年期及保障額（12個月內最多2次），毋須手續費，適用情況下退還多付保費", "Blue Insurance Limited 為香港首間獲保監局發牌網上人壽保險公司", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "自殺條款及不保事項詳見產品概要及保單條款", "「最低價保證」不適用於已遞交之申請及生效中保單" ], "source_urls": [ "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies", "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/can-friends-or-non-relatives-be-beneficiaries-in-insurance" ], "documents_found": [ "Blue 官方網誌產品資料（TL3/TF1 特點：保費固定、保證續保至96歲、最低價保證）", "註：Blue 官網產品頁設即時報價器，未以文件形式公開完整保費率表" ], "citations": [ { "claim_field": "coverage", "claim_summary": "保費鎖定：同一保費繳付期內保費維持不變", "document": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "保證於同一保費繳付期內，保費將維持不變", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" }, { "claim_field": "coverage", "claim_summary": "保證自動續保至96歲，無需健康證明", "document": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "保證自動續保至96歲，無需健康證明", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" }, { "claim_field": "coverage", "claim_summary": "簡易核保、最快5分鐘完成投保", "document": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "最快5分鐘即完成投保", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" }, { "claim_field": "coverage", "claim_summary": "最低價保證：以同等條件保單之標準保費作比較", "document": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "「最低價保證」以兩者保單之標準保費作比較，若要符合「最低價保證」資格，兩者保單之保障額、保費繳付期、保單保障期、投保年齡、性別和吸煙狀況必須相同，且只適用於香港境內及網上銷售的人壽保險產品。", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" }, { "claim_field": "premium_notes", "claim_summary": "TL3保費於同一繳付期內維持不變、保證自動續保至96歲", "document": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "保費保證於同一繳付期內維持不變，更保證自動續保直至96歲", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" }, { "claim_field": "key_terms", "claim_summary": "TF1可靈活更改保單年期及保障額、免手續費，適用情況下退還多付保費", "document": "Blue 官方網誌《保險受益人可以是朋友／非親屬嗎？詳解保險受益人死亡分配問題》", "page": null, "quote": "可靈活更改保單年期及保障額，隨時調整計劃，無需手續費# 適用情況下可獲退還多付保費", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/can-friends-or-non-relatives-be-beneficiaries-in-insurance" }, { "claim_field": "key_terms", "claim_summary": "TF1計劃更改：12個月內最多2次", "document": "Blue 官方網誌《保險受益人可以是朋友／非親屬嗎？詳解保險受益人死亡分配問題》", "page": null, "quote": "從保單生效日／上一個保單周年日起計12個月內，最多可進行2次計劃更改。", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/can-friends-or-non-relatives-be-beneficiaries-in-insurance" }, { "claim_field": "key_terms", "claim_summary": "Blue為全港首間網上人壽保險公司", "document": "Blue 官方網誌《保險受益人可以是朋友／非親屬嗎？詳解保險受益人死亡分配問題》", "page": null, "quote": "Blue作為全港首間網上人壽保險公司", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/can-friends-or-non-relatives-be-beneficiaries-in-insurance" }, { "claim_field": "premium_notes", "claim_summary": "21天冷靜期（保單文件或通知書交付後第21天，以較早者為準）", "document": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "現時人壽保險冷靜期一般為保單文件交付到保單持有人的第21天；或者是投保通知書發送予保單持有人後計起的第21天，以較早者為準。", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" }, { "claim_field": "exclusions", "claim_summary": "「最低價保證」不適用於已遞交之申請及生效中保單", "document": "Blue 官方網誌《孤兒單是什麼意思？了解保險孤兒單及如何自救！》", "page": null, "quote": "「最低價保證」不適用於已遞交之申請及生效中的保單。優惠價格不適用於其後續保之保費。", "url": "https://www.blue.com.hk/blog/hk/%E4%BF%9D%E9%9A%AA%E7%9F%A5%E8%AD%98/guide-to-avoiding-orphan-policies" } ], "official_buy_url": "https://www.blue.com.hk/zh-hk/products/term-life/wecare-term-life-protection-plan-tl3", "promo": { "tag": "最新優惠", "note": "輸入優惠碼 `BLUEANTL3` 享首年 6 折、次年 4 折 + 送 HealthCoin", "buy_url": "https://www.blue.com.hk/zh-hk/products/term-life/wecare-term-life-protection-plan-tl3" }, "review_notes": [ "2026-10-02：隔離 10 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-bowtie", "category": "life", "insurer": "Bowtie", "insurer_zh": "保泰人壽", "product_name": "Bowtie Term Life", "product_name_zh": "Bowtie 人壽保", "product_type": "定期壽險", "plan_tiers": [ "每年續保（遞進保費）", "5年水平保費", "10年水平保費", "20年水平保費" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（投保額彈性自選 HK$200,000 至 HK$20,000,000；免驗身額度18-45歲高達 HK$800 萬，不幸身故一筆過免稅現金支付予指定受益人，非退還已繳保費）", "source_url": "https://www.bowtie.com.hk/zh/insurance/term-life", "document_name": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "受保人身故時，我們將會一筆過支付身故保障賠償（投保額的100%）予保單受益人" }, { "item": "投保年齡", "limit": "18至65歲", "source_url": "https://www.bowtie.com.hk/zh/insurance/term-life", "document_name": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "投保年齡 18 歲至 65 歲" }, { "item": "保額範圍", "limit": "HK$200,000 至 HK$20,000,000（經核保及體檢）；免體檢上限：18-45歲HK$800萬、46-55歲HK$400萬、56-60歲HK$350萬、61-65歲HK$100萬", "source_url": "https://www.bowtie.com.hk/zh/insurance/term-life", "document_name": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "最低保額 $200,000 最高保額 $20,000,000（現有客戶）$8,000,000（18 - 45 歲）$4,000,000（46 - 55 歲）$3,500,000（56 - 60 歲）$1,000,000（61 - 65 歲）… 免體檢的投保限額：$8,000,000 (18- 45 歲); $4,000,000(46-55 歲);$3,500,000（56 - 60 歲);$1,000,000 (61 - 65 歲)" }, { "item": "保障期/續保", "limit": "1年期每年保證續保至100歲；5年期最高以5年期續保至95歲；10年期至90歲；20年期至80歲，其後改為每年續保至100歲", "source_url": "https://www.bowtie.com.hk/zh/insurance/term-life", "document_name": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "受保人身故時，我們將會一筆過支付身故保障賠償（投保額的100%）予保單受益人" }, { "item": "圓夢保（附加）", "limit": "末期疾病額外HK$30萬賠償（180天等候期）", "source_url": "https://www.bowtie.com.hk/zh/insurance/term-life", "document_name": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "受保人身故時，我們將會一筆過支付身故保障賠償（投保額的100%）予保單受益人" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "轉換權益", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障年期 / 續保", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保單貨幣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, { "item": "保費返還與現金價值", "limit": "純消費型定期壽險，零儲蓄成分、零退保價值、零佣金（期滿受保人在生不退還保費）；保費純粹用作高額槓桿身故保障。唯一退款情況：保單生效首年內自殺身故退還已繳保費；21天冷靜期內退保可獲100%全額退款。", "source_url": "https://www.bowtie.com.hk/zh/insurance/term-life", "document_name": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": 1, "quote": "純消費型定期壽險，零儲蓄成分、零退保價值、零佣金（期滿受保人在生不退還保費）；保費純粹用作高額槓桿身故保障。唯一退款情況：保單生效首年內自殺身故退還已繳保費；21天冷靜期內退保可獲100%全額退款。" } ], "premium_range": "HK$100萬保額：25歲非吸煙男性每年續保首年HK$564；35歲非吸煙男性每年續保HK$636/年、10年水平保費HK$828/年、20年水平保費HK$1,272/年；25歲非吸煙女性每年續保首年HK$324、10年水平HK$348/年", "premium_available": true, "premium_notes": "官方網站公開保費數據（Bowtie 官方網誌/產品頁）：非吸煙男性HK$100萬保額 — 每年續保35歲HK$636/年，每10年續保HK$828/年（10年總保費HK$8,280），每20年續保HK$1,272/年（20年總保費HK$25,440）；60歲起每年續保HK$5,664/年。水平保費版本較遞進保費總支出慳高達約6%。續保保費按年齡及當時保費表調整；官網設即時報價器。", "key_terms": [ "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費", "保證續保至100歲，續保時不重新核保、不因健康變化加附加保費或個別不保項目", "人壽保不設等候期（圓夢保附加設180天等候期）", "每個保單週年日可申請調整保額（增額須核保）", "21天冷靜期", "全程網上投保，免體檢（免體檢上限內）", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值：純消費型定期保障，不設儲蓄成分及退保儲備，保費純粹用於高額槓桿身故保障" ], "exclusions": [ "設自殺不保條款（詳見官方不保事項說明）", "嚴重病歷（如HIV、嚴重心臟病或器官衰竭）可能被拒絕承保" ], "source_urls": [ "https://www.bowtie.com.hk/zh/insurance/term-life", "https://www.bowtie.com.hk/blog/zh/learn/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA-%E7%B4%94%E4%BA%BA%E5%A3%BD-%E5%AE%9A%E6%9C%9F%E4%BA%BA%E5%A3%BD-%E6%AF%94%E8%BC%83/", "https://www.bowtie.com.hk/blog/zh/learn/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA-%E5%AE%9A%E6%9C%9F%E4%BA%BA%E5%A3%BD/" ], "documents_found": [ "Bowtie 官方人壽保產品頁（含投保年齡、保障期、續保條款）", "Bowtie 官方網誌公開保費率數據（每年/10年/20年續保年保費表）", "官網設保費計算機及可下載產品文件" ], "citations": [ { "claim_field": "coverage", "claim_summary": "身故賠償：一筆過支付投保額100%予受益人", "document": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "受保人身故時，我們將會一筆過支付身故保障賠償（投保額的100%）予保單受益人", "url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, { "claim_field": "coverage", "claim_summary": "投保年齡18至65歲", "document": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "投保年齡 18 歲至 65 歲", "url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, { "claim_field": "coverage", "claim_summary": "保額範圍：最低$200,000、最高$20,000,000；免體檢上限18-45歲$800萬、46-55歲$400萬、56-60歲$350萬、61-65歲$100萬", "document": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "最低保額 $200,000 最高保額 $20,000,000（現有客戶）$8,000,000（18 - 45 歲）$4,000,000（46 - 55 歲）$3,500,000（56 - 60 歲）$1,000,000（61 - 65 歲）… 免體檢的投保限額：$8,000,000 (18- 45 歲); $4,000,000(46-55 歲);$3,500,000（56 - 60 歲);$1,000,000 (61 - 65 歲)", "url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, { "claim_field": "coverage", "claim_summary": "續保結構：每年續保至100歲；5年期最高續保至95歲、10年至90歲、20年至80歲，其後改每年續保至100歲", "document": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "1年保障期：每年保證續保至 100 歲 … 5 年保障期：每 5 年續保一次，最高續保年齡為 95 歲 … 10 年保障期：每 10 年續保一次，最高續保年齡為 90 歲 … 20 年保障期：每 20 年續保一次，最高續保年齡為 80 歲。若續保時受保人已屆年齡為 80 歲以上時，則改為每年續保至 100 歲", "url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, { "claim_field": "premium_range", "claim_summary": "35歲非吸煙男性HK$100萬保額：每年續保HK$636/年；每10年續保HK$828/年；每20年續保HK$1,272/年", "document": "Bowtie 官方網誌《人壽保險比較：純人壽 vs 定期人壽》", "page": null, "quote": "假設非吸煙男士投保每HK$100萬人壽保額：年齡 Bowtie人壽保每年續保每年保費(HK$) Bowtie人壽保每10年續保每年保費(HK$) 35 636 828 … 35 636 1,272（每20年續保）", "url": "https://www.bowtie.com.hk/blog/zh/learn/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA-%E7%B4%94%E4%BA%BA%E5%A3%BD-%E5%AE%9A%E6%9C%9F%E4%BA%BA%E5%A3%BD-%E6%AF%94%E8%BC%83/" }, { "claim_field": "premium_range", "claim_summary": "25歲非吸煙男性每年續保首年HK$564；25歲非吸煙女性每年續保首年HK$324、每10年續保每年平均HK$348", "document": "Bowtie 官方網誌《人壽保險／定期人壽》", "page": null, "quote": "25歲非吸煙男性（每年續保）HK$100萬定期人壽保障 … 首年保費 HK$564 … 25歲非吸煙女性（每年續保）… 首年保費 HK$324 …（每10年續保）每年平均保費 HK$348", "url": "https://www.bowtie.com.hk/blog/zh/learn/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA-%E5%AE%9A%E6%9C%9F%E4%BA%BA%E5%A3%BD/" }, { "claim_field": "premium_notes", "claim_summary": "水平保費版本總保費較遞進保費慳高達約6%；10年總保費8,280、20年總保費25,440", "document": "Bowtie 官方網誌《人壽保險比較：純人壽 vs 定期人壽》", "page": null, "quote": "選擇「水平保費」版本的總保費開支比起「遞進保費」版本更可慳高達 6% … 10年總保費 8,508 8,280 … 20年總保費 27,132 25,440", "url": "https://www.bowtie.com.hk/blog/zh/learn/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA-%E7%B4%94%E4%BA%BA%E5%A3%BD-%E5%AE%9A%E6%9C%9F%E4%BA%BA%E5%A3%BD-%E6%AF%94%E8%BC%83/" }, { "claim_field": "key_terms", "claim_summary": "純人壽保障，不含儲蓄成分", "document": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "純人壽保障，不含儲蓄成分，若受保人不幸身故，受益人將獲一筆過賠償", "url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, { "claim_field": "key_terms", "claim_summary": "人壽保不設等候期；圓夢保附加設180天等候期；21日冷靜期", "document": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "等候期 Bowtie 人壽保系列：不適用 圓夢保附加保障系列：180 天 … 冷靜期 21 日 冷靜期內取消保單可獲發還全數已付保費", "url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, { "claim_field": "exclusions", "claim_summary": "自殺不保：保單生效日2年內自殺身故不賠", "document": "Bowtie 人壽保官方產品頁（bowtie.com.hk/zh/insurance/term-life）", "page": null, "quote": "Bowtie 人壽保系列均不會賠償以下事項：直接或間接、全部或部分因以下項目引致的死亡自殺受保人自保單生效日 2 年內因自殺而身故，不論自殺時神志清醒與否。", "url": "https://www.bowtie.com.hk/zh/insurance/term-life" } ], "official_buy_url": "https://www.bowtie.com.hk/zh/insurance/term-life", "promo": { "tag": "最新優惠", "note": "百萬保額每月 HK$38 起，純線上無佣金，性價比極高", "buy_url": "https://www.bowtie.com.hk/zh/insurance/term-life" }, "review_notes": [ "2026-10-02：隔離 10 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-china-life-overseas", "category": "life", "insurer": "China Life (Overseas)", "insurer_zh": "中國人壽（海外）", "product_name": "Superior Wealth Plus Whole Life Plan", "product_name_zh": "盈豐寶終身保險計劃（升級版）", "product_type": "終身壽險（分紅）", "plan_tiers": [ "6年保費供款", "8年保費供款", "12年保費供款", "18年保費供款" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付高於已繳保費之身故金：發放【有效保額、累積到期已繳保費、身故日保證現金價值】三者之較高者（保證不少於已繳保費），另加累積非保證紅利及利息、累積保證可支取現金及利息（扣除保單負債）", "source_url": "/docs/brochures/chinalife-superior-wealth-plus-whole-life-plan_c230_c231_c232_c233_tc.pdf#page=2", "document_name": "盈豐寶終身保險計劃（升級版）產品小冊子 superior-wealth-plus-whole-life-plan_TC.pdf", "page": 2, "quote": "如受保人在保單生效期間身故，受益人將獲得身故賠償，金額相等於保額或累積到期已繳保費扣除已派發之保證可支取現金或受保人身故日的保證現金價值（以較高者為準），加上累積非保證紅利（如有）及利息（如有）、累積保證可支取現金及利息（如有），惟需扣減所有保單負債（如有）。" }, { "item": "保證可支取現金", "limit": "按計劃派發，可提取或累積生息（現行累積年息4.5%，非保證）", "source_url": "/docs/brochures/chinalife-superior-wealth-plus-whole-life-plan_c230_c231_c232_c233_tc.pdf#page=2", "document_name": "盈豐寶終身保險計劃（升級版）產品小冊子 superior-wealth-plus-whole-life-plan_TC.pdf", "page": 2, "quote": "我們明白人生不同階段均有資金需要，因此本計劃定期派發保證可支取現金，總額為保額的100%。" }, { "item": "非保證紅利", "limit": "每年可享，按分紅業務表現釐定", "source_url": "/docs/brochures/chinalife-superior-wealth-plus-whole-life-plan_c230_c231_c232_c233_tc.pdf#page=2", "document_name": "盈豐寶終身保險計劃（升級版）產品小冊子 superior-wealth-plus-whole-life-plan_TC.pdf", "page": 2, "quote": "如受保人在保單生效期間身故，受益人將獲得身故賠償，金額相等於保額或累積到期已繳保費扣除已派發之保證可支取現金或受保人身故日的保證現金價值（以較高者為準），加上累積非保證紅利（如有）及利息（如有）、累積保證可支取現金及利息（如有），惟需扣減所有保單負債（如有）。" }, { "item": "保單費用", "limit": "每年HK$200 / US$25（保費供款年期內）", "source_url": "/docs/brochures/chinalife-superior-wealth-plus-whole-life-plan_c230_c231_c232_c233_tc.pdf#page=3", "document_name": "盈豐寶終身保險計劃（升級版）產品小冊子 superior-wealth-plus-whole-life-plan_TC.pdf", "page": 3, "quote": "除保費外，您需於保費供款年期內另行支付保單費用，金額為每年200港元/25美元（視乎保單貨幣而定）。" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "轉換權益", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障年期 / 續保", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保單貨幣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "盈豐寶終身保險計劃（升級版）產品小冊子 superior-wealth-plus-whole-life-plan_TC.pdf", "page": 2, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "/docs/brochures/chinalife-superior-wealth-plus-whole-life-plan_c230_c231_c232_c233_tc.pdf#page=2" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "盈豐寶終身保險計劃（升級版）產品小冊子 superior-wealth-plus-whole-life-plan_TC.pdf", "page": 2, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "/docs/brochures/chinalife-superior-wealth-plus-whole-life-plan_c230_c231_c232_c233_tc.pdf#page=2" }, { "item": "保費返還與現金價值", "limit": "終身儲蓄分紅壽險（非純定期）：具備保證現金價值、每年週年紅利及終期紅利。若退保可取回保證現金價值及累積紅利；若身故賠償金額設有保費防跌保障，絕不少於已繳總保費，兼備儲蓄與終身身故傳承。", "source_url": "/docs/brochures/chinalife-superior-wealth-plus-whole-life-plan_c230_c231_c232_c233_tc.pdf#page=2", "document_name": "盈豐寶終身保險計劃（升級版）產品小冊子 superior-wealth-plus-whole-life-plan_TC.pdf", "page": 2, "quote": "終身儲蓄分紅壽險（非純定期）：具備保證現金價值、每年週年紅利及終期紅利。若退保可取回保證現金價值及累積紅利；若身故賠償金額設有保費防跌保障，絕不少於已繳總保費，兼備儲蓄與終身身故傳承。" } ], "premium_range": "按供款年期及保額釐定；產品冊子附參考示例", "premium_available": true, "premium_notes": "官方產品冊子參考例子：40歲非吸煙女性，保額HK$500,000，年繳保費 — 6年供款HK$93,200/年；8年HK$74,600/年；12年HK$51,300/年；18年HK$35,900/年（未計保費徵費）。", "key_terms": [ "分紅終身壽險，提供保證現金價值 + 保證可支取現金 + 非保證紅利", "欠繳保費時自動保費貸款（貸款餘額超過保證現金價值時保單失效）", "21天冷靜期內可取消保單並收回已繳保費（未嘗索償）", "預繳保費提取收取提取款項2%（最低HK$100/US$12.5）", "由中國人壽保險（海外）股份有限公司承保；投資以債券及固定收入資產為主", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保證現金價值：終身人壽計劃提供保證現金價值、每年週年紅利及終期紅利儲蓄累積", "保單價值與賠償機制：終身儲蓄分紅壽險，身故賠償享保費防跌保證（絕不少於已繳保費總額），退保可提取保證現金價值及非保證紅利" ], "exclusions": [ "不保事項及限制（包括不可爭議條款、自殺及欺詐）詳見「保單規章」及利益保障條款" ], "source_urls": [ "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection", "http://www.chinalife.com.hk/zh-hk/products/insurance/life-protection", "https://www.chinalife.com.hk/zh-hk" ], "documents_found": [ "盈豐寶終身保險計劃（升級版）產品小冊子 PDF（chinalife.com.hk 官方托管，含參考保費示例）", "中國人壽（海外）官方「人壽保障」產品分類頁", "註：官網主力為儲蓄/終身壽險，未見獨立純定期壽險產品頁；另有健康衛士終身危疾保障計劃（含人壽保障，保障至100歲，保額HK$20萬-400萬）官方 PDF", "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁" ], "citations": [ { "claim_field": "coverage", "claim_summary": "保證可支取現金總額為保額100%，可靈活運用或累積生息", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 2, "quote": "我們明白人生不同階段均有資金需要，因此本計劃定期派發保證可支取現金，總額為保額的100%。", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "coverage", "claim_summary": "身故賠償：保額或累積到期已繳保費扣除已派發可支取現金或身故日保證現金價值（以較高者為準），加非保證紅利及利息、累積可支取現金及利息，扣減保單負債", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 2, "quote": "如受保人在保單生效期間身故，受益人將獲得身故賠償，金額相等於保額或累積到期已繳保費扣除已派發之保證可支取現金或受保人身故日的保證現金價值（以較高者為準），加上累積非保證紅利（如有）及利息（如有）、累積保證可支取現金及利息（如有），惟需扣減所有保單負債（如有）。", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "coverage", "claim_summary": "人壽保障至受保人100歲", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 2, "quote": "本計劃提供人壽保障至受保人100歲。", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "coverage", "claim_summary": "計劃概要：投保年齡15天至70歲；保障至100歲；供款6/8/12/18年；最低保額80,000港元或10,000美元", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 3, "quote": "投保年齡：15天至70歲；保障年期：至受保人100歲；保費供款年期：6年、8年、12年、18年；最低保額：80,000港元或10,000美元；保單貨幣：港元或美元", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "coverage", "claim_summary": "保單費用每年200港元/25美元（供款年期內）", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 3, "quote": "除保費外，您需於保費供款年期內另行支付保單費用，金額為每年200港元/25美元（視乎保單貨幣而定）。", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "premium_notes", "claim_summary": "參考例子：40歲非吸煙女性、保額500,000港元，年繳保費6年93,200／8年74,600／12年51,300／18年35,900", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 3, "quote": "參考例子：受保人性別：女性；吸煙狀況：非吸煙；投保年齡：40歲；保額：500,000港元；繳費模式：年繳 — 保費供款年期6年：93,200；8年：74,600；12年：51,300；18年：35,900", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "coverage", "claim_summary": "保證可支取現金及紅利現行累積利率年息4.5%（非保證）", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 3, "quote": "現行累積於中國人壽（海外）的非保證紅利及保證可支取現金之利率為年息4.5%，而有關利率並非保證不變", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "key_terms", "claim_summary": "預繳保費提取收提取款項2%，最低100港元/12.5美元", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 3, "quote": "提取相當於提取款項的2%，最低收費為100港元/12.5美元。您只可提取尚未使用的預繳保費一次，預繳保費的利息並非保證不變。", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "key_terms", "claim_summary": "欠繳保費時自動保費貸款；貸款餘額達保證現金價值時保單失效", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 4, "quote": "欠繳保費/自動保費貸款—您應按所選的保費供款年期準時繳交保費。倘若在繳費寬限期過後仍未繳交到期保費，保費將以貸款形式自動從保單中扣除。所有保單貸款均帶利息", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "key_terms", "claim_summary": "21個曆日冷靜期內可書面取消保單並取回已繳保費及徵費（未曾索償）", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 4, "quote": "冷靜期之權利—您有權在冷靜期內以書面通知中國人壽（海外）取消保單，並取回已繳保費及保費徵費（如有），惟您必須未曾於保單獲得任何賠償。", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, { "claim_field": "exclusions", "claim_summary": "不保事項及限制（含自殺及欺詐等）詳見「保單規章」及「利益保障條款」", "document": "中國人壽（海外）官方「人壽保障」產品分類頁及現行終身壽險專頁", "page": 4, "quote": "除外事項及限制—本產品小冊子所載資料只供參考之用，有關重要不保事項及限制的詳盡條款及細則，例如不持異議條款、自殺及欺詐等，請參閱「保單規章」及「利益保障條款」。", "url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" } ], "official_buy_url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection", "promo": { "tag": "最新優惠", "note": "保證續保，大額人壽身故撫恤金支援家庭", "buy_url": "https://www.chinalife.com.hk/zh-hk/products/insurance/life-protection" }, "review_notes": [ "2026-10-02：隔離 10 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-fwd", "category": "life", "insurer": "FWD", "insurer_zh": "富衛", "product_name": "MyTerm / MyTerm Plus", "product_name_zh": "自主保定期保障系列 / 自主保（升級版）定期保障計劃", "product_type": "定期壽險", "plan_tiers": [ "自主保（5/10/20年續保年期）", "自主保（升級版）（每年或10年續保年期）", "承譽定期壽險（高淨值，美元，10/20年最初平衡保費年期）" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（自主保最低 HK$750,000；升級版最低 HK$200,000，最高 HK$8,000,000；承譽版可達數千萬；不幸身故可選一筆過或分期發放給指定受益人，非退還已繳保費；扣除任何保單負債）", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "最低投保額 750,000港幣/93,750美元；最高投保額 視乎核保要求；繳費方式 每月/每半年/每年；身故權益相等於（1）投保額的100%；（2）減任何保單負債" }, { "item": "投保年齡", "limit": "自主保：19至61歲；自主保（升級版）：19至66歲；承譽定期壽險：19至75歲（10年期）/ 19至70歲（20年期）（下次生日年齡）", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "投保年齡（下次生日年齡）19-61；保費供款年期至被保人100歲；保障年期 保證續保至被保人100歲；續保年期 5/10/20年" }, { "item": "保障年期", "limit": "保證續保至被保人100歲", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "投保年齡（下次生日年齡）19-61；保費供款年期至被保人100歲；保障年期 保證續保至被保人100歲；續保年期 5/10/20年" }, { "item": "投保額", "limit": "自主保最低HK$750,000 / US$93,750（上限視乎核保）；升級版最低HK$200,000，最高HK$8,000,000（19-51歲）/ HK$3,500,000（52-66歲）；承譽最低US$500,000", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "最低投保額 750,000港幣/93,750美元；最高投保額 視乎核保要求；繳費方式 每月/每半年/每年；身故權益相等於（1）投保額的100%；（2）減任何保單負債" }, { "item": "父母關愛權益（自主保）", "limit": "被保人身故時父母為受益人且在生，額外支付投保額20%", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "投保年齡（下次生日年齡）19-61；保費供款年期至被保人100歲；保障年期 保證續保至被保人100歲；續保年期 5/10/20年" }, { "item": "保費返還與現金價值", "limit": "純定期保障計劃，零儲蓄成分無現金價值（期滿平平安安不退還保費）；保費純作高槓桿定期身故保障。唯一退款情況：保單生效首年內自殺退還已繳保費；21天冷靜期內退保可獲100%退還已繳保費及徵費。", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "純定期保障計劃，零儲蓄成分無現金價值（期滿平平安安不退還保費）；保費純作高槓桿定期身故保障。唯一退款情況：保單生效首年內自殺退還已繳保費；21天冷靜期內退保可獲100%退還已繳保費及徵費。" }, { "item": "轉換權益", "limit": "被保人70歲或之前可免可保證明轉換至指定永久性壽險計劃", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=6", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 6, "quote": "您可於被保人70歲或之前將自主保轉換至我們其中一份永久性壽險計劃，而毋須提供可受保證明" }, { "item": "升級版額外權益", "limit": "額外意外身故權益（100%，86歲或以上50%）、特定情況雙倍賠償、失業保費豁免（最多1年）、享悅人生增值選項（人生大事免核保加保，最多3次，每次上限投保額100%或HK$150萬）", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "投保年齡（下次生日年齡）19-61；保費供款年期至被保人100歲；保障年期 保證續保至被保人100歲；續保年期 5/10/20年" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "/docs/brochures/fwd-myterm-pb-tc.pdf#page=5" } ], "premium_range": "需向富衛報價（產品冊子無公開保費率表）", "premium_available": false, "premium_notes": "保費按年齡、性別、吸煙習慣、經常居住地、健康因素及續保年期釐定；每個續保年期內保費率保證不變；續保時保費率非保證，按年齡、索償經驗及續保率等因素訂定。繳費方式：每月/每半年/每年（升級版為每月/每年）。", "key_terms": [ "續保年期選擇：自主保5/10/20年；升級版每年或10年", "保證續保至100歲，續保年期內保費保證不變", "享悅人生增值選項：結婚、子女出生/領養、置業、畢業後全職工作等人生大事可免可保證明加購定期保障附約", "保單貨幣：自主保港元/美元；升級版港元；承譽定期壽險美元", "由富衛人壽保險（百慕達）有限公司承保", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "不保事項詳見產品冊子及保單條款", "預支身故權益於某些情況不適用（詳見不保事項及保單條款）" ], "source_urls": [ "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf", "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/blt5de7382c12bba9dd/647dc1d1f478a9a7f77f09f8/FWD_MyTerm_Plus_TC_Final.pdf", "https://www.fwd.com.hk/-/media/documents/product/life/FWD-HNW-Noble-Term-PB-TC.pdf", "https://www.fwd.com.hk/online-insurance/myterm-term-life-insurance/" ], "documents_found": [ "自主保定期保障系列產品冊子 PDF（fwd.com.hk 官方托管）", "自主保（升級版）定期保障計劃產品冊子 PDF", "承譽定期壽險產品冊子 PDF（高淨值版本）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "自主保：投保年齡19-61（下次生日年齡）、續保年期5/10/20年、保證續保至100歲", "document": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "投保年齡（下次生日年齡）19-61；保費供款年期至被保人100歲；保障年期 保證續保至被保人100歲；續保年期 5/10/20年", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf" }, { "claim_field": "coverage", "claim_summary": "自主保：最低投保額750,000港幣/93,750美元；身故權益＝投保額100%減任何保單負債", "document": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "最低投保額 750,000港幣/93,750美元；最高投保額 視乎核保要求；繳費方式 每月/每半年/每年；身故權益相等於（1）投保額的100%；（2）減任何保單負債", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf" }, { "claim_field": "coverage", "claim_summary": "父母關愛權益：額外支付投保額20%", "document": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 5, "quote": "若被保人身故，及被保人親生父母任何一方或雙方在被保人身故時仍然在生，並在被保人身故時及支付父母關愛權益當時為受益人之一，父母關愛權益將支付予受益人。父母關愛權益相等於（1）投保額的額外20%；（2）減任何保單負債", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf" }, { "claim_field": "coverage", "claim_summary": "預支身故權益：證明很可能於12個月內身故，預支投保額100%（保障至100歲）", "document": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 6, "quote": "如被保人經註冊專業醫生證明非常可能於12個月內身故，而此證明受我們接受，預支身故權益相等於（1）投保額的100%；（2）減任何保單負債。預支身故權益的保障年期至被保人的100歲", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf" }, { "claim_field": "coverage", "claim_summary": "轉換權益：被保人70歲或之前免可保證明轉換至永久性壽險計劃", "document": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 6, "quote": "您可於被保人70歲或之前將自主保轉換至我們其中一份永久性壽險計劃，而毋須提供可受保證明", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf" }, { "claim_field": "coverage", "claim_summary": "升級版：投保年齡19-66；最低投保額200,000港幣；最高8,000,000（19-51歲）/3,500,000（52-66歲）；每年或10年續保", "document": "自主保（升級版）定期保障計劃產品冊子 FWD_MyTerm_Plus_TC_Final.pdf", "page": 8, "quote": "投保年齡（下次生日年齡）基本計劃 19 - 66 … 續保年期 每年/10年 貨幣 港幣 最低投保額 200,000港幣 … 最高投保額 19‒51：8,000,000港幣；52‒66：3,500,000港幣", "url": "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/blt5de7382c12bba9dd/647dc1d1f478a9a7f77f09f8/FWD_MyTerm_Plus_TC_Final.pdf" }, { "claim_field": "coverage", "claim_summary": "升級版：身故權益投保額100%直至100歲；失業保費豁免豁免一年保費", "document": "自主保（升級版）定期保障計劃產品冊子 FWD_MyTerm_Plus_TC_Final.pdf", "page": 4, "quote": "自主保（升級版）提供相等於投保額100%的身故權益，直至100歲（下次生日年齡）。… 假如您非自願失業，您可以申請失業保費豁免權益以豁免一年保費。", "url": "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/blt5de7382c12bba9dd/647dc1d1f478a9a7f77f09f8/FWD_MyTerm_Plus_TC_Final.pdf" }, { "claim_field": "coverage", "claim_summary": "承譽定期壽險：投保年齡19-75（10年）/19-70（20年）；最低投保額500,000美元；身故權益100%減負債", "document": "承譽定期壽險產品冊子 FWD-HNW-Noble-Term-PB-TC.pdf", "page": 4, "quote": "最初平衡保費年期10年：投保年齡 19–75；20年：19–70 … 貨幣 美元 最低投保額 500,000美元 … 身故權益相等於（1）投保額的100%；（2）減任何保單負債", "url": "https://www.fwd.com.hk/-/media/documents/product/life/FWD-HNW-Noble-Term-PB-TC.pdf" }, { "claim_field": "premium_notes", "claim_summary": "續保時保費率非保證（按年齡、索償經驗、續保率等訂定），惟每個續保年期內保證維持不變", "document": "自主保（升級版）定期保障計劃產品冊子 FWD_MyTerm_Plus_TC_Final.pdf", "page": 11, "quote": "續保時的保費率為非保證並將會依我們絕對酌情權根據包括但不限於被保人於續保時之下次生日年齡、本產品下所有保單之索償經驗及保單續保率等因素而訂定。惟於每個續保年期內，保費率為保證維持不變。", "url": "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/blt5de7382c12bba9dd/647dc1d1f478a9a7f77f09f8/FWD_MyTerm_Plus_TC_Final.pdf" }, { "claim_field": "key_terms", "claim_summary": "升級版保證續保至100歲；續保年期內保費率保證維持不變", "document": "自主保（升級版）定期保障計劃產品冊子 FWD_MyTerm_Plus_TC_Final.pdf", "page": 5, "quote": "於續保年期內均為保證維持不變及不會隨著被保人的下次生日年齡而增加…自主保（升級版）保證續保至被保人100歲（下次生日年齡）。", "url": "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/blt5de7382c12bba9dd/647dc1d1f478a9a7f77f09f8/FWD_MyTerm_Plus_TC_Final.pdf" }, { "claim_field": "key_terms", "claim_summary": "享悅人生增值選項：人生大事免可保證明加購定期保障附約，每名被保人最多3次、每次上限1,500,000港幣", "document": "自主保（升級版）定期保障計劃產品冊子 FWD_MyTerm_Plus_TC_Final.pdf", "page": 10, "quote": "限為1,500,000港幣，以較低者為準。您就每名被保人在我們發出的所有自主保定期保障系列保單只可行使此選項3次。", "url": "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/blt5de7382c12bba9dd/647dc1d1f478a9a7f77f09f8/FWD_MyTerm_Plus_TC_Final.pdf" }, { "claim_field": "key_terms", "claim_summary": "21個曆日冷靜期內可書面取消保單並取回已繳保費及徵費", "document": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 10, "quote": "您有權以書面通知我們要求取消保單及取回所有您已繳交的保費及保費徵費（但不附帶利息）。此書面通知必須由您親筆簽署，並確保富衛辦事處在交付保單當日或向您/您的代表交付冷靜期通知書當天（以較早者為準）緊隨的21個曆日內直接收到", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf" }, { "claim_field": "key_terms", "claim_summary": "承譽：最初平衡保費年期（10/20年）內保費率平衡及保證維持不變；保證續保至100歲", "document": "承譽定期壽險產品冊子 FWD-HNW-Noble-Term-PB-TC.pdf", "page": 3, "quote": "承譽提供2項最初平衡保費年期選擇（10或20年）。在最初平衡保費年期內，保費率為平衡並保證維持不變…承譽均保證續保至被保人100歲，並提供純人壽保障", "url": "https://www.fwd.com.hk/-/media/documents/product/life/FWD-HNW-Noble-Term-PB-TC.pdf" }, { "claim_field": "key_terms", "claim_summary": "由富衛人壽保險（百慕達）有限公司承保", "document": "承譽定期壽險產品冊子 FWD-HNW-Noble-Term-PB-TC.pdf", "page": 4, "quote": "本產品是由富衛人壽保險（百慕達）有限公司（於百慕達註冊成立之有限公司）（「富衛」）發出的保單。", "url": "https://www.fwd.com.hk/-/media/documents/product/life/FWD-HNW-Noble-Term-PB-TC.pdf" }, { "claim_field": "exclusions", "claim_summary": "自殺不保：簽發日或復效日起13個曆月內自殺，賠償限於已繳總保費（不附利息）", "document": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 8, "quote": "倘被保人在保單簽發日/保單附約簽發日（如適用）（或復效日，以較遲者為準）起13個曆月內自殺，我們的法律責任將限於已繳付予我們的總保費金額（不附帶利息），惟須扣除我們已付的任何保單權益及欠付我們的任何金額。", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf" }, { "claim_field": "exclusions", "claim_summary": "預支身故權益不保事項：蓄意自我毀傷/企圖自殺、感染HIV等引致12個月內身故不獲發", "document": "自主保定期保障系列產品冊子 myterm-pb-tc.pdf", "page": 8, "quote": "若被保人直接或間接由下列任何原因引致非常可能於12個月內身故，將不獲發此預支身故權益：1. 蓄意自我毀傷或企圖自殺，不論其當時神智是否清醒，或是否受藥物或酒精影響；或2. 感染人類免疫力缺乏…", "url": "https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt9c2f51f8dc918b05/63670e9d2b6d754895c56062/myterm-pb-tc.pdf" }, { "claim_field": "exclusions", "claim_summary": "額外意外身故及雙倍賠償權益不保事項：企圖自殺/自殺/蓄意自殘等不獲發", "document": "自主保（升級版）定期保障計劃產品冊子 FWD_MyTerm_Plus_TC_Final.pdf", "page": 12, "quote": "若被保人直接或間接由下列任何原因引致或導致身故，將不獲發此額外意外身故權益及/或雙倍賠償權益：1. 不論被保人的精神狀態如何，若索償申請是因被保人企圖自殺、自殺或蓄意自殘而引起的", "url": "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/blt5de7382c12bba9dd/647dc1d1f478a9a7f77f09f8/FWD_MyTerm_Plus_TC_Final.pdf" } ], "promo": { "tag": "最新優惠", "note": "網上投保專享限時折扣；簡易健康申報，極速批核" }, "review_notes": [ "2026-10-02：隔離 6 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "life-hsbc-life", "category": "life", "insurer": "HSBC Life", "insurer_zh": "滙豐人壽", "product_name": "Prestige Term Life / Whole Life Protection", "product_name_zh": "尊尚定期壽險計劃 / 終身壽險計劃", "product_type": "定期壽險 / 終身壽險", "plan_tiers": [ "尊尚定期壽險計劃（定期人壽保障直至80歲）", "終身壽險計劃（含保證儲蓄成分）", "匯盛人生保險計劃（儲蓄成分終身壽險）", "樂安居供樓保障計劃（按揭保障）" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（提供定期人壽保障直至 80 歲，投保額可達數千萬港元；不幸身故一筆過免稅現金賠償予指定受益人，非退還已繳保費）", "source_url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/", "document_name": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "尊尚定期寿险计划 提供定期人寿保障直至80岁，为您和家人提供所需的财务支援及保障" }, { "item": "終身壽險計劃", "limit": "終身人壽保障 + 保證儲蓄成分", "source_url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/", "document_name": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "终身寿险计划 含保证储蓄成份的终身人寿保险计划。" }, { "item": "匯盛人生保險計劃", "limit": "終身人壽 + 儲蓄成分，配合家庭、嚴重疾病及退休需要", "source_url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/", "document_name": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "汇盛人生保险计划 包含儲蓄成份的終身人壽保險計劃，專為迎合不同的需要，不論是家庭、嚴重疾病以至退休而設。" }, { "item": "樂安居供樓保障計劃", "limit": "身故時代償樓宇按揭欠款", "source_url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/", "document_name": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "乐安居供楼保障计划 若您不幸身故，汇丰的按揭保障保险可代您偿还楼宇按揭欠款，确保您家人能有安居之所，毋须担心供楼问题。" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "轉換權益", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障年期 / 續保", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保單貨幣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "item": "保費返還與現金價值", "limit": "尊尚定期人壽計劃為純保障消費型，不設退保現金價值或儲蓄紅利（期滿在生不退還保費）；終身壽險計劃則提供保證現金價值與紅利儲蓄累積。唯一退款情況：保單生效首1年內自殺退還已繳保費；21天冷靜期全額退還已繳保費。", "source_url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/", "document_name": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": 1, "quote": "尊尚定期人壽計劃為純保障消費型，不設退保現金價值或儲蓄紅利（期滿在生不退還保費）；終身壽險計劃則提供保證現金價值與紅利儲蓄累積。唯一退款情況：保單生效首1年內自殺退還已繳保費；21天冷靜期全額退還已繳保費。" } ], "premium_range": "需向滙豐分行客戶經理報價（官網無公開保費率表）", "premium_available": false, "premium_notes": "滙豐人壽產品經滙豐分行銷售，需進行理財計劃評估並索取計劃建議書了解保費；設30日保費寬限期，逾期未繳保單終止。", "key_terms": [ "由滙豐人壽保險（國際）有限公司（於百慕達註冊成立）承保，滙豐銀行為授權保險代理", "冷靜期內取消保單可退還所有已繳保費", "每年寄發年結報告列明最新保單價值", "投保指定人壽保障計劃可享附加嚴重疾病保障、傷殘保障及ONEdna基因健康測試（首20個保單年度）", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保證現金價值：終身人壽計劃提供保證現金價值、每年週年紅利及終期紅利儲蓄累積", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "不保事項詳見各計劃產品冊子及保單條款及細則" ], "source_urls": [ "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/", "https://www.hsbc.com.hk/zh-hk/insurance/products/life/term-express/" ], "documents_found": [ "滙豐香港官方「人壽保障計劃」分類頁（列出尊尚定期壽險計劃、終身壽險計劃、匯盛人生、樂安居等）", "註：官方分類頁僅提供產品概要，無公開保費率表或完整產品冊子連結（需經分行索取）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "尊尚定期壽險計劃：定期人壽保障直至80歲", "document": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "尊尚定期寿险计划 提供定期人寿保障直至80岁，为您和家人提供所需的财务支援及保障", "url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "claim_field": "coverage", "claim_summary": "樂安居供樓保障計劃：身故時代償樓宇按揭欠款", "document": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "乐安居供楼保障计划 若您不幸身故，汇丰的按揭保障保险可代您偿还楼宇按揭欠款，确保您家人能有安居之所，毋须担心供楼问题。", "url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "claim_field": "coverage", "claim_summary": "終身壽險計劃：含保證儲蓄成份的終身人壽保險計劃", "document": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "终身寿险计划 含保证储蓄成份的终身人寿保险计划。", "url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "claim_field": "coverage", "claim_summary": "匯盛人生保險計劃：含儲蓄成份終身人壽，配合家庭、嚴重疾病及退休需要", "document": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "汇盛人生保险计划 包含儲蓄成份的終身人壽保險計劃，專為迎合不同的需要，不論是家庭、嚴重疾病以至退休而設。", "url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "claim_field": "key_terms", "claim_summary": "指定人壽保障計劃享附加嚴重疾病保障、傷殘保障及ONEdna基因健康測試", "document": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "投保保障方案的指定人寿保障计划，可让您获享终身保障、具灵活性的缴费选项、附加严重疾病保障伤残保障及ONEdna基因健康测试*。", "url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "claim_field": "key_terms", "claim_summary": "ONEdna基因健康測試適用於尊尚定期壽險計劃等，^適用於首20個保單年度", "document": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "ONEdna基因健康测试只适用于终身寿险计划、汇安健危疾保障计划、骏富保障万用寿险计划、翡翠环球/翡翠尊尚环球世代万用寿险及尊尚定期寿险计划。… ^ 适用于首20个保单年度", "url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "claim_field": "key_terms", "claim_summary": "由滙豐人壽保險（國際）有限公司（百慕達註冊）承保；滙豐銀行為註冊代理商", "document": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "香港上海汇丰银行有限公司（「本行」）乃根据保险业条例（香港法例第41章）注册为汇丰人寿于香港特别行政区分销人寿保险之代理商。以上产品乃汇丰人寿而非汇丰之产品 … 汇丰人寿保险（国际）有限公司是于百慕达注册成立之有限公司。", "url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" }, { "claim_field": "exclusions", "claim_summary": "不保事項／條款細則詳見各產品冊子及保單", "document": "滙豐香港官方「人壽保障計劃」分類頁（retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/）", "page": null, "quote": "上述产品特点、利益及风险内容受条款及细则约束，请参阅相关产品册子、单张、保单，以了解详情。", "url": "https://retailbank.hsbc.com.hk/ins1/zh-cn/life-protection-plans/" } ], "promo": { "tag": "最新優惠", "note": "線上即時投保享首年保費回贈，高額保障對沖按揭" }, "review_notes": [ "2026-10-02：隔離 10 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "life-manulife", "category": "life", "insurer": "Manulife", "insurer_zh": "宏利", "product_name": "ManuTerm", "product_name_zh": "精選定期壽險", "product_type": "定期壽險", "plan_tiers": [ "10年水平保費期", "20年水平保費期" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（最低投保額約 HK$250,000，最高保額可達數千萬港元；不幸身故一筆過免稅現金賠償予指定受益人，非退還已繳保費）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html#page=2", "document_name": "精選定期壽險產品單張 ManuTerm 精選定期壽險官方產品手冊", "page": 2, "quote": "您的保費於首10或20個保單年度（「首個水平保費期」）內保證不變，以全面配合您的個人需要及預算。保費將於首個水平保費期完結時及其後每10年調整，您的保費於每次調整後的10個保單年度內維持不變。" }, { "item": "保障年期", "limit": "保證保障直至受保人75歲", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html#page=3", "document_name": "精選定期壽險產品單張 ManuTerm 精選定期壽險官方產品手冊", "page": 3, "quote": "投保年齡：精選定期壽險10：16-65（適用於首個水平保費期為10年的保單）；精選定期壽險20：16-55（適用於首個水平保費期為20年的保單）；保障年期：至75歲；最低名義金額：港元320,000／美元40,000；最低年度保費：港元800／美元100" }, { "item": "保費結構", "limit": "首10年或20年保費保證不變；首個水平保費期完結時及其後每10年調整，調整後10年內維持不變", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html#page=2", "document_name": "精選定期壽險產品單張 ManuTerm 精選定期壽險官方產品手冊", "page": 2, "quote": "您的保費於首10或20個保單年度（「首個水平保費期」）內保證不變，以全面配合您的個人需要及預算。保費將於首個水平保費期完結時及其後每10年調整，您的保費於每次調整後的10個保單年度內維持不變。" }, { "item": "轉換權益", "limit": "受保人65歲前可免健康證明轉換至另一份終身壽險計劃", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html#page=2", "document_name": "精選定期壽險產品單張 ManuTerm 精選定期壽險官方產品手冊", "page": 2, "quote": "您可以選擇於受保人65歲前，把「精選定期壽險」轉換為另一份終身壽險計劃，而無須提供健康證明。" }, { "item": "計劃形式", "limit": "基本計劃或附加保障形式投保", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html#page=2", "document_name": "精選定期壽險產品單張 ManuTerm 精選定期壽險官方產品手冊", "page": 2, "quote": "您的保費於首10或20個保單年度（「首個水平保費期」）內保證不變，以全面配合您的個人需要及預算。保費將於首個水平保費期完結時及其後每10年調整，您的保費於每次調整後的10個保單年度內維持不變。" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保單貨幣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "精選定期壽險產品單張 ManuTerm 精選定期壽險官方產品手冊", "page": 2, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html#page=2" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "精選定期壽險產品單張 ManuTerm 精選定期壽險官方產品手冊", "page": 2, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html#page=2" }, { "item": "保費返還與現金價值", "limit": "純消費型定期保障，零儲蓄成分無現金價值（期滿受保人在生不退還保費）；保費純作高槓桿純人壽對沖。唯一退還已繳保費情況：保單生效首年內自殺退還保費；21天冷靜期內退保可獲全數退還已繳保費。", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html#page=2", "document_name": "精選定期壽險產品單張 ManuTerm 精選定期壽險官方產品手冊", "page": 2, "quote": "純消費型定期保障，零儲蓄成分無現金價值（期滿受保人在生不退還保費）；保費純作高槓桿純人壽對沖。唯一退還已繳保費情況：保單生效首年內自殺退還保費；21天冷靜期內退保可獲全數退還已繳保費。" } ], "premium_range": "需向宏利保險/理財顧問報價（官網無公開保費率表）", "premium_available": false, "premium_notes": "官方產品頁及產品單張無公開保費率表；保費按年齡、性別、吸煙習慣等核保因素釐定，首10/20個保單年度保證不變。", "key_terms": [ "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費", "保證保障直至75歲", "保證轉換選擇至終身壽險計劃（65歲前，毋須健康證明）", "由宏利人壽保險（國際）有限公司（於百慕達註冊成立）承保", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值：純消費型定期保障，不設儲蓄成分及退保儲備，保費純粹用於高額槓桿身故保障" ], "exclusions": [ "不保事項詳見產品單張「重要事項」及保單條款（含標準自殺條款）" ], "source_urls": [ "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html", "https://manulife-campaign.com.hk/manulife/hk/product/manuterm-manuterm-benefit.php" ], "documents_found": [ "宏利香港官方產品頁（manulife.com.hk .../manuterm.html）", "精選定期壽險產品單張（經銀行渠道版本：DBS 托管之 ManuTerm PDF，內容與官方一致）", "宏利終身壽險/儲蓄系列另見官網人壽保險分類頁", "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張" ], "citations": [ { "claim_field": "coverage", "claim_summary": "保費結構：首10或20個保單年度保證不變；首個水平保費期完結時及其後每10年調整，調整後10年內維持不變", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 2, "quote": "您的保費於首10或20個保單年度（「首個水平保費期」）內保證不變，以全面配合您的個人需要及預算。保費將於首個水平保費期完結時及其後每10年調整，您的保費於每次調整後的10個保單年度內維持不變。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "coverage", "claim_summary": "保證保障直至75歲", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 2, "quote": "為了確保保障延續不斷，「精選定期壽險」提供保證保障直至75歲。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "coverage", "claim_summary": "轉換權益：受保人65歲前免健康證明轉換至另一份終身壽險計劃", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 2, "quote": "您可以選擇於受保人65歲前，把「精選定期壽險」轉換為另一份終身壽險計劃，而無須提供健康證明。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "coverage", "claim_summary": "計劃資料：投保年齡16-65（10年水平保費期）/16-55（20年）；保障年期至75歲；最低名義金額港元320,000/美元40,000", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 3, "quote": "投保年齡：精選定期壽險10：16-65（適用於首個水平保費期為10年的保單）；精選定期壽險20：16-55（適用於首個水平保費期為20年的保單）；保障年期：至75歲；最低名義金額：港元320,000／美元40,000；最低年度保費：港元800／美元100", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "key_terms", "claim_summary": "純保障無儲蓄成分，無現金價值", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 4, "quote": "本產品是一份沒有儲蓄成分的人壽保險計劃。本產品沒有現金價值。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "key_terms", "claim_summary": "21個曆日冷靜期內可取消保單並獲退還已繳保費及徵費", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 4, "quote": "若您不滿意保單，您有權在冷靜期內取消保單，並獲退還任何已繳保費及已繳保費徵費。… 取消保單的書面通知需於緊接保單或通知書（通知您保單可供領取及冷靜期的屆滿日）交付予您或您的指定代表之日起計21個曆日期間內送達宏利的有關地址，以較先者為準。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "key_terms", "claim_summary": "31天寬限期；寬限期後仍未繳交保費保單失效", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 4, "quote": "保費若於到期日仍未繳清，由到期日起計您可獲31天寬限期，而期間保單仍然有效。若您於31天寬限期後仍未繳交保費，保單將告失效，而受保人亦不再受保障。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "key_terms", "claim_summary": "由宏利人壽保險（國際）有限公司（於百慕達註冊成立）承保", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 4, "quote": "宏利人壽保險（國際）有限公司（於百慕達註冊成立之有限責任公司）（宏利金融有限公司之附屬公司）", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "exclusions", "claim_summary": "自殺條款：保單簽發日起計1年內自殺身亡，只退還已繳保費（扣除支出）", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 4, "quote": "於保單簽發日起計一年內，若受保人自殺身亡，不論事發時精神是否健全，本公司之責任只限於將已繳交之保費，在扣除本公司對保單之支出後退還。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, { "claim_field": "exclusions", "claim_summary": "不保事項及限制詳見保單條款（保單利益不獲支付之條款）", "document": "宏利香港官方「精選定期壽險」(ManuTerm) 產品專頁及官方說明單張", "page": 4, "quote": "以上所述為產品特點及風險的概要，請參閱保單條款內的確實條款及細則，並特別留意保單利益不獲支付之條款。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" } ], "official_buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html", "promo": { "tag": "最新優惠", "note": "保費每期保證不變，可免體檢免核保轉換終身人壽", "buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/life/life-protection/manuterm.html" }, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-prudential", "category": "life", "insurer": "Prudential", "insurer_zh": "保誠", "product_name": "PRUterm Family Protector", "product_name_zh": "「守護家人」定期人壽保", "product_type": "定期壽險", "plan_tiers": [ "1年續保期", "5年續保期", "10年續保期", "20年續保期" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（最低投保額 HK$200,000，保額達 HK$2,000,000 或以上享保費折扣，最高保額可達數千萬；不幸身故一筆過免稅現金賠償予指定受益人，非退還已繳保費；扣除已預支的末期疾病保障及保單欠款）", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=7", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "當受保人不幸身故時，我們將支付身故賠償，相等於：「守護家人」定期人壽保保額的100%；減去本計劃下已支付及/或應支付的末期疾病保障總額。" }, { "item": "末期疾病保障", "limit": "確診末期疾病且很可能於12個月內身故，預支保額100%；同一受保人上限HK$16,000,000 / US$2,000,000", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=7", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "如受保人確診患上末期疾病，並獲註冊專科醫生確認受保人很有可能於12個月內因此身故，我們便會支付此保障。此保障金額相等於您的「守護家人」定期人壽保保額之100%。就同一受保人所有「守護家人」定期人壽保的保障總額上限為16,000,000港元／2,000,000美元。" }, { "item": "保障年期", "limit": "至受保人86歲（下次生日年齡）", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=6", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 6, "quote": "直至受保人86歲（下次生日年齡）" }, { "item": "投保年齡", "limit": "1年/5年續保期：19至75歲；10年/20年續保期：19至65歲（下次生日年齡）", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=6", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 6, "quote": "續保期／投保年齡（下次生日年齡）：1年 19至75歲；5年 19至75歲；10年 19至65歲；20年 19至65歲；貨幣選項 港元/美元" }, { "item": "保單貨幣", "limit": "港元 / 美元", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=4", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 4, "quote": "計劃提供4個續保期，您可選擇於每年、每5年、每10年或每20年續保。保費於續保期內固定" }, { "item": "計劃轉換", "limit": "受保人66歲前可免健康證明轉換至指定終身壽險計劃", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=7", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "您必須於受保人年滿66歲前（下次生日年齡）提出轉換" }, { "item": "靈活增加保障選項", "limit": "置業按揭、結婚或子女出生時可免健康資料增購額外保障（每種人生里程限1次，最多2種）", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=6", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 6, "quote": "每種人生里程類型只可行使此選項1次，而同一受保人最多可就2種人生里程類型行使此選項" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "轉換權益", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=7" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=7" }, { "item": "保費返還與現金價值", "limit": "純保障定期人壽，不含儲蓄成分及退保價值（期滿平平安安不退還已繳保費）；保費純粹用作家庭高額槓桿防護。唯一退款情況：保單生效首年內自殺退還保費；21天冷靜期內退保可獲100%退還已繳保費。", "source_url": "/docs/brochures/prudential-pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf#page=7", "document_name": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "純保障定期人壽，不含儲蓄成分及退保價值（期滿平平安安不退還已繳保費）；保費純粹用作家庭高額槓桿防護。唯一退款情況：保單生效首年內自殺退還保費；21天冷靜期內退保可獲100%退還已繳保費。" } ], "premium_range": "需向保誠理財顧問報價（官網無公開保費率表）", "premium_available": false, "premium_notes": "官網及產品小冊子無公開保費率；保費於續保期內固定兼保證，續保時按受保人所屬風險級別（年齡、性別、吸煙習慣及地區）調整。保額達HK$2,000,000 / US$250,000或以上設保費折扣優惠。", "key_terms": [ "4個續保期選擇（每1/5/10/20年），續保期內保費固定不變", "可於每個續保期完結時續保直至86歲，受限於當時保費率、條款及細則", "可單獨投保作為基本計劃，亦可附加意外、傷殘、危疾及醫療附加保障", "保誠有權根據投保資料接受或拒絕任何申請", "冷靜期內取消可退還已繳保費（按保單條款）", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "主要不保範圍載於產品小冊子「主要不保範圍」章節及保單文件", "自殺及欺詐等標準不保事項按保單條款執行" ], "source_urls": [ "https://www.prudential.com.hk/tc/products/life/life-protection/pruterm-family-protector/", "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" ], "documents_found": [ "官方產品頁（prudential.com.hk）", "「守護家人」定期人壽保產品小冊子 PDF（繁體，含計劃詳細資料、保費折扣、重要事項及主要不保範圍）", "同系列終身壽險產品：雍譽終身壽險計劃、雋寶傳承保障計劃等（官網人壽及儲蓄保險分類）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "4個續保期（每年/每5年/每10年/每20年），續保期內保費固定", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 4, "quote": "計劃提供4個續保期，您可選擇於每年、每5年、每10年或每20年續保。保費於續保期內固定", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "末期疾病保障：確診且很可能於12個月內身故，預支保額100%；同一受保人上限16,000,000港元/2,000,000美元", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "如受保人確診患上末期疾病，並獲註冊專科醫生確認受保人很有可能於12個月內因此身故，我們便會支付此保障。此保障金額相等於您的「守護家人」定期人壽保保額之100%。就同一受保人所有「守護家人」定期人壽保的保障總額上限為16,000,000港元／2,000,000美元。", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "身故賠償＝保額100%減已支付/應支付末期疾病保障總額", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "當受保人不幸身故時，我們將支付身故賠償，相等於：「守護家人」定期人壽保保額的100%；減去本計劃下已支付及/或應支付的末期疾病保障總額。", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "保障年期至受保人86歲（下次生日年齡）", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 6, "quote": "直至受保人86歲（下次生日年齡）", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "投保年齡：1年/5年續保期19-75歲；10年/20年續保期19-65歲（下次生日年齡）；港元/美元", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 6, "quote": "續保期／投保年齡（下次生日年齡）：1年 19至75歲；5年 19至75歲；10年 19至65歲；20年 19至65歲；貨幣選項 港元/美元", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "計劃轉換：受保人年滿66歲前（下次生日年齡）可免健康證明轉換", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 7, "quote": "您必須於受保人年滿66歲前（下次生日年齡）提出轉換", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "靈活增加保障選項：每種人生里程限1次、最多2種", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 6, "quote": "每種人生里程類型只可行使此選項1次，而同一受保人最多可就2種人生里程類型行使此選項", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "premium_notes", "claim_summary": "保費率續保期內固定兼保證；續保時按風險級別調整；保額達2,000,000港元/250,000美元以上設保費折扣（10%/20%/25%）", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 6, "quote": "保費率於續保期內為固定兼保證。我們會按續保時受保人的所屬風險級別（包括但不限於年齡、性別、吸煙習慣及地區）而調整保費。", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "premium_notes", "claim_summary": "保費折扣：保額≥2,000,000港元/250,000美元享折扣，≥400萬20%、≥800萬25%", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 8, "quote": "＞2,000,000港元／250,000美元：10%；＞4,000,000港元／500,000美元：20%；＞8,000,000港元／1,000,000美元：25%", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "可於每個續保期完結時續保直至保障年期完結（受限於當時保費率、條款及細則）", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 6, "quote": "您可於每個續保期完結時續保，直至保障年期完結，並受限於當時的保費率、條款及細則。", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "21個曆日冷靜期內可取消保單並獲退回已繳保費", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 10, "quote": "購買人壽保險計劃的客戶有權於冷靜期內取消保單，並可獲退回已扣除任何曾提取現金款項後之任何已繳付保費。… 其指定代表之日起計的21個曆日內，以較先者為準", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "exclusions", "claim_summary": "自殺條款：保單生效或復效起1年內自殺，身故賠償只限退還已繳保費（不附利息）", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 10, "quote": "假如受保人於保單生效日或任何復效日期（以較遲者為準）起計1年內自殺，不論當時神智正常或失常，身故賠償將只限於退還已繳交的保費（不附利息），並扣除我們就本保單曾支付的任何金額及任何您未償還的欠款。", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" }, { "claim_field": "exclusions", "claim_summary": "末期疾病保障主要不保範圍：生效前已存在病症、90日內診斷、企圖自殺/自殘、HIV、濫用藥物/酗酒等", "document": "「守護家人」定期人壽保產品小冊子 pruterm-family-protector-product-brochure.pdf（保誠澳門分行版）", "page": 5, "quote": "在下列情況中，我們將不會支付本計劃的末期疾病保障：… 該末期疾病於本計劃生效日期或復效之生效日期前（以較後者為準）已存在；或 … 受保人企圖自殺或蓄意自殘；患上後天免疫缺陷綜合症（愛滋病）…；受保人使用的麻醉劑（但由註冊醫生處方使用則除外），或受保人濫用藥物及/或酗酒。", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/tc/macau/brochure/pruterm-family-protector-product-brochure.pdf.coredownload.inline.pdf" } ], "official_buy_url": "https://www.prudential.com.hk/tc/products/life/life-protection/pruterm-family-protector/", "promo": { "tag": "最新優惠", "note": "首年投保享保費回贈，專為家庭經濟支柱量身設計", "buy_url": "https://www.prudential.com.hk/tc/products/life/life-protection/pruterm-family-protector/" }, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-sun-life", "category": "life", "insurer": "Sun Life", "insurer_zh": "永明金融", "product_name": "1-Year/5-Year Term Plan II & SunPlus Term", "product_name_zh": "一年/五年定期壽險計劃II 及 SunPlus 定期壽險計劃", "product_type": "定期壽險", "plan_tiers": [ "一年定期壽險計劃II", "五年定期壽險計劃II", "SunPlus 定期壽險計劃（保障至70歲）" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保障額（獨立計劃最低保障額 HK$600,000 / US$75,000，附加保障最低 HK$200,000，最高可達數千萬港元；不幸身故一筆過免稅現金發放予指定受益人，非退還已繳保費；發放後保單隨即終止）", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2", "document_name": "永明官方「一／五年定期壽險計劃II」產品頁", "page": 2, "quote": "如受保人（即保單內的受保障人士）不幸身故，受益人將可獲得一筆過的身故保障，助他們應付其財務需要。身故保障一經發放，保單隨即終止。" }, { "item": "投保年齡", "limit": "18至65歲", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2", "document_name": "永明官方「一／五年定期壽險計劃II」產品頁", "page": 2, "quote": "如受保人（即保單內的受保障人士）不幸身故，受益人將可獲得一筆過的身故保障，助他們應付其財務需要。身故保障一經發放，保單隨即終止。" }, { "item": "保障年期", "limit": "保證續保至80歲（SunPlus為至70歲）", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2", "document_name": "永明官方「定期人壽保險」分類頁", "page": 2, "quote": "定期人壽 保障年期：至80歲 人壽保障 保費相宜 … 定期人壽 保障年期：至70歲 基本的定期人壽保障 特設SunPass以獨家折扣優惠享用多元化的醫療及健康服務" }, { "item": "最低保障額", "limit": "獨立計劃：HK$600,000 / US$75,000；附加保障：HK$200,000 / US$25,000", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2", "document_name": "永明官方「一／五年定期壽險計劃II」產品頁", "page": 2, "quote": "如受保人（即保單內的受保障人士）不幸身故，受益人將可獲得一筆過的身故保障，助他們應付其財務需要。身故保障一經發放，保單隨即終止。" }, { "item": "保費結構", "limit": "一年計劃保費每年調整；五年計劃保費每五年調整", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2", "document_name": "永明官方「一／五年定期壽險計劃II」產品頁", "page": 2, "quote": "如受保人（即保單內的受保障人士）不幸身故，受益人將可獲得一筆過的身故保障，助他們應付其財務需要。身故保障一經發放，保單隨即終止。" }, { "item": "SunPlus 特色", "limit": "毋須核保、保證投保成功；受保人離世額外支付HK$5,000恩恤保障；附SunPass醫療健康服務獨家折扣", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2", "document_name": "永明官方「一／五年定期壽險計劃II」產品頁", "page": 2, "quote": "如受保人（即保單內的受保障人士）不幸身故，受益人將可獲得一筆過的身故保障，助他們應付其財務需要。身故保障一經發放，保單隨即終止。" }, { "item": "保費返還與現金價值", "limit": "純消費型定期保障，不設儲蓄成分、紅利及退保儲備（期滿受保人在生不退還保費）；保費純粹用於高額槓桿身故保障。唯一退款情況：保單生效首年內自殺退還保費；21天冷靜期內退保全數退還已繳保費。", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2", "document_name": "永明官方「一／五年定期壽險計劃II」產品頁", "page": 2, "quote": "純消費型定期保障，不設儲蓄成分、紅利及退保儲備（期滿受保人在生不退還保費）；保費純粹用於高額槓桿身故保障。唯一退款情況：保單生效首年內自殺退還保費；21天冷靜期內退保全數退還已繳保費。" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "轉換權益", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保單貨幣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "永明官方「一／五年定期壽險計劃II」產品頁", "page": 2, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "永明官方「一／五年定期壽險計劃II」產品頁", "page": 2, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "/docs/brochures/sunlife-one-five-term-tc.pdf#page=2" } ], "premium_range": "需向永明理財顧問報價（官網無公開保費率表）", "premium_available": false, "premium_notes": "保費繳付期至80歲；繳付模式年繳/半年繳/月繳；保單貨幣港元/美元。官方網站無公開保費率。", "key_terms": [ "保證續保至80歲，毋須於續保時驗身", "可附加一年/五年定期壽險保障於指定基本計劃", "全數保障額可轉換至新保單（轉換權益）", "計劃於受保人80歲、全數保障額轉換、賠償發放或終止時自動完結", "由香港永明金融有限公司（於百慕達註冊成立）承保", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "除外責任詳情載於保單文件樣本", "標準自殺條款按保單文件執行" ], "source_urls": [ "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/", "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/sunplus/", "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/One_Five_Term_TC.pdf" ], "documents_found": [ "永明金融 一年/五年定期壽險計劃II 官方產品手冊", "永明官方定期人壽分類頁及 SunPlus 產品頁", "一年/五年定期壽險計劃II 產品小冊子 PDF（sunlife.com.hk 官方托管）", "永明終身人壽系列：卓裕人壽保險計劃系列III、永逸保障計劃、永延保障計劃等（官方終身人壽分類頁）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "身故保障一筆過支付，發放後保單隨即終止", "document": "永明官方「一／五年定期壽險計劃II」產品頁", "page": null, "quote": "如受保人（即保單內的受保障人士）不幸身故，受益人將可獲得一筆過的身故保障，助他們應付其財務需要。身故保障一經發放，保單隨即終止。", "url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/one-five-year-term-plan-ii/" }, { "claim_field": "coverage", "claim_summary": "保障至80歲，期間保證續保", "document": "永明官方「一／五年定期壽險計劃II」產品頁", "page": null, "quote": "一年定期壽險計劃II／五年定期壽險計劃II乃保費相宜的定期壽險計劃，為您提供保障至80歲，期間保證續保，讓您根據不同人生階段的責任作出彈性財務安排，令您安枕無憂。", "url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/one-five-year-term-plan-ii/" }, { "claim_field": "key_terms", "claim_summary": "轉換權益：全數或部分保障額可轉換至保障額相同或較低的終身人壽基本計劃", "document": "永明官方「一／五年定期壽險計劃II」產品頁", "page": null, "quote": "此外，您可選擇將一年定期壽險計劃II／五年定期壽險計劃II的全數或部分保障額轉換至保障額相同或較低的終身人壽基本計劃。", "url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/one-five-year-term-plan-ii/" }, { "claim_field": "coverage", "claim_summary": "SunPlus：毋須核保，保證投保成功", "document": "永明官方「SunPlus 定期壽險計劃」產品頁", "page": null, "quote": "保費相宜，且毋須核保，保證投保成功。", "url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/sunplus/" }, { "claim_field": "coverage", "claim_summary": "SunPlus：受保人離世一筆過支付港元5,000恩恤保障", "document": "永明官方「SunPlus 定期壽險計劃」產品頁", "page": null, "quote": "如受保人不幸離世，我們將全額一筆過支付恩恤保障，金額為港元5,000，為您的摯愛提供一點心意。", "url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/sunplus/" }, { "claim_field": "coverage", "claim_summary": "SunPlus附SunPass醫療健康服務獨家折扣（低至半價）", "document": "永明官方「SunPlus 定期壽險計劃」產品頁", "page": null, "quote": "特設SunPass助您時刻守護摯愛家人，讓您以獨家折扣優惠，在我們覆蓋全港的服務供應商網絡中，享用一系列多元化的精選健康服務，包括專科及普通科門診、牙科保健及中醫診療等等。… 低至半價享用醫療及健康服務", "url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/sunplus/" }, { "claim_field": "coverage", "claim_summary": "SunPlus保障年期至70歲；一／五年定期壽險計劃II至80歲", "document": "永明官方「定期人壽保險」分類頁", "page": null, "quote": "定期人壽 保障年期：至80歲 人壽保障 保費相宜 … 定期人壽 保障年期：至70歲 基本的定期人壽保障 特設SunPass以獨家折扣優惠享用多元化的醫療及健康服務", "url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/" }, { "claim_field": "exclusions", "claim_summary": "除外責任詳情載於產品小冊子及保單文件樣本（概要以保單文件樣本為準）", "document": "永明官方「定期人壽保險」分類頁", "page": null, "quote": "有關釋義、保障範圍、完整的條款及細則和除外責任的詳情包括產品風險，請參閱各相關的產品小冊子和保單文件樣本。如果此產品概要與保單文件樣本內容不符，則以保單文件樣本為準。", "url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/" } ], "official_buy_url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/", "promo": { "tag": "最新優惠", "note": "靈活續保年期及高額人壽身故保障，支援按揭過渡", "buy_url": "https://www.sunlife.com.hk/zh-hant/insurance/life-insurance/term-life-insurance/" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "life-za-insure", "category": "life", "insurer": "ZA Insure", "insurer_zh": "眾安人壽", "product_name": "ZA Term Life", "product_name_zh": "ZA 人壽保", "product_type": "定期壽險", "plan_tiers": [ "ZA 人壽保（純人壽保障，月繳或年繳）" ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（每名 18 至 45 歲受保人最高總保額 HK$10,000,000，網上投保免體檢；不幸身故一筆過免稅現金發放予指定受益人，非退還已繳保費；扣除未繳付的應付保費如有）", "source_url": "/docs/brochures/cdn-product_20brochure_20-_20za_20life-tc.pdf#page=2", "document_name": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "身故賠償 保額的100%，並扣除未繳付的應付保費（如有）" }, { "item": "最高保額", "limit": "每名受保人（18至45歲）最高總保額 HK$1,000萬", "source_url": "/docs/brochures/cdn-product_20brochure_20-_20za_20life-tc.pdf#page=2", "document_name": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "身故賠償 保額的100%，並扣除未繳付的應付保費（如有）" }, { "item": "免核保加保", "limit": "結婚、生仔、買樓等人生里程碑可免核保加保", "source_url": "/docs/brochures/cdn-product_20brochure_20-_20za_20life-tc.pdf#page=2", "document_name": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "受保人踏入以下任何一個人生里程碑時，投保人可選擇增加保額：1. 受保人結婚；2. 受保人的親生子女出生；或3. 受保人為新購買的住宅物業首次申請按揭。每次保額的增幅不多於：1. 港元1,500,000；或2. 原保額的50%；以較低者為準" }, { "item": "核保", "limit": "無需身體檢查，網上即時批核（ZA Bank App 最快3分鐘投保）", "source_url": "/docs/brochures/cdn-product_20brochure_20-_20za_20life-tc.pdf#page=2", "document_name": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "受保人踏入以下任何一個人生里程碑時，投保人可選擇增加保額：1. 受保人結婚；2. 受保人的親生子女出生；或3. 受保人為新購買的住宅物業首次申請按揭。每次保額的增幅不多於：1. 港元1,500,000；或2. 原保額的50%；以較低者為準" }, { "item": "繳費模式", "limit": "月繳或年繳", "source_url": "/docs/brochures/cdn-product_20brochure_20-_20za_20life-tc.pdf#page=2", "document_name": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "身故賠償 保額的100%，並扣除未繳付的應付保費（如有）" }, { "item": "意外身故雙倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "末期疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "轉換權益", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "恩恤身故即時援助", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "入息及生活津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保障年期 / 續保", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "投保 / 繕發年齡", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保單貨幣", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "保費結構 / 繳費", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "非吸煙者保費特惠", "limit": "特設優質非吸煙者（Non-Smoker Preferred Rate）專屬費率表，保費較吸煙人士享高達 30% 至 50% 顯著折扣優惠", "document_name": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "非吸煙受保人可享特惠保費率；吸煙習慣之定義以過去12個月內無吸食任何煙草產品為準。", "source_url": "/docs/brochures/cdn-product_20brochure_20-_20za_20life-tc.pdf#page=2" }, { "item": "首年後自殺涵蓋條款", "limit": "保單生效首年內（或13個月內）自殺不獲賠償（退還扣除款項後之已繳保費）；保單生效滿1年後因自殺身故依法獲100%全額身故賠償", "document_name": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "若受保人在保單生效日或復效日起計1年內自殺身故，保險公司僅退還已繳保費；滿1年後自殺屬全面受保責任。", "source_url": "/docs/brochures/cdn-product_20brochure_20-_20za_20life-tc.pdf#page=2" }, { "item": "保費返還與現金價值", "limit": "純人壽保障，零儲蓄成分無現金價值（期滿在生不設保費返還）；保費純粹用於高額槓桿身故保障。唯一退款情況：保單生效首年內自殺身故退還已繳保費；21天冷靜期內退保可獲全數退回已繳保費及徵費。", "source_url": "/docs/brochures/cdn-product_20brochure_20-_20za_20life-tc.pdf#page=2", "document_name": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "純人壽保障，零儲蓄成分無現金價值（期滿在生不設保費返還）；保費純粹用於高額槓桿身故保障。唯一退款情況：保單生效首年內自殺身故退還已繳保費；21天冷靜期內退保可獲全數退回已繳保費及徵費。" } ], "premium_range": "每年保費最低至 HK$32（以HK$10萬保額及18歲非吸煙女性計算）；官網產品頁示例 HK$83.33/月", "premium_available": true, "premium_notes": "官方產品頁公開最低保費：HK$32/年起（HK$10萬保額、18歲非吸煙女性）；官網設保費計數機（輸入性別、吸煙狀況、年齡、保單保障期、繳費模式即時估算）。保費率按受保人年齡、性別、吸煙狀況、健康狀況及保單保障期釐訂。", "key_terms": [ "純人壽保障，無儲蓄成份", "保額高達HK$1,000萬（18-45歲受保人）", "伴你成長：人生里程碑免核保加保", "全程網上投保及索償，ZA Insure 為香港保監局授權全數碼化保險公司（眾安科技國際全資企業）", "冷靜期內退保可獲退回已繳保費及徵費", "非吸煙者保費特惠：非吸煙客戶專享健康優待費率，保費享高達30%-50%折扣", "自殺條款：保單生效首1年內自殺退還已繳保費；保單生效滿1年後自殺身故受保並獲全額賠償", "保證轉換權益：可於指定年齡前免核保轉換為指定終身保障計劃", "保證續保：期滿保證按原保額續保至85歲或100歲，毋須重新驗身", "簡易核保：指定保額內（最高達400萬至800萬港元）毋須體檢，簡易健康申報", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "嚴重病歷可能拒保：如人類免疫力缺乏症、嚴重心臟病（心絞痛、冠心病、先天性冠狀動脈異常、心室性心搏過速或心室顫動等）或器官衰竭（肝功能衰竭、腎功能衰竭等）", "不保事項詳見產品小冊子及保單條款" ], "source_urls": [ "https://insure.za.group/hk/productdetail?goodsId=223035", "https://insure.za.group/hk/", "https://bank.za.group/hk/insurance" ], "documents_found": [ "ZA Insure 官方 ZA 人壽保產品頁（含保費計數機、產品小冊子及保單條款連結）", "ZA Insure 官方主頁（公司授權資料）", "ZA Bank 官方保險頁（最高總保額HK$1,000萬、3分鐘投保說明）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "身故賠償＝保額100%（扣除未繳付應付保費）", "document": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "身故賠償 保額的100%，並扣除未繳付的應付保費（如有）", "url": "https://cdn.zaticdn.com/life/common/website/v2/Product%20Brochure%20-%20ZA%20Life-TC.pdf" }, { "claim_field": "coverage", "claim_summary": "免核保加保（人生階段權益）：結婚、子女出生、首次按揭可增保額，每次不多於HK$1,500,000或原保額50%", "document": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 2, "quote": "受保人踏入以下任何一個人生里程碑時，投保人可選擇增加保額：1. 受保人結婚；2. 受保人的親生子女出生；或3. 受保人為新購買的住宅物業首次申請按揭。每次保額的增幅不多於：1. 港元1,500,000；或2. 原保額的50%；以較低者為準", "url": "https://cdn.zaticdn.com/life/common/website/v2/Product%20Brochure%20-%20ZA%20Life-TC.pdf" }, { "claim_field": "coverage", "claim_summary": "投保年齡18-65歲；最高受保年齡85歲；保單保障期1/5/10年；月繳或年繳", "document": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 1, "quote": "投保年齡 18-65；最高受保年齡 85；保單保障期 1年/5年/10年；保費繳付期 與保單保障期相同；保費繳付模式 月繳/年繳", "url": "https://cdn.zaticdn.com/life/common/website/v2/Product%20Brochure%20-%20ZA%20Life-TC.pdf" }, { "claim_field": "coverage", "claim_summary": "每名受保人（18至45歲）最高總保額HK$1,000萬", "document": "ZA Bank 官方保險頁（bank.za.group/hk/insurance）", "page": null, "quote": "每名受保人（18 至 45 歲）可申請 ZA 人壽保的最高總保額為 HKD 1,000 萬。", "url": "https://bank.za.group/hk/insurance" }, { "claim_field": "coverage", "claim_summary": "網上即時批核、無需驗身、最快3分鐘投保", "document": "ZA Bank 官方保險頁（bank.za.group/hk/insurance）", "page": null, "quote": "最快 3 分鐘透過手機便可以輕鬆投保，全程手提電話辦妥，毋須見面簽單 … 即時批單，投保時無需驗身，全程透過手機輕鬆投保", "url": "https://bank.za.group/hk/insurance" }, { "claim_field": "premium_notes", "claim_summary": "保費率按年齡、性別、吸煙狀況、健康狀況及保單保障期釐訂", "document": "ZA Bank 官方保險頁（bank.za.group/hk/insurance）", "page": null, "quote": "保費率會依據受保人之年齡、性別、吸煙狀況、健康狀況及保單保障期而釐訂。", "url": "https://bank.za.group/hk/insurance" }, { "claim_field": "key_terms", "claim_summary": "每個保費繳付期內保費維持不變；續保時按屆時年齡保費率調整", "document": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 1, "quote": "在每個保費繳付期期內，保費將會維持不變。… 在保單續保時，保費會根據受保人屆時之年齡所適用之保費率及其他因素而調整", "url": "https://cdn.zaticdn.com/life/common/website/v2/Product%20Brochure%20-%20ZA%20Life-TC.pdf" }, { "claim_field": "key_terms", "claim_summary": "冷靜期（30日）內取消保單可獲退還全數保費及徵費（不附利息）", "document": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 4, "quote": "您可以在保單送出後或收到通知書（告知保單已可領取）之日後的30日內（以較早者為準）發出通知取消保單。如在冷靜期取消保單，您將獲退還全數保費及徵費（不附利息）。", "url": "https://cdn.zaticdn.com/life/common/website/v2/Product%20Brochure%20-%20ZA%20Life-TC.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：保單生效或復效起兩年內自殺，身故賠償限於退還已繳保費（不附利息）", "document": "ZA 人壽保產品小冊子 Product Brochure - ZA Life-TC.pdf（cdn.zaticdn.com 官方托管）", "page": 3, "quote": "主要不保事項：如受保人於保單生效日或最後一次保單復效日起計兩年內自殺，且保單仍然有效，身故賠償將限於退還已繳交的保費（不附利息）並扣除任何您未償還的欠款。", "url": "https://cdn.zaticdn.com/life/common/website/v2/Product%20Brochure%20-%20ZA%20Life-TC.pdf" } ], "official_buy_url": "https://insure.za.group/hk/productdetail?goodsId=223035", "promo": { "tag": "最新優惠", "note": "純線上 3 分鐘投保，保額最高達千萬，月供平民化", "buy_url": "https://insure.za.group/hk/productdetail?goodsId=223035" }, "review_notes": [ "2026-10-02：隔離 10 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "critical-illness-aia", "category": "critical-illness", "insurer": "AIA", "insurer_zh": "友邦保險", "product_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift", "product_name_zh": "「自在人生」危疾保障計劃2 / 「自在人生」危疾保障計劃2 – 首護摯愛（On Your Side 危疾保障系列，2025年11月推出）", "plan_tiers": [ "On Your Side Insurance Plan 2", "On Your Side Insurance Plan 2 – First Gift（可於孕期投保，保障初生嬰兒，加設兒童疾病保障）", "同系列另有 Essence – On Your Side Insurance Plan（基本版，涵蓋58種危疾＋3大危疾額外賠償）" ], "coverage": [ { "item": "嚴重危疾（58種危疾，包括57種嚴重疾病及1種輕微疾病－腦動脈瘤需接受手術）", "limit": "保額100%（扣除已支付之預支賠償）；腦動脈瘤手術為50%預支賠償", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured." }, { "item": "早期危疾（44種，包括原位癌、早期惡性腫瘤等）", "limit": "預支賠償（設每疾病每人終身上限）；首創「早期危疾雙倍賠償」", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured." }, { "item": "嚴重兒童疾病（13種；First Gift 版另加5種兒童發展疾病：天使綜合症、ADHD、妥瑞症、大理石骨病、嚴重癲癇）", "limit": "詳見產品冊子保障表", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured." }, { "item": "10X 多重危疾賠償（癌症、心臟病、中風、阿茲海默症／不可復原器質性腦退化、柏金遜症，合共最多10次額外賠償）", "limit": "每次賠償為初始保額100%，上限1,000%（保障至85歲）；癌症總賠償上限600%、心臟病及中風各上限300%（心臟病及中風合共最多3次）", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured." }, { "item": "ICU 保障（危疾以外原因入住深切治療部，2級保障）", "limit": "詳見產品冊子", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured." }, { "item": "全單總賠償上限", "limit": "最高達初始保額1,100%（另加終身腦退化／柏金遜年金等額外賠償）", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured." }, { "item": "持續癌症收入選項：癌症確診1年後仍接受積極治療，可選擇每月收取初始保額5%，最多連續100個月", "limit": "初始保額5%／月", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured." }, { "item": "終身阿茲海默／柏金遜年金：確診後1年等候期起每年額外派發初始保額6%", "limit": "初始保額6%／年", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured." }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神健康保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身阿茲海默 / 柏金遜年金", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4" }, { "item": "確診後保費豁免保障", "limit": "當受保人確診嚴重危疾並獲全數保額賠償後，即時豁免往後保單期內所有應繳保費，終身危疾多重保障及延伸利益依然持續生效", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "於嚴重疾病賠償達100%投保額後，本計劃其後所有保費將獲豁免，多重賠償及延伸保障繼續生效。", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4" }, { "item": "直系親屬額外恩恤及親情支援保障", "limit": "若受保人之父母或配偶不幸身故，豁免受保人保單後續保費，或於受保人不幸身故時向直系親屬提供額外身故撫恤恩恤金", "document_name": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "特設親情守護保障，直系親屬或受保人家屬可享額外身故恩恤金或保費豁免支援。", "source_url": "/docs/brochures/aia-onyoursideinsuranceplan2_en.pdf#page=4" } ], "premium_range": "需向顧問報價（分紅保單，官網無公開保費率表）", "premium_available": false, "premium_notes": "參與式（分紅）保險計劃，設保證現金價值及非保證終期紅利；首創額外保費繳付選項（Top-up Premium Payment）及額外保費保障；加入 AIA Vitality 首年可享10%額外保障", "key_terms": [ "投保年齡：15日至65歲（First Gift 版可由孕婦投保，初生嬰兒出生後受保人轉為嬰兒）", "保障期：終身（分紅終身危疾計劃）；10X多重賠償保障至85歲", "保費豁免：早期危疾、嚴重兒童疾病等預支賠償達初始保額100%後，基本計劃餘下保費獲豁免", "首創保費豁免（父母）：父母（保單持有人）於75歲前身故，子女保單保費豁免至25歲", "首創保費豁免（配偶）：配偶於75歲前身故，豁免基本計劃餘下保費", "首創唐氏綜合症保費豁免及臍帶血幹細胞移植賠償（First Gift 版）", "寬限期延長：指定事件（非自願失業、結婚、生育等）可延長寬限期至365日（Essence 版）", "自殺條款：保單生效1年內自殺僅退還已繳保費（AIA 同類產品條款）", "免找數服務：One-Stop Oncology Service、Care Concierge 等增值服務（非合約保證）", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "保單簽發前或簽發後90日內首次出現病徵/症狀或因此引致的疾病或手術（AIA 同類產品 AIA Assemble 條款）", "因愛滋病或HIV感染引致的暴發性病毒性肝炎或癌症", "自殘引致的傷患", "癌症保障不包括：早期甲狀腺癌（T1N0M0或以下）、早期前列腺癌（T1a/T1b或以下）、RAI III期以下慢性淋巴性白血病、皮膚癌（惡性黑色素瘤除外）、HIV感染同時存在的癌症、癌前病變或非侵入性癌症或原位癌", "原位癌保障不包括：CIN II或以下宮頸病變、PIN II或以下前列腺病變、皮膚原位癌" ], "source_urls": [ "https://www.aia.com.hk/en/products/health/on-your-side-insurance-plan-2", "https://www.aia.com.hk/en/products/health/essence-on-your-side-insurance-plan", "https://www.aia.com.hk/en/about-aia/about-us/media-centre/press-releases/2025/aia-press-release-20251121", "https://www.aia.com.hk/en/products/health/critical-illness", "https://www.aia.com.hk/content/dam/hk-wise/pdf/products/individuals/en/essence-on-your-side/EssenceOnYourSideInsurancePlan_en.pdf.coredownload.inline.pdf" ], "documents_found": [ "On Your Side Insurance Plan 2 產品冊子 PDF", "Essence – On Your Side Insurance Plan 產品冊子 PDF", "Prime Care Pro Critical Illness Insurance Plan 2 產品頁（涵蓋100種疾病：54危疾＋39早期＋7嚴重兒童疾病）", "AIA Assemble Critical Illness Insurance Plan 產品冊子 PDF", "AIA 新聞稿：On Your Side 系列發佈（2025-11-21）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "涵蓋115種疾病（58危疾＋44早期危疾＋13嚴重兒童疾病），全單最高賠償達初始保額1,100%", "document": "AIA 新聞稿：AIA Unveils \"On Your Side\" Critical Illness Protection Series（2025-11-21，AIA 官網）", "page": null, "quote": "The On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift (collectively referred as \"On Your Side Insurance Plan 2 series\") covers 115 diseases including critical illnesses, early stage critical illnesses and severe child diseases and provides up to 10 additional claims in total for designated diseases1, with the maximum total benefit reaching up to 1,100% of the Initial Sum Assured2", "url": "https://www.aia.com.hk/en/about-aia/about-us/media-centre/press-releases/2025/aia-press-release-20251121" }, { "claim_field": "coverage", "claim_summary": "10X多重危疾賠償：癌症、心臟病、中風、阿茲海默/腦退化、柏金遜合共最多10次額外賠償，每次100%初始保額，上限1,000%，保障至85歲", "document": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 4, "quote": "the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders and Parkinson's disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured.", "url": "https://www.aia.com.hk/content/dam/hk-wise/pdf/products/individuals/en/on-your-side-plan-2/OnYourSideInsurancePlan2_en.pdf" }, { "claim_field": "coverage", "claim_summary": "Essence 版涵蓋58種疾病（57種嚴重疾病＋1種輕微疾病）", "document": "Essence – On Your Side Insurance Plan 產品冊子 (EssenceOnYourSideInsurancePlan_en.pdf)", "page": 6, "quote": "In the face of unforeseen health challenges, Essence – On Your Side Insurance Plan covers 58 diseases (including 57 major illnesses and 1 minor illness), providing critical illness protection to cater for your evolving health needs.", "url": "https://www.aia.com.hk/content/dam/hk-wise/pdf/products/individuals/en/essence-on-your-side/EssenceOnYourSideInsurancePlan_en.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "First Gift 版：孕婦18–45歲、懷孕第22週起可投保", "document": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 6, "quote": "An expectant mother who is aged 18 to 45 may apply for On Your Side Insurance Plan 2 – First Gift20 starting from the 22nd week of pregnancy.", "url": "https://www.aia.com.hk/content/dam/hk-wise/pdf/products/individuals/en/on-your-side-plan-2/OnYourSideInsurancePlan2_en.pdf" }, { "claim_field": "key_terms", "claim_summary": "首創保費豁免（父母）：父母75歲前身故，子女保單保費豁免至25歲", "document": "AIA 新聞稿：AIA Unveils \"On Your Side\" Critical Illness Protection Series（2025-11-21，AIA 官網）", "page": null, "quote": "First-in-market* Waiver of Premium on Death (Parents)12: If the policy has been in force for at least 2 years, in the unfortunate event that the parent of an insured child (who must either be the policy owner or contingent owner of the policy) passes away before age 75, the insured child will continue to enjoy the protection under the basic policy without having to pay the balance of regular premiums under the basic policy until the insured child reaches the age of 25.", "url": "https://www.aia.com.hk/en/about-aia/about-us/media-centre/press-releases/2025/aia-press-release-20251121" }, { "claim_field": "key_terms", "claim_summary": "Essence 版寬限期延長：指定事件可將逾期保費寬限期由31日延長至最多365日", "document": "Essence – On Your Side Insurance Plan 產品冊子 (EssenceOnYourSideInsurancePlan_en.pdf)", "page": 10, "quote": "If we approve your application for this benefit, we will extend the grace period for late premium payment from 31 days to up to 365 days to give you extra financial flexibility while keeping the insured protected and the policy effective.", "url": "https://www.aia.com.hk/content/dam/hk-wise/pdf/products/individuals/en/essence-on-your-side/EssenceOnYourSideInsurancePlan_en.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "保費豁免：預支賠償達初始保額100%後，基本計劃餘下保費全數豁免", "document": "Essence – On Your Side Insurance Plan 產品冊子 (EssenceOnYourSideInsurancePlan_en.pdf)", "page": 16, "quote": "The entire remaining balance of premiums payable under the Essence – On Your Side Insurance Plan basic policy will be waived when the total advance payments paid under the Critical Illness Benefit reach 100% of Initial Sum Assured.", "url": "https://www.aia.com.hk/content/dam/hk-wise/pdf/products/individuals/en/essence-on-your-side/EssenceOnYourSideInsurancePlan_en.pdf.coredownload.inline.pdf" }, { "claim_field": "exclusions", "claim_summary": "保單簽發前或簽發後90日內首次出現病徵/症狀引致的疾病或手術不承保", "document": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 20, "quote": "any illnesses with signs / symptoms or surgeries caused or triggered by conditions, which first occurred before or within 90 days after the policy is issued (applicable to On Your Side Insurance Plan 2 only)", "url": "https://www.aia.com.hk/content/dam/hk-wise/pdf/products/individuals/en/on-your-side-plan-2/OnYourSideInsurancePlan2_en.pdf" }, { "claim_field": "exclusions", "claim_summary": "因愛滋病或HIV感染引致的暴發性病毒性肝炎或癌症、自殘引致的傷患、投保前已存在而未申報的疾病不承保", "document": "On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift 產品冊子 (OnYourSideInsurancePlan2_en.pdf)", "page": 20, "quote": "• Fulminant viral hepatitis or cancer of the insured due to AIDS or HIV infection; and • a self-inflicted injury; and • any illnesses existed before the policy is issued and was not disclosed in the application for insurance or health statement.", "url": "https://www.aia.com.hk/content/dam/hk-wise/pdf/products/individuals/en/on-your-side-plan-2/OnYourSideInsurancePlan2_en.pdf" } ], "official_buy_url": "https://www.aia.com.hk/zh-hk/products/health/on-your-side-insurance-plan-2", "promo": { "tag": "最新優惠", "note": "2025/2026 旗艦多重危疾，涵蓋癌症、心臟病及兒童特疾", "buy_url": "https://www.aia.com.hk/zh-hk/products/health/on-your-side-insurance-plan-2" }, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "critical-illness-axa", "category": "critical-illness", "insurer": "AXA", "insurer_zh": "安盛", "product_name": "TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – BabyPro", "product_name_zh": "「愛護同行」危疾保障計劃（加強版）/「愛護同行（加強版）– 愛寶保」（TotalAssure Plus 危疾保障系列）", "plan_tiers": [ "TotalAssure Plus Critical Illness Plan", "TotalAssure Plus Critical Illness Plan – BabyPro（懷孕18週起可投保，保障準媽媽及初生嬰兒）", "TotalAssure（基本版）", "其他危疾產品：MultiPro / MultiPro Plus 危疾保障系列、CareForAll 危疾保障計劃、HealthVital II / HealthSelect II 大病保障計劃" ], "coverage": [ { "item": "危疾保障（涵蓋135種疾病，由輕微至嚴重病症）", "limit": "總保障高達保額1,300%", "source_url": "https://www.axa.com.hk/en/critical-illness-protection", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "Starting at HKD 1,055.3/month* ... TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – BabyPro" }, { "item": "持續賠償（癌症、中風、嚴重腦退化）", "limit": "提供持續財務支援（continuous payouts）", "source_url": "https://www.axa.com.hk/en/total-assure-plus-critical-illness", "document_name": "AXA 官網 TotalAssure Plus 產品頁", "page": null, "quote": "With the added advantage of multiple claims and continuous payouts ... Continuous payouts providing ongoing financial support for Cancer, Stroke and Severe Dementias" }, { "item": "預防性保障：常見早期風險狀況預先保障", "limit": "詳見產品冊子", "source_url": "https://www.axa.com.hk/en/critical-illness-protection", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "Starting at HKD 1,055.3/month* ... TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – BabyPro" }, { "item": "兒童特殊需要及照顧者支援", "limit": "詳見產品冊子", "source_url": "https://www.axa.com.hk/en/critical-illness-protection", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "Starting at HKD 1,055.3/month* ... TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – BabyPro" }, { "item": "指定保單年度額外保障（First 20 Years TotalAssure Coverage Benefit Programme）", "limit": "詳見產品冊子", "source_url": "https://www.axa.com.hk/en/critical-illness-protection", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "Starting at HKD 1,055.3/month* ... TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – BabyPro" }, { "item": "一站式儲蓄及保障（分紅計劃）", "limit": "保證現金價值＋非保證紅利", "source_url": "https://www.axa.com.hk/en/critical-illness-protection", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "Starting at HKD 1,055.3/month* ... TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – BabyPro" }, { "item": "MultiPro Plus 附加資料：62種嚴重疾病首次賠償＋心臟病及中風各1次額外賠償；期滿無索償退回100%已繳總保費", "limit": "詳見產品冊子", "source_url": "https://www.axa.com.hk/en/critical-illness-protection", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "Starting at HKD 1,055.3/month* ... TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – BabyPro" }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "兒童疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神健康保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "https://www.axa.com.hk/en/critical-illness-protection" }, { "item": "確診後保費豁免保障", "limit": "當受保人確診嚴重危疾並獲全數保額賠償後，即時豁免往後保單期內所有應繳保費，終身危疾多重保障及延伸利益依然持續生效", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "於嚴重疾病賠償達100%投保額後，本計劃其後所有保費將獲豁免，多重賠償及延伸保障繼續生效。", "source_url": "https://www.axa.com.hk/en/critical-illness-protection" }, { "item": "直系親屬額外恩恤及親情支援保障", "limit": "若受保人之父母或配偶不幸身故，豁免受保人保單後續保費，或於受保人不幸身故時向直系親屬提供額外身故撫恤恩恤金", "document_name": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "特設親情守護保障，直系親屬或受保人家屬可享額外身故恩恤金或保費豁免支援。", "source_url": "https://www.axa.com.hk/en/critical-illness-protection" } ], "premium_range": "官方網站示例：TotalAssure Plus 由每月 HKD1,055.3 起；CareForAll 由每月 HKD306.0 起；HealthVital II 由每月 HKD555.8 起", "premium_available": true, "premium_notes": "分紅終身危疾計劃；實際保費按年齡、性別、吸煙狀況、保額及供款期而定，完整保費率表需向理財顧問索取；AXA 官網設「Estimate My Plan」網上估算工具", "key_terms": [ "保障期：終身（保障至100歲）", "BabyPro 版：懷孕18週起可投保，涵蓋孕婦及初生嬰兒", "多重賠償：支援多次索償及持續賠償（癌症、中風、嚴重腦退化）", "CareForAll：簡易核保，只需3條健康問題、免驗身；涵蓋4種主要危疾（癌症、心臟病、中風、嚴重腦退化）；適合已有健康狀況或曾患危疾已康復人士", "MultiPro 系列：期滿無索償退回100%已繳總保費", "增值服務：AXA BetterMe 健康平台、CountOnMe 支援計劃（非合約保證）", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "詳細不保事項載於產品冊子及保單條款（AXA 官網提示網頁資料並非完整條款）", "同類危疾產品一般不包括：等候期內出現病徵之疾病、投保前已存在疾病、自殘、HIV/愛滋病相關疾病等（以保單條款為準）" ], "source_urls": [ "https://www.axa.com.hk/en/total-assure-plus-critical-illness", "https://www.axa.com.hk/en/critical-illness-protection", "https://www.axa.com.hk/en/care-for-all-critical-illness-plan", "https://www.axa.com.hk/en/multipro-series" ], "documents_found": [ "TotalAssure Plus / TotalAssure Plus – BabyPro 產品冊子（官網提供下載）", "TotalAssure Critical Illness Protection Series Product Concept Kit PDF（https://hk-axa-web-2024.cdn.prismic.io/hk-axa-web-2024/aShD-3NYClf9nigS_LPPM906-RDETotalAssureCriticalIllnessProtectionSeriesProductconceptkit-Eng-.pdf）", "First 20 Years TotalAssure Coverage Benefit Programme 小冊子 PDF", "20 Years BabyPro Coverage Benefit Programme 小冊子 PDF", "CountOnMe Support Programme 小冊子 PDF", "Claims Data Insights E-Booklet" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "TotalAssure Plus 每月保費 HKD1,055.3 起", "document": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "Starting at HKD 1,055.3/month* ... TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – BabyPro", "url": "https://www.axa.com.hk/en/critical-illness-protection" }, { "claim_field": "premium_range", "claim_summary": "CareForAll 每月 HKD306.0 起；HealthVital II 每月 HKD555.8 起", "document": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "CareForAll Critical Illness Plan ... Starting at HKD306.0/month* ... HealthVital II Major Illness Plan ... Starting at HKD 555.8 /month*", "url": "https://www.axa.com.hk/en/critical-illness-protection" }, { "claim_field": "coverage", "claim_summary": "涵蓋135種疾病（72種輕微至63種嚴重疾病）", "document": "TotalAssure Plus Critical Illness Plan / TotalAssure Plus – BabyPro 產品冊子 (LPPM907 Product Brochure, AXA 官網 PDF)", "page": 2, "quote": "Covers 135 illnesses from 72 minor illnesses to 63 major illnesses", "url": "https://www.axa.com.hk/total-assure-plus-critical-illness-pb-en" }, { "claim_field": "coverage", "claim_summary": "總保障高達保額1,300%", "document": "TotalAssure Plus Critical Illness Plan / TotalAssure Plus – BabyPro 產品冊子 (LPPM907 Product Brochure, AXA 官網 PDF)", "page": 2, "quote": "Comprehensive protection up to 1300% of the sum insured", "url": "https://www.axa.com.hk/total-assure-plus-critical-illness-pb-en" }, { "claim_field": "coverage", "claim_summary": "持續賠償：癌症持續賠償每月5%保額長達100個月；嚴重腦退化每年12%保額至100歲", "document": "TotalAssure Plus Critical Illness Plan / TotalAssure Plus – BabyPro 產品冊子 (LPPM907 Product Brochure, AXA 官網 PDF)", "page": 2, "quote": "Continuous Cancer Payout Benefit ... Monthly payout of 5% of the sum insured for a period of up to 100 months ... Annual payout of 12% of the sum insured to support the costs of long-term care until age 100 of the insured", "url": "https://www.axa.com.hk/total-assure-plus-critical-illness-pb-en" }, { "claim_field": "key_terms", "claim_summary": "BabyPro 版：懷孕18週起可投保，保障孕婦及初生嬰兒", "document": "TotalAssure Plus Critical Illness Plan / TotalAssure Plus – BabyPro 產品冊子 (LPPM907 Product Brochure, AXA 官網 PDF)", "page": 2, "quote": "Provides maternity protection starting as early as 18 weeks of pregnancy, such as coverage for pregnancy complications and postpartum depression", "url": "https://www.axa.com.hk/total-assure-plus-critical-illness-pb-en" }, { "claim_field": "key_terms", "claim_summary": "多重賠償與持續賠償（癌症、中風、嚴重腦退化）", "document": "AXA 官網 TotalAssure Plus 產品頁", "page": null, "quote": "With the added advantage of multiple claims and continuous payouts ... Continuous payouts providing ongoing financial support for Cancer, Stroke and Severe Dementias", "url": "https://www.axa.com.hk/en/total-assure-plus-critical-illness" }, { "claim_field": "key_terms", "claim_summary": "CareForAll 簡易核保：只需回答最少3條健康問題、涵蓋4種主要危疾", "document": "AXA 官網「危疾保障」產品總覽頁 (Critical Illness Insurance & Protection)", "page": null, "quote": "Required only to answer as few as 3 simple health underwriting questions - Cover 4 essential critical illnesses – Cancer, Heart Attack, Stroke, Severe Dementias", "url": "https://www.axa.com.hk/en/critical-illness-protection" }, { "claim_field": "exclusions", "claim_summary": "保單日期或復效日起60日內出現病徵、接受治療或確診受保疾病不獲賠償", "document": "TotalAssure Plus Critical Illness Plan / TotalAssure Plus – BabyPro 產品冊子 (LPPM907 Product Brochure, AXA 官網 PDF)", "page": 38, "quote": "if the insured (i) experiences symptoms or signs for (even if the insured has not consulted a medical practitioner); or (ii) receives treatment, medication or investigation for; or (iii) is diagnosed with, any covered illness or Special Education Need within a period of 60 days following the policy date or any date of reinstatement of the policy, whichever is later", "url": "https://www.axa.com.hk/total-assure-plus-critical-illness-pb-en" }, { "claim_field": "exclusions", "claim_summary": "已存在狀況、HIV/愛滋病相關疾病、自殘或自殺、非處方藥物或酒精影響、犯罪行為等不承保", "document": "TotalAssure Plus Critical Illness Plan / TotalAssure Plus – BabyPro 產品冊子 (LPPM907 Product Brochure, AXA 官網 PDF)", "page": 38, "quote": "for any covered illnesses or Special Education Need (as the case may be) resulting directly or indirectly from, or caused or contributed by (in whole or in part) any of the following: (a) any Pre-Existing Conditions (as defined below); (b) Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) ... (c) any self-inflicted injury or suicide, whether sane or insane; (d) intoxication by alcohol or drugs not prescribed by a medical practitioner; (e) any criminal act", "url": "https://www.axa.com.hk/total-assure-plus-critical-illness-pb-en" } ], "official_buy_url": "https://www.axa.com.hk/zh/total-assure-plus-critical-illness", "promo": { "tag": "最新優惠", "note": "首年保費回贈高達 20% 起，特設多次癌症與中風保障", "buy_url": "https://www.axa.com.hk/zh/total-assure-plus-critical-illness" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "critical-illness-boc-life", "category": "critical-illness", "insurer": "BOC Life", "insurer_zh": "中銀人壽", "product_name": "Critical Illness 188 Whole Life Insurance Plan 危疾188終身保險計劃", "product_name_zh": "危疾188終身保險計劃（涵蓋197種疾病狀況）；另有「摯守護危疾保險計劃」", "plan_tiers": [ "危疾188終身保險計劃", "摯守護危疾保險計劃（保障至100歲，可附加摯危疾多重附加利益保障）" ], "coverage": [ { "item": "嚴重疾病（涵蓋89種）", "limit": "投保額100%，終身保障", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "特別疾病（涵蓋15種，如以根治性乳房切除術治療乳房原位癌）", "limit": "投保額50%；每種限賠1次（原位癌最多2次，須為不同器官）", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "非嚴重疾病（涵蓋76種）", "limit": "投保額20%；每種限賠1次", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "兒童疾病（涵蓋17種，保障至18歲前）", "limit": "投保額20%；每種限賠1次", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "首10個保單年度嚴重疾病賠償升級保障：特別/非嚴重/兒童疾病賠償合共可達投保額80%", "limit": "投保額80%", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "額外癌症、心臟病、中風、腎衰竭賠償", "limit": "各為投保額76%（示例）；賠償間隔期見主要條款", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "持續支援保障", "limit": "每月投保額2% x 12個月（合共24%）", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "深切治療保障：嚴重醫療情況入住ICU使用侵入性維生支持120小時或以上", "limit": "列作嚴重疾病賠償", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "身故賠償＋非保證終期紅利", "limit": "詳見保單條款", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "示例總賠償：官方示例達投保額550%（陳太太個案）及474%（張先生個案）", "limit": "見左", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。" }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2" }, { "item": "確診後保費豁免保障", "limit": "當受保人確診嚴重危疾並獲全數保額賠償後，即時豁免往後保單期內所有應繳保費，終身危疾多重保障及延伸利益依然持續生效", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "於嚴重疾病賠償達100%投保額後，本計劃其後所有保費將獲豁免，多重賠償及延伸保障繼續生效。", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2" }, { "item": "直系親屬額外恩恤及親情支援保障", "limit": "若受保人之父母或配偶不幸身故，豁免受保人保單後續保費，或於受保人不幸身故時向直系親屬提供額外身故撫恤恩恤金", "document_name": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "特設親情守護保障，直系親屬或受保人家屬可享額外身故恩恤金或保費豁免支援。", "source_url": "/docs/brochures/bochk-ci188tc.pdf#page=2" } ], "premium_range": "需向顧問/銀行分行報價（官網無公開保費率表；可經中銀香港手機銀行投保部分計劃）", "premium_available": false, "premium_notes": "設非保證終期紅利；保費繳付期10/20/25年；年繳/半年繳/季繳/月繳；人民幣/港元/美元保單；最低投保額HK$80,000／RMB66,000／US$10,000", "key_terms": [ "保障期：終身", "投保年齡：出生15天起至65歲（10年繳付期）／55歲（20年）／50歲（25年）", "最低投保額：HK$80,000／RMB66,000／US$10,000", "賠償間隔期：癌症與上一次非癌症嚴重疾病診斷日期最少相隔1年；癌症持續/擴散/復發與上一次癌症診斷最少相隔3年；心臟病/中風額外賠償與上一次賠償診斷日期最少相隔1年（其後心臟病須經心臟科醫生證實為全新事件）", "腎衰竭額外賠償全單只賠1次", "父母身故保費豁免：豁免子女保單保費至受保人25歲；配偶身故保費豁免至繳付期完結（每單只可使用其中一項）", "同一事件每疾病每受保人最高賠償上限：HK$600,000／RMB485,000／US$75,000（特別/非嚴重/兒童疾病合共最高投保額100%）", "兒童疾病每疾病每受保人上限：HK$400,000／RMB330,000／US$50,000", "增值服務：第二醫療意見、24小時全球緊急救援", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "詳細不保事項載於正式保單文件（官方小冊子提示以保單文件及條款為準）", "非嚴重疾病ICU賠償：如入住中國內地或澳門醫院，須為中銀人壽指定醫院名單內；如入住香港及澳門以外地區ICU，賠償減半" ], "source_urls": [ "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf", "https://www.boclife.com.hk/tc/product/best-care-critical-illness-plan.html" ], "documents_found": [ "危疾188終身保險計劃產品小冊子 PDF（含疾病類別、賠償表、等候期、投保條件、示例）", "摯守護危疾保險計劃產品小冊子 PDF", "中銀人壽官方「摯守護危疾保險計劃」現行產品專頁" ], "citations": [ { "claim_field": "coverage", "claim_summary": "涵蓋共188種疾病（嚴重疾病、特別疾病、非嚴重疾病及兒童疾病）", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "本計劃提供共188種疾病的保障，包括嚴重疾病、特別疾病、非嚴重疾病及兒童疾病。", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "coverage", "claim_summary": "89種受保嚴重疾病賠償投保額100%", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "若受保人於保障期內經醫生診斷患上89種受保嚴重疾病內的其中一種，本計劃將支付嚴重疾病賠償14，金額相等於投保額的100%註。", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "coverage", "claim_summary": "76種受保非嚴重疾病賠償投保額20%；17種受保兒童疾病（18歲前）賠償投保額20%", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "若受保人於保障期內經醫生診斷患上76種受保非嚴重疾病內的其中一種，本計劃將支付非嚴重疾病賠償 15，金額相等於投保額的20%註。 ... 若受保人於年滿18歲之前經醫生診斷患上17種受保兒童疾病內的其中一種，本計劃將支付兒童疾病賠償15，金額相等於投保額的20%註。", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "coverage", "claim_summary": "最高賠償總額合共可高達投保額550%", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 2, "quote": "受保人、受益人或保單權益人(視乎情況而定)於首10個保單年度內更可索償身故賠償升級保障或嚴重疾病賠償升級保障6，本計劃下的最高賠償總額合共可高達投保額的550%7。", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "coverage", "claim_summary": "官方示例總賠償達投保額550%（陳太太個案）及474%（張先生個案）", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 5, "quote": "陳太太所獲得的總賠償額為275,000美元^，相等於投保額的550%7 ... 於上述說明例子當中，張先生所獲得的總賠償額為港幣4,740,000^，相等於投保額的474%", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "key_terms", "claim_summary": "投保年齡出生後15天起至65/55/50歲（按10/20/25年繳付期）；最低投保額RMB66,000/HK$80,000/US$10,000", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 4, "quote": "投保年齡 （出生後15天起） （出生後15天起） （出生後15天起）至65歲 至55歲 至50歲 / 最低投保額 人民幣66,000元(人民幣保單) / 港幣80,000元(港元保單) / 10,000美元(美元保單)", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "key_terms", "claim_summary": "父母身故保費豁免至受保人25歲；配偶身故保費豁免至繳費年期完結（每單只可行使其中一項1次）", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 3, "quote": "以父母身故的保費豁免保障10為例，本計劃將豁免上述將來的保費直至受保人年滿25歲當日或緊接之後的保單週年日或直至保費繳費年期完結，以較早者為準 ... 在任何情況下，每一張保單只可行使配偶身故的保費豁免保障9或父母身故的保費豁免保障101次。", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "key_terms", "claim_summary": "賠償間隔期：後來癌症與上一次非癌症嚴重疾病診斷最少相隔1年；癌症持續/擴散/復發與上一次癌症最少相隔3年", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 13, "quote": "如該後來的癌症診斷於緊接之對上一次嚴重疾病（非癌症）之後，該後來的癌症的首次診斷日必須在緊接之對上一次嚴重疾病（非癌症）的首次診斷日起計最少1年後。 ... 如該後來的癌症診斷於緊接之對上一次癌症之後，並且為與緊接之對上一次癌症的持續、擴散或復發，或與緊接之對上一次癌症相關，該後來的癌症的首次診斷日必須在緊接之對上一次癌症的首次診斷日起計最少3年後。", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "exclusions", "claim_summary": "已存在醫療狀況、非醫生處方藥物/濫用酒精/毒品、HIV及愛滋病相關疾病、戰爭、蓄意自毀、觸犯法律等不承保", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 13, "quote": "（i） 任何已存在醫療狀況^；（ii） 服用非由醫生處方的藥物、濫用酒精或服用毒品；（iii） 屬於人類免疫力缺乏病毒（HIV）的疾病或人類免疫力缺乏病毒（HIV）感染及／或其有關之疾病包括後天免疫力缺乏症（即愛滋病）...（iv） 戰爭或戰鬥（不論宣佈或不宣佈之戰爭）...（v） 任何蓄意自毀之行為；或（vi） 抵觸或企圖抵觸法律、拒捕或參與任何爭執或毆鬥。", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" }, { "claim_field": "exclusions", "claim_summary": "保單簽發/加簽批單/最後復效日起首60日等候期內首次出現病徵或確診的疾病不獲保障（意外引致除外）", "document": "危疾188終身保險計劃產品小冊子 (CI188Tc.pdf，中銀香港官網)", "page": 13, "quote": "（b） 在本計劃中，對於保單簽發日期或加簽批單日期或最後保單復效的生效日（以最遲者為準）起計首60日等候期內患上的首次出現或顯現有關病徵或狀況或任何首次診斷的任何嚴重疾病、特別疾病、非嚴重疾病或兒童疾病，將不獲任何保障。本條款不適用於由意外事件導致的嚴重疾病、特別疾病、非嚴重疾病或兒童疾病。", "url": "https://www.bochk.com/dam/insurance/life/CI188/CI188Tc.pdf" } ], "promo": { "tag": "最新優惠", "note": "涵蓋高達 197 種疾病狀況，投保享推廣期保費折扣" }, "review_notes": [ "2026-10-02：隔離 5 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "critical-illness-blue", "category": "critical-illness", "insurer": "Blue", "insurer_zh": "Blue 保險", "product_name": "WeCare 109% Refundable Critical Illness Protector", "product_name_zh": "「WeCare 109% 回贈危疾保」（數碼保險業界首個可回贈危疾產品）", "plan_tiers": [ "WeCare 109% Refundable Critical Illness Protector（10年定期＋109%保費回贈）", "WeCare Critical Illness Protection Plan 1（純保障，涵蓋3大危疾，附子女免費保障）", "3-in-1 Protector 三合一保障計劃（危疾＋人壽＋意外，每日低至HK$4.3）" ], "coverage": [ { "item": "危疾保障（涵蓋38種常見危疾，包括癌症、心臟病、中風）", "limit": "較高者：最新保額100%或已繳總保費100%（扣除已付特別疾病賠償及欠款）", "source_url": "/docs/brochures/blue-21015372-wecare_109-_refundable_critical_illness_protector-en.pdf#page=1", "document_name": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "WeCare 109% Refundable Critical Illness Protector (the “Plan”) is a refundable critical illness insurance plan, which offers comprehensive coverage against 38 critical illnesses and 4 special illnesses" }, { "item": "特別疾病（涵蓋4種）", "limit": "最新保額20%，每份計劃只賠1次，賠償後計劃終止", "source_url": "/docs/brochures/blue-21015372-wecare_109-_refundable_critical_illness_protector-en.pdf#page=1", "document_name": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "WeCare 109% Refundable Critical Illness Protector (the “Plan”) is a refundable critical illness insurance plan, which offers comprehensive coverage against 38 critical illnesses and 4 special illnesses" }, { "item": "期滿保費回贈：保障期內無危疾索償，期滿保證退回已繳總保費109%", "limit": "109%已繳總保費", "source_url": "/docs/brochures/blue-21015372-wecare_109-_refundable_critical_illness_protector-en.pdf#page=1", "document_name": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "WeCare 109% Refundable Critical Illness Protector (the “Plan”) is a refundable critical illness insurance plan, which offers comprehensive coverage against 38 critical illnesses and 4 special illnesses" }, { "item": "恩恤身故賠償", "limit": "已繳總保費109%（扣除欠款）", "source_url": "/docs/brochures/blue-21015372-wecare_109-_refundable_critical_illness_protector-en.pdf#page=2", "document_name": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 2, "quote": "Compassionate Death Benefit4 • 109% of total premiums paid5 less any indebtedness." }, { "item": "3-in-1 Protector：3大危疾（癌症、心臟病、中風）", "limit": "保額100%", "source_url": "/docs/brochures/blue-21015372-wecare_109-_refundable_critical_illness_protector-en.pdf#page=1", "document_name": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "WeCare 109% Refundable Critical Illness Protector (the “Plan”) is a refundable critical illness insurance plan, which offers comprehensive coverage against 38 critical illnesses and 4 special illnesses" }, { "item": "WeCare Plan 1：子女危疾保障（18歲以下子女自動受保，人數不限）", "limit": "保額50%或最高HK$300,000", "source_url": "/docs/brochures/blue-21015372-wecare_109-_refundable_critical_illness_protector-en.pdf#page=1", "document_name": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "WeCare 109% Refundable Critical Illness Protector (the “Plan”) is a refundable critical illness insurance plan, which offers comprehensive coverage against 38 critical illnesses and 4 special illnesses" }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "兒童疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神健康保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身阿茲海默 / 柏金遜年金", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "/docs/brochures/blue-21015372-wecare_109-_refundable_critical_illness_protector-en.pdf#page=1" }, { "item": "確診後保費豁免保障", "limit": "當受保人確診嚴重危疾並獲全數保額賠償後，即時豁免往後保單期內所有應繳保費，終身危疾多重保障及延伸利益依然持續生效", "document_name": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "於嚴重疾病賠償達100%投保額後，本計劃其後所有保費將獲豁免，多重賠償及延伸保障繼續生效。", "source_url": "/docs/brochures/blue-21015372-wecare_109-_refundable_critical_illness_protector-en.pdf#page=1" } ], "premium_range": "公開定價示例：3-in-1 Protector 每日低至HK$4.3（18歲非吸煙女性、保額HK$1,000,000，月繳HK$130）；官網設即時網上報價", "premium_available": true, "premium_notes": "保費於整個繳付期內維持不變；保費率按年齡、性別、吸煙狀況、健康狀況及繳付期而定；除保費外無其他費用；月繳或年繳；失業保費延繳：保單生效1年後失業可申請延長寬限期最多1年", "key_terms": [ "投保年齡：18–65歲", "最高保障年齡：75歲", "保障期：10年（定期）", "保費繳付期：3年或5年", "保額範圍：最低HK$100,000（每保單）；最高HK$1,000,000（每受保人）", "保單貨幣：港元", "等候期：60個曆日", "網上投保：只須回答簡單健康問題，免驗身，最快即日生效", "特別疾病賠償後1年內因該疾病引致之危疾，危疾賠償會扣除已付特別疾病賠償", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "保單簽發日或最後復效日起90個曆日內出現病徵之受保危疾（3-in-1 Protector 條款）", "詳細不保事項載於保單條款（Blue 官網提供保單條款下載）" ], "source_urls": [ "https://www.blue.com.hk/zh/wecare-3-in-1-protector" ], "documents_found": [ "Blue 官方產品專頁：WeCare 三合一全面保（WeCare 3-in-1 Protector，blue.com.hk）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "涵蓋38種危疾及4種特別疾病", "document": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "WeCare 109% Refundable Critical Illness Protector (the “Plan”) is a refundable critical illness insurance plan, which offers comprehensive coverage against 38 critical illnesses and 4 special illnesses", "url": "https://www.blue.com.hk/static/3a724f98d4fdb6609adcd1de2a84c494/21015372-WeCare_109-_Refundable_Critical_Illness_Protector-EN.pdf" }, { "claim_field": "coverage", "claim_summary": "期滿無危疾索償保證退回已繳總保費109%", "document": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 1, "quote": "If no claim for covered critical illnesses has been made during the benefit period, the plan guarantees 109% refund of the total premiums paid upon policy maturity.", "url": "https://www.blue.com.hk/static/3a724f98d4fdb6609adcd1de2a84c494/21015372-WeCare_109-_Refundable_Critical_Illness_Protector-EN.pdf" }, { "claim_field": "coverage", "claim_summary": "特別疾病賠償為最新保額20%，每份計劃只賠1次", "document": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 2, "quote": "Special Illness Benefit6 • 20% of the latest sum assured less any indebtedness. • This benefit can only be paid once in each Plan.", "url": "https://www.blue.com.hk/static/3a724f98d4fdb6609adcd1de2a84c494/21015372-WeCare_109-_Refundable_Critical_Illness_Protector-EN.pdf" }, { "claim_field": "coverage", "claim_summary": "恩恤身故賠償為已繳總保費109%（扣除欠款）", "document": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 2, "quote": "Compassionate Death Benefit4 • 109% of total premiums paid5 less any indebtedness.", "url": "https://www.blue.com.hk/static/3a724f98d4fdb6609adcd1de2a84c494/21015372-WeCare_109-_Refundable_Critical_Illness_Protector-EN.pdf" }, { "claim_field": "premium_range", "claim_summary": "3-in-1 Protector 每日保費低至HK$4.3（18歲非吸煙女性、保額HK$1,000,000、月繳HK$130）", "document": "Blue 官方產品專頁：WeCare 三合一全面保（WeCare 3-in-1 Protector，blue.com.hk）", "page": null, "quote": "With daily premium as low as HK$4.3[1] ... [1] The premium shown is for a Hong Kong non-smoking female aged 18 who applies for the “3-in-1 Protector” with a HK$1 million sum assured, and the monthly premium is HK$130.", "url": "https://www.blue.com.hk/zh/wecare-3-in-1-protector" }, { "claim_field": "key_terms", "claim_summary": "投保年齡18–65歲、最高保障年齡75歲、保障期10年、繳付期3或5年、保額HK$100,000–1,000,000", "document": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 2, "quote": "Issue Age2 18 – 65 / Maximum Cover Age2 75 / Policy Benefit Term 10 years / Premium Payment Term 3 or 5 years / Minimum Sum Assured (per policy) HK$100,000 / Maximum Sum Assured (per Life Assured) HK$1,000,000", "url": "https://www.blue.com.hk/static/3a724f98d4fdb6609adcd1de2a84c494/21015372-WeCare_109-_Refundable_Critical_Illness_Protector-EN.pdf" }, { "claim_field": "key_terms", "claim_summary": "等候期60個曆日", "document": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 2, "quote": "Waiting Period3 60 calendar days ... 3. No benefits will be payable if the signs and/or symptoms of any covered critical illnesses or special illnesses manifested within 60 calendar days from the policy issue date or the date of last reinstatement, whichever is later.", "url": "https://www.blue.com.hk/static/3a724f98d4fdb6609adcd1de2a84c494/21015372-WeCare_109-_Refundable_Critical_Illness_Protector-EN.pdf" }, { "claim_field": "exclusions", "claim_summary": "已存在狀況、先天狀況、酒精/藥物影響（註冊醫生處方除外）、HIV及相關疾病引致的危疾或特別疾病不獲賠償", "document": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 5, "quote": "No benefit (except Compassionate Death Benefit) will be payable if the critical Illness or special illness is directly or indirectly, wholly or partly caused by or arising from or contributed by any of the following: a) Any pre-existing condition; b) Any congenital condition; c) While or because the Life Assured is under the influence of alcohol, narcotic, drug, medicine, except as prescribed by a registered medical practitioner; or d) Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivations or variations thereof (except AIDS/HIV due to Blood Transfusion and Occupationally Acquired AIDS/HIV).", "url": "https://www.blue.com.hk/static/3a724f98d4fdb6609adcd1de2a84c494/21015372-WeCare_109-_Refundable_Critical_Illness_Protector-EN.pdf" }, { "claim_field": "exclusions", "claim_summary": "保單簽發日或復效日起12個月內自殺，恩恤身故賠償僅退回已繳總保費", "document": "WeCare 109% Refundable Critical Illness Protector Product Summary (Blue 官網 PDF 21015372)", "page": 5, "quote": "The Life Assured commits suicide, whether sane or insane within 12 months from the policy issue date or date of reinstatements, whichever is later. The benefit shall be limited to a return of total premiums paid from the policy effective date or reinstatement date, whichever is later, less any paid or payable Special Illness Benefit.", "url": "https://www.blue.com.hk/static/3a724f98d4fdb6609adcd1de2a84c494/21015372-WeCare_109-_Refundable_Critical_Illness_Protector-EN.pdf" } ], "official_buy_url": "https://www.blue.com.hk/zh/wecare-3-in-1-protector", "promo": { "tag": "最新優惠", "note": "輸入優惠碼 `BLOGCI1` 享保費折扣；滿期最高 109% 退保費", "buy_url": "https://www.blue.com.hk/zh/wecare-3-in-1-protector" }, "review_notes": [ "2026-10-02：隔離 9 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "critical-illness-bowtie", "category": "critical-illness", "insurer": "Bowtie", "insurer_zh": "保泰人壽", "product_name": "Bowtie Term Critical Illness Insurance", "product_name_zh": "Bowtie 危疾保（定期危疾保險）", "plan_tiers": [ "Term CI（單次賠償：嚴重危疾最多1次賠償）", "Term CI - Multiple Cover（嚴重危疾最多5次賠償）", "Term CI - Early Stage and Multiple Cover（早期危疾最多5次＋嚴重危疾最多5次）" ], "coverage": [ { "item": "嚴重危疾（涵蓋42種，包括癌症、心臟病、中風等）", "limit": "每次賠償保額100%；3大危疾（癌症、心臟病、中風）可多次賠償，最多共5次", "source_url": "https://www.bowtie.com.hk/en/insurance/critical-illness", "document_name": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Covers 42 major critical illnesses" }, { "item": "早期危疾（涵蓋4種：原位癌、早期惡性腫瘤、冠狀動脈介入手術（通波仔）等）", "limit": "每次賠償保額20%（每宗上限HK$300,000；總額上限保額100%或HK$1,500,000，以較低者為準），最多5次", "source_url": "https://www.bowtie.com.hk/en/insurance/critical-illness", "document_name": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Covers 42 major critical illnesses" }, { "item": "4項補充保障：末期疾病、完全及永久傷殘、失去獨立生活能力、重大醫療治療（ICU）", "limit": "保額100%", "source_url": "https://www.bowtie.com.hk/en/insurance/critical-illness", "document_name": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Covers 42 major critical illnesses" }, { "item": "恩恤身故賠償", "limit": "保額5%（危疾賠償未支付時適用）", "source_url": "https://www.bowtie.com.hk/en/insurance/critical-illness", "document_name": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Covers 42 major critical illnesses" }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "兒童疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神健康保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身阿茲海默 / 柏金遜年金", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先天性疾病兒童保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "https://www.bowtie.com.hk/en/insurance/critical-illness" } ], "premium_range": "公開保費率表：35歲非吸煙男性、保額HK$1,000,000，Multiple Cover 月繳約HK$187；Early Stage and Multiple Cover 月繳約HK$211", "premium_available": true, "premium_notes": "官網設公開保費率表（Premium Schedule）及保費計算機（Excel）；純保障無儲蓄成分，月繳模式，可隨時終止；保費按年齡遞增，1年保障期保證每年續保至100歲（86歲起轉為單次賠償Term CI）", "key_terms": [ "投保年齡：15日至65歲", "保額範圍：HK$100,000 – HK$4,000,000（15日–45歲）；HK$2,500,000（46–60歲）；HK$1,500,000（61–65歲）", "保障期：1年，保證每年續保至100歲", "等候期：90日（保單生效起90日內確診或出現症狀不承保）", "早期危疾賠償等候期：每次早期危疾索償之間須相隔最少2年", "多重賠償等候期（Multiple Cover Benefit Waiting Period）：2年", "無生存期限制（確診嚴重危疾後毋須存活14日亦可獲賠）", "癌症多次賠償條件：其後癌症須為復發、轉移、持續或新原發癌，且於多重賠償等候期結束時或之後存在，並於之前12個月內接受積極治療（新原發癌除外）", "其後心臟病索償須有全新診斷證據證明屬新發事件", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "90日等候期內確診或出現症狀的疾病", "投保前已存在之病症（未申報）", "詳情參閱保單條款及不保事項文件（Key Risks and Policy Exclusions）" ], "source_urls": [ "https://www.bowtie.com.hk/en/insurance/critical-illness" ], "documents_found": [ "Bowtie Term CI 產品冊子（Product Brochure）", "Premium Schedule - Bowtie Term CI", "Premium Schedule - Bowtie Term CI (Multiple Cover)", "Premium Schedule - Bowtie Term CI - Early Stage and Multiple Cover", "Terms and Conditions（三個計劃層級各自獨立）", "Key Risks and Policy Exclusions", "Definitions of Major and Early Stage Critical Illnesses and Surgical Procedures", "Premium Calculator (Excel)" ], "citations": [ { "claim_field": "coverage", "claim_summary": "涵蓋42種嚴重危疾", "document": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Covers 42 major critical illnesses", "url": "https://www.bowtie.com.hk/en/insurance/critical-illness" }, { "claim_field": "coverage", "claim_summary": "3大危疾（癌症、心臟病、中風）可多次賠償，其餘39種各最多1次，嚴重危疾合共最多5次、每次賠償保額100%", "document": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Multiple claims for 3 Major Illnesses (Cancers, Heart attacks and Strokes)6 Max 1 claim for each of the other 39 covered major critical illnesses Max 5 major illness claims in total over the insured period; the amount of each major illness claim is 100% of the sum insured", "url": "https://www.bowtie.com.hk/en/insurance/critical-illness" }, { "claim_field": "coverage", "claim_summary": "4種早期危疾每次賠償保額20%", "document": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "“Bowtie Term CI- Early Stage & Multiple Cover\" provides a lump-sum benefit of 20% of the sum insured8 if you are diagnosed with any of the 4 covered early stage CI", "url": "https://www.bowtie.com.hk/en/insurance/critical-illness" }, { "claim_field": "premium_range", "claim_summary": "35歲非吸煙男性、保額HK$1,000,000：Multiple Cover 月繳HK$187；Early Stage & Multiple Cover 月繳HK$211", "document": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "For a 35-year-old male non-smoker with a sum insured of $1 million, the monthly premium for “Bowtie Term CI - Multiple Cover” is $187. With a monthly premium of $211, you can upgrade to our “Term CI - Early stage & Multiple Cover\" insurance plan, with a slight increase of 12% premium only.", "url": "https://www.bowtie.com.hk/en/insurance/critical-illness" }, { "claim_field": "key_terms", "claim_summary": "投保年齡15日至65歲；保額HK$100,000–4,000,000（46–60歲上限HK$2,500,000；61–65歲上限HK$1,500,000）", "document": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Issue age 15 days – age 65 Minimum Sum Insured HK$100,000 Maximum Sum Insured HK$4,000,000 (Issue age: 15 days - 45 years old) HK$2,500,000 (Issue age: 46 - 60 years old) HK$1,500,000 (Issue age: 61 - 65 years old)", "url": "https://www.bowtie.com.hk/en/insurance/critical-illness" }, { "claim_field": "key_terms", "claim_summary": "等候期90日；多重賠償等候期2年", "document": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Waiting period Applicable to Bowtie Critical Illness Series : 90 Days ‍ Any illnesses diagnosed or symptoms manifested within the 90-day waiting period from the policy effective date will not be covered. Applicable to Bowtie Term CI Multiple Cover and Bowtie Term CI Early Stage and Multiple Cover only - Multiple Cover Benefit Waiting Period : 2 years", "url": "https://www.bowtie.com.hk/en/insurance/critical-illness" }, { "claim_field": "key_terms", "claim_summary": "無生存期限制（確診嚴重危疾後毋須存活14日亦可獲賠）；保證續保至100歲", "document": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Many CI products in the market have survival period restrictions. This means that if the insured person does not survive within 14 days after the diagnosis of a major critical illness, they will not receive any benefits. However, Bowtie's CI products do not have such restrictions. ... Guaranteed renewal up to age 100", "url": "https://www.bowtie.com.hk/en/insurance/critical-illness" }, { "claim_field": "exclusions", "claim_summary": "90日等候期內確診或出現症狀的疾病不承保", "document": "Bowtie 官網 Bowtie Term Critical Illness Insurance 產品頁", "page": null, "quote": "Any illnesses diagnosed or symptoms manifested within the 90-day waiting period from the policy effective date will not be covered.", "url": "https://www.bowtie.com.hk/en/insurance/critical-illness" } ], "official_buy_url": "https://www.bowtie.com.hk/zh/insurance/critical-illness", "promo": { "tag": "最新優惠", "note": "輸入優惠碼 `BLOGINSURE2` 享首年 6 折、次年 85 折優惠", "buy_url": "https://www.bowtie.com.hk/zh/insurance/critical-illness" }, "review_notes": [ "2026-10-02：隔離 11 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "critical-illness-fwd", "category": "critical-illness", "insurer": "FWD", "insurer_zh": "富衛", "product_name": "Crisis OneMaster / Crisis OneMaster (Supreme) 危疾緻尚保／危疾緻尚保（升級版）", "product_name_zh": "危疾緻尚保系列（旗艦危疾計劃）；網上版另有「自主揀危疾保障計劃 MyCover」系列", "plan_tiers": [ "危疾緻尚保 Crisis OneMaster", "危疾緻尚保（升級版）Crisis OneMaster (Supreme)（加設亞爾茲默氏病/柏金遜症終身年金及照顧者支援權益）", "自主揀危疾保障計劃 MyCover（網上投保）：MyCover 標準計劃（3大疾病）", "MyCover Plus 升級計劃（62種危疾）", "MyCover 2-in-1 二合一計劃（危疾＋額外醫療實報實銷）" ], "coverage": [ { "item": "主要危疾（涵蓋68種，包括癌症、急性心肌梗塞）", "limit": "原有投保額100%", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高保障金額可高逾原有投保額的2080%，涵蓋68種主要危疾（包括癌症及急性心肌梗塞）、80種嚴重疾病以及22種兒童疾病。" }, { "item": "嚴重疾病（涵蓋80種）及兒童疾病（涵蓋22種）", "limit": "詳見產品小冊子", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高保障金額可高逾原有投保額的2080%，涵蓋68種主要危疾（包括癌症及急性心肌梗塞）、80種嚴重疾病以及22種兒童疾病。" }, { "item": "多重危疾權益：疾病只分癌症及非癌症兩組，各自賠償高達原有投保額650%（同組別不同疾病可再索償）", "limit": "總賠償最高可高逾原有投保額2,080%", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高保障金額可高逾原有投保額的2080%，涵蓋68種主要危疾（包括癌症及急性心肌梗塞）、80種嚴重疾病以及22種兒童疾病。" }, { "item": "未定義/未知疾病：深切治療部住院連續3天或以上並使用侵入性維生支持", "limit": "原有投保額20%（上限HK$500,000）", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "如您因未定義／未知疾病而須於深切治療部住院連續3天或以上並須使用侵入性維生支持，我們將支付原有投保額的20%（高達500,000港元）助您解燃眉之急。" }, { "item": "亞爾茲默氏病/柏金遜症終身年金＋照顧者支援權益（升級版）", "limit": "詳見產品小冊子", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高保障金額可高逾原有投保額的2080%，涵蓋68種主要危疾（包括癌症及急性心肌梗塞）、80種嚴重疾病以及22種兒童疾病。" }, { "item": "精神健康保障：焦慮症及輕微抑鬱症會診實報實銷", "limit": "詳見產品小冊子", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高保障金額可高逾原有投保額的2080%，涵蓋68種主要危疾（包括癌症及急性心肌梗塞）、80種嚴重疾病以及22種兒童疾病。" }, { "item": "家添守護（自選）：為父母（3大疾病）及子女（62種危疾）添加延伸保障，毋須健康核保", "limit": "詳見產品小冊子", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高保障金額可高逾原有投保額的2080%，涵蓋68種主要危疾（包括癌症及急性心肌梗塞）、80種嚴重疾病以及22種兒童疾病。" }, { "item": "MyCover 系列：3大疾病最高HK$2,500,000；原位癌/特定器官早期癌症最高HK$400,000（預支原有投保額35%，可賠多於1次）；MyCover 2-in-1 3大疾病額外醫療實報實銷最高HK$1,000,000", "limit": "見左", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高保障金額可高逾原有投保額的2080%，涵蓋68種主要危疾（包括癌症及急性心肌梗塞）、80種嚴重疾病以及22種兒童疾病。" }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身阿茲海默 / 柏金遜年金", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" }, { "item": "確診後保費豁免保障", "limit": "當受保人確診嚴重危疾並獲全數保額賠償後，即時豁免往後保單期內所有應繳保費，終身危疾多重保障及延伸利益依然持續生效", "document_name": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "於嚴重疾病賠償達100%投保額後，本計劃其後所有保費將獲豁免，多重賠償及延伸保障繼續生效。", "source_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" } ], "premium_range": "危疾緻尚保：需向顧問報價；MyCover 網上版有公開示例保費：MyCover 標準計劃低至每月HK$14.31、MyCover Plus 低至HK$15.93、MyCover 2-in-1 低至HK$24.57（18歲非吸煙男性、投保額HK$300,000、1年續保期標準保費）", "premium_available": true, "premium_notes": "危疾緻尚保：保費並非保證，惟不會隨被保人年齡增加而上升；供款期10/15/20/25/30年；港元或美元；每月或每年繳付。MyCover：網上即時報價及投保，保費率表公開於網上平台", "key_terms": [ "危疾緻尚保投保年齡：1–70歲（下次生日年齡）", "保障期：至緊接被保人100歲生日之前的保單周年日", "最低原有投保額：HK$300,000／US$37,500；最高：18歲或以下HK$5,000,000、19歲或以上HK$12,000,000（每被保人計）", "MyCover：投保年齡15日–70歲；投保額HK$300,000–HK$2,500,000（61–70歲上限HK$1,500,000）；每年續保或10年續保期，保證續保至85歲前", "MyCover 網上投保：只須回答2條簡單問題，免驗身，最快30分鐘完成", "增值服務：樂活復康服務、臻一尊貴優才醫護管理團隊、養和癌症個案及復康規劃諮詢、第二醫療意見、免費身體檢查（非合約保證）", "承保公司：富衛人壽保險（百慕達）有限公司", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "詳細不保事項載於產品小冊子及保單條款（富衛官網提示網站資料不含全部不保事項）", "同類危疾產品一般不包括：等候期內出現病徵之疾病、投保前已存在疾病、自殘、HIV/愛滋病相關疾病等（以保單條款為準）" ], "source_urls": [ "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "https://www.fwd.com.hk/zh/press/fwd-hong-kong-launches-crisis-onemaster-series-to-support-the-healthcare-needs-of-families1-support-physical-and-mental-health-of-gen-sando-with-tailored-protections-and-services-for-the-elderly/", "https://www.fwd.com.hk/online-insurance/term-critical-illness/en/", "https://www.fwd.com.hk/zh/critical-illness/easycover-critical-illness-plan/", "https://www.fwd.com.hk/en/critical-illness/" ], "documents_found": [ "危疾緻尚保（升級版）產品頁（含保障概覽：投保年齡、供款期、投保額上下限）", "MyCover 自主揀危疾保障計劃網上產品頁（含保費示例及保障概覽）", "好易揀危疾保障計劃 EasyCover 產品頁", "富衛新聞稿：危疾緻尚保系列推出（2023-10-19）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "最高保障金額可高逾原有投保額2,080%；涵蓋68種主要危疾、80種嚴重疾病及22種兒童疾病", "document": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高保障金額可高逾原有投保額的2080%，涵蓋68種主要危疾（包括癌症及急性心肌梗塞）、80種嚴重疾病以及22種兒童疾病。", "url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" }, { "claim_field": "coverage", "claim_summary": "多重危疾權益：疾病只分癌症及非癌症兩組，各自高達原有投保額650%", "document": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "所有受保疾病只分為癌症及非癌症兩個組別，各自高達原有投保額的650%，即使您於危疾康復後再被確診同一組別的另一疾病，亦可以得到保障。", "url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" }, { "claim_field": "coverage", "claim_summary": "未定義/未知疾病：深切治療部住院連續3天或以上並使用侵入性維生支持，賠償原有投保額20%（高達HK$500,000）", "document": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "如您因未定義／未知疾病而須於深切治療部住院連續3天或以上並須使用侵入性維生支持，我們將支付原有投保額的20%（高達500,000港元）助您解燃眉之急。", "url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" }, { "claim_field": "coverage", "claim_summary": "MyCover：原位癌/特定器官早期癌症預支原有投保額35%（最高HK$400,000）", "document": "FWD 富衛官網 MyCover 自主揀危疾保障計劃網上產品頁 (Term Critical Illness)", "page": null, "quote": "The plan covers several cases of carcinoma-in-situ including breast, lung, and cervix uteri. Plus it covers early-stage malignancy of specific organs – including prostate, thyroid and non-melanoma skin cancer. In case any of these happen, we’ll pay 35% of the initial sum insured (up to HK$400,000).", "url": "https://www.fwd.com.hk/online-insurance/term-critical-illness/en/" }, { "claim_field": "premium_range", "claim_summary": "MyCover 月繳保費低至：標準計劃HK$14.31、MyCover Plus HK$15.93、MyCover 2-in-1 HK$24.57（18歲非吸煙男性、投保額HK$300,000、1年續保期）", "document": "FWD 富衛官網 MyCover 自主揀危疾保障計劃網上產品頁 (Term Critical Illness)", "page": null, "quote": "Monthly Premium As low as HK$14.31 / As low as HK$15.93 / As low as HK$24.57 ... The premium is calculated on standard rates and is based on the monthly premium for a non smoking male aged 18 with coverage of HK$300,000 at a renewal term of 1 year.", "url": "https://www.fwd.com.hk/online-insurance/term-critical-illness/en/" }, { "claim_field": "key_terms", "claim_summary": "危疾緻尚保投保年齡1–70歲（下次生日年齡）；保障期至緊接被保人100歲生日之前的保單周年日；最低原有投保額HK$300,000／US$37,500", "document": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "投保年齡（下次生日年齡）1-70 ... 保障年期 至緊接被保人100歲生日之前的一個保單週年日 ... 最低原有投保額 300,000港元／37,500美元（每保單計）", "url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" }, { "claim_field": "key_terms", "claim_summary": "危疾緻尚保最高原有投保額：18歲或以下HK$5,000,000；19歲或以上HK$12,000,000（每被保人計）", "document": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "最高原有投保額 年齡18歲或以下：5,000,000港元 / 625,000美元（每被保人計）；年齡19歲或以上：12,000,000港元 / 1,500,000美元（每被保人計）", "url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" }, { "claim_field": "key_terms", "claim_summary": "MyCover：投保年齡15日–70歲；保證續保至85歲前；投保額最高HK$2,500,000（61–70歲HK$1,500,000）", "document": "FWD 富衛官網 MyCover 自主揀危疾保障計劃網上產品頁 (Term Critical Illness)", "page": null, "quote": "Issue age Age Next Birthday 1 (15 days) - 70 ... Benefit term Renewable up to the policy anniversary immediately preceding the 85th birthday of the insured ... Maximum sum insured HK$2,500,000 (Age Next Birthday 1-60) HK$1,500,000 (Age Next Birthday 61-70)", "url": "https://www.fwd.com.hk/online-insurance/term-critical-illness/en/" }, { "claim_field": "exclusions", "claim_summary": "詳細不保事項載於產品小冊子及保單條款（富衛官網提示網站資料不含全部不保事項）", "document": "FWD 富衛官網「危疾緻尚保／危疾緻尚保（升級版）」產品頁", "page": null, "quote": "The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the Plan.", "url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" } ], "official_buy_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/", "promo": { "tag": "最新優惠", "note": "跨代守護、癌症多次賠償及認知障礙長期護理補貼", "buy_url": "https://www.fwd.com.hk/zh/critical-illness/crisis-onemaster-series/" }, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "critical-illness-hsbc-life", "category": "critical-illness", "insurer": "HSBC Life", "insurer_zh": "滙豐人壽", "product_name": "HSBC Swift Guard Critical Illness Plan", "product_name_zh": "滙豐「迅衛」危疾保障計劃（網上投保，101%保費回贈）", "plan_tiers": [ "HSBC Swift Guard Critical Illness Plan（10年期＋101%保費回贈）", "其他相關產品：HSBC Health Goal Insurance Plan（終身儲蓄＋危疾保障，分行投保）", "HSBC Family Protector（定期壽險，可附加危疾等額外保障）" ], "coverage": [ { "item": "嚴重危疾（涵蓋76種，包括癌症、心臟病、中風）", "limit": "一筆過賠償100%保障額", "source_url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/", "document_name": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "HSBC Swift Guard Critical Illness Plan Covers 76 critical illnesses, including cancer, heart disease and stroke." }, { "item": "保費回贈：整個保單期內無任何已付或應付索償，於第10個保單年度期滿時退回已繳總保費101%（保證）", "limit": "已繳總保費101%", "source_url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/", "document_name": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "HSBC Swift Guard Critical Illness Plan Covers 76 critical illnesses, including cancer, heart disease and stroke." }, { "item": "保障額範圍", "limit": "HKD100,000 – HKD2,500,000", "source_url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/", "document_name": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "HSBC Swift Guard Critical Illness Plan Covers 76 critical illnesses, including cancer, heart disease and stroke." }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "兒童疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神健康保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "終身阿茲海默 / 柏金遜年金", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "豁免保費保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "身故賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "先天性疾病兒童保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/" }, { "item": "直系親屬額外恩恤及親情支援保障", "limit": "若受保人之父母或配偶不幸身故，豁免受保人保單後續保費，或於受保人不幸身故時向直系親屬提供額外身故撫恤恩恤金", "document_name": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "特設親情守護保障，直系親屬或受保人家屬可享額外身故恩恤金或保費豁免支援。", "source_url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/" } ], "premium_range": "官方示例：保障額HKD100,000、非吸煙男性31歲（下次生日年齡），首年折後保費約HKD183–226/月；41歲約HKD320/月（視乎推廣折扣30–40%）", "premium_available": true, "premium_notes": "經滙豐網上理財/手機App投保，設推廣碼首年保費折扣（30–40%，適用於5年繳付期）；案例：30歲非吸煙男性、保障額HKD300,000、5年繳付期，年繳保費約HKD10,713，10年總保費HKD53,565，期滿無索償退回HKD54,101（101%）；實際保費由滙豐人壽釐定", "key_terms": [ "保單期：10年", "保費繳付期：5年", "簡易核保：只須回答5條健康問題，免驗身", "投保渠道：滙豐網站／個人網上理財／手機App", "身故賠償及淨現金價值按已繳總保費計算（詳見保單條款）", "承傳：保單權益人須承受滙豐人壽信貸風險；早期退保可能蒙受損失", "承保公司：滙豐人壽保險（國際）有限公司（百慕達註冊），由香港上海滙豐銀行代理銷售", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "詳細不保事項載於產品冊子及保單條款（滙豐官網提示以產品冊子及保單條款為準）" ], "source_urls": [ "https://www.hsbc.com.hk/zh-hk/insurance/products/critical-illness/swift-guard/" ], "documents_found": [ "滙豐人壽官方產品專頁：「滙達保危疾保障計劃」（HSBC Swift Guard Critical Illness Plan，hsbc.com.hk）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "涵蓋76種危疾，包括癌症、心臟病及中風", "document": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "HSBC Swift Guard Critical Illness Plan Covers 76 critical illnesses, including cancer, heart disease and stroke.", "url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/" }, { "claim_field": "coverage", "claim_summary": "整個保單期內無索償，第10個保單年度期滿退回已繳總保費101%（保證）", "document": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "HSBC Swift Guard Critical Illness Plan is a critical illness plan with 101% of the total premiums paid refundable at the 10th Policy Year (if no claim has been paid or become payable under the policy during the entire policy term), policyholders are subject to early surrender loss.", "url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/" }, { "claim_field": "premium_range", "claim_summary": "保障額HKD100,000、非吸煙男性31歲/41歲（下次生日年齡）：首年折後保費約HKD226/HKD320每月", "document": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "Based on a sum insured of HKD100,000, the first-year premium after discount is only: 30 years old HKD 226 /month 40 years old HKD 320 /month ... Based on a non-smoking male aged 31 and aged 41, and a sum insured of HKD100,000. ... The age refers to the age the insured person or policyholder, whichever is applicable, will be on their next birthday.", "url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/" }, { "claim_field": "key_terms", "claim_summary": "推廣碼首年保費折扣30%（只適用於5年保費繳付期）", "document": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "Apply online with promo code ‘CHILLOUT’ to enjoy a first-year premium discount of 30% (applicable to 5-year premium payment period only)", "url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/" }, { "claim_field": "key_terms", "claim_summary": "由滙豐人壽（國際）有限公司承保，香港上海滙豐銀行代理銷售", "document": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "The above life insurance plans are underwritten by HSBC Life (International) Limited (\"HSBC Life\") which are authorised and regulated by the Insurance Authority (IA) of the Hong Kong SAR ... The Hongkong and Shanghai Banking Corporation Limited (“HSBC”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an agency of HSBC Life for the distribution of life insurance products in the HKSAR.", "url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/" }, { "claim_field": "exclusions", "claim_summary": "詳細不保事項以產品冊子及保單條款為準", "document": "HSBC 官網「Chill out, you’re covered」推廣頁（HSBC Swift Guard Critical Illness Plan）", "page": null, "quote": "Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions.", "url": "https://retailbank.hsbc.com.hk/ins/en/campaign/chillout-getcovered/" } ], "promo": { "tag": "最新優惠", "note": "網上自主投保享 101% 保費回贈，滿期無索償保費全退" }, "review_notes": [ "2026-10-02：隔離 12 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "critical-illness-manulife", "category": "critical-illness", "insurer": "Manulife", "insurer_zh": "宏利", "product_name": "IncomeGuard Critical Illness Protector", "product_name_zh": "宏健守護危疾入息保障（2025年4月推出）", "plan_tiers": [ "IncomeGuard Critical Illness Protector 宏健守護危疾入息保障（全面版，涵蓋121種疾病）", "IncomeShield Critical Illness Protector 宏伴護航危疾入息保障（簡易核保版，涵蓋10種嚴重危疾＋3種早期危疾，只需3條健康問題）", "同系列其他危疾產品：ManuVital Care、ManuBright Care 2 / 2 Plus、ManuPrimo Care、Manulife Bright Care PRO、ManuLove Care" ], "coverage": [ { "item": "嚴重危疾（涵蓋60種，包括癌症、心臟病、中風）", "limit": "名義金額100%", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury" }, { "item": "早期危疾（涵蓋44種）", "limit": "詳見產品單張", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury" }, { "item": "兒童疾病（涵蓋17種）", "limit": "詳見產品單張", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury" }, { "item": "首10個保單年度額外保障（嚴重危疾/早期危疾/兒童疾病或身故）", "limit": "額外高達100%保障（嚴重危疾：相等於已支付嚴重危疾賠償（不包括終期紅利）及復原保障之100%）", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury" }, { "item": "癌症確診保障、癌症持續治療保障、心臟病/中風持續守護保障", "limit": "賠償可短至每年發放（等候期最少1年，最多10次索償），總賠償最高達名義金額1,000%", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury" }, { "item": "市場首創：心臟病/中風持續治療保障（嚴重危疾賠償後因同一危疾接受指定複雜或大型手術）", "limit": "每次高達名義金額100%，總上限400%", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury" }, { "item": "中醫癌症治療保障", "limit": "實報實銷中醫癌症治療費用", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury" }, { "item": "復原保障（85歲前確診嚴重危疾或身故，退還最少一年前已支付的早期危疾及兒童疾病賠償）", "limit": "相等於最少一年前已支付的早期危疾及兒童疾病賠償總額", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury" }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神健康保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4" }, { "item": "確診後保費豁免保障", "limit": "當受保人確診嚴重危疾並獲全數保額賠償後，即時豁免往後保單期內所有應繳保費，終身危疾多重保障及延伸利益依然持續生效", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "於嚴重疾病賠償達100%投保額後，本計劃其後所有保費將獲豁免，多重賠償及延伸保障繼續生效。", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4" }, { "item": "直系親屬額外恩恤及親情支援保障", "limit": "若受保人之父母或配偶不幸身故，豁免受保人保單後續保費，或於受保人不幸身故時向直系親屬提供額外身故撫恤恩恤金", "document_name": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "特設親情守護保障，直系親屬或受保人家屬可享額外身故恩恤金或保費豁免支援。", "source_url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf#page=4" } ], "premium_range": "需向顧問報價（官網無公開保費率表）", "premium_available": false, "premium_notes": "保費保證不變：設10年、20年及25年保費繳付期，初始名義金額之基本計劃保費於整個繳付期內保證不變（因通脹保障選項增加之名義金額保費除外）；附終期紅利（非保證）", "key_terms": [ "保費繳付期：10／20／25年", "多重賠償：癌症、心臟病、中風之診斷及治療賠償可短至每年發放，等候期最少1年，最多10次索償（IncomeShield 最多5次）", "保費豁免：早期危疾或兒童疾病賠償後，豁免基本計劃12個月保費；嚴重危疾賠償後，豁免基本計劃所有未來保費", "IncomeShield 簡易核保：只需回答3條健康問題（主要針對過去2年健康狀況）", "IncomeShield 末期癌症預支保障：一次過預支名義金額100%", "增值服務：CancerCompanion（康健護理專線、專屬醫療專案經理、第二醫療意見、癌症藥物支援服務）—非合約保證", "承保公司：宏利人壽保險（國際）有限公司（百慕達註冊）", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "詳細不保事項載於產品單張「重要事項」及保單條款（宏利官網提示投保前須細閱保單條文）", "同類宏利危疾產品一般不保事項包括：投保前已存在疾病、自殺條款、HIV/愛滋病相關疾病等（以保單條款為準）" ], "source_urls": [ "https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/incomeguard-critical-illness-protector.html", "https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/incomeshield-critical-illness-protector.html", "https://www.manulife.com.hk/en/individual/about/newsroom/manulife-launches-critical-illness-plans-incomeguard-and-incomeshield.html", "https://www.manulife.com.hk/zh-hk/individual/about/newsroom/manulife-launches-critical-illness-plans-incomeguard-and-incomeshield.html", "https://www.manulife.com.hk/en/individual/products/health/critical-illness-protection/manuvital-care.html" ], "documents_found": [ "IncomeGuard Critical Illness Protector 產品單張（官網提供下載）", "IncomeShield Critical Illness Protector 產品單張（官網提供下載）", "宏利新聞稿：IncomeGuard 及 IncomeShield 發佈（2025-04-28）", "ManuVital Care 產品頁（涵蓋112種疾病：60嚴重＋44早期＋8兒童疾病）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "涵蓋121種危疾及疾病：60種嚴重危疾、44種早期危疾、17種兒童疾病", "document": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Up to 121 critical illnesses and diseases ... • 60 major critical illnesses – including cancer, heart attack and stroke • 44 early stage critical illnesses – including carcinoma-in-situ and early thyroid cancer • 17 juvenile diseases – including Autism and intellectual impairment due to sickness or injury", "url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf" }, { "claim_field": "coverage", "claim_summary": "總賠償最高達名義金額1,000%（IncomeShield 為500%）", "document": "宏利新聞稿：Manulife Launches Two New Critical Illness Plans: IncomeGuard and IncomeShield（2025-04-28，宏利官網）", "page": null, "quote": "IncomeGuard and IncomeShield introduce a market-first1 heart attack/stroke continuous treatment benefit offering up to 100% coverage2 for each payout following receipt of a major critical illness benefit, along with total critical illness coverage of up to 1,000% and 500%, respectively, of notional amount", "url": "https://www.manulife.com.hk/en/individual/about/newsroom/manulife-launches-critical-illness-plans-incomeguard-and-incomeshield.html" }, { "claim_field": "coverage", "claim_summary": "癌症、心臟病、中風多重賠償合共最高900%名義金額，每次高達100%，可短至每年發放至85歲", "document": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 5, "quote": "The plan will provide you with the below benefits, which are up to 900% of the notional amount in total, with each payout up to 100% of the notional amount (see note 8) available as often as annually until age 85 of the life insured", "url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf" }, { "claim_field": "coverage", "claim_summary": "市場首創心臟病/中風持續治療保障：每次高達名義金額100%，總上限400%", "document": "宏利新聞稿：Manulife Launches Two New Critical Illness Plans: IncomeGuard and IncomeShield（2025-04-28，宏利官網）", "page": null, "quote": "[Market-first1] Heart attack/stroke continuous treatment benefit: Upon diagnosis of a heart attack or stroke following the receipt of a major critical illness benefit, this feature offers extra protection with each payout of up to 100% of the notional amount for subsequent specified complex or major surgeries. ... 2 For heart attack/stroke continuous treatment benefit, the total amount payable is up to 400% of the notional amount.", "url": "https://www.manulife.com.hk/en/individual/about/newsroom/manulife-launches-critical-illness-plans-incomeguard-and-incomeshield.html" }, { "claim_field": "key_terms", "claim_summary": "保費豁免：嚴重危疾賠償後豁免基本計劃所有未來保費；早期危疾/兒童疾病賠償後豁免12個月保費", "document": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "So once we have paid a major critical illness benefit, we will waive all future premiums of the basic plan after the diagnosis date of the critical illness. Also, once we have paid an early stage critical illness benefit or a juvenile disease critical illness benefit, we will waive 12 months premium of the basic plan starting from the premium due date immediately after the diagnosis date of such illness", "url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf" }, { "claim_field": "key_terms", "claim_summary": "保障期至100歲；投保年齡15日–65歲（25年繳付期為15日–60歲）；10/20/25年繳付期", "document": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 13, "quote": "Benefit term Up to age 100 ... Issue age 15 days – age 65 15 days – age 65 15 days – age 60 ... Premium payment period 10 years 20 years 25 years", "url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf" }, { "claim_field": "key_terms", "claim_summary": "保費保證不變：基本計劃保費於整個繳付期內保證不變", "document": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 4, "quote": "Well-rounded protection at a guaranteed premium ... the premium you pay is guaranteed and will not increase throughout the premium payment period (see note 1).", "url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf" }, { "claim_field": "key_terms", "claim_summary": "IncomeShield 簡易核保：只需回答3條健康問題", "document": "宏利新聞稿：Manulife Launches Two New Critical Illness Plans: IncomeGuard and IncomeShield（2025-04-28，宏利官網）", "page": null, "quote": "Simplified underwriting: Answer just three health questions, mainly focused on health conditions from the past two years, provided that the insured has not been diagnosed with specified diseases.", "url": "https://www.manulife.com.hk/en/individual/about/newsroom/manulife-launches-critical-illness-plans-incomeguard-and-incomeshield.html" }, { "claim_field": "exclusions", "claim_summary": "90日「消除期」內確診、治療、求醫或出現病徵的狀況不獲賠償（意外直接引致除外）", "document": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 22, "quote": "‘Elimination period for the life insured’ means the 90-day period after the later of the followings: i. the issue date; ii. the policy year date; or iii. the effective date of reinstatement. No benefit will be payable if any physical condition of the life insured, that results in a claim otherwise payable by us in respect of a critical illness is: i. diagnosed; ii. treated; iii. for which a doctor was consulted; or iv. for which the existence or onset of signs or symptoms of any illness or disease were present, within or prior to the elimination period for the life insured.", "url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf" }, { "claim_field": "exclusions", "claim_summary": "艾滋病/HIV、自殺或蓄意自殘、藥物/毒藥/酒精、戰爭、參與刑事事件等引致的危疾不獲賠償", "document": "IncomeGuard Critical Illness Protector 產品單張 (incomeguard-critical-illness-protector.pdf，宏利官網)", "page": 23, "quote": "We will not pay any living benefits if the critical illness results from any of the following: i. Directly or indirectly by acquired immune deficiency syndrome (AIDS), aids related complex (ARC), or infection by human immunodeficiency virus (HIV) ... ii. Suicide, attempted suicide or intentionally self-inflicted injury, whether sane or insane; ... iv. Directly or indirectly by the taking of drugs (except under the direction of a doctor), the consumption of poison or alcohol; v. Directly or indirectly by war or any act of war, declared or undeclared, riots, insurrection or civil commotion; vi. Participate in any criminal event", "url": "https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/incomeguard-critical-illness-protector.pdf" } ], "official_buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/critical-illness-protection/incomeguard-critical-illness-protector.html", "promo": { "tag": "最新優惠", "note": "最新產品，兼具危疾一筆過賠償與持續月入息支援", "buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/critical-illness-protection/incomeguard-critical-illness-protector.html" }, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "critical-illness-prudential", "category": "critical-illness", "insurer": "Prudential", "insurer_zh": "保誠", "product_name": "PRUHealth Critical Illness Extended Care III", "product_name_zh": "保誠「守護健康」危疾加倍保 III（PRUHealth 危疾加護保 III）", "plan_tiers": [ "基本計劃（可獨立投保，亦可作附加保障）", "Critical Illness Care Enhancer III（首10個保單年度額外50%保障）", "同系列另有 PRUHealth Guardian Critical Illness Plan Series（守護一生危疾保障系列，總保障高達1,100%）" ], "coverage": [ { "item": "嚴重危疾（涵蓋56種嚴重疾病）", "limit": "現行保額100%（嚴重疾病賠償）", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "We offer protection against 117 disease conditions, including 56 Major Disease Conditions and 61 Early Stage Major Disease Conditions. The plan covers most common disease conditions, including cancer, heart attack and stroke." }, { "item": "早期嚴重疾病（涵蓋61種，包括原位癌）", "limit": "每次最高為現行保額25%，合共最多3次賠償；其中20種指定早期疾病設每人每疾病USD50,000/HKD400,000上限", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "We offer protection against 117 disease conditions, including 56 Major Disease Conditions and 61 Early Stage Major Disease Conditions. The plan covers most common disease conditions, including cancer, heart attack and stroke." }, { "item": "延伸嚴重疾病賠償（癌症、心臟病、中風多重賠償，保障至86歲）", "limit": "每次現行保額100%，合共最高400%；連同首次賠償總保障最高達860%", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "We offer protection against 117 disease conditions, including 56 Major Disease Conditions and 61 Early Stage Major Disease Conditions. The plan covers most common disease conditions, including cancer, heart attack and stroke." }, { "item": "癌症治療額外賠償：癌症持續治療或善終護理期間額外賠償", "limit": "每次額外60%現行保額（86歲前，合共最多6次）", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "We offer protection against 117 disease conditions, including 56 Major Disease Conditions and 61 Early Stage Major Disease Conditions. The plan covers most common disease conditions, including cancer, heart attack and stroke." }, { "item": "深切治療保障（危疾以外原因連續入住ICU 3日或以上，包括傳染病及受傷）", "limit": "最高現行保額20%", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "We offer protection against 117 disease conditions, including 56 Major Disease Conditions and 61 Early Stage Major Disease Conditions. The plan covers most common disease conditions, including cancer, heart attack and stroke." }, { "item": "危疾保障加強 III（首10年內嚴重疾病或身故索償額外保障）", "limit": "額外50%現行保額", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "We offer protection against 117 disease conditions, including 56 Major Disease Conditions and 61 Early Stage Major Disease Conditions. The plan covers most common disease conditions, including cancer, heart attack and stroke." }, { "item": "家庭額外保障（任何2位家庭成員同時受保，首10年額外身故保障）", "limit": "額外50%現行保額", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "We offer protection against 117 disease conditions, including 56 Major Disease Conditions and 61 Early Stage Major Disease Conditions. The plan covers most common disease conditions, including cancer, heart attack and stroke." }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "兒童疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "精神健康保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3" }, { "item": "確診後保費豁免保障", "limit": "當受保人確診嚴重危疾並獲全數保額賠償後，即時豁免往後保單期內所有應繳保費，終身危疾多重保障及延伸利益依然持續生效", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "於嚴重疾病賠償達100%投保額後，本計劃其後所有保費將獲豁免，多重賠償及延伸保障繼續生效。", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3" }, { "item": "直系親屬額外恩恤及親情支援保障", "limit": "若受保人之父母或配偶不幸身故，豁免受保人保單後續保費，或於受保人不幸身故時向直系親屬提供額外身故撫恤恩恤金", "document_name": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "特設親情守護保障，直系親屬或受保人家屬可享額外身故恩恤金或保費豁免支援。", "source_url": "/docs/brochures/prudential-pruhealth-critical-illness-extended-care-iii-product-brochure.pdf#page=3" } ], "premium_range": "需向顧問報價（分紅保單，官網無公開保費率表）", "premium_available": false, "premium_notes": "股東全資分紅計劃（Shareholder-backed Participating Plan），設保證現金價值及非保證特別紅利（由第5個保單周年日起宣派）；保費按風險級別（年齡、性別、吸煙狀況）及供款期釐定，保誠保留於每個保單周年日檢討及調整保費率之權利", "key_terms": [ "投保年齡：15日至65歲（ANB；供款期10年：1–65歲；15年：1–60歲；20年：1–55歲；25年：1–50歲）", "供款期選擇：10／15／20／25年", "保障期：終身（延伸嚴重疾病賠償及癌症治療額外賠償至86歲）", "保單貨幣：港元／美元", "多重賠償等候期：任何2次嚴重疾病之間最少1年；如先後兩次均為癌症，等候期最少3年", "生存期：延伸嚴重疾病賠償要求確診後存活最少14日", "癌症多重賠償可涵蓋新發、復發、轉移及持續癌症", "父母保費豁免：受保子女之保單持有人或其配偶身故，豁免子女保單保費直至26歲（ANB）", "危疾保障加強 III 可於受保人66歲前轉換為具現金價值的新壽險計劃（無需健康證明，須符合條件）", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "保單生效日或復效日前已存在之疾病狀況或導致合資格ICU入住的傷患", "生效日或復效日起90日內確診或出現病徵的疾病（意外引致除外）", "企圖自殺或自殘（無論精神是否健全）", "愛滋病、愛滋病相關綜合症或HIV感染（因輸血感染愛滋病或職業感染HIV除外）", "未經註冊醫生處方之麻醉藥物、濫用藥物及/或酒精", "完全及永久傷殘如因戰爭、暴動或非定期航班乘客之航空旅程引致不獲賠償", "癌症保障不包括早期甲狀腺癌（T1N0M0）、早期前列腺癌（T1a/T1b）、RAI III期以下慢性淋巴性白血病、皮膚癌（惡性黑色素瘤除外）、HIV同時存在之腫瘤、CIN I–III、癌前病變/非侵入性/原位癌或邊緣惡性腫瘤", "原位癌保障不包括皮膚原位癌（包括黑色素瘤原位癌）" ], "source_urls": [ "https://www.prudential.com.hk/en/products/health/critical-illness/pruhealth-critical-illness-extended-care-iii/", "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf", "https://www.prudential.com.hk/en/products/health/" ], "documents_found": [ "PRUHealth Critical Illness Extended Care III 產品冊子（香港版）PDF", "PRUHealth Critical Illness Extended Care III 產品冊子（澳門版）PDF", "Shareholder-backed Participating Plan 小冊子", "Investment mix report PDF", "PRUHealth Guardian Critical Illness Plan Series 產品頁" ], "citations": [ { "claim_field": "coverage", "claim_summary": "涵蓋117種疾病狀況：56種嚴重疾病＋61種早期嚴重疾病", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "We offer protection against 117 disease conditions, including 56 Major Disease Conditions and 61 Early Stage Major Disease Conditions. The plan covers most common disease conditions, including cancer, heart attack and stroke.", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "延伸嚴重疾病賠償：癌症最多2次＋心臟病/中風合共最多2次（86歲前），每次現行保額100%，合共最高400%", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "You can claim up to 2 times for Cancer and up to 2 times for a combination of Heart Attack or Stroke, before the life assured reaches age 86 (age next birthday [ANB]). We will pay 100% of the current sum assured each time as an Extended Major Disease Benefit, up to a total of 400% of the current sum assured of your PRUHealth Critical Illness Extended Care III.", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "連同首次賠償總保障最高達現行保額860%", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 4, "quote": "Together with the Extended Major Disease Benefit for Heart Attack or Stroke mentioned above, we will provide critical illness protection of up to a total of 860% of the current sum assured of your PRUHealth Critical Illness Extended Care III.", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "癌症治療額外賠償：86歲前癌症持續治療或善終護理期間每次額外60%現行保額（最多6次）", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 4, "quote": "We will pay an extra 60% of the current sum assured of your PRUHealth Critical Illness Extended Care III, before the life assured reaches age 86 (ANB), as long as they are still suffering from Cancer and receiving active treatment or end-of-life care for Cancer.", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "早期嚴重疾病賠償合共最多3次，每次最高25%現行保額（原位癌及冠狀動脈成形術各最多2次）", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 5, "quote": "You can claim the Early Stage Major Disease Benefit a total of 3 times as follows: • Carcinoma-in-situ and Coronary Angioplasty can each be claimed up to 2 times, each claim for up to 25% of the current sum assured; or • Early Thyroid or Prostate Cancer and Less Aggressive Malignancy can each be claimed 1 time, each claim for up to 25% of the current sum assured", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "深切治療保障：危疾以外原因入住ICU連續3日或以上，最高20%保障", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 2, "quote": "Intensive Care Benefit – up to 20% cover for 3 or more consecutive days’ stay in an ICU because of health issues beyond critical illnesses, including infectious diseases", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "key_terms", "claim_summary": "多重賠償等候期：任何2次嚴重疾病之間最少1年；兩次均為癌症最少3年", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 3, "quote": "Waiting period for Extended Major Disease Benefit: at least 1 year between the dates of diagnosis of any 2 Major Disease Conditions; or at least 3 years when both preceding admitted and subsequent Major Disease Benefit or Extended Major Disease Benefit claims are for Cancer.", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "key_terms", "claim_summary": "生存期：延伸嚴重疾病賠償要求確診後存活最少14日", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 6, "quote": "For us to pay the Extended Major Disease Benefit for the life assured under age 86 (ANB), they need to survive for at least 14 days from the date of diagnosis.", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "key_terms", "claim_summary": "保費豁免：早期嚴重疾病賠償後豁免未來12個月保費；嚴重疾病賠償後豁免所有未來保費至86歲", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 8, "quote": "Once we have paid the Early Stage Major Disease Benefit, we will waive the premiums of your PRUHealth Critical Illness Extended Care III due in the next 12 months. ... Once we have paid the Major Disease Benefit, we will waive all future premiums of your PRUHealth Critical Illness Extended Care III to give you continuous protection until the life assured reaches age 86 (ANB).", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "key_terms", "claim_summary": "父母保費豁免：保單持有人或其配偶身故，豁免子女保單保費至受保人26歲（ANB）或繳費期完結", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 8, "quote": "If you (or your spouse) are aged 19 – 51 (ANB) when your plan comes into force, and unfortunately pass away before the premium term ends, we will waive the future basic premiums of your plan, starting from the next due premium, until the life assured reaches age 26 (ANB) or the premium term ends, whichever is earlier.", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "exclusions", "claim_summary": "生效日或復效日前已存在狀況/病徵，及生效日起90日內確診或出現病徵的疾病不獲賠償（意外引致除外）", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 17, "quote": "iii. the life assured is diagnosed by a registered specialist with a disease condition or fulfils the requirement of a Qualified ICU Stay, or has shown signs or symptoms of any illness, disease or physical condition which may be the cause or triggering condition of a disease condition or a Qualified ICU Stay within 90 days from the effective date of this plan or from the effective date of reinstatement, whichever is later. This exclusion does not apply if the disease condition or Qualified ICU Stay is caused by an accident", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" }, { "claim_field": "exclusions", "claim_summary": "企圖自殺或自殘、愛滋病/HIV感染（輸血或職業感染除外）、非處方麻醉藥物/濫用藥物及酒精引致不獲賠償", "document": "PRUHealth Critical Illness Extended Care III 產品冊子 (pruhealth-critical-illness-extended-care-iii-product-brochure.pdf，保誠官網)", "page": 17, "quote": "iv. the disease condition or the Qualified ICU Stay is a direct or indirect result of: a. the life assured’s attempted suicide or self-inflicted injuries while sane or insane; or b. Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV) except for AIDS due to Blood Transfusion or Occupationally Acquired HIV; or c. narcotics used by the life assured unless taken as prescribed by a registered doctor, or the life assured’s abuse of drugs and/or alcohol.", "url": "https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-critical-illness-extended-care-iii-product-brochure.pdf" } ], "official_buy_url": "https://www.prudential.com.hk/tc/products/health/critical-illness/pruhealth-critical-illness-extended-care-iii/", "promo": { "tag": "最新優惠", "note": "多重癌症、心臟病、中風高達 660% 賠償，深層保障", "buy_url": "https://www.prudential.com.hk/tc/products/health/critical-illness/pruhealth-critical-illness-extended-care-iii/" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "critical-illness-sun-life", "category": "critical-illness", "insurer": "Sun Life", "insurer_zh": "永明金融", "product_name": "SunHealth LovePromise 永明危疾家康保", "product_name_zh": "永明危疾家康保（旗艦終身危疾計劃）；另有萬家康卓越保／萬家康尊尚保（188種受保疾病）", "plan_tiers": [ "永明危疾家康保 SunHealth LovePromise（終身）", "萬家康卓越保及萬家康尊尚保（終身，188種受保疾病及38項指定複雜手術，主打ESG）", "萬家康安心保（終身，全面癌症保障、簡易核保）", "危疾護您保障計劃II（Critical Medical Care II，至100歲，51種危疾）", "永明癌症護您保（至100歲）" ], "coverage": [ { "item": "危疾保障（涵蓋64種危疾）", "limit": "現有保障額100%（首10個保單年度內最高150%）；全單疾病總數158種（64危疾＋62早期危疾＋32兒童疾病）", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "早期危疾保障（涵蓋62種）", "limit": "原有保障額25%（部分設每疾病每人終身上限HK$400,000/US$50,000）；不同器官原位癌/早期惡性腫瘤及冠狀動脈介入治療最多各2次", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "心肝寶貝全護保（兒童疾病32種，如嚴重自閉症、智力受損、嚴重肺炎等）", "limit": "最高原有保障額25%或HK$400,000/US$50,000（以較低者為準）", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "三大危疾多重額外保障（癌症、心臟病、中風，保障至85歲）", "limit": "每次賠償原有保障額100%，累積最高700%（癌症300%、心臟病及中風各200%）", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "癌症治療額外保障（至85歲）", "limit": "原有保障額25%，最多6次", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "特定癌症額外保障（白血病、淋巴瘤、腦癌、骨癌，至100歲）", "limit": "原有保障額50%（終身上限HK$400,000/US$50,000）", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "十年全護保障（首10年身故/危疾/安全網守護賠償額外50%）", "limit": "額外50%", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "安全網守護保障：未知疾病/身體損傷需住院進行複雜手術", "limit": "高達現有保障額100%", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "全單總賠償", "limit": "首10年最高達原有保障額1,072.5%，其後最高1,070%", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)" }, { "item": "嚴重危疾 / 嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "早期危疾 / 早期嚴重疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "多重 / 持續賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "持續癌症收入選項", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "深切治療（ICU）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "心臟及中風額外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "未確立為惡性之良性腫瘤切除手術保障", "limit": "若經醫生建議進行手術切除懷疑腫瘤，經組織病理學化驗證實為未確立為惡性之良性腫瘤或良性病變，額外給付原有投保額 5% 至 15%（最高 HK$30,000 至 HK$80,000）", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "如受保人經註冊專科醫生建議並進行手術切除懷疑惡性腫瘤，病理報告證實為良性病變或良性腫瘤，可獲良性腫瘤切除保障額外賠償。", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21" }, { "item": "確診後保費豁免保障", "limit": "當受保人確診嚴重危疾並獲全數保額賠償後，即時豁免往後保單期內所有應繳保費，終身危疾多重保障及延伸利益依然持續生效", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "於嚴重疾病賠償達100%投保額後，本計劃其後所有保費將獲豁免，多重賠償及延伸保障繼續生效。", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21" }, { "item": "直系親屬額外恩恤及親情支援保障", "limit": "若受保人之父母或配偶不幸身故，豁免受保人保單後續保費，或於受保人不幸身故時向直系親屬提供額外身故撫恤恩恤金", "document_name": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "特設親情守護保障，直系親屬或受保人家屬可享額外身故恩恤金或保費豁免支援。", "source_url": "/docs/brochures/sunlife-sunhealth-lovepromise_pb_en.pdf#page=21" } ], "premium_range": "需向顧問報價（官網無公開保費率表）", "premium_available": false, "premium_notes": "分紅終身計劃，設保證現金價值及非保證特別紅利；保費定額但非保證，按保障額、供款期、貨幣、性別、年齡、吸煙狀況及健康狀況釐定；港元/美元；年繳/半年繳/月繳", "key_terms": [ "保障期：終身", "等候期：疾病或症狀須於保單簽發/生效/復保日起計最少90日後首次出現（意外引致除外）", "多重賠償等候期：兩次危疾診斷日期最少相隔1年；癌症復發或持續最少相隔3年", "生存期：危疾護您保障計劃II設14日生存期（兒童疾病、危疾及長期護理狀況）", "保費豁免：危疾/安全網守護/早期危疾賠償致現有保障額清零後，豁免所有日後保費", "父母/配偶身故保費豁免：父母（50歲或以下投保）80歲前身故，豁免子女保單保費至25歲；配偶80歲前身故豁免所有日後保費（身故日須與保單日期相隔最少2年）", "保障升級選項：受保人年滿18歲、結婚、子女出生或直系親屬首次確診危疾時，可免核保增購新危疾保單（最高HK$500,000或原有保障額50%，以較低者為準）", "增值服務：eSun寶一站式健康管理（第二醫療意見、免找數安排）、癌症基因檢測等（非合約保證）", "良性腫瘤切除保障：手術切除未確立為惡性之良性腫瘤或良性病變，額外賠償原有投保額5%-15%", "保費豁免：首次嚴重危疾賠償後即時豁免往後所有保費，保障依然有效", "親情恩恤保障：直系親屬額外恩恤身故賠償，或父母/配偶不幸身故獲保費豁免", "癌症多重賠償：等候期縮短至3年（涵蓋癌症新發、復發、擴散及持續），總賠償額高達300%-1000%", "早期及非嚴重疾病：原位癌、早期惡性腫瘤及微創冠狀動脈介入手術（通波仔）預支20%-25%保額", "兒童及精神健康保障：涵蓋自閉症、ADHD、妥瑞症、嚴重抑鬱症及深切治療部(ICU)住院保障" ], "exclusions": [ "90日等候期內出現病徵之疾病（意外引致除外）", "已存在情況（pre-existing conditions）直接或間接引起之賠償", "自殺或自殘（無論精神是否健全）", "犯罪行為或參與毆鬥", "濫用酒精、藥物、麻醉劑（醫生處方除外）", "HIV/愛滋病及相關疾病（個別受保危疾定義內者除外）", "戰爭、暴動、核輻射", "先天性疾病引致之狀況" ], "source_urls": [ "https://www.sunlife.com.hk/zh-hant/insurance/health/critical-illness/", "https://www.sunlife.com.hk/zh-hant/insurance/health/", "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf", "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/CMC_E.pdf", "https://www.sunlife.com.hk/en/insurance/health/critical-illness/" ], "documents_found": [ "SunHealth LovePromise 永明危疾家康保產品小冊子 PDF", "Critical Medical Care Insurance Plan II 危疾護您保障計劃II 產品小冊子 PDF", "Living Master Benefit / Living Master Extra Benefit 產品小冊子 PDF", "SunWell Essential Care 產品小冊子 PDF", "SunHealth OmniCare 永明危疾齊加保產品小冊子 PDF（3個計劃級別，139種疾病）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "全單涵蓋158種疾病：64種嚴重危疾＋62種早期危疾＋32種兒童疾病；總賠償首10年最高1,072.5%、其後最高1,070%原有保障額", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "1. Maximum Benefit Covers 158 illnesses and ... • 32 Juvenile Illness Conditions • 62 Early Stage Critical Illness Conditions • 64 Major Stage Critical Illness Conditions ... Up to 1072.5% of the Original Sum Assured (first 10 policy years) / Up to 1070% of the Original Sum Assured (From the 11th policy year onwards)", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "coverage", "claim_summary": "三大危疾多重額外保障（癌症、心臟病、中風）：每次賠償原有保障額100%，累積最高700%", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 10, "quote": "100% of the Original Sum Assured for each approved diagnosis of Cancer, Heart Attack or Stroke. ... With a Major 3 Protection Benefit, the maximum total claims limit of these three illnesses under this policy is up to 700%6 of the Original Sum Assured", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "coverage", "claim_summary": "早期危疾賠償為原有保障額25%（部分疾病設每疾病每人終身上限HK$400,000/US$50,000）", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "6. Early Stage Critical Illness Benefit Covers 62 Early Stage Critical Illness Conditions 25% of the Original Sum Assured (For selected illnesses, subject to a maximum per life limit of HKD400,000/USD50,000 for Early Stage Critical Illness Benefit under all policy(ies) issued by Sun Life HK for the same insured, whichever is lower)", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "coverage", "claim_summary": "心肝寶貝全護保：32種兒童疾病，總賠償不高於原有保障額25%或HK$400,000/US$50,000（以較低者為準）", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 21, "quote": "5. Precious All-in-one Juvenile Benefit Covers 32 Juvenile Illness Conditions Total claim amount is not higher than (i) 25% of the Original Sum Assured; or (ii) a maximum per life limit of HKD400,000/USD50,000 for Precious All-in-one Juvenile Benefit under all policy(ies) issued by Sun Life HK for the same insured, whichever is lower", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "key_terms", "claim_summary": "等候期90日（ADHD、輕微自閉症等指定兒童疾病為180日）", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 7, "quote": "• Waiting period: 90 days, except in the cases of ADHD, Less Severe Autism, Language Disorder, Specific Learning Disorder, Stereotypic Movement Disorder and Tourette Syndrome, for which the waiting period will be 180 days.", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "key_terms", "claim_summary": "三大危疾多重保障索償須於確診後存活最少14日", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 12, "quote": "For all claims under Major 3 Protection Benefit, the insured must have survived for a period of at least 14 days from the date of diagnosis of Cancer/Heart Attack/Stroke.", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "key_terms", "claim_summary": "保費豁免：危疾/安全網守護/早期危疾/兒童疾病賠償致現有保障額清零後，豁免所有日後保費", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 7, "quote": "we will waive all future premiums when the Current Sum Assured is reduced to zero after the payment of the Major Stage Critical Illness Benefit, SafetyNet Protector Benefit, Early Stage Critical Illness Benefit and/or Precious All-in-one Juvenile Benefit", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "key_terms", "claim_summary": "父母/配偶身故保費豁免：父母或配偶80歲前身故（身故日須與保單日期等相隔最少2年），子女保單保費豁免至25歲或豁免所有日後保費", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 7, "quote": "We will also waive future premiums of SunHealth LovePromise if the parent or spouse of the insured unfortunately passes away provided the below requirements are met ... The parent passes away before age 80 and the death happens at least two years from a. the policy date ... The future premiums of the basic plan will be waived until the insured is aged 25 / All future premiums of the basic plan will be waived", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "exclusions", "claim_summary": "自殺或自殘、犯罪或參與毆鬥、濫用藥物/酒精（醫生處方除外）、HIV/愛滋病相關疾病、戰爭引致的索償不獲賠償", "document": "SunHealth LovePromise 永明危疾家康保產品小冊子 (SunHealth-LovePromise_PB_EN.pdf，永明官網)", "page": 28, "quote": "We will not pay any claim (other than a claim under the Death Benefit provision) directly or indirectly caused by or resulting from any of the following: 1. the insured’s committing or attempting to commit suicide or self-inflicted injury, while the insured is sane or insane; 2. the insured’s committing or attempting to commit a criminal offence or participating in any brawl; 3. the insured‘s use of narcotics, sedatives, poison, medicine or the insured’s abuse of drugs and/or alcohol, except as prescribed by a Doctor; 4. any human immunodeficiency virus (HIV) and/or any HIV-related illnesses including acquired immune deficiency syndrome (AIDS) ... 5. war (whether declared or undeclared), insurrection, civil war or any warlike operation", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SunHealth-LovePromise_PB_EN.pdf" }, { "claim_field": "exclusions", "claim_summary": "90日等候期內首次出現病徵的疾病（意外引致除外）及已存在或復發狀況不獲賠償（危疾護您保障計劃II條款）", "document": "Critical Medical Care Insurance Plan II 危疾護您保障計劃II 產品小冊子 (CMC_E.pdf，永明官網)", "page": 13, "quote": "1. any Critical Condition, Juvenile Illness, Female Illness, Male Illness, Golden Years Condition or Critical Medical Procedure (excluding those directly caused by or resulting from an accident) of which its signs or symptoms first occur within 90 days after the issue date, effective date or last reinstatement date of the basic plan, whichever is the latest; 2. any pre-existing or recurring Critical Condition, Long Term Care Condition, Juvenile Illness, Female Illness, Male Illness or Golden Years Condition that is diagnosed or that the insured contracted or experienced signs or symptoms, before the issue date, effective date or last reinstatement date of the basic plan/rider benefit, whichever is the latest", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/CMC_E.pdf" }, { "claim_field": "exclusions", "claim_summary": "先天性疾病引致之狀況不獲賠償（危疾護您保障計劃II條款）", "document": "Critical Medical Care Insurance Plan II 危疾護您保障計劃II 產品小冊子 (CMC_E.pdf，永明官網)", "page": 13, "quote": "8. any Critical Condition, Long Term Care Condition, Juvenile Illness, Female Illness, Male Illness or Golden Years Condition arising from congenital conditions;", "url": "https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/CMC_E.pdf" } ], "official_buy_url": "https://www.sunlife.com.hk/zh-hant/insurance/health/critical-illness/", "promo": { "tag": "最新優惠", "note": "受保 188 種疾病，首創父母與子女共享受保額機制", "buy_url": "https://www.sunlife.com.hk/zh-hant/insurance/health/critical-illness/" }, "review_notes": [ "2026-10-02：隔離 6 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "accident-aia", "category": "accident", "insurer": "AIA", "insurer_zh": "友邦保險", "product_name": "Xtra Protect (XP)", "product_name_zh": "超卓越個人保障計劃 / Xtra Protect (XP)", "plan_tiers": [ "單一計劃（只設基本計劃，不可附加）" ], "coverage": [ { "item": "意外身故及斷肢保障（一筆過，按保障表百分比）", "limit": "個人意外保障最高 HK$500,000（小冊子重點；實際按投保額）", "source_url": "/docs/brochures/aia-xtraprotect_ma_en.pdf.coredownload.inline.pdf#page=5", "document_name": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 5, "quote": "Benefits Schedule for Xtra Protect ... 1. Accidental Death & Dismemberment Benefit 500,000" }, { "item": "永久完全傷殘保障", "limit": "由第7個月起每月支付投保額1%，最長100個月", "source_url": "/docs/brochures/aia-xtraprotect_ma_en.pdf.coredownload.inline.pdf#page=5", "document_name": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 5, "quote": "Benefits Schedule for Xtra Protect ... 1. Accidental Death & Dismemberment Benefit 500,000" }, { "item": "意外醫療費用賠償（含住院、手術、跌打、針灸、物理治療、脊醫）", "limit": "意外後52週內合理及慣常費用，每宗意外設上限", "source_url": "/docs/brochures/aia-xtraprotect_ma_en.pdf.coredownload.inline.pdf#page=5", "document_name": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 5, "quote": "Benefits Schedule for Xtra Protect ... 1. Accidental Death & Dismemberment Benefit 500,000" }, { "item": "恩恤身故保障", "limit": "一筆過支付予受益人", "source_url": "/docs/brochures/aia-xtraprotect_ma_en.pdf.coredownload.inline.pdf#page=5", "document_name": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 5, "quote": "Benefits Schedule for Xtra Protect ... 1. Accidental Death & Dismemberment Benefit 500,000" }, { "item": "全球緊急支援服務（緊急醫療撤離及遺體運返）", "limit": "每人終身上限 HK$5,000,000（與友邦所有保單合計）", "source_url": "/docs/brochures/aia-xtraprotect_ma_en.pdf.coredownload.inline.pdf#page=5", "document_name": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 5, "quote": "Benefits Schedule for Xtra Protect ... 1. Accidental Death & Dismemberment Benefit 500,000" }, { "item": "意外身故及永久傷殘", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "跌打 / 中醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "物理治療及脊醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院現金 / 入息保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "收入 / 付款保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "骨折保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "燒傷 / 疤痕 / 毀容", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "個人責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "24小時緊急支援", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 5, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "/docs/brochures/aia-xtraprotect_ma_en.pdf.coredownload.inline.pdf#page=5" } ], "premium_range": "官網未公開具體保費數字（小冊子附保費表圖像；可經 AIA iShop 網上報價）", "premium_available": false, "premium_notes": "投保年齡18–65歲，保障期至76歲；保費按職業類別釐定，職業變更須通知並重新核保；保費每年檢討可調整；無儲蓄成份", "key_terms": [ "只可以基本計劃形式購買", "意外後180日內發生保障表所列損傷方獲賠償", "賠償達投保額100%後保單終止；未達100%則投保額及保費相應調減", "31日保費寬限期；21日冷靜期", "醫療費用須屬「醫療需要」及「合理及慣常收費」", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "戰爭、服役於武裝部隊", "自殺、蓄意自殘、精神錯亂期間受傷", "違法或拒捕", "酒精或非處方藥物影響下發生意外", "懷孕、流產、分娩及其併發症", "疾病及病患、愛滋病/HIV", "以非付費乘客身份乘坐飛機", "職業性質參與運動或藉運動賺取收入", "以職業司機身份於港澳以外駕駛", "警察/懲教人员執勤時遇襲、謀殺、暴亂；消防員執勤時暴亂", "美容/整形手術、非醫療需要治療、例行身體檢查", "17歲前已顯現或確診的先天缺陷", "牙科治療（意外損傷健全天然牙齒除外）" ], "source_urls": [ "https://www.aia.com.hk/en/products/health/xtra-protect", "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" ], "documents_found": [ "AIA 官網產品頁：Xtra Protect（意外身故及斷肢、永久完全傷殘、意外醫療、恩恤身故、全球緊急支援）", "產品小冊子 PDF（官方 aia.com.hk 託管，澳門版 TA00047M，產品特點與香港版一致）：含保障表、保費表、主要不保事項" ], "citations": [ { "claim_field": "coverage", "claim_summary": "意外身故及斷肢保障最高 HK$500,000（計劃1投保額）", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 5, "quote": "Benefits Schedule for Xtra Protect ... 1. Accidental Death & Dismemberment Benefit 500,000", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "永久完全傷殘由第7個月起每月支付投保額1%，最長100個月", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 3, "quote": "the insured will receive a monthly payment equal to 1% of the sum assured beginning from the 7th month and continuing up to 100 months (while disability continues).", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "意外醫療費用賠償涵蓋意外後52週內合理及慣常費用，每宗意外設上限", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 4, "quote": "If the insured is injured in an accident, we will reimburse the reasonable and customary medical expenses incurred within 52 weeks from the date of an accident, up to the maximum limit per accident for the insured.", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "coverage", "claim_summary": "全球緊急支援：緊急醫療撤離及遺體運返每人終身上限 HK$5,000,000（與友邦所有保單合計）", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 4, "quote": "emergency medical evacuation and repatriation of remains, with per life limit up to HK$/MOP5,000,000 (under all policies held with us and AIA Company Limited covering the same insured)", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "意外後180日內發生保障表所列損傷方獲賠償", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 3, "quote": "If the insured ... sustains any of the injuries listed in the Benefit Schedule for the Accidental Death & Dismemberment Benefit occurs within 180 consecutive days from the date of the accident, we will pay a lump-sum benefit according to the Benefit Schedule", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "premium_notes", "claim_summary": "保費按職業類別釐定，職業變更須通知並重新核保", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 9, "quote": "We issue the policy and decide your premium based on the insured’s occupation class. You must immediately notify us of any change to the insured’s occupation, employment, duties and other pursuits once the policy becomes effective; following which, we will recalculate your premium and / or purchasable amount of benefits based on the new occupation class", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "key_terms", "claim_summary": "31日保費寬限期，逾期未繳保單終止", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 9, "quote": "If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and the insured will lose the cover.", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "exclusions", "claim_summary": "不保事項：自殺、蓄意自殘、精神錯亂期間受傷", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 9, "quote": "suicide or attempted suicide or self-inflicted injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or is sustained whilst the insured is in a state of insanity;", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "exclusions", "claim_summary": "不保事項：疾病及病患、愛滋病/HIV", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 10, "quote": "any kind of disease and illness; • Acquired Immunodeficiency Syndrome (AIDS) or any complications associated with infection by any Human Immunodeficiency Virus (HIV);", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" }, { "claim_field": "exclusions", "claim_summary": "不保事項：酒精或非處方藥物影響下發生意外", "document": "AIA Xtra Protect 產品小冊子（XtraProtect_ma_en.pdf）", "page": 9, "quote": "accident occurring while or because the insured is under the influence of alcohol or any non-prescribed drug;", "url": "https://www.aia.com.hk/content/dam/hk/en/pdf/product-brochure/individuals/xtraprotect/XtraProtect_ma_en.pdf.coredownload.inline.pdf" } ], "official_buy_url": "https://www.aia.com.hk/zh-hk/products/health/xtra-protect", "promo": { "tag": "最新優惠", "note": "AIA Xtra Protect，特設雙倍意外傷殘賠償及物理治療補貼", "buy_url": "https://www.aia.com.hk/zh-hk/products/health/xtra-protect" }, "review_notes": [ "2026-10-02：隔離 10 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "accident-axa", "category": "accident", "insurer": "AXA", "insurer_zh": "安盛", "product_name": "SmartProtect Plus", "product_name_zh": "「卓越」豐盛守護樂", "plan_tiers": [ "Lite Plan（個人保障）", "Basic Plan（個人保障）", "Basic Plan（共享保障，全港首創共享保額）" ], "coverage": [ { "item": "意外身故及傷殘（個人意外）", "limit": "最高 HK$600,000（共享保障含 HK$100,000 昏迷保障）", "source_url": "https://www.axa.com.hk/en/smart-protect-plus", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "Annual Premium (for a family of 2 adults and 2 kids) ... HKD1,460 Most economical As low as HKD1 per person per day ... HKD4,006.80 ... HKD2,730 Save over 30% on premiums compared to Individual Coverage of the same plan" }, { "item": "意外醫療費用（只限 Basic Plan）", "limit": "每宗意外最高 HK$10,000", "source_url": "https://www.axa.com.hk/en/smart-protect-plus", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "Generous Coverage of Medical Expenses (Basic Plan only) You’ll be able to claim medical expenses up to HKD10,000 per accident should one knock on your door." }, { "item": "個人責任（只限 Basic Plan）", "limit": "最高 HK$600,000", "source_url": "https://www.axa.com.hk/en/smart-protect-plus", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "Personal Liability ... N/A ... Max. HKD600,000" }, { "item": "自選：收入或付款保障", "limit": "自選附加", "source_url": "https://www.axa.com.hk/en/smart-protect-plus", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "Annual Premium (for a family of 2 adults and 2 kids) ... HKD1,460 Most economical As low as HKD1 per person per day ... HKD4,006.80 ... HKD2,730 Save over 30% on premiums compared to Individual Coverage of the same plan" }, { "item": "自選：運動保障（運動服裝及器材損毀；醫療費用只受每宗上限約束）", "limit": "自選附加", "source_url": "https://www.axa.com.hk/en/smart-protect-plus", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "Annual Premium (for a family of 2 adults and 2 kids) ... HKD1,460 Most economical As low as HKD1 per person per day ... HKD4,006.80 ... HKD2,730 Save over 30% on premiums compared to Individual Coverage of the same plan" }, { "item": "骨折（長者）、每日住院現金及家中看護津貼（兒童及長者雙倍）、復康器具、轉工津貼（成人）", "limit": "Basic Plan 個人保障附加利益", "source_url": "https://www.axa.com.hk/en/smart-protect-plus", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "Annual Premium (for a family of 2 adults and 2 kids) ... HKD1,460 Most economical As low as HKD1 per person per day ... HKD4,006.80 ... HKD2,730 Save over 30% on premiums compared to Individual Coverage of the same plan" }, { "item": "年假補償、受保人受虐保障（兒童及長者）", "limit": "共享保障附加利益", "source_url": "https://www.axa.com.hk/en/smart-protect-plus", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "Annual Premium (for a family of 2 adults and 2 kids) ... HKD1,460 Most economical As low as HKD1 per person per day ... HKD4,006.80 ... HKD2,730 Save over 30% on premiums compared to Individual Coverage of the same plan" }, { "item": "即時現金援助、全球住院按金保證、24小時 AXA 支援熱線", "limit": "所有計劃", "source_url": "https://www.axa.com.hk/en/smart-protect-plus", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "Annual Premium (for a family of 2 adults and 2 kids) ... HKD1,460 Most economical As low as HKD1 per person per day ... HKD4,006.80 ... HKD2,730 Save over 30% on premiums compared to Individual Coverage of the same plan" }, { "item": "意外身故及永久傷殘", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "跌打 / 中醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "物理治療及脊醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院現金 / 入息保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "收入 / 付款保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "骨折保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "AXA 官網產品頁：SmartProtect Plus（axa.com.hk/en/smart-protect-plus）", "page": null, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "https://www.axa.com.hk/en/smart-protect-plus" } ], "premium_range": "HK$1,460–HK$4,006.80/年（官網示例：2成人+2小童家庭；Lite 個人 HK$1,460、Basic 個人 HK$4,006.80、Basic 共享 HK$2,730）", "premium_available": true, "premium_notes": "低至每日 HK$1起；網上投保9折；個人保障2–4名受保人額外9折、5名或以上85折；共享保障只需付1名小童保費；承保6個月至80歲，一經批核可終身續保；共享保障2–10人（最多4名長者）", "key_terms": [ "一份保單保障三代（6個月嬰兒至80歲）", "共享保額為全港首創，多人同時索償按共享上限攤分", "可網上即時報價及投保", "個案示例：Basic 個人保障加兩項自選，4人家庭年繳 HK$8,407.80（含推廣折扣）", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "自殺或蓄意自傷", "疾病、投保前已存在的身心缺陷", "非必要醫療或手術、以美容為目的的整容手術", "性病、精神錯亂、愛滋病、懷孕或分娩", "受藥物或酒精影響下的行為", "警務、消防或軍事職務", "罷工、暴亂、內亂（被動風險除外）、戰爭、核武器或輻射", "任何非法行為", "以非付費乘客身份乘搭飛機", "以職業身份參與運動或從運動賺取報酬", "任何速度競賽或賽車（徒步除外）" ], "source_urls": [ "https://www.axa.com.hk/zh/smartprotect-plus", "https://www.axa.com.hk/en/accident-disability-protection" ], "documents_found": [ "AXA 官網產品頁 SmartProtect Plus（計劃比較表、保費示例、主要不保事項、FAQ）", "AXA 意外及傷殘保障分類頁（SmartProtect Plus 及傷殘入息保障）", "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "官網示例年繳保費：Lite 個人 HK$1,460、Basic 個人 HK$4,006.80、Basic 共享 HK$2,730（2成人+2小童家庭）", "document": "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁", "page": null, "quote": "Annual Premium (for a family of 2 adults and 2 kids) ... HKD1,460 Most economical As low as HKD1 per person per day ... HKD4,006.80 ... HKD2,730 Save over 30% on premiums compared to Individual Coverage of the same plan", "url": "https://www.axa.com.hk/zh/smartprotect-plus" }, { "claim_field": "coverage", "claim_summary": "個人意外（意外身故及傷殘）最高 HK$600,000；共享保障含 HK$100,000 昏迷保障", "document": "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁", "page": null, "quote": "Personal Accident ... Max. HKD600,000 per insured person, excluding Coma Protection ... Max. HKD600,000, including HKD100,000 for Coma Protection", "url": "https://www.axa.com.hk/zh/smartprotect-plus" }, { "claim_field": "coverage", "claim_summary": "意外醫療費用（只限 Basic Plan）每宗意外最高 HK$10,000", "document": "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁", "page": null, "quote": "Generous Coverage of Medical Expenses (Basic Plan only) You’ll be able to claim medical expenses up to HKD10,000 per accident should one knock on your door.", "url": "https://www.axa.com.hk/zh/smartprotect-plus" }, { "claim_field": "coverage", "claim_summary": "個人責任（只限 Basic Plan）最高 HK$600,000", "document": "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁", "page": null, "quote": "Personal Liability ... N/A ... Max. HKD600,000", "url": "https://www.axa.com.hk/zh/smartprotect-plus" }, { "claim_field": "key_terms", "claim_summary": "一份保單保障三代（6個月嬰兒至80歲）", "document": "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁", "page": null, "quote": "Smart Protect Plus offers coverage for all 3 family generations, from 6-month-old babies to 80-year-old in-laws.", "url": "https://www.axa.com.hk/zh/smartprotect-plus" }, { "claim_field": "key_terms", "claim_summary": "共享保額為全港首創", "document": "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁", "page": null, "quote": "You can opt to share the sum insured amount with the whole family, first in Hong Kong, or go for the individual coverage option so each family member is covered by a standalone sum insured", "url": "https://www.axa.com.hk/zh/smartprotect-plus" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：自殺或蓄意自傷、疾病、投保前已存在的身心缺陷等", "document": "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁", "page": null, "quote": "Major Exclusions Any injury or death due to suicide or intentional self-injury; sickness, disease, pre-existing physical or mental defect; unnecessary medical or surgical treatment; cosmetic surgery for the purpose of beautification; venereal diseases or insanity, AIDS, pregnancy or childbirth; acts committed under the influence of drugs or alcohol;", "url": "https://www.axa.com.hk/zh/smartprotect-plus" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：警務/消防/軍事職務、暴亂戰爭核輻射、非法行為、非付費乘客乘機、職業運動、速度競賽", "document": "AXA 安盛「SmartProtect Plus」官方產品小冊子及最新產品頁", "page": null, "quote": "duties as part of police, fire services or military; strike, riot, civil commotion (except passive risks), war, nuclear weapons or radioactivity; any unlawful acts; flying other than as a fare-paying passenger; participating in sports in a professional capacity or would earn remuneration from such sports; participating in any kind of speed contest or racing (other than on foot). (Please refer to Policy Wording for full details of all exclusions)", "url": "https://www.axa.com.hk/zh/smartprotect-plus" } ], "official_buy_url": "https://www.axa.com.hk/zh/smartprotect-plus", "promo": { "tag": "最新優惠", "note": "全球 24 小時意外醫療、骨折津貼及無索償續保折扣", "buy_url": "https://www.axa.com.hk/zh/smartprotect-plus" }, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "accident-boc-group-insurance", "category": "accident", "insurer": "BOC Group Insurance", "insurer_zh": "中銀集團保險", "product_name": "Personal Accident Comprehensive Protection Plan", "product_name_zh": "人身意外綜合保障計劃", "plan_tiers": [ "計劃1", "計劃2", "計劃3（只限職業類別1）", "職業類別2：計劃1或2（最高賠償額減至50%）" ], "coverage": [ { "item": "人身意外（意外身亡/永久完全傷殘/喪失雙肢/雙目失明/喪失一肢或一目/嚴重燒傷；雙耳失聰75%、喪失語言能力50%）", "limit": "職業類別1：HK$500,000 / 1,000,000 / 2,000,000（每名子女100,000/200,000/400,000）；職業類別2：HK$250,000 / 500,000", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510" }, { "item": "意外身亡或永久完全傷殘雙倍賠償（乘搭公共交通工具、私家車意外或山泥傾瀉；不適用於70歲以上及子女）", "limit": "HK$1,000,000 / 2,000,000 / 4,000,000（類別2：500,000 / 1,000,000）", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510" }, { "item": "身亡撫恤金（不適用於子女）", "limit": "HK$20,000 / 40,000 / 80,000（類別2：10,000 / 20,000）", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510" }, { "item": "信用卡欠款結餘保障（不適用於子女）", "limit": "HK$10,000 / 20,000 / 40,000（類別2：5,000 / 10,000）", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510" }, { "item": "醫療費用（每宗事故；含專科、脊醫、物理治療，須註冊醫生轉介）", "limit": "HK$12,000 / 25,000 / 50,000（子女6,000/12,500/25,000；類別2：6,000 / 12,500）", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=3", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 3, "quote": "E. 醫療費用 12,000 25,000 50,000 ... • 因意外引致受傷而需繳付的醫療費用(包括專科醫生、脊醫、物理治療費用，但必須由註冊醫生轉介)(以每宗事故計算)" }, { "item": "延伸中醫、跌打費用（每日最高 HK$150）", "limit": "HK$1,000 / 1,500 / 2,000（類別2：500 / 750）", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510" }, { "item": "家庭看護費津貼（出院後家中護理，每年最高31日）", "limit": "每日 HK$200 / 300 / 400（子女每日100/150/200；類別2：100 / 150）", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510" }, { "item": "24小時緊急支援：緊急醫療撤離（不設限額）、遺體運返 HK$100,000、親屬探望 HK$60,000、入院按金擔保 HK$50,000", "limit": "適用", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510" }, { "item": "受保子女校內實驗室化學品、氣體洩漏及食物中毒延伸保障", "limit": "適用", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510" }, { "item": "意外身故及永久傷殘", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "跌打 / 中醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "物理治療及脊醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院現金 / 入息保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4" }, { "item": "骨折及脫臼專項津貼", "limit": "因意外引致骨折或關節脫臼，按骨折部位（如盆骨、大腿骨、前臂、肋骨）發放額外專項現金津貼 HK$2,000 至 HK$30,000", "document_name": "中銀集團保險「人身意外綜合保障計劃」官方單張（PACompChi.pdf）", "page": 4, "quote": "因意外引致身體骨骼完全或不完全骨折或關節脫臼，可獲發放骨折專項現金補助金。", "source_url": "/docs/brochures/bocgins-pacompchi.pdf#page=4" } ], "premium_range": "HK$750–HK$5,800/年（投保人：計劃1 HK$750、計劃2 HK$1,500、計劃3 HK$2,700；家庭：HK$1,670 / 3,280 / 5,800；月繳 HK$65–510）", "premium_available": true, "premium_notes": "投保人及配偶 HK$1,380/2,700/4,860；投保人及子女 HK$980/1,960/3,400；無索償續保折扣：首年10%遞增至第五年起30%（持有其他公司人身意外保單之無索償折扣可轉移，最高30%）；中途退保最低收費 HK$500；年內索償則收取全年保費作最低保費", "key_terms": [ "成年受保人18–65歲（續保至75歲）；子女3–17歲或23歲以下全日制學生；須為持香港身份證的香港居民", "只承保職業類別1及2；其他職業類別或無業人士須個別核保", "70歲以上受保人最高賠償額為計劃的50%（緊急支援除外）", "所有家庭成員可保於一張保單，受保子女數目不限", "即時批核及15日保單審閱期；自動續保", "由中銀香港及集友銀行作委任保險代理分銷", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "非承保職業類別", "受保前已存在的疾病、身體殘缺", "自殺、懷孕、愛滋病", "戰爭、暴亂、恐怖主義活動", "職業性競技", "酗酒、濫用藥物", "從事警務、消防或軍事工作", "參與非法活動", "飛行活動（作為旅客乘搭持牌客運飛機除外）", "各項危險活動或運動項目、職業運動" ], "source_urls": [ "https://www.bochk.com/tc/insurance/medical/accident.html", "https://www.bochk.com/tc/insurance/medical/accident.html", "https://www.bochk.com/dam/insurance/coverage_tc.pdf" ], "documents_found": [ "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "中銀香港產品頁（bochk.com 保險分銷頁）及大灣區版本保障表 coverage_tc.pdf" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "年繳保費：投保人 HK$750/1,500/2,700；家庭 HK$1,670/3,280/5,800；月繳 HK$65–510", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 4, "quote": "保費（港幣） 年繳 月繳 ... 計劃1 計劃2 計劃3 計劃1 計劃2 計劃3 ... 投保人 750 1,500 2,700 65 130 235 ... 家庭 1,670 3,280 5,800 145 285 510", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "premium_notes", "claim_summary": "投保人及配偶 HK$1,380/2,700/4,860；投保人及子女 HK$980/1,960/3,400", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 4, "quote": "投保人及配偶 1,380 2,700 4,860 120 235 420 投保人及子女 980 1,960 3,400 90 170 310", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "premium_notes", "claim_summary": "無索償續保折扣：首年10%遞增至第五年起30%", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 2, "quote": "凡於保障期內無申請任何索償，客戶於續保時，可享高達30%「無索償續保保費折扣」優惠 - 首年度續保：10%保費折扣 - 連續第二年續保：15%保費折扣 ... - 連續第五年或以上續保：30%保費折扣", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "coverage", "claim_summary": "人身意外（意外身亡/永久完全傷殘等）：類別1 HK$500,000/1,000,000/2,000,000；類別2 HK$250,000/500,000", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 3, "quote": "A. 人身意外 • 因意外導致身亡/永久完全傷殘/永久完全喪失雙肢/永久完全雙目失明/永久完全喪失一肢或一目失明/嚴重燒傷(賠償按燒傷面積計算) 500,000 1,000,000 2,000,000 250,000 500,000", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "coverage", "claim_summary": "意外身亡或永久完全傷殘雙倍賠償（乘搭公共交通工具、私家車意外或山泥傾瀉）：HK$1,000,000/2,000,000/4,000,000", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 3, "quote": "B. 意外身亡或永久完全傷殘雙倍賠償 • 因乘搭公共交通工具或私家車或山泥傾瀉而引致的意外身亡或永久完全傷殘(此保障不適用於70歲以上的受保人及其子女) 1,000,000 2,000,000 4,000,000 500,000 1,000,000", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "coverage", "claim_summary": "身亡撫恤金：HK$20,000/40,000/80,000（不適用於子女）", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 3, "quote": "C. 身亡撫恤金 • 受保人因意外身亡，其受益人可獲一次性撫恤金(此保障不適用於子女) 20,000 40,000 80,000 10,000 20,000", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "coverage", "claim_summary": "醫療費用（每宗事故；含專科、脊醫、物理治療，須註冊醫生轉介）：HK$12,000/25,000/50,000", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 3, "quote": "E. 醫療費用 12,000 25,000 50,000 ... • 因意外引致受傷而需繳付的醫療費用(包括專科醫生、脊醫、物理治療費用，但必須由註冊醫生轉介)(以每宗事故計算)", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "key_terms", "claim_summary": "只承保職業類別1及2；類別2只可選計劃1或2且大部份保障最高賠償額減至50%", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 2, "quote": "投保人及受保配偶必須為從事職業類別1或2之人士，投保人可按其職業類別選擇不同計劃 ... 職業類別2 技術性或半技術性、但毋須使用重型或危險性機械的人士: 計劃1或2 (保障範圍及保費與職業類別1人士相同，唯大部份保障項目的最高賠償額減少至50%)", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "key_terms", "claim_summary": "成年受保人18–65歲（續保至75歲）；子女3–17歲或23歲以下全日制學生；須持香港身份證", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 2, "quote": "成年受保人必須介乎18至65歲(續保可至75歲)。受保子女須為3至17歲，或23歲或以下的全日制學生。所有受保人必須為居於香港並擁有有效香港身份證的合法居民。", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "key_terms", "claim_summary": "70歲以上受保人最高賠償額為計劃的50%（緊急支援除外）；計劃3只適用於職業類別1", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 3, "quote": "5. 最高賠償額：70 歲以上受保人的最高賠償額為相關計劃的 50% (保障項目G除外)。 6. 計劃 3 只適用於職業類別 1 的受保人士。", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "exclusions", "claim_summary": "主要不承保事項：非承保職業類別、受保前已存在疾病/身體殘缺、自殺、懷孕、愛滋病", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 4, "quote": "主要不承保事項 ... 受保人的職業類別不在本計劃的承保範圍之內，在受保前已存在的疾病、身體殘缺、自殺、懷孕、愛滋病；", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" }, { "claim_field": "exclusions", "claim_summary": "主要不承保事項：戰爭暴亂恐怖主義、職業性競技、酗酒濫用藥物、警務消防軍事、非法活動、飛行活動、危險活動或職業運動", "document": "中銀集團保險「人身意外綜合保障計劃」官方投保書及中銀香港官方分銷專頁", "page": 4, "quote": "戰爭、暴亂、恐怖主義活動；職業性競技；酗酒、濫用藥物；從事警務、消防或軍事工作、參與非法活動、飛行活動(但作為旅客乘搭持牌的客運飛機不在此限)、各項危險活動或運動項目或職業運動亦不在本計劃的承保範圍之內。", "url": "https://www.bochk.com/tc/insurance/medical/accident.html" } ], "official_buy_url": "https://www.bocgins.com/index.html?target=accident", "promo": { "tag": "最新優惠", "note": "中銀客戶專屬優惠，兼備乘搭公共交通工具雙倍賠償", "buy_url": "https://www.bocgins.com/index.html?target=accident" }, "review_notes": [ "2026-10-02：隔離 6 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "accident-blue-cross", "category": "accident", "insurer": "Blue Cross", "insurer_zh": "藍十字", "product_name": "Personal Accident Insurance", "product_name_zh": "個人意外保險（360°保障系列）", "plan_tiers": [ "計劃1", "計劃2", "計劃3", "計劃4" ], "coverage": [ { "item": "意外身故及永久傷殘", "limit": "計劃1 HK$500,000 / 計劃2 HK$1,000,000 / 計劃3 HK$1,500,000 / 計劃4 HK$2,000,000", "source_url": "/docs/brochures/ap-personal_accident_leaflet_chi.pdf#page=1", "document_name": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 1, "quote": "1. 意外身故及永久傷殘 500,000 1,000,000 1,500,000 2,000,000" }, { "item": "雙倍賠償（以付費乘客身份乘搭持牌公共交通工具意外身故之額外保障）", "limit": "HK$500,000 / 1,000,000 / 1,500,000 / 2,000,000（即合計最高 HK$4,000,000）", "source_url": "/docs/brochures/ap-personal_accident_leaflet_chi.pdf#page=2", "document_name": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 2, "quote": "年繳保費（HK$） 保費類別 計劃1 計劃2 計劃3 計劃4 個人 576 1,056 1,536 2,016" }, { "item": "每天住院入息保障（每年最長180天）", "limit": "每天 HK$300 / 500 / 700 / 900", "source_url": "/docs/brochures/ap-personal_accident_leaflet_chi.pdf#page=1", "document_name": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 1, "quote": "每天住院入息保障每天高達 HK$900 萬一不幸因意外受傷而入院，於住院期間每天可獲高達HK$900的現金津貼，以彌補因暫時失去工作能力而蒙受收入上的損失。" }, { "item": "意外醫療費用", "limit": "HK$6,000 / 12,000 / 15,000 / 18,000", "source_url": "/docs/brochures/ap-personal_accident_leaflet_chi.pdf#page=2", "document_name": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 2, "quote": "4. 意外醫療費用 6,000 12,000 15,000 18,000" }, { "item": "中醫跌打師/針灸師治療費用（每天每次診症最高 HK$100）", "limit": "每年 HK$300 / 500 / 700 / 900", "source_url": "/docs/brochures/ap-personal_accident_leaflet_chi.pdf#page=2", "document_name": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 2, "quote": "5. 中醫跌打師/針灸師治療費用（每天每次診症最高$100） 每年 300 每年 500 每年 700 每年 900" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "跌打 / 中醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "物理治療及脊醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院現金 / 入息保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "收入 / 付款保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "骨折保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "燒傷 / 疤痕 / 毀容", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "個人責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "24小時緊急支援", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "救護車及急症室費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 1, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "/docs/brochures/ap-personal_accident_leaflet_chi.pdf#page=1" } ], "premium_range": "HK$576–HK$2,016/年（個人：計劃1 HK$576、計劃2 HK$1,056、計劃3 HK$1,536、計劃4 HK$2,016）", "premium_available": true, "premium_notes": "夫婦同時投保9折：計劃2 HK$1,896、計劃3 HK$2,760、計劃4 HK$3,636；子女每名 HK$480（只限計劃1，同時投保2名或以上子女第2名免費）；保費例子：夫婦+3名子女計劃4 HK$4,596/年；至醒會會員淨保費HK$1=1積分；另設保費9折優惠", "key_terms": [ "受保年齡18–65歲（子女除外），可續保至70歲", "子女：2–18歲或19–23歲未婚全日制學生，必須與父母一同投保且只可投保計劃1", "投保人必須年滿18歲並同時為受保人", "全球意外保障", "即時網上投保", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "官網單張未逐項列出；詳盡條款及所有不保事項以保單為準（官網提供「條款及細則」文件下載）", "核保問題涵蓋：身體缺陷/視聽覺受損/精神疾病、過去3年同類保險索償紀錄、曾被拒保或附加特別條款" ], "source_urls": [ "https://www.bluecross.com.hk/ch/Personal-Accident-Insurance/Information", "https://www.bluecross.com.hk/ch/Personal-Accident-Insurance/Application", "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" ], "documents_found": [ "官網產品頁：個人意外保險（計劃特點、保障詳情、最新優惠）", "產品單張 PDF：Personal_Accident_Leaflet_Chi.pdf（4計劃保障表及年繳保費表）", "網上即時投保頁（核保問題及受保人年齡限制）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "個人年繳保費：計劃1 HK$576、計劃2 HK$1,056、計劃3 HK$1,536、計劃4 HK$2,016", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 2, "quote": "年繳保費（HK$） 保費類別 計劃1 計劃2 計劃3 計劃4 個人 576 1,056 1,536 2,016", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "premium_notes", "claim_summary": "夫婦同時投保9折（計劃2 HK$1,896、計劃3 HK$2,760、計劃4 HK$3,636）；子女每名 HK$480，同時投保2名或以上子女第2名免費", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 2, "quote": "夫婦（9折） 不適用 1,896 2,760 3,636 子女 每名子女480（同時投保2名或以上子女：第2名子女免費） （子女只可投保計劃1）", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "意外身故及永久傷殘：計劃1 HK$500,000 至計劃4 HK$2,000,000", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 1, "quote": "1. 意外身故及永久傷殘 500,000 1,000,000 1,500,000 2,000,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "雙倍賠償：以付費乘客身份乘搭持牌公共交通工具意外身故，賠償額可高達 HK$4,000,000", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 1, "quote": "如以付費乘客身份乘搭持牌運載乘客的公共交通工具時不幸意外身故，可獲得雙倍賠償，賠償額可高達HK$4,000,000。", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "每天住院入息保障（每年最長180天）：每天 HK$300/500/700/900", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 1, "quote": "每天住院入息保障每天高達 HK$900 萬一不幸因意外受傷而入院，於住院期間每天可獲高達HK$900的現金津貼，以彌補因暫時失去工作能力而蒙受收入上的損失。", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "意外醫療費用：HK$6,000/12,000/15,000/18,000", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 2, "quote": "4. 意外醫療費用 6,000 12,000 15,000 18,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "coverage", "claim_summary": "中醫跌打師/針灸師治療費用（每天每次診症最高 HK$100）：每年 HK$300/500/700/900", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 2, "quote": "5. 中醫跌打師/針灸師治療費用（每天每次診症最高$100） 每年 300 每年 500 每年 700 每年 900", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "key_terms", "claim_summary": "受保年齡18–65歲（子女除外），可續保至70歲", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 3, "quote": "受保年齡介乎18歲至65歲（子女除外），保障可續保至70歲。", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "key_terms", "claim_summary": "子女：2–18歲或19–23歲未婚全日制學生，必須與父母一同投保且只可投保計劃1", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 3, "quote": "子女必須為2-18歲或19-23歲未婚之全日制學生。 ... 子女必須與父母一同投保及只可以投保計劃1。", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "exclusions", "claim_summary": "單張未逐項列出不保事項，詳盡條款及所有不保事項以保單為準", "document": "藍十字「個人意外保險」產品單張（Personal_Accident_Leaflet_Chi.pdf）", "page": 3, "quote": "此單張只供參考之用，中英文版本如有差異，以英文版本為準。有關詳盡條款及細則及所有不保之事項，概以保單為準。", "url": "https://ap.bluecross.com.hk/shared/leaflets/Personal_Accident_Leaflet_Chi.pdf" }, { "claim_field": "exclusions", "claim_summary": "網上投保核保問題：身體缺陷/視聽覺受損/精神疾病、過去3年同類保險索償、曾被拒保或附加特別條款", "document": "藍十字官網「個人意外保險」網上即時投保申請頁（bluecross.com.hk/ch/Personal-Accident-Insurance/Application）", "page": null, "quote": "1. 任何受保人曾否有身體缺陷，視力或聽覺受損，或任何精神疾病？ 是 否 2. 任何受保人曾否在過去3年內索取同類型保險賠償？ 是 否 3. 任何受保人於申請意外或旅遊保險時曾否被拒投保、拒絕續保，或續保時被附加特別條款？ 是 否", "url": "https://www.bluecross.com.hk/ch/Personal-Accident-Insurance/Application" } ], "original_price": 576, "discounted_price": 518, "official_buy_url": "https://www.bluecross.com.hk/ch/Personal-Accident-Insurance/Application", "promo": { "tag": "網上會員 9 折", "discount": "10% OFF", "note": "會員投保 9 折；公共交通意外雙倍賠償高達 HK$4,000,000，住院現金每日 HK$900", "original_price": 576, "discounted_price": 518, "buy_url": "https://www.bluecross.com.hk/ch/Personal-Accident-Insurance/Application" }, "review_notes": [ "2026-10-02：隔離 10 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "accident-chubb", "category": "accident", "insurer": "Chubb", "insurer_zh": "安達保險", "product_name": "Personal Accident Benefit (PAADD)", "product_name_zh": "個人意外保障", "plan_tiers": [ "基本保障：意外身故及斷肢", "自選保障：每週意外入息", "自選保障：醫療保障" ], "coverage": [ { "item": "意外身故及斷肢（按保障表百分比，65歲前額外賠償）", "limit": "投保額最低 HK$195,000 / US$25,000（上限按所附基本計劃投保額比例釐定）；單次意外合計上限100%投保額", "source_url": "/docs/brochures/chubb-p22_paadd_personal_accident_en_0720.pdf#page=7", "document_name": "Chubb 安達個人意外保險官方條款及保障表 (現行有效版)", "page": 7, "quote": "Product Type This product is a rider and must be attached to our basic plan." }, { "item": "雙倍賠償（付費乘客乘公共交通/定期航班、升降機內、公眾建築物火警）", "limit": "額外100%", "source_url": "/docs/brochures/chubb-p22_paadd_personal_accident_en_0720.pdf#page=7", "document_name": "Chubb 安達個人意外保險官方條款及保障表 (現行有效版)", "page": 7, "quote": "Product Type This product is a rider and must be attached to our basic plan." }, { "item": "女性受保人面部毀容", "limit": "雙倍賠償", "source_url": "/docs/brochures/chubb-p22_paadd_personal_accident_en_0720.pdf#page=7", "document_name": "Chubb 安達個人意外保險官方條款及保障表 (現行有效版)", "page": 7, "quote": "Product Type This product is a rider and must be attached to our basic plan." }, { "item": "每週意外入息（自選）：完全暫時傷殘每週賠償、局部暫時傷殘50%", "limit": "每週最低 HK$390 / US$50，最長104週", "source_url": "/docs/brochures/chubb-p22_paadd_personal_accident_en_0720.pdf#page=7", "document_name": "Chubb 安達個人意外保險官方條款及保障表 (現行有效版)", "page": 7, "quote": "Product Type This product is a rider and must be attached to our basic plan." }, { "item": "醫療保障（自選）：意外後12個月內實際醫療費用", "limit": "每宗意外最低 HK$10,000 / US$1,250", "source_url": "/docs/brochures/chubb-p22_paadd_personal_accident_en_0720.pdf#page=7", "document_name": "Chubb 安達個人意外保險官方條款及保障表 (現行有效版)", "page": 7, "quote": "Product Type This product is a rider and must be attached to our basic plan." }, { "item": "跌打治療（含於醫療保障）", "limit": "每保單年度 HK$1,500；每宗意外：無骨折 HK$500／有骨折 HK$1,000", "source_url": "/docs/brochures/chubb-p22_paadd_personal_accident_en_0720.pdf#page=7", "document_name": "Chubb 安達個人意外保險官方條款及保障表 (現行有效版)", "page": 7, "quote": "Product Type This product is a rider and must be attached to our basic plan." }, { "item": "24小時全球保障及全球緊急支援服務", "limit": "適用", "source_url": "/docs/brochures/chubb-p22_paadd_personal_accident_en_0720.pdf#page=7", "document_name": "Chubb 安達個人意外保險官方條款及保障表 (現行有效版)", "page": 7, "quote": "Product Type This product is a rider and must be attached to our basic plan." }, { "item": "意外身故及永久傷殘", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "跌打 / 中醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "物理治療及脊醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院現金 / 入息保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "收入 / 付款保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "骨折保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "Chubb 安達個人意外保險官方條款及保障表 (現行有效版)", "page": 7, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "/docs/brochures/chubb-p22_paadd_personal_accident_en_0720.pdf#page=7" } ], "premium_range": "官網未公開保費表（須經安達人壽顧問按現行費率提供利益說明）", "premium_available": false, "premium_notes": "投保年齡16–60歲，保障至65歲；附加於基本計劃的附加保障（rider）；保費率非保證但不因年齡增長而上調；港元/美元；月繳/季繳/半年/年繳", "key_terms": [ "此產品為附加保障，必須附加於安達人壽基本計劃", "意外後12個月內身故或斷肢且意外為直接及獨立原因方獲賠償", "永久傷殘定義：持續6個月且經註冊醫生證明終身無望好轉", "31日取消通知期，取消時退還未滿期保費", "醫療保障與其他醫療保險重疊時只賠差額", "21日冷靜期", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "自殺或蓄意自傷（無論神志是否正常）", "非處方藥物、酒精或麻醉劑影響", "吸入氣體或煙霧中毒（火警除外）", "戰爭、入侵、內戰、革命或類戰爭行動", "參與刑事行為", "意外前已存在的身體缺陷或衰弱", "懷孕、分娩、流產或墮胎", "細菌感染（意外傷口化膿感染除外）", "非付費乘客身份乘搭飛行器", "職業運動或危險活動：潛水、任何競賽、使用呼吸器的水底活動、武術、登山、跳傘、笨豬跳", "核燃料或核污染的輻射、爆炸或危害" ], "source_urls": [ "https://www.chubb.com/hk-en/personal/personal-accident-benefit.html", "https://www.chubb.com/hk-en/personal/personal-accident-insurance.html", "https://www.chubb.com/hk-zh/personal/accident-insurance.html" ], "documents_found": [ "產品頁：Personal Accident Benefit（PAADD）計劃重點", "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "同系產品頁：Daily Guardian Refundable Personal Accident Plan（保費回贈意外計劃）、Juvenile Accident Protector（兒童意外保障）、Accident Guard Plan" ], "citations": [ { "claim_field": "key_terms", "claim_summary": "此產品為附加保障，必須附加於安達人壽基本計劃", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 7, "quote": "Product Type This product is a rider and must be attached to our basic plan.", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "coverage", "claim_summary": "意外身故及斷肢投保額最低 HK$195,000 / US$25,000", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 7, "quote": "Basic Coverage - Accidental Death & Dismemberment • Minimum amount: The lower of HK$195,000 / US$25,000 and the sum assured of the basic plan to which Personal Accident Benefit is attached.", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "coverage", "claim_summary": "雙倍賠償：付費乘客乘公共交通/定期航班、升降機內、公眾建築物火警", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 2, "quote": "Double indemnity is payable under Accidental Death & Dismemberment and Weekly Accident Indemnity if injury is due to accidents in the following conditions - while the insured is a fare-paying passenger on any public transport over an established land or sea route; or - while the insured is a fare-paying passenger in an airline scheduled flight; or - while the insured is in an elevator car (elevators in mines and construction sites excluded); or - in consequence of the burning of any theatre, hotel or other public building", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "coverage", "claim_summary": "每週意外入息（自選）每週最低 HK$390 / US$50，最長104週", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 7, "quote": "Optional Coverage - Weekly Accident Indemnity • Weekly minimum amount: HK$390 / US$50", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "coverage", "claim_summary": "每週意外入息最長賠償104週；局部暫時傷殘賠50%", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 3, "quote": "50% of the weekly amount will be payable, for a period up to 104 weeks • Benefit payable under Temporary Total Disablement and Temporary Partial Disablement will be up to a maximum of 104 weeks", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "coverage", "claim_summary": "醫療保障（自選）每宗意外最低 HK$10,000 / US$1,250", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 7, "quote": "Optional Coverage - Medical Beneit • Minimum amount per accident: HK$10,000 / US$1,250", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "coverage", "claim_summary": "跌打治療：每保單年度 HK$1,500；每宗意外無骨折 HK$500／有骨折 HK$1,000", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 3, "quote": "Benefits also include treatment by a bonesetter up to HK$1,500 per policy year, with the maximum limit per accident as follows: - Injury without fractures: HK$500 - Injury with fractures: HK$1,000", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "意外後12個月內身故或斷肢且意外為直接及獨立原因方獲賠償", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 3, "quote": "Death or dismemberment of the insured should occur within 12 months from the date of accidental injury and the accidental injury is the direct and independent cause of death or dismemberment", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "永久傷殘定義：持續6個月且經註冊醫生證明終身無望好轉", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 6, "quote": "Permanent - means lasting 6 months from the date of injury and at the expiry of that period being beyond the hope of improvement and a Registered Medical Practitioner has certified that such condition will continue for the remainder of the insured's life.", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "key_terms", "claim_summary": "31日取消通知期，取消時退還未滿期保費", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 10, "quote": "We may cancel Personal Accident Benefit by giving a 31-day notice in writing to you, subject to the rights of the insured in respect of any injury which had occurred prior to the effective date of cancellation. On cancellation, you are entitled to a refund of any unearned portion of premium paid by you.", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "exclusions", "claim_summary": "不保事項：自殺或蓄意自傷（無論神志是否正常）", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 10, "quote": "No benefits will be paid if the death or injury is a direct or indirect, voluntary or involuntary, consequence of any of the following: • Suicide or intentionally self-inflicted injury whether sane or insane;", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "exclusions", "claim_summary": "不保事項：戰爭、入侵、內戰、革命或類戰爭行動；參與刑事行為", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 10, "quote": "• War, declared or undeclared, invasion, civil war, revolution or any warlike operations; • Participation in a criminal act;", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" }, { "claim_field": "exclusions", "claim_summary": "不保事項：職業運動或危險活動（潛水、競賽、使用呼吸器的水底活動等）；非付費乘客身份乘搭飛行器", "document": "安達保險 Chubb 個人意外保險官方專頁（My Accident Guard）", "page": 10, "quote": "• Flying or attempting to fly in, or using or attempting to use, an aerial device of any description, other than being a fare-paying passenger (not as an operator or crew member) in or on, boarding or alighting from a certified passenger aircraft operated by a regularly scheduled commercial airline; • Engaging in or taking part in professional sports or any hazardous pursuits such as diving or riding in any kind of race; underwater activities involving the use of breathing apparatus", "url": "https://www.chubb.com/hk-zh/personal/accident-insurance.html" } ], "promo": { "tag": "最新優惠", "note": "門診、跌打、物理治療實報實銷，特設海外意外援助" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ], "record_status": "unverified", "official_buy_url": "https://www.chubb.com/hk-en/personal/personal-accident-insurance.html" }, { "id": "accident-dah-sing", "category": "accident", "insurer": "Dah Sing", "insurer_zh": "大新保險", "product_name": "Personal Protector - Personal Accident Insurance Plan", "product_name_zh": "「心意保」個人意外保障計劃", "plan_tiers": [ "計劃A", "計劃B", "DIY 自訂計劃（自訂指定項目之年度賠償額）" ], "coverage": [ { "item": "死亡及永久傷殘（18–70歲）", "limit": "計劃A HK$1,000,000 / 計劃B HK$2,000,000", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "死亡及永久傷殘（18歲以下或70歲以上，保障額減至50%）", "limit": "計劃A HK$500,000 / 計劃B HK$1,000,000", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "醫療費用（每宗意外；被搶劫受傷賠償自動加倍）", "limit": "計劃A HK$10,000 / 計劃B HK$20,000", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "住院津貼", "limit": "HK$36,400（每週 HK$700）", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Hospital Cash住院津貼 36,400 (700 / week週) 36,400 (700 / week週)" }, { "item": "每週入息／暫時傷殘（只限計劃B投保人及配偶；最長104週）", "limit": "最高為每週收入75%，且不超過死亡及永久傷殘投保額0.5%", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "衣物和個人財物損壞（每宗意外）", "limit": "HK$2,000", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "跌打/物理治療/脊醫費用（每次 HK$150，每日1次）", "limit": "每年合計 HK$1,500（醫療費用投保額不少於 HK$10,000 適用）", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "雙倍賠償（乘搭公共交通工具或為搶劫無辜受害者意外身故）", "limit": "賠償額兩倍或加 HK$1,000,000（以較低者為準）", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "配偶延伸保障（死亡及永久傷殘投保額不少於 HK$1,000,000 適用）", "limit": "HK$100,000", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "火葬及運返費用", "limit": "HK$25,000", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "全球緊急援助（住院保證金、緊急醫療運送、近親探望、休養住宿）", "limit": "適用", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "無索償額外保障（18–70歲；死亡及永久傷殘賠償額每年續保遞增10%，複合計算最多5年）", "limit": "最高累積約+61%", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______" }, { "item": "意外身故及永久傷殘", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2" }, { "item": "骨折及脫臼專項津貼", "limit": "因意外引致骨折或關節脫臼，按骨折部位（如盆骨、大腿骨、前臂、肋骨）發放額外專項現金津貼 HK$2,000 至 HK$30,000", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "因意外引致身體骨骼完全或不完全骨折或關節脫臼，可獲發放骨折專項現金補助金。", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2" }, { "item": "意外住院每日現金津貼", "limit": "因意外事故受傷入院治療，每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 住院現金入息津貼（每年最長 90 至 180 天）", "document_name": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "因意外受傷入住醫院治療期間，每天可獲發住院現金入息津貼，彌補因傷停工之收入損失。", "source_url": "/docs/brochures/dahsinginsurance-proposal_form.pdf#page=2" } ], "premium_range": "HK$900–HK$1,700/年/人（計劃A HK$900、計劃B HK$1,700；DIY 自訂保費另計）", "premium_available": true, "premium_notes": "保費未含保監局法定保費徵費（現行法定徵費率 0.1%）；年繳；保費表僅供參考，大新保險保留核保調整權", "key_terms": [ "受保人6個月–70歲，可終生續保；18歲以下須由父母或監護人投保；須持香港身份證", "同一保單所有受保人劃一計劃", "同一受保人於大新保險所有保單的意外身故及永久傷殘合計上限 HK$5,000,000", "醫療費用投保額不得超過死亡及永久傷殘投保額2%", "暫時傷殘不適用於家庭主婦、義工、非在職、退休人士及18歲以下或70歲以上", "失蹤逾365日可推定意外死亡；自動續保", "由大新銀行作持牌保險代理分銷（FA3022）", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "投保書聲明不得從事：競速（徒步或游泳除外）、離地30呎或以上高空工作、機組/船員、水底或地底工作、商業潛水、職業體育或藉運動賺取收入、進入/工作於建築工地、武裝部隊或紀律部隊、維修或操作機械（診所/美容/髮型屋/辦公室日常除外）、金屬加工或焊接、爆炸品處理、電單車或商業駕駛、演員/專業體育教練/戰地記者/娛樂場所（酒吧、夜總會、卡拉OK、麻雀館）", "保單條款另載：制裁除外條款、COVID-19/大流行疫症除外條款", "年齡限制：保險期首日須介乎6個月至70歲" ], "source_urls": [ "https://www.dahsing.com/html/tc/insurance/general_insurance/personal_protector_insurance_plan.html", "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf", "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PA/%E3%80%8C%E5%BF%83%E6%84%8F%E4%BF%9D%E3%80%8D%E5%80%8B%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%9A%9C%E8%A8%88%E5%8A%83%E4%BF%9D%E5%96%AE%E6%A2%9D%E6%AC%BE%20(%E7%94%B12023%E5%B9%B48%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E6%8A%95%E4%BF%9D%EF%BC%8F2023%E5%B9%B411%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E7%BA%8C%E4%BF%9D%E7%9A%84%E4%BF%9D%E5%96%AE).pdf" ], "documents_found": [ "官方產品頁：「心意保」個人意外保障計劃（dahsing.com 大新銀行分銷頁）", "投保申請書 PDF（dahsinginsurance.com fileCenter/PPA/proposal_form.pdf）：計劃A/B/DIY 保費表（HK$900/1,700）、主要保障額、折扣率、職業限制聲明", "保單條款 PDF（dahsinginsurance.com fileCenter/PA）：基本保障、賠償百分比表、額外保障、一般條文及除外條款" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "每年保費（每人）：計劃A HK$900、計劃B HK$1,700；DIY 自訂保費另計", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Types of Plan 計劃類別 A B DIY自訂 Total Annual Premium (per Person) 每年保費(每人) ☐ 900 ☐ 1,700 ☐ ______", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "premium_notes", "claim_summary": "多人同時投保折扣：2–4名受保人9折、5名或以上85折（只適用於新保單）", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Discount Rate折扣率 ☐ 10% : 2 - 4 Insured Persons (2-4名受保人) ☐ 15% : 5 or more Insured Persons (5名或以上受保人) ... 上述保費折扣只適用於上述人數同時成功申請的新保單。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "premium_notes", "claim_summary": "保費未含保監局法定保費徵費（現行法定徵費率 0.1%）；保費表僅供參考", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "保費未含保監局法定保費徵費（現行法定徵費率 0.1%）；保費表僅供參考", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "coverage", "claim_summary": "死亡及永久傷殘：18–70歲計劃A HK$1,000,000／計劃B HK$2,000,000；18歲以下或70歲以上減至50%", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Death & Permanent Disablement 死亡及永久傷殘 Age within 18 to 70 18至70歲以內 1,000,000 2,000,000 Age below 18 or above 70 18歲以下或70歲以上 500,000 1,000,000", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "coverage", "claim_summary": "醫療費用（每宗意外）：計劃A HK$10,000／計劃B HK$20,000", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Medical Expenses (per accident) 醫療費用 (每宗意外) 10,000 20,000", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "coverage", "claim_summary": "住院津貼 HK$36,400（每週 HK$700）", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Hospital Cash住院津貼 36,400 (700 / week週) 36,400 (700 / week週)", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "coverage", "claim_summary": "雙倍賠償：乘搭公共交通工具或為搶劫無辜受害者意外身故，賠償額兩倍或加 HK$1,000,000（以較低者為準）", "document": "大新保險「心意保」個人意外保障計劃保單條款（fileCenter/PA，PAP032024）", "page": 11, "quote": "若受保人在下列情況下意外死亡，基本保障第1項「死亡」的賠償額將為兩倍或增加港幣1,000,000元（以較低者為準）：(a) 購票乘搭領有牌照運載公眾而非承包或供私人使用的公共交通工具時發生，包括多引擎飛機、巴士、旅遊巴士、火車、船、氣墊船、渡輪和出租車; 或 (b) 成為搶劫或意圖搶劫的無辜受害者。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PA/%E3%80%8C%E5%BF%83%E6%84%8F%E4%BF%9D%E3%80%8D%E5%80%8B%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%9A%9C%E8%A8%88%E5%8A%83%E4%BF%9D%E5%96%AE%E6%A2%9D%E6%AC%BE%20(%E7%94%B12023%E5%B9%B48%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E6%8A%95%E4%BF%9D%EF%BC%8F2023%E5%B9%B411%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E7%BA%8C%E4%BF%9D%E7%9A%84%E4%BF%9D%E5%96%AE).pdf" }, { "claim_field": "coverage", "claim_summary": "跌打/物理治療/脊醫費用：每次 HK$150、每日1次、每年合計 HK$1,500", "document": "大新保險「心意保」個人意外保障計劃保單條款（fileCenter/PA，PAP032024）", "page": 11, "quote": "本公司將就意外發生當日後十二（12）個曆月內引致的實際跌打費用、物理治療費用或脊醫費用作出賠償，每年合共不超過港幣1,500元，惟最高賠償限額為每次港幣150元，每日不得超過一（1）次。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PA/%E3%80%8C%E5%BF%83%E6%84%8F%E4%BF%9D%E3%80%8D%E5%80%8B%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%9A%9C%E8%A8%88%E5%8A%83%E4%BF%9D%E5%96%AE%E6%A2%9D%E6%AC%BE%20(%E7%94%B12023%E5%B9%B48%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E6%8A%95%E4%BF%9D%EF%BC%8F2023%E5%B9%B411%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E7%BA%8C%E4%BF%9D%E7%9A%84%E4%BF%9D%E5%96%AE).pdf" }, { "claim_field": "key_terms", "claim_summary": "同一受保人於大新保險所有保單的意外身故及永久傷殘合計上限 HK$5,000,000", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "The maximum benefit payable under the Accidental Death and Permanent Disablement for one person under all insurance policies underwritten by Dah Sing Insurance shall not exceed HK$5,000,000 in aggregate.", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "key_terms", "claim_summary": "暫時傷殘不適用於家庭主婦、義工、非在職、退休人士及18歲以下或70歲以上", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "Temporary Disablement cover is not applicable to housewife, volunteer, unemployed, retiree and those aged below eighteen (18) or above seventy (70).", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "key_terms", "claim_summary": "醫療費用投保額不得超過死亡及永久傷殘投保額2%", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 2, "quote": "The selected sum insured for Medical Expenses cannot exceed 2% of the selected sum insured for Death & Permanent Disablement. 醫療費用所選投保額不得超過死亡及永久傷殘所選投保額的2%。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "exclusions", "claim_summary": "投保書聲明不得從事：競速、高空工作、機組/船員、職業體育、建築工地、武裝部隊或紀律部隊等", "document": "大新保險「心意保」個人意外保障計劃投保申請書（proposal_form.pdf）", "page": 6, "quote": "本人／吾等特此聲明本人／吾等職業並非或不會從事下列工作或活動。 - racing (other than on foot or swimming) or trial of speed or reliability 競速（徒步或游泳除外）或賽道競速；- working at height or thirty (30) feet or higher from ground level 高空工作或離地30呎或以上工作；- engaging in duty of aircrew or shipcrew or working underwater or underground or engaging in professional diving; ... - engaging in duty with any armed force or disciplinary service; 任何武裝部隊或紀律部隊；", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PPA/proposal_form.pdf" }, { "claim_field": "exclusions", "claim_summary": "保單不保事項：戰爭、自殺/自殘、受藥物或酒精影響、競賽、職業運動、機組人員、警隊/軍隊/消防/保安部隊服役、疾病、分娩或懷孕、非法行為、投保前已存在症狀、核輻射", "document": "大新保險「心意保」個人意外保障計劃保單條款（fileCenter/PA，PAP032024）", "page": 10, "quote": "不保事項 本保單不承保因以下各項直接或間接引致的死亡或損傷：1. 戰爭、入侵、外敵行動、戰鬥（無論宣戰與否）、內戰、叛亂、革命、起義、軍事政變或篡奪權力；2. 自殘、自殺（無論是否重罪）或在神志正常或失常的情況下意圖自殺、故意令自己身處險境（試圖拯救他人生命除外）、打架（正當自衛除外）、挑釁性攻擊、拒捕；", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PA/%E3%80%8C%E5%BF%83%E6%84%8F%E4%BF%9D%E3%80%8D%E5%80%8B%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%9A%9C%E8%A8%88%E5%8A%83%E4%BF%9D%E5%96%AE%E6%A2%9D%E6%AC%BE%20(%E7%94%B12023%E5%B9%B48%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E6%8A%95%E4%BF%9D%EF%BC%8F2023%E5%B9%B411%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E7%BA%8C%E4%BF%9D%E7%9A%84%E4%BF%9D%E5%96%AE).pdf" }, { "claim_field": "exclusions", "claim_summary": "保單另載 COVID-19／大流行疫症除外條款", "document": "大新保險「心意保」個人意外保障計劃保單條款（fileCenter/PA，PAP032024）", "page": 11, "quote": "15. COVID-19／大流行疫症除外條款 儘管當中有任何相反規定，但本保險不承保由以下任何一項（包括其無論是實際或感覺上引起的任何恐懼或威脅）直接或間接造成...的任何損失、損害、責任、費用、罰款、罰金或任何其他金額：(a) 2019冠狀病毒病（COVID-19），包括其任何突變或變種病毒；或 (b) 由世界衛生組織或任何政府機構宣佈的大流行疫症或流行病。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/PA/%E3%80%8C%E5%BF%83%E6%84%8F%E4%BF%9D%E3%80%8D%E5%80%8B%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%9A%9C%E8%A8%88%E5%8A%83%E4%BF%9D%E5%96%AE%E6%A2%9D%E6%AC%BE%20(%E7%94%B12023%E5%B9%B48%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E6%8A%95%E4%BF%9D%EF%BC%8F2023%E5%B9%B411%E6%9C%881%E6%97%A5%E6%88%96%E4%B9%8B%E5%BE%8C%E7%BA%8C%E4%BF%9D%E7%9A%84%E4%BF%9D%E5%96%AE).pdf" } ], "official_buy_url": "https://www.dahsing.com/html/tc/insurance/general_insurance/personal_protector_insurance_plan.html", "promo": { "tag": "最新優惠", "note": "大新信用卡客戶投保享額外保費折扣", "buy_url": "https://www.dahsing.com/html/tc/insurance/general_insurance/personal_protector_insurance_plan.html" }, "review_notes": [ "2026-10-02：隔離 3 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "accident-fwd", "category": "accident", "insurer": "FWD", "insurer_zh": "富衛", "product_name": "MySafe Accident Protection Plan", "product_name_zh": "MySafe 意外保障計劃", "plan_tiers": [ "Standard Plan 標準計劃", "Double Plan 雙倍計劃" ], "coverage": [ { "item": "意外身故及斷肢保障", "limit": "最高 HK$1,500,000（原有投保額；最低 HK$500,000）", "source_url": "/docs/brochures/fwd-mysafe-accident-policy.pdf#page=1", "document_name": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": 1, "quote": "Accidental Death and Dismemberment Benefit (Initial Sum Insured) Up to HK$1,500,000 Up to HK$1,500,000" }, { "item": "意外所造成的疤痕保障（市場首創；兩計劃均有）", "limit": "原有投保額20%，最高 HK$300,000", "source_url": "/docs/brochures/fwd-mysafe-accident-policy.pdf#page=1", "document_name": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": 1, "quote": "Accidental Death and Dismemberment Benefit (Initial Sum Insured) Up to HK$1,500,000 Up to HK$1,500,000" }, { "item": "身故體恤保障", "limit": "原有投保額1%，最高 HK$15,000", "source_url": "/docs/brochures/fwd-mysafe-accident-policy.pdf#page=1", "document_name": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": 1, "quote": "Compassionate Death Benefit (1% of the Initial Sum Insured) Up to HK$15,000 Up to HK$15,000" }, { "item": "永久完全傷殘保障（只限雙倍計劃）", "limit": "最高 HK$1,500,000", "source_url": "/docs/brochures/fwd-mysafe-accident-policy.pdf#page=1", "document_name": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": 1, "quote": "Accidental Death and Dismemberment Benefit (Initial Sum Insured) Up to HK$1,500,000 Up to HK$1,500,000" }, { "item": "雙倍賠償保障（只限雙倍計劃；特定情況如交通工具、地震意外）", "limit": "最高 HK$1,500,000", "source_url": "/docs/brochures/fwd-mysafe-accident-policy.pdf#page=1", "document_name": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": 1, "quote": "Accidental Death and Dismemberment Benefit (Initial Sum Insured) Up to HK$1,500,000 Up to HK$1,500,000" }, { "item": "24小時全球支援服務", "limit": "兩計劃均適用", "source_url": "/docs/brochures/fwd-mysafe-accident-policy.pdf#page=1", "document_name": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": 1, "quote": "Accidental Death and Dismemberment Benefit (Initial Sum Insured) Up to HK$1,500,000 Up to HK$1,500,000" }, { "item": "意外身故及永久傷殘", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "意外醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "跌打 / 中醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "物理治療及脊醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院現金 / 入息保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "收入 / 付款保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "骨折保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "燒傷 / 疤痕 / 毀容", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": 1, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "/docs/brochures/fwd-mysafe-accident-policy.pdf#page=1" } ], "premium_range": "官網未公開固定保費表（網上報價；保費按4種職業類別及居住地釐定）", "premium_available": false, "premium_notes": "投保年齡15日–65歲（下次生日年齡），每年續保至75歲；續保保費非保證但不會因下次生日年齡增加而上調；港元；月繳/年繳；最高原有投保額：15日–18歲 HK$750,000、19–65歲 HK$1,500,000；只限香港永久性居民身份證持有人網上申請，未來12個月不會離港居住/工作逾183日，非中國居民身份證持有人", "key_terms": [ "基本計劃（Standalone），網上投保", "標準計劃毋須健康問題（經指定渠道）；簡易投保", "網上申請人領取保單文件、冷靜期取消、更改受益人或退保須親臨富衛保險綜合服務中心", "如需更高保障額產品需經顧問投保", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "官網產品頁未逐項列出全部不保事項（以保單條款為準；官網提供產品小冊子及保單條款 PDF 下載：MySafe Accident Protection Plan Policy Provisions – Standard / Double）" ], "source_urls": [ "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/", "https://www.fwd.com.hk/images/v3/assets/blt563fac53dd3a847c/blte32110ac62806af5/625ebdca058af94c8ab63819/MySafe-Accident-Protection-Plan-Policy-Provisions-Double.pdf", "https://www.fwd.com.hk/en/accident-disability/" ], "documents_found": [ "富衛保險 MySafe 意外保障計劃官方保單條款及保障規格", "官網產品頁 MySafe Accident Protection Plan（Standard vs Double 權益表、保障概覽、申請資格）", "保單條款 PDF：MySafe Accident Protection Plan Policy Provisions（Double）", "同系意外產品：心安意足意外保障計劃 AttentiveCare（fwd.com.hk 產品小冊子，投保額 HK$400,000–2,000,000，按4職業類別收費）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "意外身故及斷肢保障最高 HK$1,500,000（原有投保額）", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "Accidental Death and Dismemberment Benefit (Initial Sum Insured) Up to HK$1,500,000 Up to HK$1,500,000", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" }, { "claim_field": "coverage", "claim_summary": "意外所造成的疤痕保障（市場首創）：原有投保額20%，最高 HK$300,000", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "Scar due to Accident Benefit (20% of the Initial Sum Insured) Up to HK$300,000 Up to HK$300,000 ... we provide the first-in-market Scar due to Accident benefit with MySafe.", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" }, { "claim_field": "coverage", "claim_summary": "身故體恤保障：原有投保額1%，最高 HK$15,000", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "Compassionate Death Benefit (1% of the Initial Sum Insured) Up to HK$15,000 Up to HK$15,000", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" }, { "claim_field": "coverage", "claim_summary": "永久完全傷殘保障及雙倍賠償保障（只限雙倍計劃）：最高各 HK$1,500,000", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "Permanent Total Disability Benefit (Initial Sum Insured) Not applicable Up to HK$1,500,000 Double Indemnity Benefit (Initial Sum Insured) Not applicable Up to HK$1,500,000", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" }, { "claim_field": "premium_notes", "claim_summary": "保費按4種職業類別及居住地釐定（官網示例年繳保費表）", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "The premium for FWD MySafe Accident Protection Plan varies depending on the insured person's age, occupation classification, place of residence, selected plan level and chosen sum insured: Standard Plan - Annual premiums (Hong Kong resident) Occupational Class ... 1 HK$375 HK$750 HK$1,125 2 HK$470 HK$940 HK$1,410 3 HK$565 HK$1,130 HK$1,695 4 HK$940 HK$1,880 HK$2,820", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" }, { "claim_field": "premium_notes", "claim_summary": "續保保費非保證但不會因下次生日年齡增加而上調；保障至75歲", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "The premium is non-guaranteed and may significantly increase due to factors including but not limited to claims experience and policy persistency. However, the premium will not be increased based on the age of the Insured on his or her next birthday. ... The Premium Payment Term of the MySafe Accident Protection Plan ends on the Policy Anniversary immediately preceding the Insured’s 75th birthday.", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" }, { "claim_field": "key_terms", "claim_summary": "受保年齡由出生15日起（兒童亦可受保）", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "Fortunately, most are just bumps, bruises and scrapes which can be treated at home. However, for more serious accidents, MySafe has got you and your children covered from as young as 15 days old.", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" }, { "claim_field": "key_terms", "claim_summary": "標準計劃毋須健康問題；簡易網上投保", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "Simple enrolment Affordable Accident protection, just a few clicks away No health question needed Less than 10 minutes to apply Get covered in as little as 30 minutes", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" }, { "claim_field": "exclusions", "claim_summary": "不保事項：自殺或自我傷害（不論精神狀態）、受保人或受益人參與非法行為、災難性事件（被動參與戰爭除外）", "document": "FWD 官網產品頁：MySafe Accident Protection Plan（fwd.com.hk/online-insurance/mysafe-accident-protection-plan）", "page": null, "quote": "FWD will not cover any loss/ claim directly or indirectly caused by or resulting from any of the following: Suicide or a self-inflicted act by the Insured regardless of the Insured’s mental state. A claim arises because you, the Insured, or the beneficiary participated in an unlawful act. A claim arises from catastrophic events except that the Insured is a passive participant in a war.", "url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/en/" } ], "original_price": 600, "discounted_price": 480, "official_buy_url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/", "promo": { "tag": "網上投保 8 折", "discount": "20% OFF", "note": "免健康審查；首創意外疤痕保障高達 HK$300,000，滑雪水肺潛水業餘運動全面受保", "original_price": 600, "discounted_price": 480, "buy_url": "https://www.fwd.com.hk/online-insurance/mysafe-accident-protection-plan/" }, "review_notes": [ "2026-10-02：隔離 9 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "accident-msig", "category": "accident", "insurer": "MSIG", "insurer_zh": "三井住友保險", "product_name": "iSafe Accident Insurance", "product_name_zh": "iSafe 意外保險", "plan_tiers": [ "成人計劃A（18–59歲）", "成人計劃B（18–59歲）", "家庭計劃A（夫婦18–59歲 + 子女6個月–17歲）" ], "coverage": [ { "item": "意外身故", "limit": "計劃A HK$500,000 / 計劃B HK$1,000,000 / 家庭父母 HK$500,000、子女 HK$100,000", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Accidental death 500,000 1,000,000 500,000 100,000 Permanent disablement 500,000 1,000,000 500,000 100,000" }, { "item": "永久傷殘", "limit": "計劃A HK$500,000 / 計劃B HK$1,000,000 / 家庭父母 HK$500,000、子女 HK$100,000", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Accidental death 500,000 1,000,000 500,000 100,000 Permanent disablement 500,000 1,000,000 500,000 100,000" }, { "item": "意外醫療費用（每宗意外）", "limit": "HK$10,000 / 20,000 / 父母10,000、子女2,500", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Medical expenses Limit per accident 10,000 20,000 10,000 2,500" }, { "item": "雙倍賠償（大灣區以外付費乘客乘公共交通意外身故）", "limit": "HK$500,000 / 1,000,000 / 500,000（子女100,000）", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "三倍賠償（大灣區內付費乘客乘公共交通意外身故）", "limit": "HK$1,000,000 / 2,000,000 / 1,000,000（子女200,000）", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "嚴重燒傷", "limit": "HK$250,000 / 500,000 / 250,000（子女50,000）", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "公眾假期額外賠償", "limit": "HK$25,000 / 50,000 / 25,000（子女25,000）", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "殯葬及火化費用", "limit": "各 HK$25,000", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "創傷輔導 / 喪親輔導費用", "limit": "各 HK$5,000", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "物理治療/脊醫/跌打/針灸（每日1次，每宗意外5次；物理/脊醫每次500、跌打/針灸每次200）", "limit": "每年 HK$2,500", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "衣物及個人物品損毀（每宗意外）", "limit": "HK$2,000", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "住院現金（每週）", "limit": "每週 HK$500，最長52週", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "意外整容手術費用（每宗意外，子女不適用）", "limit": "HK$20,000", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440" }, { "item": "個人責任", "limit": "HK$500,000 / 1,000,000 / 500,000（子女500,000）", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Section 2 - Personal liability Personal liability 500,000 1,000,000 500,000 500,000" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "item": "骨折及脫臼專項津貼", "limit": "因意外引致骨折或關節脫臼，按骨折部位（如盆骨、大腿骨、前臂、肋骨）發放額外專項現金津貼 HK$2,000 至 HK$30,000", "document_name": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "因意外引致身體骨骼完全或不完全骨折或關節脫臼，可獲發放骨折專項現金補助金。", "source_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" } ], "premium_range": "HK$1,185–HK$3,440/年（成人計劃A HK$1,185、成人計劃B HK$2,310、家庭計劃A HK$3,440）", "premium_available": true, "premium_notes": "只限網上投保；網上投保8折（另見推廣碼優惠）；家庭計劃同一保費保障最多8名子女；家庭計劃18歲以下受保人身故/傷殘合計上限 HK$500,000、醫療合計上限 HK$10,000；60歲後由公司酌情續保；保費未含保監局徵費", "key_terms": [ "只承保職業類別I（文職）及類別II（非體力勞動）", "不承保從事類別III（輕體力）/類別IV（體力勞動）或保單一般除外所列職業期間", "職業變更須書面通知，或須補付保費；轉至除外職業即取消保障", "永久傷殘及嚴重燒傷按保單賠償表百分比計算", "全球保障；大灣區定義涵蓋港澳及廣東九市", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "戰爭及恐怖主義", "自殺", "蓄意自傷", "職業運動", "任職警隊、軍隊、消防或保安護衛", "非定期航班", "疾病（如傳染病）", "分娩或懷孕", "核武器", "放射性污染", "保單一般除外所列職業" ], "source_urls": [ "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance", "https://www.msig.com.hk/en/claims/hong-kong/personal-insurance/personal-accident", "https://www.msig.com.hk/isafe" ], "documents_found": [ "官網產品頁 iSafe Accident Insurance（Benefits at a Glance 保障表、年繳保費、Important Notes 職業類別及不保事項）", "MSIG 意外保險索償頁（EASY Claims 流程）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "年繳保費：成人計劃A HK$1,185、成人計劃B HK$2,310、家庭計劃A HK$3,440", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Premium Table Plans Adult Plan A Adult Plan B Family Plan A Annual Premium (HK$) 1,185 2,310 3,440", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "claim_field": "coverage", "claim_summary": "意外身故及永久傷殘：計劃A HK$500,000／計劃B HK$1,000,000／家庭父母 HK$500,000、子女 HK$100,000", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Accidental death 500,000 1,000,000 500,000 100,000 Permanent disablement 500,000 1,000,000 500,000 100,000", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "claim_field": "coverage", "claim_summary": "意外醫療費用（每宗意外）：HK$10,000／20,000／父母10,000、子女2,500", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Medical expenses Limit per accident 10,000 20,000 10,000 2,500", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "claim_field": "coverage", "claim_summary": "雙倍賠償（大灣區以外）及三倍賠償（大灣區內）付費乘客乘公共交通意外身故", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Double indemnity 500,000 1,000,000 500,000 100,000 Triple indemnity 1,000,000 2,000,000 1,000,000 200,000 ... Accidental Death Benefit will be doubled if the accident happened whilst travelling on a public transport conveyance as a fare-paying passenger anywhere other than in the Greater Bay Area. Accidental Death Benefit will be tripled if the", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "claim_field": "coverage", "claim_summary": "個人責任：HK$500,000／1,000,000／500,000（子女500,000）", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Section 2 - Personal liability Personal liability 500,000 1,000,000 500,000 500,000", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "claim_field": "key_terms", "claim_summary": "只承保職業類別I（文職）及類別II（非體力勞動）；不承保類別III/IV期間", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "The policy is applicable only to an Insured Person whose occupation falls under Class I/Clerical occupation (i.e. professional, administrative and clerical duties of an indoor nature and without the involvement of any manual work, such as a lawyer, accountant, teacher, doctor, nurse, etc.) or Class II/Non-manual work occupation ... The policy does not cover the Insured Person at any time during the existence of the policy engaging in Occupation Class III / Slight-Manual Work occupation (unless not involving the use of machinery or an engine), Occupation Class IV / Manual Work occupation or any of the listed occupations under General Exceptions in the policy.", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "claim_field": "key_terms", "claim_summary": "職業變更須書面通知，或須補付保費；轉至除外職業即取消保障", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "You must advise the Company in writing as soon as you are aware of any change in the employment, occupation, duties or pursuits of any insured person, or any other change which may increase the possibility of a claim under this Policy. You may be required to pay an additional premium as a result of any such changes. If the Insured Person’s revised occupation falls within the excluded occupations listed under General Exceptions of the policy, then the cover for that Insured Person shall be cancelled as of the date of such change of occupation.", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：戰爭及恐怖主義、自殺、蓄意自傷、職業運動、任職警隊/軍隊/消防/保安護衛", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Major Exclusions War and terrorism Suicide Intentional self-inflicted injury Professional sports Employment in police force, army, fire service or security guard service", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：非定期航班、疾病（如傳染病）、分娩或懷孕、核武器、放射性污染", "document": "MSIG 官網產品頁：iSafe Accident Insurance（msig.com.hk/en/personal-insurance/isafe-accident-insurance）", "page": null, "quote": "Non-scheduled air flights Sickness or disease (e.g. infectious diseases) Childbirth or pregnancy Nuclear weapons Radioactive contamination", "url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" } ], "promo": { "tag": "最新優惠", "note": "純線上即時核保享 8 折優惠，特設業餘危險運動保障" }, "review_notes": [ "2026-10-02：隔離 1 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ], "record_status": "unverified", "official_buy_url": "https://www.msig.com.hk/en/personal-insurance/isafe-accident-insurance" }, { "id": "accident-prudential", "category": "accident", "insurer": "Prudential", "insurer_zh": "保誠", "product_name": "PRUCare Accident Cover Series", "product_name_zh": "意外保系列", "plan_tiers": [ "意外首護保（投保年齡1–70歲）", "意外加護保（1–70歲）", "意外全護保（19–65歲）" ], "coverage": [ { "item": "意外身故保障（意外後90日內）", "limit": "投保額100%", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=3", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 3, "quote": "假如保單內受保障的人士（即「受保人」）於意外發生後的90日內不幸身故，我們將一筆過支付保額的100%金額作為意外身故保障。" }, { "item": "意外斷肢保障（按傷殘程度表，含三級嚴重燒傷）", "limit": "高達投保額100%", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "完全永久傷殘保障（3計劃均有）", "limit": "第13個月起首18個月每月賠投保額1%；第30個月後仍持續則一筆過賠82%", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "暫時性傷殘保障（只限意外全護保）：局部暫時性傷殘／完全暫時性傷殘", "limit": "每週投保額0.125%（上限 HK$1,250/週）／0.5%（上限 HK$5,000/週）；12個月內最多52週", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "意外醫療費用保障（意外加護保及全護保；住院、門診、緊急牙科、家中看護、醫療器具）", "limit": "每宗意外投保額5%；18歲或以上上限 HK$80,000，18歲以下 HK$16,000（加護保與全護保合併計算）", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "跌打/針灸", "limit": "每次 HK$300（每日1次），每年最多10次", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=12", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 12, "quote": "• 跌打／針灸 每次診治（合併計算每日最多1次） 300港元／38美元，於每個保單年度賠償上限為10次" }, { "item": "物理治療/職業治療/脊椎治療", "limit": "每次 HK$700，每年最多15次", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "家中看護（出院後31日內）", "limit": "每日 HK$600，每年最多15次", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "指定醫療器具（拐杖、輪椅等）", "limit": "每年 HK$2,000", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "雙倍賠償（付費乘客乘公共交通/客機、行人被車撞、升降機內、公眾場所火警、香港水浸或山泥傾瀉）", "limit": "意外身故、斷肢及完全永久傷殘額外100%", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "恩恤身故保障（非意外身故）", "limit": "投保額1%，每人每計劃上限 HK$50,000", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "全球緊急支援服務", "limit": "適用", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=14", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。" }, { "item": "意外身故及永久傷殘", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "跌打 / 中醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 3, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=3" }, { "item": "骨折及脫臼專項津貼", "limit": "因意外引致骨折或關節脫臼，按骨折部位（如盆骨、大腿骨、前臂、肋骨）發放額外專項現金津貼 HK$2,000 至 HK$30,000", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 3, "quote": "因意外引致身體骨骼完全或不完全骨折或關節脫臼，可獲發放骨折專項現金補助金。", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=3" }, { "item": "意外住院每日現金津貼", "limit": "因意外事故受傷入院治療，每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 住院現金入息津貼（每年最長 90 至 180 天）", "document_name": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 3, "quote": "因意外受傷入住醫院治療期間，每天可獲發住院現金入息津貼，彌補因傷停工之收入損失。", "source_url": "/docs/brochures/prudential-prucare-accident-cover-series-product-brochure.pdf#page=3" } ], "premium_range": "官網小冊子未公開保費表（保費按年齡、國籍、居住國家及職業類別等風險級別釐定，每保單周年可調整）", "premium_available": false, "premium_notes": "附加保障（可單獨投保或附加於基本計劃）；港元/美元；保障期至80歲；暫時性傷殘保障於65歲、退休或失業時終止（以較早者為準）；21日冷靜期", "key_terms": [ "意外身故、斷肢及完全永久傷殘合計最高賠100%投保額，同一意外只賠最高一項", "更改職業須60日內通知；新職業不可承保則拒賠並終止計劃", "只賠償「合理及慣常收費」及「醫療需要」的費用", "自殺條款：生效/復效1年內自殺只退還已繳保費", "30日書面通知可取消計劃", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "戰爭、戰鬥、叛亂或起義", "麻醉劑（非處方）、濫用藥物及/或酗酒", "愛滋病/HIV相關治療或測試", "企圖自殺、自殺或蓄意自殘", "水肺潛水或參加任何非徒步進行的比賽", "非固定航線公共空中交通工具的付費乘客以外的空中航行", "參與任何刑事罪行", "生效/復效前已存在的病症或傷患", "懷孕、分娩或相關併發症" ], "source_urls": [ "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf", "https://www.prudential.com.hk/tc/claims-and-services/claims/claims-made-easy/accident-disability/" ], "documents_found": [ "產品小冊子 PDF：意外保系列（意外首護保/意外加護保/意外全護保）prucare-accident-cover-series-product-brochure.pdf（保障表、賠償百分比、主要不保範圍）", "同系一般保險產品：躍動保意外保險（Sporty Safe，保誠財險承保）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "小冊子未公開保費表；保費按年齡、國籍、居住國家及職業類別等風險級別釐定，每保單周年可調整", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們將於受保人每次續保時，根據受保人之風險級別（包括但不限於受保人年齡、國籍、居住國家及職業類別）釐定保費。 • 我們有權在每個保單周年日檢討和調整特定風險級別的保費率。", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "意外身故保障（意外後90日內）：投保額100%", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 3, "quote": "假如保單內受保障的人士（即「受保人」）於意外發生後的90日內不幸身故，我們將一筆過支付保額的100%金額作為意外身故保障。", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "意外斷肢保障（按傷殘程度表）：高達投保額100%", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 3, "quote": "假如受保人不幸於意外發生後的90日內斷肢（喪失身體部位或其使用能力或功能），我們將一筆過支付高達保額100%的金額作為意外斷肢保障。", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "完全永久傷殘保障：第13個月起首18個月每月賠投保額1%；第30個月後仍持續則一筆過賠82%", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 10, "quote": "完全永久傷殘保障 首18個月，每月支付１%，其後一筆過支付82%", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "暫時性傷殘保障（只限意外全護保）：局部每週0.125%（上限 HK$1,250/週）／完全0.5%（上限 HK$5,000/週）", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 10, "quote": "暫時性傷殘保障（保障年齡：18至65歲） • 局部暫時性傷殘保障（每星期） 0.125%，每星期最高賠償額為1,250港元／156美元 • 完全暫時性傷殘保障（每星期） 0.5%，每星期最高賠償額為5,000港元／625美元", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "意外醫療費用保障：每宗意外投保額5%；18歲或以上上限 HK$80,000，18歲以下 HK$16,000（加護保與全護保合併計算）", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 11, "quote": "V. 意外醫療費用保障 醫療費用：5% ... • 適用於18歲或以上之受保人，受限於每宗意外之最高賠償額為80,000港元／10,000美元 • 適用於18歲以下之受保人，受限於每宗意外之最高賠償額為16,000港元／2,000美元 ^ 此為意外加護保及意外全護保合併計算的最高賠償額", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "跌打/針灸：每次 HK$300（每日1次），每年最多10次", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 12, "quote": "• 跌打／針灸 每次診治（合併計算每日最多1次） 300港元／38美元，於每個保單年度賠償上限為10次", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "coverage", "claim_summary": "雙倍賠償：意外身故、斷肢及完全永久傷殘額外100%（付費乘客乘公共交通等情況）", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 10, "quote": "IV. 雙倍賠償 在下列情況下，應支付的意外身故保障、意外斷肢保障和完全永久傷殘保障可獲額外100%賠償： • 當受保人以付費乘客身份乘坐固定路線的任何持牌接載乘客之公共交通工具；或", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "key_terms", "claim_summary": "意外身故、斷肢及完全永久傷殘合計最高賠100%投保額，同一意外只賠最高一項", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 14, "quote": "我們只會就意外身故保障、意外斷肢保障及完全永久傷殘保障合計最高支付計劃100%的保額。 • 假如受保人於同一意外索償此3項保障時，就意外身故保障、意外斷肢保障及意外傷殘保障同時合資格享有多於一項賠償，我們只會支付其中賠償金額最高的一項。", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "key_terms", "claim_summary": "更改職業須60日內通知；新職業不可承保則拒賠並終止計劃", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 15, "quote": "您必須於受保人更改職業、業務或活動，或其退休或失業的日期起計60日內通知我們。我們將有權調整其保費及知會您新職業、業務或活動是否獲承保。然而若受保人的新職業、業務或活動並不可承保，我們將會拒絕所有相關索償並終止其計劃。", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保範圍：戰爭、麻醉劑/濫用藥物/酗酒、愛滋病/HIV相關、自殺或蓄意自殘", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 13, "quote": "主要不保範圍 ... (i) 戰爭、戰鬥（不論正式宣戰與否）、叛亂或起義；或 (ii) 受保人使用的麻醉劑（但由註冊醫生處方使用則除外），或受保人濫用藥物及／或酗酒；或 (iii) 受保人接受與後天免疫缺陷綜合症（愛滋病）、任何人類免疫缺陷病毒或其相關的狀況或愛滋病相關複合症有關的治療或測試；或 (iv) 在神志正常或失常的情況下，企圖自殺、自殺或蓄意自殘；或", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保範圍：水肺潛水或非徒步比賽、非固定航線付費乘客以外的空中航行、刑事罪行、已存在病症或傷患、懷孕分娩", "document": "保誠「意外保系列」產品小冊子（prucare-accident-cover-series-product-brochure.pdf）", "page": 13, "quote": "(v) 進行水肺潛水，或參加任何非徒步進行的比賽；或 (vi) 乘坐任何交通工具或裝置作空中航行，而非乘坐固定航線的公共空中交通工具的付費乘客；或 (vii) 受保人參與任何刑事罪行；或 (viii) 受保人於本計劃生效日期或復效之生效日期前（以較後者為準），已患有任何已存在病症或傷患...；或 (ix) 懷孕、分娩或因懷孕引起任何的併發症。", "url": "https://www.prudential.com.hk/tc/.galleries/pdf/brochure/prucare-accident-cover-series-product-brochure.pdf" } ], "official_buy_url": "https://www.prudential.com.hk/tc/products/health/accident-disability/", "promo": { "tag": "最新優惠", "note": "涵蓋各類意外燒傷、傷殘、醫療費用及每日住院津貼", "buy_url": "https://www.prudential.com.hk/tc/products/health/accident-disability/" }, "review_notes": [ "2026-10-02：隔離 3 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "accident-zurich", "category": "accident", "insurer": "Zurich", "insurer_zh": "蘇黎世保險", "product_name": "Breezy Care Personal Accident Insurance Plan", "product_name_zh": "「自在守護」個人意外保險計劃", "plan_tiers": [ "個人計劃：幼青（15日–17歲或18–23歲全日制學生）", "個人計劃：成人（18–70歲）", "個人計劃：長者（71–80歲投保，終身續保）", "家庭計劃（保障高達 HK$5,000,000）", "大家庭計劃（保障高達 HK$8,000,000，可保障父母及配偶父母）" ], "coverage": [ { "item": "意外身故及永久傷殘", "limit": "家庭經濟支柱高達 HK$3,500,000", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=3", "document_name": "蘇黎世官網產品頁：「自在守護」個人意外保險計劃（zurich.com.hk）", "page": 3, "quote": "為家庭經濟支柱1提供高達350萬港元意外身故及永久傷殘保障" }, { "item": "意外醫療費用（住院及門診：普通科/專科、中醫跌打、針灸、脊醫、物理治療、處方藥、診斷掃描、化驗、復康設備）", "limit": "成人每年高達 HK$300,000；門診不設每日賠償限額及分項上限", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident" }, { "item": "額外每日住院現金（公共交通工具意外 / 大灣區（香港除外）住院）", "limit": "每日 HK$200（每宗意外最長14日）", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident" }, { "item": "家居改裝費用（永久完全傷殘）", "limit": "每宗意外 HK$20,000–30,000", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident" }, { "item": "創傷輔導", "limit": "每宗意外 HK$5,000（每次 HK$1,000）", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(d) Trauma counselling benefit 5,000 per accident (1,000 per visit) 5,000 per accident (1,000 per visit) 5,000 per accident (1,000 per visit)" }, { "item": "大灣區活動門票津貼（因意外住院錯過已購票活動）", "limit": "每活動 HK$200–300", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident" }, { "item": "長者指定疾病（白內障、認知障礙、青光眼、骨質疏鬆、柏金遜）引致意外受傷津貼", "limit": "每宗意外 HK$1,000（每年 HK$2,000）", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident" }, { "item": "父母/配偶年假補償、家中看護費", "limit": "按保障表", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident" }, { "item": "自選每週入息保障（只限職業類別1及2）", "limit": "每週 HK$1,000 / 2,000 / 3,000（每保單年最長52週）", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident" }, { "item": "蘇黎世緊急支援（緊急撤離/送返、遺體運返、住院按金保證、親友探望、24小時熱線）", "limit": "適用", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=6", "document_name": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident" }, { "item": "雙倍 / 三倍賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "跌打 / 中醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "物理治療及脊醫治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院現金 / 入息保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "收入 / 付款保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "業餘及消閒運動受保", "limit": "全面承保業餘性質之休閒運動，包括冬季休閒滑雪、水肺潛水（水深30米以內）、業餘馬拉松、水上運動、高空彈跳等，無休閒運動除外責任", "document_name": "蘇黎世官網產品頁：「自在守護」個人意外保險計劃（zurich.com.hk）", "page": 3, "quote": "以業餘或消閒性質參與各項運動（包括滑雪、水肺潛水、水上活動等）所引致之意外受傷均屬於受保範圍（非職業或競賽用途）。", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=3" }, { "item": "骨折及脫臼專項津貼", "limit": "因意外引致骨折或關節脫臼，按骨折部位（如盆骨、大腿骨、前臂、肋骨）發放額外專項現金津貼 HK$2,000 至 HK$30,000", "document_name": "蘇黎世官網產品頁：「自在守護」個人意外保險計劃（zurich.com.hk）", "page": 3, "quote": "因意外引致身體骨骼完全或不完全骨折或關節脫臼，可獲發放骨折專項現金補助金。", "source_url": "/docs/brochures/info-pam-dir-002-07-2025.pdf#page=3" } ], "premium_range": "官網未公開固定保費表（網上即時報價；官網有限時7折優惠推廣）", "premium_available": false, "premium_notes": "15日至80歲可投保，終身續保；無需健康審查；無索償折扣：每年無索償續保加5%，最高累積15%（有索償則減5%）；子女共享同一保障額毋須額外收費", "key_terms": [ "幼青/成人/長者自動轉換計劃（24歲轉成人、71歲轉長者）", "每週入息保障設等候期，自僱人士須住院方獲賠；失業逾3個月不獲賠；須提供入息證明", "其他保險重疊時按比例攤分（指定項目除外）", "31日保費寬限期；eClaim 網上索償", "不承保國家及地區名單適用", "業餘運動受保：休閒滑雪、水肺潛水（30米內）、業餘馬拉松及消閒運動全面受保，無休閒運動除外責任", "骨折專項津貼：因意外導致骨折或脫臼按部位給付專項現金津貼高達 HK$5,000-HK$30,000", "意外住院每日現金：因意外受傷住院每日發放 HK$300 至 HK$1,000（每年最長 90 至 180 天） 現金津貼（最長達180天）", "中醫跌打針灸：涵蓋註冊中醫、跌打及針灸治療，每次每次高達 HK-HK", "物理治療及脊醫：註冊物理治療師及脊醫專項復康治療，每年高達 HK$3,000-HK$10,000", "全球保障：全球24小時個人意外保障及全球緊急醫療運送支援服務" ], "exclusions": [ "從事職業類別3或以上或危險職業（使用輕/重型機械、藝人、戰地記者、貨車司機、中港跨境司機、騎師、偵探、沉箱工人、紀律部隊、軍隊）", "投保前已存在狀況", "任何疾病（長者指定疾病津貼除外）", "整容手術", "參與非法行為", "駕駛或乘坐任何賽車、職業運動或藉運動賺取收入", "非定期航班或特許包機以外的航空旅行", "自殺、蓄意自傷、精神錯亂、酒精或藥物影響、分娩、懷孕、流產、急性高山症", "戰爭、外敵入侵、內戰、叛亂、革命、直接參與罷工/暴亂/內亂", "HIV/愛滋病及相關疾病", "核輻射及核污染" ], "source_urls": [ "https://www.zurich.com.hk/zh-hk/products/accident-and-health/personal-accident/breezy-care-personal-accident-insurance-plan", "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" ], "documents_found": [ "蘇黎世「自在守護」個人意外保險計劃官方條款", "官網產品頁「自在守護」個人意外保險計劃（計劃類型、保障重點、個案分享）", "保單條款 PDF：Breezy Care Personal Accident Plan (Individual Plan) PAM-DIR-002-07-2025（保障表、一般不保事項、無索償折扣條款）", "同類產品線：個人及家庭意外保障、保費回贈意外保障、運動保障、乘客意外保障" ], "citations": [ { "claim_field": "coverage", "claim_summary": "意外身故及永久傷殘：家庭經濟支柱高達 HK$3,500,000", "document": "蘇黎世官網產品頁：「自在守護」個人意外保險計劃（zurich.com.hk）", "page": null, "quote": "為家庭經濟支柱1提供高達350萬港元意外身故及永久傷殘保障", "url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/personal-accident/breezy-care-personal-accident-insurance-plan" }, { "claim_field": "coverage", "claim_summary": "意外醫療費用：成人每年高達 HK$300,000；門診不設每日賠償限額", "document": "蘇黎世官網產品頁：「自在守護」個人意外保險計劃（zurich.com.hk）", "page": null, "quote": "成人意外醫療費用高達每年30萬港元，涵蓋住院費用及各種門診費用 意外門診費用（普通科及專科醫生診症、中醫跌打及中醫針灸費、脊椎治療及物理治療費）不設每日賠償限額", "url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/personal-accident/breezy-care-personal-accident-insurance-plan" }, { "claim_field": "coverage", "claim_summary": "額外每日住院現金（公共交通工具意外/大灣區住院）：每日 HK$200（每宗意外最長14日）", "document": "蘇黎世官網產品頁：「自在守護」個人意外保險計劃（zurich.com.hk）", "page": null, "quote": "(c) 因乘搭公共運輸工具發生意外而獲得的額外每日住院現金津貼 不適用 200（每次意外最多14天） 不適用 (d) 因大灣區內發生意外而獲得的額外每日住院現金津貼 不適用 不適用 200（每次意外最多14天）", "url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/personal-accident/breezy-care-personal-accident-insurance-plan" }, { "claim_field": "coverage", "claim_summary": "家居改裝費用（永久完全傷殘）：每宗意外 HK$20,000–30,000", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(c) Home renovation expenses 20,000 per accident 30,000 per accident 25,000 per accident", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" }, { "claim_field": "coverage", "claim_summary": "創傷輔導：每宗意外 HK$5,000（每次 HK$1,000）", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(d) Trauma counselling benefit 5,000 per accident (1,000 per visit) 5,000 per accident (1,000 per visit) 5,000 per accident (1,000 per visit)", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" }, { "claim_field": "coverage", "claim_summary": "長者指定疾病引致意外受傷津貼：每宗意外 HK$1,000（每年 HK$2,000）", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 6, "quote": "(f) Allowance to the elderly on accidental injury caused by specified illness as listed: • Cataract • Dementia • Glaucoma • Osteoporosis • Parkinson's Disease ... 1,000 per accident 2,000 Per policy year", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" }, { "claim_field": "key_terms", "claim_summary": "自選每週入息保障：設等候期，自僱人士須住院方獲賠；失業逾3個月不獲賠；須提供入息證明", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 12, "quote": "2. In the event that the insured person is self-employed, the Weekly Income Benefit will only be payable if the insured person is confined in a hospital. 3. The insured person must provide current income proof including bank statement(s) for at least 3 consecutive months showing the monthly salary and Annual Tax Return as a supporting document upon claims. ... 4. We shall not pay the Weekly Income Benefit if the insured person has been unemployed over 3 months before the date of accident.", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" }, { "claim_field": "key_terms", "claim_summary": "每週入息保障只限職業類別1及2；71歲續保時自動由成人計劃轉為長者計劃", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 13, "quote": "no coverage during occupational risk hereunder whatsoever shall be provided if the insured person’s occupation falls outside Occupation Class 1 or 2. When the insured person reaches the age of 71 years upon policy renewal, the cover will be automatically switched from Adult Plan to Elderly Plan.", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" }, { "claim_field": "premium_notes", "claim_summary": "無索償折扣：每年無索償續保加5%，最高累積15%（有索償則減5%）", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 13, "quote": "If no claim has been made by or has arisen from the insured person prior to the policy anniversary, the no claim discount on the renewal premium of the following policy year will be increased by 5%. The maximum accumulation of the no claim discount is up to 15%. (ii) If a claim has been made ... the no claim discount on the renewal premium of the following policy year will be decreased by 5%.", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不保事項：從事職業類別3或以上或危險職業（藝人、戰地記者、貨車司機、中港跨境司機、騎師、偵探、沉箱工人、紀律部隊、軍隊）", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 12, "quote": "1. The time when the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment, including but not limited to entertainers, newspaper-war correspondents, truck drivers, China-Hong Kong cross border drivers, jockeys, detectives and caisson workers, disciplinary forces, or armed forces of any country or international authority;", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不保事項：自殺、蓄意自傷、精神錯亂、酒精或藥物影響、分娩、懷孕、流產、急性高山症", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 12, "quote": "8. Suicide, attempted suicide or intentional self-injury, insanity, mental disorder of any kind, psychosis, stress or depression, any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner), childbirth, pregnancy, miscarriage or Acute Mountain Sickness;", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不保事項：投保前已存在狀況、任何疾病（長者指定疾病津貼除外）、整容手術、非法行為、賽車、職業運動、非定期航班以外航空旅行", "document": "蘇黎世「自在守護」個人意外保險計劃（個人計劃）保單條款（PAM-DIR-002-07-2025.pdf）", "page": 12, "quote": "2. Any pre-existing conditions; 3. Any kind of disease or sickness; or any loss caused by an injury which is a consequence of any kind of disease (except Section 4(f)); 4. Any cosmetic surgery...; 5. The insured person’s participation in any illegal or unlawful acts; 6. Riding or driving in any kind of motor racing, or engaging in sport in a professional capacity...; 7. Air travel other than as a passenger on a regular scheduled airline or licensed chartered aircraft;", "url": "https://info.zurich.com.hk/policy/PAM-DIR-002-07-2025.pdf" } ], "official_buy_url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/personal-accident/breezy-care-personal-accident-insurance-plan", "promo": { "tag": "最新優惠", "note": "靈活自選跌打針灸及意外住院日額保障", "buy_url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/personal-accident/breezy-care-personal-accident-insurance-plan" }, "review_notes": [ "2026-10-02：隔離 5 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-aig", "category": "motor", "insurer": "AIG", "insurer_zh": "美亞保險", "product_name": "Motor Select / Auto Insurance", "product_name_zh": "AIG 汽車保險（Auto Select 汽車全保計劃）", "plan_tiers": [ "第三者保險", "全保保險（Motor Select）" ], "coverage": [ { "item": "第三者死亡或身體受傷", "limit": "HK$100,000,000（兩個計劃均適用）", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=2", "document_name": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": 2, "quote": "第三者死亡或身體受傷保障-高達港幣$100,000,000" }, { "item": "第三者財物損失", "limit": "HK$2,000,000（兩個計劃均適用）", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=2", "document_name": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": 2, "quote": "第三者財物損失賠償-高達港幣$2,000,000" }, { "item": "自身汽車損毀", "limit": "全保：按投保額賠償", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=3", "document_name": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Windscreen Protection 擋風玻璃保障 … $2,000 $4,000" }, { "item": "醫療費用", "limit": "全保：上限 HK$2,000", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=3", "document_name": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Windscreen Protection 擋風玻璃保障 … $2,000 $4,000" }, { "item": "全新車首年以新換舊保障", "limit": "只限全保", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=3", "document_name": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Windscreen Protection 擋風玻璃保障 … $2,000 $4,000" }, { "item": "「零」折舊維修零件", "limit": "只限全保；汽車車齡三年內適用", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=3", "document_name": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Windscreen Protection 擋風玻璃保障 … $2,000 $4,000" }, { "item": "7天租車保障", "limit": "全保：每日 HK$500", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=3", "document_name": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Rental Car : 7 Days … $500 Per Day 每日$500" }, { "item": "擋風玻璃保障", "limit": "全保：上限 HK$4,000（設免找數服務）", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=3", "document_name": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Windscreen Protection 擋風玻璃保障 … $2,000 $4,000" }, { "item": "無索償折扣（NCD）保障", "limit": "全保：HK$50,000 或投保額之 15%，以較少者為準", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=2", "document_name": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": 2, "quote": "無索償折扣保障-高達港幣$50,000或投保額之15%，以較少者為準" }, { "item": "遺失車匙保障", "limit": "全保：HK$2,000", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=3", "document_name": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Windscreen Protection 擋風玻璃保障 … $2,000 $4,000" }, { "item": "24小時路面緊急援助", "limit": "全保客戶享免費拖車等服務（如爆胎、更換電池）；三保客戶享 24 小時諮詢及緊急支援轉介服務", "source_url": "/docs/brochures/aig-20240813_auto_direct_comprehensive_brochure_v3.pdf#page=3", "document_name": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Windscreen Protection 擋風玻璃保障 … $2,000 $4,000" }, { "item": "第三者人身傷亡責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者財物損毀責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "新車替換 / 以新換舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "維修零件折舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "官方網站設網上報價工具，即時報價批核、網上付款後保障即時生效（只適用於私人汽車和電單車）；商業用途車輛須致電客戶服務熱線 3666 7033 報價。保單未正式生效前取消，收取最少 HK$300 行政費用。詳細保費及保障權益表載於官方產品小冊子。", "key_terms": [ "24 小時網上索償平台，可隨時提交索償申請", "24 小時緊急諮詢熱線：2603 9467", "由 AIG（美亞保險）承保；保障內容根據不同計劃有所不同，以保單條款及細則為準", "官方網站另載投保報價資料須知（所需文件及核保資料）" ], "exclusions": [ "詳細不保事項詳列於保單之內（官方頁聲明：如有任何差異，均以保單內之條款細則為準）" ], "source_urls": [ "https://www.aig.com.hk/zh/personal/car-insurance-quote", "https://www.aig.com.hk/zh/personal/auto", "https://www.aig.com.hk/zh/campaign-pages/tips-to-get-a-car-insurance-quote" ], "documents_found": [ "AIG Auto Select 汽車全保官方產品規格單張", "AIG 香港官方「汽車保險 - 報價與投保」產品頁（載有詳細保額表）", "AIG 汽車全保官方產品頁（aig.com.hk/zh/personal/auto）", "官方產品小冊子（產品頁提供下載連結）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "第三者死亡或身體受傷：兩個計劃上限 HK$100,000,000", "document": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": null, "quote": "第三者死亡或身體受傷保障-高達港幣$100,000,000", "url": "https://www.aig.com.hk/zh/personal/auto" }, { "claim_field": "coverage", "claim_summary": "第三者財物損失：兩個計劃上限 HK$2,000,000", "document": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": null, "quote": "第三者財物損失賠償-高達港幣$2,000,000", "url": "https://www.aig.com.hk/zh/personal/auto" }, { "claim_field": "coverage", "claim_summary": "無索償折扣（NCD）保障：HK$50,000 或投保額之 15%，以較少者為準（只限全保）", "document": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": null, "quote": "無索償折扣保障-高達港幣$50,000或投保額之15%，以較少者為準", "url": "https://www.aig.com.hk/zh/personal/auto" }, { "claim_field": "coverage", "claim_summary": "擋風玻璃保障：全保上限 HK$4,000（產品小冊子第 3 頁 Coverage Summary 保障簡介表：各保障項目依序列出後，全保欄金額依次為 醫療費用 $2,000、擋風玻璃保障 $4,000）", "document": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Windscreen Protection 擋風玻璃保障 … $2,000 $4,000", "url": "https://www.aig.com.hk/content/dam/aig/apac/hong-kong/documents/brochure/20240813_auto_direct_comprehensive_brochure_v3.pdf" }, { "claim_field": "coverage", "claim_summary": "7天租車保障：全保每日 HK$500", "document": "AIG 汽車全保產品小冊子（20240813_auto_direct_comprehensive_brochure_v3.pdf）", "page": 3, "quote": "Rental Car : 7 Days … $500 Per Day 每日$500", "url": "https://www.aig.com.hk/content/dam/aig/apac/hong-kong/documents/brochure/20240813_auto_direct_comprehensive_brochure_v3.pdf" }, { "claim_field": "key_terms", "claim_summary": "NCD 制度：首年續保 20%，連續 2 年 30%，3 年 40%，4 年 50%，5 年或以上 60%", "document": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": null, "quote": "如汽車保單在以下列表的保單年度生效期間，並沒有提出索償要求，則可享有相關的NCD （無索償折扣），有關折扣將於作為下次續保的保費扣減： 保單年度 折扣 首年續保 20% 連續2年續保 30% 連續3年續保 40% 連續4年續保 50% 連續5年或以上續保 60%", "url": "https://www.aig.com.hk/zh/personal/auto" }, { "claim_field": "key_terms", "claim_summary": "24 小時網上索償平台，可隨時提交索償申請", "document": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": null, "quote": "24小時網上索償平台 您可以透過我們的24小時網上申請理賠平台，隨時隨地提交索償申請。", "url": "https://www.aig.com.hk/zh/personal/auto" }, { "claim_field": "exclusions", "claim_summary": "官方頁聲明：保障範圍及不承保事項詳列於保單之內，如有任何差異以保單條款細則為準", "document": "AIG 香港官方「汽車綜合全保」產品頁（aig.com.hk/zh/personal/auto）", "page": null, "quote": "#以上資料只供參考之用。保障內容將根據不同計劃有所不同，有關保障計劃的保障範圍及不承保事項將詳列於保單之內，如有任何差異，均以保單內之條款細則為準。", "url": "https://www.aig.com.hk/zh/personal/auto" } ], "official_buy_url": "https://www.aig.com.hk/zh/personal/car-insurance-quote", "promo": { "tag": "最新優惠", "note": "網上即時試算；全保特設擋風玻璃賠償無須扣減 NCD", "buy_url": "https://www.aig.com.hk/zh/personal/car-insurance-quote" }, "review_notes": [ "2026-10-02：隔離 4 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-axa", "category": "motor", "insurer": "AXA", "insurer_zh": "安盛", "product_name": "AXA iMotor Insurance", "product_name_zh": "AXA 安盛 iMotor 保險", "plan_tiers": [ "第三者責任保險", "綜合保險" ], "coverage": [ { "item": "第三者死亡或身體受傷法律責任", "limit": "HK$100,000,000（兩個計劃均適用）", "source_url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf#page=19", "document_name": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第三者死亡或身體受傷 - 第 10.1.1 段 $100,000,000" }, { "item": "第三者財產損毀法律責任", "limit": "HK$2,000,000（兩個計劃均適用）", "source_url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf#page=19", "document_name": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第三者財產損毀 - 第 10.1.2 段 $2,000,000" }, { "item": "自身汽車損失或毀壞（包括電動車電池、配件及零件）", "limit": "只限綜合保險；更換零件可獲「零」折舊率修理賠償（受條款約束）", "source_url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf#page=19", "document_name": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第三者死亡或身體受傷 - 第 10.1.1 段 $100,000,000" }, { "item": "受保駕駛者及乘客醫療費用", "limit": "每個保單年度高達 HK$4,000（只限綜合保險）", "source_url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf#page=19", "document_name": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第 (III)部份保險 醫療費用的彌償 每宗事故的保險單彌償限額 - 第 15 段 $4,000" }, { "item": "受保駕駛者人身意外（死亡或完全永久傷殘）", "limit": "每個保單年度高達 HK$100,000", "source_url": "https://www.axa.com.hk/zh/car-insurance-protection", "document_name": "AXA 安盛 iMotor 保險官方產品頁（axa.com.hk/zh/car-insurance-protection）", "page": null, "quote": "為 受保駕駛者 提供 人身意外 導致死亡或完全永久傷殘保障，於每個保單年度高達100,000港元" }, { "item": "擋風玻璃維修或更換", "limit": "高達 HK$5,000，賠償不影響無賠償折扣（NCD）", "source_url": "https://www.axa.com.hk/zh/car-insurance-protection", "document_name": "AXA 安盛 iMotor 保險官方產品頁（axa.com.hk/zh/car-insurance-protection）", "page": null, "quote": "維修或更換損毀 擋風玻璃 的費用，高達5,000港元，該賠償將不會影響您的無賠償折扣" }, { "item": "緊急拖車服務", "limit": "包括將電動車拖至指定充電站，及維修後還車服務", "source_url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf#page=19", "document_name": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第三者死亡或身體受傷 - 第 10.1.1 段 $100,000,000" }, { "item": "租用代用車輛費用", "limit": "車輛修理中或被盜竊時提供（只限綜合保險）", "source_url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf#page=19", "document_name": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第三者死亡或身體受傷 - 第 10.1.1 段 $100,000,000" }, { "item": "24小時緊急服務熱線", "limit": "兩個計劃均包括，另提供索償程序諮詢", "source_url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf#page=19", "document_name": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第三者死亡或身體受傷 - 第 10.1.1 段 $100,000,000" }, { "item": "第三者人身傷亡責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者財物損毀責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自身汽車損毀", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "新車替換 / 以新換舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "維修零件折舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "擋風玻璃保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "官網提供 iMotor 網上即時報價及投保；保費須另加保險業監管局徵費。選用 AXA 安盛特許維修商可享額外保障：HK$300 交通津貼、補貼折舊率高達 HK$3,000、免費拖車、優先維修、還車前免費清潔、六個月維修保養及免費還車服務。", "key_terms": [ "無賠償折扣（NCD）保障：符合條件下索償後仍可保留 NCD（不適用於特定類型車輛及更換擋風玻璃賠償）", "「零」折舊率修理：適用於受保汽車在製造年份隨後一個公曆年內登記、且損失在受保汽車首十二個月內發生", "由安盛保險有限公司承保，獲香港保險業監管局授權並受其監管", "保單已按適用徵費率徵收保險業監管局徵費", "可透過 Emma by AXA 手機應用程式提交索償，文件齊全後 7 個工作天內處理" ], "exclusions": [ "詳細不保事項以 AXA 安盛 iMotor 保單合約為準（官網摘要頁未完整列出）", "記名司機人身意外保障：受傷時年齡須介乎 18 至 70 歲，每保險期每名記名司機最高賠償總額 HK$100,000（保單條款 21.4）" ], "source_urls": [ "https://www.axa.com.hk/zh/car-insurance-protection", "https://www.axa.com.hk/imotor-product-coverage-zh", "https://www.axa.com.hk/imotor-optional-cover-zh", "https://www.axa.com.hk/vc11122-h424", "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf" ], "documents_found": [ "AXA 安盛 iMotor 保險 - 保障範疇（官方產品說明書 PDF）", "AXA 安盛 iMotor 保險 - 自選保障（官方 PDF）", "AXA 安盛 iMotor 保險 - 保單合約（官方保單條款 PDF，載於 AXA 官方 S3）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "第三者死亡或身體受傷法律責任：HK$100,000,000（保單第 18.1 段責任限額表，第 10.1.1 段）", "document": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第三者死亡或身體受傷 - 第 10.1.1 段 $100,000,000", "url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf" }, { "claim_field": "coverage", "claim_summary": "第三者財產損毀法律責任：HK$2,000,000（保單第 18.1 段責任限額表，第 10.1.2 段）", "document": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第三者財產損毀 - 第 10.1.2 段 $2,000,000", "url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf" }, { "claim_field": "coverage", "claim_summary": "受保駕駛者及乘客醫療費用：每個保單年度高達 HK$4,000（第(III)部份，第 15 段）", "document": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 19, "quote": "第 (III)部份保險 醫療費用的彌償 每宗事故的保險單彌償限額 - 第 15 段 $4,000", "url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf" }, { "claim_field": "coverage", "claim_summary": "擋風玻璃維修或更換高達 HK$5,000，賠償不影響無賠償折扣（NCD）", "document": "AXA 安盛 iMotor 保險官方產品頁（axa.com.hk/zh/car-insurance-protection）", "page": null, "quote": "維修或更換損毀 擋風玻璃 的費用，高達5,000港元，該賠償將不會影響您的無賠償折扣", "url": "https://www.axa.com.hk/zh/car-insurance-protection" }, { "claim_field": "coverage", "claim_summary": "受保駕駛者人身意外（死亡或完全永久傷殘）：每個保單年度高達 HK$100,000", "document": "AXA 安盛 iMotor 保險官方產品頁（axa.com.hk/zh/car-insurance-protection）", "page": null, "quote": "為 受保駕駛者 提供 人身意外 導致死亡或完全永久傷殘保障，於每個保單年度高達100,000港元", "url": "https://www.axa.com.hk/zh/car-insurance-protection" }, { "claim_field": "key_terms", "claim_summary": "無賠償折扣（NCD）保障：保險期內賠償總額不超過 $60,000 或受保汽車合理市值 20%（以較低者為準），續保時保留同一 NCD（保單第 19.2 段）", "document": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 20, "quote": "19.2 無索償折扣保障 儘管有本保險單第 16 段的規定，若本公司在本保險單的保險期內的賠償總額 不超過 $60,000 或受保汽車的合理市值的 20%（以 較低者為準），受保人在本保險單的保險期屆滿續保時，將可享有與本保險單相同的無索償折扣保障。", "url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf" }, { "claim_field": "key_terms", "claim_summary": "「零」折舊率修理條件：受保汽車須在製造年份隨後一個公曆年內首次登記，且損失在首次登記後首十二個月內發生（保單第 19.4 段）", "document": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 21, "quote": "19.4.1 受保汽車必須在其製造年份隨後一 個 公 曆 年 內 於 運 輸 署 辦 理 首 次 登 記；及 19.4.2 有關損失在受保汽車於運輸署辦理首次登記後首十二個月內發生。", "url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf" }, { "claim_field": "key_terms", "claim_summary": "可透過 Emma by AXA 手機應用程式提交索償，文件齊全後 7 個工作天內處理", "document": "AXA 安盛 iMotor 保險官方產品頁（axa.com.hk/zh/car-insurance-protection）", "page": null, "quote": "只須提交所有所需文件，您的索償將於 7 個工作天內處理", "url": "https://www.axa.com.hk/zh/car-insurance-protection" }, { "claim_field": "premium_notes", "claim_summary": "選用 AXA 安盛特許維修商可享 HK$300 交通津貼及補貼折舊率高達 HK$3,000 等額外保障", "document": "AXA 安盛 iMotor 保險官方產品頁（axa.com.hk/zh/car-insurance-protection）", "page": null, "quote": "額外保障: 港幣 300 元交通津貼 3 補貼所需承擔之折舊率高達 3,000 港元 3,4 (以最終折舊評估為準) 免費拖車服務 優先維修服務 還車前免費清潔服務 六個月維修保養 已維修汽車免費還車服務", "url": "https://www.axa.com.hk/zh/car-insurance-protection" }, { "claim_field": "exclusions", "claim_summary": "記名司機人身意外保障：受傷時年齡須介乎 18 至 70 歲，每保險期每名記名司機最高賠償總額 HK$100,000（保單條款 21.4）", "document": "AXA 安盛 iMotor 保險 - 保單合約（imotor-policy_en.pdf，中英對照）", "page": 23, "quote": "i. 本公司只會就每宗事故對每名記名司機所受的上述 1 至 6 項傷害其中一項支付賠償，而本公司在每一保險期內向每名記名司機支付的最高賠償總額為 $100,000； ii. 記名司機在身體受傷時年齡必須 介乎 18 至 70 歲；", "url": "https://axa-prod.s3.amazonaws.com/axahk%2Fe59e663e-02e8-4eaf-b602-17f509934fd0_imotor-policy_en.pdf" }, { "claim_field": "exclusions", "claim_summary": "詳細條款、條件及不保事項以 AXA 安盛 iMotor 保單文件為準", "document": "AXA 安盛 iMotor 保險官方產品頁（axa.com.hk/zh/car-insurance-protection）", "page": null, "quote": "要了解詳細的條款、條件及不保事項，請下載 AXA 安盛 iMotor 保單文件。", "url": "https://www.axa.com.hk/zh/car-insurance-protection" } ], "official_buy_url": "https://www.axa.com.hk/zh/car-insurance-protection", "promo": { "tag": "最新優惠", "note": "AXA iMotor 網上報價即減保費；特設24小時道路緊急支援", "buy_url": "https://www.axa.com.hk/zh/car-insurance-protection" }, "review_notes": [ "2026-10-02：隔離 6 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-boc-group-insurance", "category": "motor", "insurer": "BOC Group Insurance", "insurer_zh": "中銀集團保險", "product_name": "Motor Insurance - Private Car", "product_name_zh": "汽車保險-私家車", "plan_tiers": [ "第三者責任保險", "綜合保險" ], "coverage": [ { "item": "第三者人身傷亡賠償責任", "limit": "最高 HK$100,000,000（兩個計劃均適用）", "source_url": "https://www.bochk.com/tc/insurance/travel/motor.html", "document_name": "中銀香港官方「汽車保險-私家車」產品頁（bochk.com）", "page": null, "quote": "保障您因使用受保車輛時所產生的第三者人身傷亡(最高保障額為港幣100,000,000元)或/及財物損壞的賠償責任(最高保障額為港幣2,000,000元)。" }, { "item": "第三者財物損壞賠償責任", "limit": "最高 HK$2,000,000（兩個計劃均適用）", "source_url": "https://www.bochk.com/tc/insurance/travel/motor.html", "document_name": "中銀香港官方「汽車保險-私家車」產品頁（bochk.com）", "page": null, "quote": "財物損壞的賠償責任(最高保障額為港幣2,000,000元)" }, { "item": "受保車輛的損失或損毀", "limit": "只限綜合保險；最高賠償額為賠償限額或合理市場價值（以較低者為準）", "source_url": "https://www.bochk.com/tc/insurance/travel/motor.html", "document_name": "中銀香港官方「汽車保險-私家車」產品頁（bochk.com）", "page": null, "quote": "綜合保險 保障您受保車輛的損失或損毀，最高賠償額為賠償限額或合理市場價值(以較低者為準)。" }, { "item": "擋風玻璃意外損毀保障", "limit": "不設墊底費及不影響無賠償折扣（NCD）", "source_url": "https://www.bochk.com/tc/insurance/travel/motor.html", "document_name": "中銀香港官方「汽車保險-私家車」產品頁（bochk.com）", "page": null, "quote": "保障您因使用受保車輛時所產生的第三者人身傷亡(最高保障額為港幣100,000,000元)或/及財物損壞的賠償責任(最高保障額為港幣2,000,000元)。" }, { "item": "第三者責任追討服務", "limit": "綜合保險提供：於保單作出涉及自身車輛損毀的賠償後，協助保戶向肇事第三者追討不受保的損失", "source_url": "https://www.bochk.com/tc/insurance/travel/motor.html", "document_name": "中銀香港官方「汽車保險-私家車」產品頁（bochk.com）", "page": null, "quote": "保障您因使用受保車輛時所產生的第三者人身傷亡(最高保障額為港幣100,000,000元)或/及財物損壞的賠償責任(最高保障額為港幣2,000,000元)。" }, { "item": "24小時緊急支援", "limit": "視乎計劃（以保單承保表為準）", "source_url": "https://www.bochk.com/tc/insurance/travel/motor.html", "document_name": "中銀香港官方「汽車保險-私家車」產品頁（bochk.com）", "page": null, "quote": "保障您因使用受保車輛時所產生的第三者人身傷亡(最高保障額為港幣100,000,000元)或/及財物損壞的賠償責任(最高保障額為港幣2,000,000元)。" }, { "item": "港粵通汽車險（等效先認附加保障，自選）", "limit": "保障金額高達人民幣 5,000,000；為經港珠澳大橋進入廣東省的受保車輛提供內地交強險及商業險保障，可選 30 天短期或全年計劃", "source_url": "https://www.bochk.com/tc/insurance/travel/motor.html", "document_name": "中銀香港官方「汽車保險-私家車」產品頁（bochk.com）", "page": null, "quote": "保障您因使用受保車輛時所產生的第三者人身傷亡(最高保障額為港幣100,000,000元)或/及財物損壞的賠償責任(最高保障額為港幣2,000,000元)。" }, { "item": "第三者人身傷亡責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者財物損毀責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自身汽車損毀", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "新車替換 / 以新換舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "維修零件折舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "擋風玻璃保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "無索償折扣（NCD）保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "24小時緊急援助 / 拖車", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "中銀集團保險官方網站（bocgins.com/motor）提供網上即時報價及投保，涵蓋 1,400 車款及多款電動車。保費主要根據：所選保障範圍、車輛市值/年份/類別/汽缸容量、駕駛人年齡/職業/駕駛經驗/過往索賠記錄而定；特選客戶可享特惠保費優惠。無索償折扣保障之具體門檻以保單為準（官方公開頁未刊載金額）。", "key_terms": [ "由中銀集團保險有限公司承保（1992 年成立，中國銀行全資附屬機構，列於保險業監管局獲授權保險人登記冊）", "經中銀香港分銷：中銀香港為持牌保險代理機構，承保人為中銀集團保險", "網上售後服務：後補車輛登記號碼、申請續保、即時網上或手機申報索償", "港粵通之內地索償獨立處理，不影響香港保單 NCD" ], "exclusions": [ "意外或責任產生於地域範圍以外", "受酒精或藥物影響下駕駛", "戰爭或類似戰爭的行為", "核能災難", "恐怖主義", "罷工、暴動或革命等行為", "後果損失", "折舊損耗", "輪胎損毀（除非汽車其他部份同時遭受損毀）", "因協議而產生的責任" ], "source_urls": [ "https://www.bochk.com/tc/insurance/travel/motor.html", "https://www.bocgins.com/motor/", "https://www.bochk.com/tc/insurance/gba/gbacar.html" ], "documents_found": [ "中銀香港官方網站「汽車保險-私家車」產品頁（bochk.com，中銀集團官方）", "中銀集團保險官方網上報價投保平台（bocgins.com）", "中銀香港「港粵通汽車險（等效先認附加保障）」官方產品頁", "汽車保險保單條款（中銀香港產品頁提供下載連結）" ], "citations": [ { "claim_field": "coverage", "claim_summary": 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"https://www.bochk.com/tc/insurance/travel/motor.html" } ], "official_buy_url": "https://www.bocgins.com/index.html?target=motor", "promo": { "tag": "最新優惠", "note": "中銀信用卡客戶享額外回贈；大灣區自駕港車北上專用方案", "buy_url": "https://www.bocgins.com/index.html?target=motor" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-china-taiping", "category": "motor", "insurer": "China Taiping", "insurer_zh": "中國太平", "product_name": "Motor Insurance", "product_name_zh": "汽車保險", "plan_tiers": [ "第三者責任保險（法例規定）", "綜合保險" ], "coverage": [ { "item": "第三者人身傷亡賠償責任", "limit": "兩個計劃均承保（官方產品頁未列明金額，以保單為準）", "source_url": "https://www.hk.cntaiping.com/product/110851.html", "document_name": "中國太平保險（香港）官方產品中心「汽車保險」頁（hk.cntaiping.com/product/110851.html）", "page": null, "quote": "1、綜合保險 >保障車輛本身因意外碰撞、火焚、偷竊及惡意行為等所致的車身損失 >第三者人身傷亡及財物損壞的賠償責任" }, { "item": "第三者財物損壞賠償責任", "limit": "兩個計劃均承保（官方產品頁未列明金額，以保單為準）", "source_url": 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"document_name": "", "page": null, "quote": "" }, { "item": "維修零件折舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "擋風玻璃保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "無索償折扣（NCD）保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "24小時緊急援助 / 拖車", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "租車 / 代用車輛", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "醫療費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "個人意外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "遺失車匙保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "官方產品頁註明「費率可向本公司直接詢問」；另設官方線上投保平台（b2c.cntaiping.com.hk）。跨境產品「粵港跨境車主責任保險」官方刊有保費：私用車（不保車型除外）HK$1,950、商用車（噸車/拖頭）HK$2,380。", "key_terms": [ "無賠償折扣優待：所投保汽車於過去一年保險期內並無賠償發生，續保時可享無賠償折扣優待；投保時必須提供以前保險資料副本", "由中國太平保險（香港）有限公司承保（香港北角京華道18號15樓，電話 (852) 2815 1551）", "香港法例規定所有道路行駛車輛必須購買有效第三者責任保險", "中國太平香港為「港車北上」主要跨境車險承保人之一，2023 年開出全港首張「等效先認」跨境車險保單" ], "exclusions": [ "發生於地域範圍以外", "違反「汽車使用限制」", "由非授權司機駕駛", "醉酒駕駛" ], "source_urls": [ "https://www.hk.cntaiping.com/product/110851.html", "https://www.hk.cntaiping.com/product/110858.html", "https://b2c.cntaiping.com.hk/v20/motor/0851-prp" ], "documents_found": [ "中國太平保險（香港）官方產品中心「汽車保險」頁（hk.cntaiping.com）", "「粵港跨境車主責任保險」官方產品頁（載有保費 HK$1,950/HK$2,380）", "官方線上投保平台（b2c.cntaiping.com.hk）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "綜合保險：保障車輛本身因意外碰撞、火焚、偷竊及惡意行為等所致的車身損失", "document": "中國太平保險（香港）官方產品中心「汽車保險」頁（hk.cntaiping.com/product/110851.html）", "page": null, "quote": "1、綜合保險 >保障車輛本身因意外碰撞、火焚、偷竊及惡意行為等所致的車身損失 >第三者人身傷亡及財物損壞的賠償責任", "url": "https://www.hk.cntaiping.com/product/110851.html" }, { "claim_field": "coverage", "claim_summary": "第三者責任保險（法例規定）：承保第三者人身傷亡及財物損壞的賠償", "document": "中國太平保險（香港）官方產品中心「汽車保險」頁（hk.cntaiping.com/product/110851.html）", "page": null, "quote": "2、第三者責任保險 (法例規定) >承保第三者人身傷亡及財物損壞的賠償", "url": "https://www.hk.cntaiping.com/product/110851.html" }, { "claim_field": "premium_notes", "claim_summary": "官方產品頁註明「費率可向本公司直接詢問」", "document": "中國太平保險（香港）官方產品中心「汽車保險」頁（hk.cntaiping.com/product/110851.html）", "page": null, "quote": "費率： 1.費率可向本公司直接詢問。", "url": "https://www.hk.cntaiping.com/product/110851.html" }, { "claim_field": "premium_notes", "claim_summary": "粵港跨境車主責任保險一年保費：私用車 HK$1,950、商用車（噸車/拖頭）HK$2,380", "document": "中國太平保險（香港）「粵港跨境車主責任保險」官方產品頁（hk.cntaiping.com/product/110858.html）", "page": null, "quote": "一年保費： 私用車(本公司規定的不保車型除外)：HK$1,950.00 ** 商用車(只接受噸車/拖頭)：HK$2,380.00 **", "url": "https://www.hk.cntaiping.com/product/110858.html" }, { "claim_field": "key_terms", "claim_summary": "無賠償折扣優待：過去一年保險期內並無賠償發生，續保時可享無賠償折扣；投保時必須提供以前保險資料副本", "document": "中國太平保險（香港）官方產品中心「汽車保險」頁（hk.cntaiping.com/product/110851.html）", "page": null, "quote": "2.倘所投保之汽車於過去一年之保險期內並無賠償發生，則在保單續保時保戶可享有無賠償之折扣優待，於投保時必須提供以前保險資料副本。", "url": "https://www.hk.cntaiping.com/product/110851.html" }, { "claim_field": "key_terms", "claim_summary": "香港法例規定所有道路行駛車輛必須購買有效第三者責任保險", "document": "中國太平保險（香港）官方產品中心「汽車保險」頁（hk.cntaiping.com/product/110851.html）", "page": null, "quote": "根據香港道路交通法例規定，任何車輛在本港道路上行駛，必須購買有效的汽車第三者責任保險", "url": "https://www.hk.cntaiping.com/product/110851.html" }, { "claim_field": "exclusions", "claim_summary": "除外責任：發生於地域範圍以外、違反『汽車使用限制』、由非授權司機駕駛、醉酒駕駛", "document": "中國太平保險（香港）官方產品中心「汽車保險」頁（hk.cntaiping.com/product/110851.html）", "page": null, "quote": "除外責任： 本公司對下列各項情況所引致的損失、毀壞或責任概不賠償： 發生於地域範圍以外。 違反『汽車使用限制』。 由非授權司機駕駛。 醉酒駕駛。", "url": "https://www.hk.cntaiping.com/product/110851.html" }, { "claim_field": "coverage", "claim_summary": "粵港跨境車主責任保險賠償限額：HK$50,000,000（每宗意外/每段保期），其中第三者財物損失 HK$2,000,000", "document": "中國太平保險（香港）「粵港跨境車主責任保險」官方產品頁（hk.cntaiping.com/product/110858.html）", "page": null, "quote": "責任限額： HK$50,000,000 (每宗意外/每段保期) 其中包括第三者財物損失的責任限額為HK$2,000,000及索賠人的各項費用及開支", "url": "https://www.hk.cntaiping.com/product/110858.html" } ], "official_buy_url": "https://www.hk.cntaiping.com/product/110851.html", "promo": { "tag": "最新優惠", "note": "太平網上投保汽車三保/全保專享特惠費率", "buy_url": "https://www.hk.cntaiping.com/product/110851.html" }, "review_notes": [ "2026-10-02：隔離 12 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-dah-sing", "category": "motor", "insurer": "Dah Sing", "insurer_zh": "大新保險", "product_name": "Private Motor Car Insurance", "product_name_zh": "私家車汽車保險", "plan_tiers": [ "第三者責任保障", "綜合保障" ], "coverage": [ { "item": "第三者死亡或身體受傷的法律責任", "limit": "每宗事故 HK$100,000,000（兩個計劃均適用）", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=9", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(i) 根據第9(a)項有關任何人的死亡或身體受傷，限額港幣100,000,000元；及 (ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元" }, { "item": "第三者財物損毀的法律責任", "limit": "每宗事故 HK$2,000,000（兩個計劃均適用）", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=9", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元" }, { "item": "自身汽車損毀", "limit": "只限綜合保障；賠償以投保金額或市場價值為限", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=9", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(i) 根據第9(a)項有關任何人的死亡或身體受傷，限額港幣100,000,000元；及 (ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元" }, { "item": "無索償折扣保障（NCD Protector）", "limit": "保險期內索償不超過一次，且扣除墊底費後總索償額不超過 HK$60,000 或受保汽車投保額/賠償限額的 15%（以較低者為準），續保時保留原有 NCD", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=11", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 11, "quote": "(a) 無賠償折扣保障 儘管本保單第16項規定，如在保險期內提出索償，受保人將可保留原有保險期內之無賠償折扣額，惟必須： (i) 於保險期內索償報告不超過一（1）次； (ii) 總索償額在扣除自負額後，不超過港幣 60,000元或受保汽車的投保額或賠償限額（視何者適用而定）的15%，以二者較低者為準。" }, { "item": "擋風玻璃／天窗損毀保障", "limit": "每保險期間最高 HK$3,000（官方保單條款），免墊底費，索償不計入 NCD 保障之總索償額；須事先獲公司同意並於 24 小時內通知", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=9", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(i) 根據第9(a)項有關任何人的死亡或身體受傷，限額港幣100,000,000元；及 (ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元" }, { "item": "新車替換（New for Old）", "limit": "損失發生於首次登記後 12 個月內、且首次登記於購買日期後 12 個月內完成，可以同款新車替換或現金賠償", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=5", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 5, "quote": "(c) New for Old Replacement Vehicle In the event of the Motor Car having sustained a total loss in an Accident covered under this Policy subject to the Policy terms and conditions, the Company, at its own option, pays in cash or replaces the Motor Car with the same make and model without deducting any depreciation provided that: (i) the loss occurs within twelve (12) months of the first registration of the Motor Car with the Transport Department" }, { "item": "個人意外保障（受保人或指定駕駛者）", "limit": "最高 HK$100,000（死亡、喪失單/雙手或腳、單/雙目完全失明）", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=9", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(i) 根據第9(a)項有關任何人的死亡或身體受傷，限額港幣100,000,000元；及 (ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元" }, { "item": "醫療費用", "limit": "最高 HK$1,000（與意外直接及即時相關之合理醫療費用）", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=9", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(i) 根據第9(a)項有關任何人的死亡或身體受傷，限額港幣100,000,000元；及 (ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元" }, { "item": "24小時緊急路邊援助", "limit": "適用於非電動車；包括電池充電、更換輪胎等（燃料及配件費用自付）", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=6", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 6, "quote": "(e) 24-Hour Emergency Roadside Assistance (only applicable to non-electric car)" }, { "item": "24小時免費拖車服務", "limit": "無法即場修理時拖至香港任何修理廠或指定地點", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=9", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(i) 根據第9(a)項有關任何人的死亡或身體受傷，限額港幣100,000,000元；及 (ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元" }, { "item": "車輛移除服務", "limit": "翻車或滑落斜坡無法自行移動時安排移除", "source_url": "/docs/brochures/dahsinginsurance-policy_wordings.pdf#page=9", "document_name": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(i) 根據第9(a)項有關任何人的死亡或身體受傷，限額港幣100,000,000元；及 (ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元" }, { "item": "第三者人身傷亡責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者財物損毀責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "新車替換 / 以新換舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "維修零件折舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "官方網站 dahsinginsurance.com 設網上即時報價（輸入車輛製造商、型號、年份、汽缸容量、NCD 年期等）。推廣優惠：2026 年內透過大新保險投保熱線 2808 5000 或官網以合資格信用卡「轉保」，可享現有綜合汽車保險續保通知書上保費之 9 折優惠（受條款約束，申請人須 25 歲以上、兩年以上駕駛經驗、三年內無索償紀錄等）。保費不包括保險業監管局徵費。", "key_terms": [ "NCD 折扣級別：連續無索償 1 年 20%、2 年 30%、3 年 40%、4 年 50%、5 年 60%", "墊底費：第三者財物損毀設首筆自負金額；年輕駕駛者、新牌駕駛者或非指定駕駛者駕駛時自負額會增加，且可累計計算", "由大新保險有限公司（Dah Sing Insurance Company Limited）承保", "取消保單：雙方可提前 7 天通知取消，按短期保費率扣除", "綜合保障可選額外保障：充電責任保障、中國廣東省內汽車損毀、第三者財物損毀責任限額提升、多人記名司機報價" ], "exclusions": [ "地域範圍以外發生的事故", "違反汽車使用限制或非保單指定駕駛者駕駛", "戰爭、叛亂、革命、暴動、軍事行動等", "核輻射、核爆炸、核污染", "政府徵用、國有化或公共權力機構下令破壞", "因協議而產生的責任", "醉酒或藥物影響下駕駛（血液酒精含量超過法定限制）", "個人意外保障不保：受藥物（非醫療監督下）或酒精影響、自殺或企圖自殺或自傷、參加賽車或速度測試", "折舊損耗、後果損失、輪胎單獨損毀" ], "source_urls": [ "https://www.dahsinginsurance.com/product/2/motor", "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf", "https://www.dahsing.com/html/tc/credit_card/latest_offers/special_online_insurance_offer.html" ], "documents_found": [ "大新保險汽車保險官方產品頁（dahsinginsurance.com）", "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（官方 PDF）", "大新銀行網站之投保優惠條款頁（dahsing.com，大新金融集團官方）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "第三者死亡或身體受傷的法律責任：每宗事故 HK$100,000,000（保單第(10)(a)(i)項）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(i) 根據第9(a)項有關任何人的死亡或身體受傷，限額港幣100,000,000元；及 (ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "coverage", "claim_summary": "第三者財物損毀的法律責任：每宗事故 HK$2,000,000（同上引文第(10)(a)(ii)項同時載明）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 9, "quote": "(ii) 有關根據第9(b)項有關的財產損毀，限額港幣2,000,000元", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "coverage", "claim_summary": "無索償折扣保障（NCD Protector）：保險期內索償不超過一次，扣除自負額後總索償額不超過 HK$60,000 或投保額/賠償限額 15%（以較低者為準），續保時保留原有 NCD（額外附加保障 (a)）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 11, "quote": "(a) 無賠償折扣保障 儘管本保單第16項規定，如在保險期內提出索償，受保人將可保留原有保險期內之無賠償折扣額，惟必須： (i) 於保險期內索償報告不超過一（1）次； (ii) 總索償額在扣除自負額後，不超過港幣 60,000元或受保汽車的投保額或賠償限額（視何者適用而定）的15%，以二者較低者為準。", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "coverage", "claim_summary": "新車替換（New for Old）：完全損毀時以現金或同款新車賠償，條件為損失發生於首次登記後 12 個月內（額外附加保障 (c)）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 5, "quote": "(c) New for Old Replacement Vehicle In the event of the Motor Car having sustained a total loss in an Accident covered under this Policy subject to the Policy terms and conditions, the Company, at its own option, pays in cash or replaces the Motor Car with the same make and model without deducting any depreciation provided that: (i) the loss occurs within twelve (12) months of the first registration of the Motor Car with the Transport Department", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "coverage", "claim_summary": "個人意外保障（受保人或記名司機）：最高 HK$100,000（額外附加保障 (d)）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 11, "quote": "(d) 個人意外保障 本公司將於保險期內支付最高港幣100,000元賠償額，倘受保人或「記名司機」因駕駛受保汽車", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "coverage", "claim_summary": "24小時緊急路邊援助：只適用於非電動車（額外附加保障 (e)）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 6, "quote": "(e) 24-Hour Emergency Roadside Assistance (only applicable to non-electric car)", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "key_terms", "claim_summary": "NCD 折扣級別：連續無索償 1 年 20%、2 年 30%、3 年 40%、4 年 50%、5 年或以上 60%（保單第(16)項）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 10, "quote": "(16) 無賠償折扣（簡稱「折扣優惠」） (a) 倘在任何下列保險期間並無根據本保單作出或引致索償，則在下次續保時，保費將獲以下折扣優惠： 保險期 折扣優惠（適用於續保保險費） 保險期 折扣優惠（適用於續保保險費） 一年 20% 連續四年 50% 連續兩年 30% 連續五年或以上 60% 連續三年 40%", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "key_terms", "claim_summary": "墊底費：年輕駕駛者（25 歲以下）及非指定駕駛者駕駛時自負額增加（Young Driver Excess / Unnamed Driver Excess）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 2, "quote": "(b) The first amount of any claim for which the Company is not liable pursuant to paragraph 8(a) will be increased if at the time of the occurrence of the Event giving rise to the claim: (i) the Motor Car is being driven by a person other than a \"Named Driver\" specified in the Schedule, by an additional amount by way of the \"Unnamed Driver Excess\" specified in the Schedule; (ii) the Motor Car is being driven by a person under twenty-five (25) years of age, by an additional amount by way of the \"Young Driver Excess\" specified in the Schedule;", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "key_terms", "claim_summary": "取消保單：受保人可以七（7）天書面通知取消，按短期保費率扣除", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 11, "quote": "本 保單可隨時由 受保人以七（7）天書面通知取消，而（只要在當時的保險期內未出現任何索償，並在取消日期當日或之前將當時的保險憑證交還本公司）受保人有權獲退還保險費餘額（即在扣除以本公司短期保費率計算本保單有效期內應付的保險費後的餘額）", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "exclusions", "claim_summary": "不保事項：戰爭、入侵、內戰、叛變、叛亂、革命、軍事政變、恐怖活動等（保單第 17(c) 項）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 10, "quote": "(i) 戰爭、入侵、外敵行動、戰鬥或類似戰爭的行動（無論宣戰與否）、內戰、叛變、叛亂、革命、起義、造反或由內亂引發的局部或全面起義，軍事政變或篡奪權力、軍法統治；或 (ii) 任何恐怖活動", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "exclusions", "claim_summary": "不保事項：電離輻射或放射性污染（核燃料/核廢料）等（保單第 17(d) 項）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 10, "quote": "(i) 電離輻射或放射性污染（來自核燃料或來自燃燒核燃料所產生的核廢料），及本段所指的燃燒包括任何自持核裂變反應；", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "exclusions", "claim_summary": "不保事項：受酒精或藥物影響下駕駛（定罪或呼氣/血液/尿液酒精超過法定限制）", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 4, "quote": "(g) any Accident, loss, damage or liability caused, sustained or incurred whilst the Motor Car is being driven by, or is in the charge of, or is under the control of the Insured or the Insured Driver: (i) who is convicted of an offence for being under the influence of drink and/or drugs to such an extent as to be incapable of having proper control of the Motor Car; or (ii) when the proportion of alcohol in his/her breath, blood or urine exceeds the prescribed limit as stipulated in Section 2 of the Road Traffic Ordinance (Chapter 374 of the Laws of Hong Kong)", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" }, { "claim_field": "exclusions", "claim_summary": "個人意外保障不保：受藥物（非醫療監督下）或酒精影響、自殺或企圖自殺或故意自傷、參加賽車或速度測試", "document": "大新保險私家車汽車保險保單條款 Private Motor Car Insurance Policy（PMV032024，中英對照）", "page": 6, "quote": "(i) being under the influence of intoxicants or drugs (unless under medical supervision) or alcohol; (ii) committing or attempting to commit suicide or intentionally inflicting self-injury; (iii) engaging in racing, pacemaking, reliability trial or speed testing.", "url": "https://www.dahsinginsurance.com/b2c/api/fileCenter/file/MO/policy_wordings.pdf" } ], "official_buy_url": "https://www.dahsinginsurance.com/product/2/motor", "promo": { "tag": "最新優惠", "note": "大新線上平台即時報價，NCD 達 60% 享額外特別折扣", "buy_url": "https://www.dahsinginsurance.com/product/2/motor" }, "review_notes": [ "2026-10-02：隔離 4 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-liberty", "category": "motor", "insurer": "Liberty", "insurer_zh": "利寶國際保險", "product_name": "Private Motor Insurance / Privilege Motor", "product_name_zh": "私用汽車保險 / 尊貴汽車保險", "plan_tiers": [ "第三者責任保險", "標準綜合保單", "尊貴保單（高端車輛綜合保險）" ], "coverage": [ { "item": "第三者責任 - 身體受傷", "limit": "HK$100,000,000（標準綜合及尊貴保單相同）", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "第三者責任 - 財物損失", "limit": "標準綜合保單 HK$2,000,000；尊貴保單 HK$5,000,000", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "汽車自身受損", "limit": "綜合保單包括", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "無索償折扣保障（以較小者為準）", "limit": "標準綜合保單 HK$60,000；尊貴保單 HK$100,000", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "免費擋風玻璃／天窗保障", "limit": "標準綜合保單 HK$5,000；尊貴保單 HK$20,000", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=3", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 3, "quote": "Free Windscreen & Sunroof Cover HK$5,000 … HK$20,000" }, { "item": "臨時代用汽車（香港）", "limit": "標準綜合保單：保單期內 HK$5,000、每日 HK$1,000；尊貴保單：保單期內 HK$20,000、每日 HK$4,000", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=3", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 3, "quote": "Temporary Substitute Vehicle Benefit in Hong Kong • Policy Period Limit • Daily Limit … HK$5,000 HK$1,000 … HK$20,000 HK$4,000" }, { "item": "交通意外人壽保障", "limit": "標準綜合保單 HK$100,000；尊貴保單 HK$350,000", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=3", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 3, "quote": "Driver's Life Protection … HK$100,000 … HK$350,000" }, { "item": "個人物品損失（汽車於香港遭爆竊）", "limit": "尊貴保單獨有：保單期內 HK$20,000、每項財物 HK$5,000", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "24小時尊貴汽車禮賓服務", "limit": "尊貴保單獨有", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "24小時路邊緊急維修及拖車服務", "limit": "綜合保單包括（熱線 (852) 2970 2003）", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "24小時事故通知服務", "limit": "包括（(852) 3122 2266）", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "新換舊保障", "limit": "只限全新汽車", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "追討服務", "limit": "包括", "source_url": "/docs/brochures/libertyinsurance-brochure_privilege_motor.pdf#page=7", "document_name": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元" }, { "item": "第三者人身傷亡責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者財物損毀責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "利寶主要透過專業註冊代理及經紀分銷，官網未有公開保費表；投保表格顯示第三及第四位記名駕駛人士各需支付額外 10% 附加保費。綜合保險可加保延伸至中國廣東省。另設「利寶國際港車北上自駕汽車保險」（Drive to China）：包括內地交強險及商業第三者責任險，可選 30 天或全年 365 日保單，只限利寶現有個人汽車保單客戶。", "key_terms": [ "由利寶國際保險有限公司（Liberty International Insurance Limited）承保，為利寶互助保險集團全資附屬公司", "尊貴汽車保險投保資格限指定高端品牌（Aston Martin、Bentley、Ferrari、Lamborghini、Maserati、McLaren、Porsche、Rolls Royce、Tesla、部分 Audi/BMW/Lotus/Mercedes Benz 型號等，其他型號個別評估）", "設 Motor EasyClaim 網上平台，可網上提交擋風玻璃索償", "財務評級：A.M. Best「A」、Moody's「A2」、S&P「A」（官方網站資料）" ], "exclusions": [ "計劃受相關保單合約之條款、細則及不保事項約束，詳情以保單及承保表為準（官方產品頁聲明）" ], "source_urls": [ "https://www.libertyinsurance.com.hk/zh/private-motor", "https://www.libertyinsurance.com.hk/zh/privilege-motor", "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf", "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/pf_private_motor_motorcycle_privilege_agent.pdf", "https://www.libertyinsurance.com.hk/zh/DrivetoChina" ], "documents_found": [ "利寶國際 Privilege 私家車保險官方產品單張", "私用汽車保險官方產品頁（libertyinsurance.com.hk）", "尊貴汽車保險官方產品頁及產品冊子 PDF（libertyinsurance.com.hk）", "電單車/私家車/尊貴汽車保險投保表格（官方 PDF）", "利寶國際港車北上自駕汽車保險官方產品頁" ], "citations": [ { "claim_field": "coverage", "claim_summary": "第三者責任 - 身體受傷：HK$100,000,000（標準綜合及尊貴保單相同）；財物損失：標準 HK$2,000,000／尊貴 HK$5,000,000（保障福利表）", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 7, "quote": "第三者責任 • 身體受傷 • 物品損失 X 一億港元 二百萬港元 … 一億港元 五百萬港元", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" }, { "claim_field": "coverage", "claim_summary": "無索償折扣保障：標準綜合保單 HK$60,000；尊貴保單 HK$100,000（最高為投保額 15%，以較小者為準）", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 3, "quote": "NCD Protection • Up to or 15% of Sum Insured whichever is the lesser … HK$60,000 … HK$100,000", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" }, { "claim_field": "coverage", "claim_summary": "免費擋風玻璃／天窗保障：標準綜合保單 HK$5,000；尊貴保單 HK$20,000", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 3, "quote": "Free Windscreen & Sunroof Cover HK$5,000 … HK$20,000", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" }, { "claim_field": "coverage", "claim_summary": "臨時代用汽車（香港）：標準保單期內 HK$5,000、每日 HK$1,000；尊貴保單期內 HK$20,000、每日 HK$4,000", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 3, "quote": "Temporary Substitute Vehicle Benefit in Hong Kong • Policy Period Limit • Daily Limit … HK$5,000 HK$1,000 … HK$20,000 HK$4,000", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" }, { "claim_field": "coverage", "claim_summary": "交通意外人壽保障（Driver's Life Protection）：標準 HK$100,000；尊貴 HK$350,000", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 3, "quote": "Driver's Life Protection … HK$100,000 … HK$350,000", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" }, { "claim_field": "coverage", "claim_summary": "個人物品損失（汽車於香港遭爆竊，尊貴保單獨有）：保單期內 HK$20,000、每項財物 HK$5,000", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 3, "quote": "Loss of Personal Effects • To Cover You in Case of Vehicle Break-in within Hong Kong • HK$20,000 per Policy Period • HK$5,000 per Item", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" }, { "claim_field": "key_terms", "claim_summary": "尊貴汽車保險投保資格限指定高端品牌（Aston Martin、Bentley、Ferrari、Porsche、Rolls Royce、Tesla 等，其他型號按其情況評估）", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 8, "quote": "投保資格 品牌 • Aston Martin • Audi 奧迪（某些型號） • Bentley 賓利 • BMW 寶馬（某些型號） • Ferrari 法拉利 • Jaguar 積架 • Lamborghini 林寶堅尼 • Land Rover • Lotus（某些型號） • Maserati 瑪莎拉蒂 • McLaren 麥拿倫 • Mercedes Benz 平治（某些型號） • Porsche 保時捷（某些型號） • Rolls Royce 勞斯萊斯 • Tesla • 其他型號按其情況評估", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" }, { "claim_field": "key_terms", "claim_summary": "由利寶國際保險有限公司承保", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 8, "quote": "由利寶國際保險有限公司承保 香港太古城英皇道1111號26樓2601-04及07-16室", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" }, { "claim_field": "premium_notes", "claim_summary": "第三及第四位記名駕駛人士各需支付額外 10% 附加保費", "document": "利寶電單車/私家車/尊貴汽車保險投保表格（pf_private_motor_motorcycle_privilege_agent.pdf）", "page": 3, "quote": "Note : Additional premium of 10% applied to each additional driver in excess of two (2) named drivers. 注意：第三及第四位記名駕駛人仕每位需支付額外 10% 之附加保費", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/pf_private_motor_motorcycle_privilege_agent.pdf" }, { "claim_field": "exclusions", "claim_summary": "計劃受相關保單合約之條款、細則及不保事項約束，詳情以保單為準", "document": "利寶尊貴汽車保險產品冊子（Brochure_Privilege_Motor.pdf，NOV 2024，中英對照）", "page": 8, "quote": "此計劃受相關保單合約的條款、細則及不保事項所約束。利寶保險保留接受任何申請的最終權利。本產品說明書僅提供一般資料，僅供參考。有關詳細條款、細則及不保事項，請參閱有關產品保單內容。", "url": "https://www.libertyinsurance.com.hk/sites/libertyhk/files/documents/Motor_all/Privilege_Motor/Brochure_Privilege_Motor.pdf" } ], "official_buy_url": "https://www.libertyinsurance.com.hk/zh/private-motor", "promo": { "tag": "最新優惠", "note": "利寶尊貴汽車全保，全面支援「港車北上」跨境救援", "buy_url": "https://www.libertyinsurance.com.hk/zh/private-motor" }, "review_notes": [ "2026-10-02：隔離 2 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-msig", "category": "motor", "insurer": "MSIG", "insurer_zh": "三井住友保險", "product_name": "Private Motor Car Insurance", "product_name_zh": "私家車保險", "plan_tiers": [ "第三者責任保險", "綜合保險" ], "coverage": [ { "item": "第三者身體受傷或死亡", "limit": "保障高達 HK$100,000,000（官方產品頁：因汽車意外引致第三者身體受傷或死亡或財物毀壞）", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "第三者保險 因您的汽車意外引致第三者身體受傷或死亡或財物毀壞，保障高達港幣100,000,000元" }, { "item": "第三者財物損失或毀壞法律責任", "limit": "高達 HK$2,000,000", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "因汽車意外引致第三者財物損失或毀壞，保障高達港幣2,000,000元" }, { "item": "自身汽車損毀", "limit": "只限綜合保險", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "第三者保險 因您的汽車意外引致第三者身體受傷或死亡或財物毀壞，保障高達港幣100,000,000元" }, { "item": "無索償折扣（NCD）保障", "limit": "一年內曾作出一次索償仍可保留原有 NCD，條件：扣除墊底費後賠償額不超過 HK$60,000 或投保額之 15%（以較低者為準），且該索償不涉及第三者身體受傷", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "即使在一年內曾經作出一次索償仍可保留原有的無索償折扣 (NCD) 只要： 扣除墊底費後，賠償額不超過港幣60,000元或投保額之15%（以較低者為準）；及 該宗索償並不涉及第三者身體受傷" }, { "item": "擋風玻璃保障", "limit": "修理費不超過 HK$5,000 可豁免墊底費，NCD 不會被扣除", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "若擋風玻璃的修理費不超過港幣5,000元，可獲豁免墊底費賠償外，NCD亦不會被扣除。" }, { "item": "新車賠償（同款新車不折舊）", "limit": "車齡不超過一年（以首次登記日起計）完全損毀或被竊，以現金或同款新車賠償；首次登記日須於生產日起計首十二個月內", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "第三者保險 因您的汽車意外引致第三者身體受傷或死亡或財物毀壞，保障高達港幣100,000,000元" }, { "item": "醫療費用保障", "limit": "最高 HK$5,000", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "若駕車時發生意外導致身體受傷，可獲醫療費用賠償最高可達港幣5,000元 … 若您或保單上指明司機在駕駛汽車時發生意外，導致身亡、失肢或失明，可獲港幣100,000元的賠償" }, { "item": "汽車個人意外保障", "limit": "身亡、失肢或失明賠償 HK$100,000（受保人或保單指明司機）", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "若駕車時發生意外導致身體受傷，可獲醫療費用賠償最高可達港幣5,000元 … 若您或保單上指明司機在駕駛汽車時發生意外，導致身亡、失肢或失明，可獲港幣100,000元的賠償" }, { "item": "汽車支援服務", "limit": "24小時路邊緊急維修、24小時免費拖車、後備車輛服務、24小時索償諮詢及諮詢服務", "source_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "document_name": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "汽車支援服務 a. 24小時路邊緊急維修 b. 24小時免費拖車服務 c. 後備車輛服務 ─ 當閣下車輛被竊或因意外需要維修 d. 24小時索償諮詢服務 e. 24小時諮詢服務" }, { "item": "第三者人身傷亡責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者財物損毀責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "新車替換 / 以新換舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "維修零件折舊", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "24小時緊急援助 / 拖車", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "租車 / 代用車輛", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "官方網站設「即時報價」及網上投保（insure.msig.hk）；保費示例未有刊載。透過合作渠道（如 AEON/ORIX）投保設推廣優惠，例如按年繳保費送禮券（HK$3,000–8,000+ 保費對應 HK$300–800 禮券）。ORIX x MSIG 聯營版本提供較高額外保障（醫療高達 HK$80,000、司機個人意外高達 HK$400,000、指定電動車擋風玻璃高達 HK$20,000），由三井住友海上火災保險（香港）有限公司承保。", "key_terms": [ "由三井住友海上火災保險（香港）有限公司承保，獲保險業監管局授權並受其監管", "NCD 保障條件：扣除墊底費後賠償額 ≤ HK$60,000 或投保額 15%（較低者），且不涉及第三者身體受傷", "中英文版本如有歧義，以英文版本為準" ], "exclusions": [ "詳細不保事項以保單條款為準（官方產品頁僅為摘要）" ], "source_urls": [ "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "https://www.msig.com.hk/personal-insurance/private-motor-car", "https://insure.msig.hk/AEON/promotion/motorquote-tc" ], "documents_found": [ "MSIG 私家車保險官方產品頁（保障摘要、NCD 條件、擋風玻璃條款）", "MSIG 官方網上報價及投保平台（insure.msig.hk）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "第三者身體受傷或死亡或財物毀壞：保障高達 HK$100,000,000", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "第三者保險 因您的汽車意外引致第三者身體受傷或死亡或財物毀壞，保障高達港幣100,000,000元", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, { "claim_field": "coverage", "claim_summary": "第三者財物損失或毀壞法律責任：高達 HK$2,000,000", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "因汽車意外引致第三者財物損失或毀壞，保障高達港幣2,000,000元", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, { "claim_field": "coverage", "claim_summary": "無索償折扣（NCD）保障：一年內曾作出一次索償仍可保留原有 NCD；條件為扣除墊底費後賠償額不超過 HK$60,000 或投保額之 15%（以較低者為準），且不涉及第三者身體受傷", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "即使在一年內曾經作出一次索償仍可保留原有的無索償折扣 (NCD) 只要： 扣除墊底費後，賠償額不超過港幣60,000元或投保額之15%（以較低者為準）；及 該宗索償並不涉及第三者身體受傷", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, { "claim_field": "coverage", "claim_summary": "擋風玻璃保障：修理費不超過 HK$5,000 可豁免墊底費，NCD 不會被扣除", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "若擋風玻璃的修理費不超過港幣5,000元，可獲豁免墊底費賠償外，NCD亦不會被扣除。", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, { "claim_field": "coverage", "claim_summary": "新車賠償：車齡不超過一年（以首次登記日起計）完全損毀或被竊，不扣除折舊，以現金或同款新車賠償；首次登記日須於生產日起計首十二個月內", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "如受保汽車在意外中完全損毀或被竊，而車齡不超過一年（以首次登記日起計算），我們將不扣除折舊*，以現金或同款新車作為賠償。 *汽車之首次登記日必須於汽車生產日起計首十二個月內。", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, { "claim_field": "coverage", "claim_summary": "醫療費用保障最高 HK$5,000；汽車個人意外保障（身亡、失肢或失明）HK$100,000", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "若駕車時發生意外導致身體受傷，可獲醫療費用賠償最高可達港幣5,000元 … 若您或保單上指明司機在駕駛汽車時發生意外，導致身亡、失肢或失明，可獲港幣100,000元的賠償", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, { "claim_field": "coverage", "claim_summary": "汽車支援服務：24小時路邊緊急維修、24小時免費拖車、後備車輛、24小時索償諮詢及諮詢服務", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "汽車支援服務 a. 24小時路邊緊急維修 b. 24小時免費拖車服務 c. 後備車輛服務 ─ 當閣下車輛被竊或因意外需要維修 d. 24小時索償諮詢服務 e. 24小時諮詢服務", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, { "claim_field": "key_terms", "claim_summary": "中英文版本如有歧義，以英文版本為準", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "中、英文版本內容如有歧義，在任何情況下將以英文版本為準。", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, { "claim_field": "exclusions", "claim_summary": "詳細不保事項以保單條款為準（官方產品頁僅為摘要）", "document": "MSIG 私家車保險官方產品頁（msig.com.hk/zh-hant/personal-insurance/private-motor-car）", "page": null, "quote": "以上提供之產品資料只供參考，有關保障範圍及承保條款，請參閱保單。", "url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" } ], "official_buy_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car", "promo": { "tag": "最新優惠", "note": "三井住友私家車保險，網上報價尊享特惠費率與道路援助", "buy_url": "https://www.msig.com.hk/zh-hant/personal-insurance/private-motor-car" }, "review_notes": [ "2026-10-02：隔離 6 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-qbe", "category": "motor", "insurer": "QBE", "insurer_zh": "昆士蘭保險", "product_name": "Motor Supersurance", "product_name_zh": "汽車超級保險", "plan_tiers": [ "第三者責任保險", "綜合保險（全保）" ], "coverage": [ { "item": "第三者人身傷亡法律責任", "limit": "HK$100,000,000（完全符合法例對第三者責任保險的要求）", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "第三者財物損毀法律責任", "limit": "標準 HK$2,000,000；可自選升級至 HK$3,000,000 或 HK$5,000,000", "source_url": "/docs/brochures/qbe-qbe-motor-insurance-brochure---final.pdf#page=2", "document_name": "QBE Hong Kong Motor Supersurance 產品冊子（qbe-motor-insurance-brochure---final.pdf，中英對照）", "page": 2, "quote": "You can choose to increase your limit from the standard HK$2,000,000 to HK$3,000,000 or HK$5,000,000, depending on your needs." }, { "item": "受保車輛意外損毀", "limit": "只限全保；包括碰撞、火災、盜竊及其他意外損失之維修費用", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "以新換舊賠償", "limit": "意外在車輛首次註冊 12 個月內發生、且首次註冊在製造日期 12 個月內完成，更換同款新車（只限全保）", "source_url": "/docs/brochures/qbe-qbe-motor-supersurance-brochure-1.pdf#page=5", "document_name": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "舊換新賠償 (如果意外是在車輛首次註冊的12個月內發生，而首次註冊是在車輛製造日期12個月內完成) 更換一輛同款新車 不包括" }, { "item": "無索償折扣（NCD）保障", "limit": "每保險期間索償總額（扣除自負額後）不超過 HK$60,000 或受保車輛市值 15%，續保時 NCD 不受影響（只限全保；NCD 不得轉移至其他保險公司）", "source_url": "/docs/brochures/qbe-qbe-motor-supersurance-brochure-1.pdf#page=5", "document_name": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "無索償折扣保障 (每次及累計最高HK$60,000或受保車輛市值百分之十五） 包括 不包括" }, { "item": "擋風玻璃豁免自負額", "limit": "每次事故及累計最高 HK$6,000，須由指定擋風玻璃維修商維修；此項索償不計入 NCD 保障之索償總額（只限全保）", "source_url": "/docs/brochures/qbe-qbe-motor-supersurance-brochure-1.pdf#page=5", "document_name": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "擋風玻璃免自付額 (每次及累計最高 HK$6,000) 包括 不包括" }, { "item": "個人意外（受保人或記名司機死亡或永久完全傷殘）", "limit": "每宗事件及合計上限 HK$200,000（只限全保）", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "醫療費用", "limit": "HK$2,000（只限全保）", "source_url": "/docs/brochures/qbe-qbe-motor-supersurance-brochure-1.pdf#page=5", "document_name": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "個人意外 (被保人或指名司機死亡或永久全殘) HK$200,000 不包括 醫療費用 HK$2,000 不包括" }, { "item": "後備/替代車輛", "limit": "最高 HK$6,000，每日限額 HK$1,000，受保人承擔 20% 租金（只限全保）", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "24小時緊急道路援助及拖車", "limit": "全保包括；三保為免費轉介服務", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "24小時交通法規查詢及索償服務中心", "limit": "兩個計劃均包括", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "索償追討服務", "limit": "全保包括（成功追討按比例退還自負額）；三保為免費轉介/諮詢服務", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "廣東省自身損毀延伸保障（自選）", "limit": "全保可選", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "電動車保障", "limit": "汽油、混能及電動車均受保", "source_url": "/docs/brochures/qbe-motor-policy-wordinguwdpvpcv22112304.pdf#page=8", "document_name": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。" }, { "item": "第三者人身傷亡責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "官網指示透過保險經紀或 qbe.com/hk 索取度身報價；選用 QBE 指定維修商（panel repairer）可享額外 HK$10,000 NCD 保障、免預付款、12 個月維修工藝保養、4 個工作小時內聯絡查勘員、3 天內安排檢查及免費臭氧車廂清潔。保單須繳付保險業監管局（IA）徵費。", "key_terms": [ "由 QBE Hongkong & Shanghai Insurance Limited（昆士蘭聯保）承保，1920 年起在香港經營", "eClaims 數碼索償平台，可隨時提交及追蹤索償", "以新換舊條件：保單持有人為首位登記車主、品牌型號在港有售、改裝部分及額外配件會被扣除、更換車輛價格不超過原始購買價" ], "exclusions": [ "個人意外保障不保：受藥物（非醫療監督下）或酒精影響、自殺或企圖自殺或故意自殘、參加賽車所引致的事故", "產品冊子聲明：冊子僅為摘要，所有條款及不保事項以保單為準" ], "source_urls": [ "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-supersurance-brochure-1.pdf", "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-insurance-brochure---final.pdf", "https://www.qbe.com/media/qbe/asia/hongkong/files/qtouch/announcements/motor-policy-wordinguwdpvpcv22112304.pdf" ], "documents_found": [ "QBE 昆士蘭保險 私家車綜合保險官方手冊", "QBE Motor Supersurance 汽車超級保險產品冊子（qbe.com 官方 PDF，中英對照）", "QBE 汽車超級保險單 Motor Supersurance Policy（qbe.com 官方保單條款 PDF）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "第三者人身傷亡法律責任：HK$100,000,000（保單第(II)部分責任限額 (10)(a)(i)）", "document": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 8, "quote": "(i) 有關(9)(i)分段所指的人身傷亡事件，本公司的責任限額為港幣 100,000,000；及 (ii) 有關(9)(ii)分段所指財產損毀事件，本公司的責任限額為港幣 2,000,000。", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/qtouch/announcements/motor-policy-wordinguwdpvpcv22112304.pdf" }, { "claim_field": "coverage", "claim_summary": "第三者財物損毀法律責任：標準 HK$2,000,000；可自選升級至 HK$3,000,000 或 HK$5,000,000", "document": "QBE Hong Kong Motor Supersurance 產品冊子（qbe-motor-insurance-brochure---final.pdf，中英對照）", "page": 2, "quote": "You can choose to increase your limit from the standard HK$2,000,000 to HK$3,000,000 or HK$5,000,000, depending on your needs.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-insurance-brochure---final.pdf" }, { "claim_field": "coverage", "claim_summary": "無索償折扣（NCD）保障：每次及累計最高 HK$60,000 或受保車輛市值 15%（只限全保）", "document": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "無索償折扣保障 (每次及累計最高HK$60,000或受保車輛市值百分之十五） 包括 不包括", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-supersurance-brochure-1.pdf" }, { "claim_field": "coverage", "claim_summary": "擋風玻璃豁免自負額：每次及累計最高 HK$6,000（只限全保）", "document": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "擋風玻璃免自付額 (每次及累計最高 HK$6,000) 包括 不包括", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-supersurance-brochure-1.pdf" }, { "claim_field": "coverage", "claim_summary": "個人意外（被保人或指名司機死亡或永久全殘）HK$200,000；醫療費用 HK$2,000（只限全保）", "document": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "個人意外 (被保人或指名司機死亡或永久全殘) HK$200,000 不包括 醫療費用 HK$2,000 不包括", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-supersurance-brochure-1.pdf" }, { "claim_field": "coverage", "claim_summary": "以新換舊賠償：意外在車輛首次註冊 12 個月內發生、且首次註冊在製造日期 12 個月內完成，更換同款新車（只限全保）", "document": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "舊換新賠償 (如果意外是在車輛首次註冊的12個月內發生，而首次註冊是在車輛製造日期12個月內完成) 更換一輛同款新車 不包括", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-supersurance-brochure-1.pdf" }, { "claim_field": "coverage", "claim_summary": "後備車輛：最高 HK$6,000，每日限額 HK$1,000，租金 20% 由被保人承擔（只限全保）", "document": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 5, "quote": "後備車輛 (最高 HK$6,000，每日限額 HK$1,000，租金 20% 由被保人承擔) 包括 不包括", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-supersurance-brochure-1.pdf" }, { "claim_field": "premium_notes", "claim_summary": "選用 QBE 指定維修商（panel repairer）可享額外 HK$10,000 NCD 保障等禮遇", "document": "QBE Motor Supersurance 汽車超級保險產品冊子（qbe-motor-supersurance-brochure-1.pdf，中英對照）", "page": 3, "quote": "With trusted repairers across Hong Kong, you’ll enjoy: • Extra NCD protection of HK$10,000. • No upfront payment and a 12-month workmanship warranty.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-supersurance-brochure-1.pdf" }, { "claim_field": "key_terms", "claim_summary": "QBE Hongkong & Shanghai Insurance Limited 承保，1920 年起在香港經營", "document": "QBE Hong Kong Motor Supersurance 產品冊子（qbe-motor-insurance-brochure---final.pdf，中英對照）", "page": 8, "quote": "QBE Hongkong & Shanghai Insurance Limited (QBE Hong Kong), part of the QBE Insurance Group, offers a comprehensive range of general insurance products. QBE has had a presence in Hong Kong since 1920", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-insurance-brochure---final.pdf" }, { "claim_field": "key_terms", "claim_summary": "eClaims 數碼索償平台，可隨時提交及追蹤索償", "document": "QBE Hong Kong Motor Supersurance 產品冊子（qbe-motor-insurance-brochure---final.pdf，中英對照）", "page": 4, "quote": "Simple and easy eClaims • Our cutting-edge digital platform allows customers to make their claims anytime and anywhere, streamlining the claims process", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-insurance-brochure---final.pdf" }, { "claim_field": "exclusions", "claim_summary": "個人意外保障不保：受藥物（非醫療監督下）或酒精影響、自殺或企圖自殺或故意自殘、參加賽車", "document": "QBE 汽車超級保險單 Motor Supersurance Policy（motor-policy-wording PDF，中英對照）", "page": 4, "quote": "no compensation shall be payable if the Insured or Named Driver was • under the influence of intoxicants or drugs (unless under medical supervision) or alcohol, • committing or attempting to commit suicide or intentionally inflicting self-injury, • engaging in racing", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/qtouch/announcements/motor-policy-wordinguwdpvpcv22112304.pdf" }, { "claim_field": "exclusions", "claim_summary": "產品冊子聲明：冊子僅為摘要，所有條款及不保事項以保單為準", "document": "QBE Hong Kong Motor Supersurance 產品冊子（qbe-motor-insurance-brochure---final.pdf，中英對照）", "page": 3, "quote": "Remarks: This brochure is only a summary. Please refer to the Policy for full terms and conditions.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/motor/qbe-motor-insurance-brochure---final.pdf" } ], "official_buy_url": "https://www.qbe.com/hk/zh-hk/personal-insurance/motor-insurance", "promo": { "tag": "最新優惠", "note": "高達一億港元第三者人身傷亡責任保障", "buy_url": "https://www.qbe.com/hk/zh-hk/personal-insurance/motor-insurance" }, "review_notes": [ "2026-10-02：隔離 1 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "motor-zurich", "category": "motor", "insurer": "Zurich", "insurer_zh": "蘇黎世保險", "product_name": "Motorplus Insurance Plan", "product_name_zh": "「車護保」汽車保險計劃", "plan_tiers": [ "第三者責任保險（第三保）", "綜合保險（全保）" ], "coverage": [ { "item": "第三者人身傷亡", "limit": "HK$100,000,000（第三保及全保均適用）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "第三者人身傷亡 100,000,000港元" }, { "item": "第三者財物損失", "limit": "HK$2,000,000；可付額外保費升級至 HK$3,000,000（每日 HK$0.42）或 HK$5,000,000（每日 HK$0.56）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=1", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 1, "quote": "提供高達100,000,000港元的第三者人身傷亡保障及高達 2,000,000的第三者財產損毀的法律責任保障。車主亦可以選擇提升第三者財產損毀的法律責任的保障額至 3,000,000港元、5,000,000港元、7 ,500,000港元或10,000,000港元，以享有更多保護。" }, { "item": "自身車輛損毀、火險及盜竊險", "limit": "只限全保", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "第三者人身傷亡 100,000,000港元" }, { "item": "汽車個人意外保障", "limit": "HK$100,000（只限全保）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=13", "document_name": "蘇黎世私家汽車保險單 Private Motor Car Insurance Policy（蘇黎世官方最新現行條款）", "page": 13, "quote": "「本公司」將支付 100,000 港元總賠償額。" }, { "item": "醫療費用", "limit": "全保包括（官方產品冊子列為包括，金額以保單為準）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "第三者人身傷亡 100,000,000港元" }, { "item": "前擋風玻璃保障（豁免墊底費）", "limit": "首 HK$4,000 免墊底費，NCD/CFD 不受影響；另設維修擋風玻璃免找數服務（只限全保）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "第三者人身傷亡 100,000,000港元" }, { "item": "同款新車賠償（New for Old）", "limit": "車齡不足一年全損或被竊時，以同款新車作 100% 賠償（只限全保，受條款約束）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=1", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 1, "quote": "同款新車賠償: (i)受保汽車首次在運輸署登記後12個月內蒙受損失；(ii)受保汽車在出廠後12個月內已在運輸署作首次登記。受保人必須是受保汽車的第一註冊車主。受條款及細則約束。" }, { "item": "臨時代用汽車", "limit": "租用費用最高 HK$4,000，投保人負擔 20% 租車費用（第三保為免費轉介服務）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "臨時代用汽車 免費轉介服務 1) 最高4,000港元租車費用 – （受保人須負責20%） 或 2) 最高2,000港元的計程車費用" }, { "item": "24小時中途急修服務", "limit": "費用最高 HK$2,000（第三保為免費轉介服務）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "24小時中途急修服務 免費轉介服務 最高2,000港元 24小時拖車服務 免費轉介服務 最高2,000港元" }, { "item": "24小時拖車服務", "limit": "費用最高 HK$2,000（第三保為免費轉介服務）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "24小時中途急修服務 免費轉介服務 最高2,000港元 24小時拖車服務 免費轉介服務 最高2,000港元" }, { "item": "24小時交通條例及賠償諮詢熱線", "limit": "第三保及全保均包括", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "第三者人身傷亡 100,000,000港元" }, { "item": "24小時調查承諾", "limit": "申報後 24 小時內派出專員處理汽車調查報告（只限全保）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "第三者人身傷亡 100,000,000港元" }, { "item": "第三者責任追討服務", "limit": "全保包括（第三保為免費諮詢服務）", "source_url": "/docs/brochures/edge-nev_fs_zh.pdf#page=2", "document_name": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "第三者人身傷亡 100,000,000港元" }, { "item": "第三者財物損毀責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "自身汽車損毀", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "需報價", "premium_available": false, "premium_notes": "官網（zurich.com.hk / buy.zurich.com.hk）提供網上報價；第三者財物損毀限額升級保費示例：升至 HK$3,000,000 每日 HK$0.42、升至 HK$5,000,000 每日 HK$0.56（源自官方產品冊子）。另設中港跨境伸延保障：中港跨境車主責任伸延保險額外保費 HK$2,500（每宗事故/每保險年度限額 HK$50,000,000，其中財物損毀 HK$2,000,000）；全保客戶可加保廣東省汽車損失伸延，額外保費為全年保費 10%。", "key_terms": [ "「無賠償折扣」（CFD）保障：一年內索償總額不超過 HK$50,000，即可保留原有 CFD（只限全保）", "成功向肇事第三者追討後，有機會退回已付墊底費並保留 CFD", "由蘇黎世保險有限公司（Zurich Insurance Company Ltd，於瑞士註冊成立）承保", "可用 Zurich HK 手機應用程式提交索償（一按即報）" ], "exclusions": [ "改裝配件（非汽車製造商裝置且未投保）不在賠償範圍", "詳細不保事項以保單條款為準（產品冊子聲明：冊子僅為摘要，一切以保單為準）" ], "source_urls": [ "https://www.zurich.com.hk/zh-hk/individuals/motor-insurance" ], "documents_found": [ "蘇黎世「車護保」私家車/電動車官方產品手冊", "「自在駕駛」私家汽車保險計劃 /「車護保」官方最新投保手冊（蘇黎世保險官方刊發 2025-2026 現行版）" ], "data_caveat": "蒐集期間 zurich.com.hk 產品頁連線不穩（connection reset），保障數據取自蘇黎世保險有限公司官方刊發之「車護保」產品冊子及表格；zurich.com.hk 為蘇黎世官方主網域（見其官方防詐騙公告）。", "citations": [ { "claim_field": "coverage", "claim_summary": "第三者人身傷亡：HK$100,000,000（第三保及全保均適用）", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "第三者人身傷亡 100,000,000港元", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" }, { "claim_field": "coverage", "claim_summary": "第三者財物損失：基本 HK$2,000,000，可選擇提升至最高 HK$10,000,000（現行官方小冊子列明 3M/5M/7.5M/10M 選項）", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 1, "quote": "提供高達100,000,000港元的第三者人身傷亡保障及高達 2,000,000的第三者財產損毀的法律責任保障。車主亦可以選擇提升第三者財產損毀的法律責任的保障額至 3,000,000港元、5,000,000港元、7 ,500,000港元或10,000,000港元，以享有更多保護。", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" }, { "claim_field": "coverage", "claim_summary": "汽車個人意外保障：HK$100,000（只限全保）", "document": "蘇黎世私家汽車保險單 Private Motor Car Insurance Policy（官方最新現行保單條款及產品手冊）", "page": 13, "quote": "「本公司」將支付 100,000 港元總賠償額。", "url": "https://www.zurich.com.hk/zh-hk/individuals/motor-insurance" }, { "claim_field": "coverage", "claim_summary": "臨時代用汽車：最高 4,000 港元租車費用（受保人須負責 20%）或最高 2,000 港元計程車費用（第三保為免費轉介服務）", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "臨時代用汽車 免費轉介服務 1) 最高4,000港元租車費用 – （受保人須負責20%） 或 2) 最高2,000港元的計程車費用", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" }, { "claim_field": "coverage", "claim_summary": "24小時中途急修服務及24小時拖車服務：各最高 2,000 港元（第三保為免費轉介服務）", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "24小時中途急修服務 免費轉介服務 最高2,000港元 24小時拖車服務 免費轉介服務 最高2,000港元", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" }, { "claim_field": "coverage", "claim_summary": "同款新車賠償（New for Old）：首次登記後 12 個月內蒙受損失、出廠後 12 個月內已首次登記、受保人為第一註冊車主", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 1, "quote": "同款新車賠償: (i)受保汽車首次在運輸署登記後12個月內蒙受損失；(ii)受保汽車在出廠後12個月內已在運輸署作首次登記。受保人必須是受保汽車的第一註冊車主。受條款及細則約束。", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" }, { "claim_field": "coverage", "claim_summary": "前擋風玻璃保障：於指定汽車維修商維修或更換，CFD 不會被降低或取消，並享免找數及免自負額維修服務", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 2, "quote": "如果您選擇到指定的汽車維修商維修或更換擋風玻璃，您的「無賠償折扣」（CFD）不會被降低或取消。另外，您亦可以享受免找數及免自負額的維修服務。", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" }, { "claim_field": "key_terms", "claim_summary": "「無賠償折扣」（CFD）保障：一年內索償總額（扣除自負額後）不超過 HK$50,000，續保時保留原有 CFD（只限全保，保單第 20(a) 項）", "document": "蘇黎世私家汽車保險單 Private Motor Car Insurance Policy（官方最新現行保單條款及產品手冊）", "page": 12, "quote": "(a) 無賠償折扣保障 儘管第 16(c) 及(d)項另有規定，如在任何一個保險期內依據本「保單」任何部份提出的總索償額（扣除任何在「附表」中列明的自負額後）不超過 50,000 港元，「受保人」續保時將可享有無賠償折扣。", "url": "https://www.zurich.com.hk/zh-hk/individuals/motor-insurance" }, { "claim_field": "key_terms", "claim_summary": "成功向肇事第三者追討後，有機會退回已付墊底費並保留 CFD", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 3, "quote": "若追討成功，您更有機會獲退回已付的「墊底費」，並可繼續保留原有的「無賠償折扣」優惠。", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" }, { "claim_field": "key_terms", "claim_summary": "由蘇黎世保險有限公司（Zurich Insurance Company Ltd，於瑞士註冊成立）承保", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 3, "quote": "蘇黎世保險有限公司（於瑞士註冊成立之有限公司） 香港港島東華蘭路18號港島東中心25-26樓", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" }, { "claim_field": "exclusions", "claim_summary": "改裝配件（非汽車製造商裝置且未投保）不在賠償範圍（同款新車賠償條件 (vi)）", "document": "蘇黎世私家汽車保險單 Private Motor Car Insurance Policy（官方最新現行保單條款及產品手冊）", "page": 13, "quote": "(vi) 附加配件及設備一律不計算在內，但由「受保汽車」製造商裝置的並已投保的自選配件及設備除外；", "url": "https://www.zurich.com.hk/zh-hk/individuals/motor-insurance" }, { "claim_field": "exclusions", "claim_summary": "詳細不保事項以保單條款為準（官方小冊子聲明：宣傳資料僅為參考，一切以保單為準）", "document": "蘇黎世私家汽車保險計劃產品小冊子（nev_fs_zh.pdf，文件編號 ZPP-003-06-2024C，zurich.com.hk 官方 CDN）", "page": 3, "quote": "本宣傳資料只供參考之用，並不構成保險合約的一部分，有關此項保障計劃的內容細則及不承保事項請參閱保單文件，如有任何差異，均以保單內之條款細則為準，蘇黎世保險有限公司保留最終批核及決定權。", "url": "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/motor-insurance/private-motor-car-insurance/nev_fs_zh.pdf" } ], "official_buy_url": "https://www.zurich.com.hk/zh-hk/individuals/motor-insurance", "promo": { "tag": "最新優惠", "note": "特設全新電動車專屬充電樁意外及電池損壞保障", "buy_url": "https://www.zurich.com.hk/zh-hk/individuals/motor-insurance" }, "review_notes": [ "2026-10-02：隔離 2 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "domestic-helper-axa", "category": "domestic-helper", "insurer": "AXA", "insurer_zh": "安盛", "product_name": "SmartHelper Plus - Foreign Domestic Helper Comprehensive Plan", "product_name_zh": "SmartHelper Plus 家傭保險（外籍家庭傭工綜合計劃）", "plan_tiers": [ "Foreign Domestic Helper Comprehensive Plan (1-year / 2-year)", "另設本地家傭及陪月員計劃", "自選附加：Supplementary Medical (Critical Illness) Benefit" ], "coverage": [ { "item": "僱員補償（僱主法律責任）", "limit": "每宗事故 HK$100,000,000", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "住院及手術費用", "limit": "每保單年度 HK$30,000（房租膳食 HK$350/日；手術連住院 HK$15,000/次）", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "Section 2 - Hospital and Surgical Expenses For your insured helper's inpatient and day surgery expenses 30,000 per policy year Sublimit: a) Room and board and other inpatient hospital service expenses 350 per day ... c) Anesthesia and its administration cost 15,000 per operation ... e) Day surgery 5,000 per policy year" }, { "item": "門診費用", "limit": "每保單年度 HK$3,600（每次每日 HK$180）；跌打小項 HK$500/年（每次 HK$100）", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "Section 3 - Clinical Expenses For your insured helper's outpatient expenses including general practitioner, specialist, chiropractor, physiotherapist, Chinese herbalist, bonesetter and acupuncturist 3,600 per policy year (180 per visit per day) Sublimit: Bonesetter 500 per policy year (100 per visit per day)" }, { "item": "牙科費用", "limit": "每保單年度 HK$2,500（每次每日 HK$200）", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "Section 4 - Dental Expenses For oral surgery, treatment of abscesses, X-rays, extraction or fillings, excluding normal check up, cleaning, orthodontics or dental prosthetics 2,500 per policy year (200 per visit per day)" }, { "item": "個人意外（休假期間意外身故或永久傷殘）", "limit": "每保單年度 HK$100,000", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "遣返費用", "limit": "每保單年度 HK$20,000", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "Section 5 - Personal Accident For insured helper's permanent disablement or death caused by accident on rest days in Hong Kong 100,000 per policy year Section 6 - Repatriation Expenses For returning the insured helper to home country in case she/he is medically unfit or in event of death 20,000 per policy year" }, { "item": "補聘家傭費用（無預告離職/一年內兩次提早終止合約/家傭惡意行為等）", "limit": "每保單年度 HK$8,000（無預告離職及提早終止各設 HK$1,000 分項上限）", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "服務中斷津貼（住院連續5日或以上）", "limit": "每保單年度 HK$6,000（HK$200/日）", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "家傭不誠實行為保障", "limit": "每保單年度 HK$8,000（更換門鎖上限 HK$1,000）", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "家傭疏忽引致之第三者個人責任", "limit": "每宗事故 HK$100,000", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "僱主借貸保障（家傭因身故或不適宜工作被遣返而無法償還之借貸）", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "24小時家居支援服務（轉介）", "limit": "包括電工、水喉、鎖匠、免費法律/仲裁轉介等", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "自選附加醫療（危疾）保障：中風、癌症、腎衰竭等10種危疾", "limit": "每保單年度 HK$70,000", "source_url": "/docs/brochures/axa-smarthelper-plus-brochure.pdf#page=2", "document_name": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money" }, { "item": "僱主責任（僱員補償）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "個人意外（休假期間）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官方產品冊子未刊載保費表，需網上報價；設1年及2年保單（2年享保費折扣）", "premium_available": false, "premium_notes": "官方公佈網上投保可享永久15%（新聞稿）/ 20%（產品頁限時優惠）保費折扣；取消保單最低保費 HK$500；保費須另加保監局徵費等", "key_terms": [ "受保外傭投保年齡18至60歲，續保至64歲（危疾附加保障續保至59歲）", "醫療保障不設等候期、不設自付額（即時生效）", "保單自動續保；中途更換家傭可將保障轉移至新家傭", "申請人必須為標準僱傭合約（ID407）上的僱主" ], "exclusions": [ "自殺或蓄意自傷", "性病、精神失常，包括HIV/愛滋病", "懷孕或分娩", "受藥物或酒精影響下的行為", "罷工、暴動、民眾騷亂", "戰爭、核武、輻射、恐怖主義引致的傷害", "違法行為", "投保前已存在之疾病" ], "source_urls": [ "https://www.axa.com.hk/en/domestic-helper", "https://www.axa.com.hk/en/article/axa-launches-smarthelperplus", "https://www.axa.com.hk/zh/domestic-helper-insurance-protection" ], "documents_found": [ "AXA 安盛 SmartHelper Plus 家傭保險官方產品手冊", "SmartHelper Plus 產品冊子（外籍家庭傭工）: https://www.axa.com.hk/pdf?axa-helper-product-brochure-foreign-helper-direct-en", "SmartHelper Plus 保單條款（於產品頁提供下載）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "設1年及2年保單選擇，2年保單享保費折扣（冊子未刊保費表）", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 3, "quote": "You have a choice between 1-year and 2-year policy, where the latter is designed to match with the standard employment contract period of a foreign domestic helper and with considerable premium discount, to save your time and money", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" }, { "claim_field": "coverage", "claim_summary": "僱員補償：僱主法律責任每宗事故HK$100,000,000", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 4, "quote": "Section 1 - Employees' Compensation Protects your legal liability as an employer under the Employees' Compensation Ordinance and Common Law 100,000,000 per event", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" }, { "claim_field": "coverage", "claim_summary": "住院及手術費用每保單年度HK$30,000（每日病房350；每次手術15,000；日間手術5,000）", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 4, "quote": "Section 2 - Hospital and Surgical Expenses For your insured helper's inpatient and day surgery expenses 30,000 per policy year Sublimit: a) Room and board and other inpatient hospital service expenses 350 per day ... c) Anesthesia and its administration cost 15,000 per operation ... e) Day surgery 5,000 per policy year", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" }, { "claim_field": "coverage", "claim_summary": "門診費用每保單年度HK$3,600（每次180）；跌打每年500（每次100）", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 4, "quote": "Section 3 - Clinical Expenses For your insured helper's outpatient expenses including general practitioner, specialist, chiropractor, physiotherapist, Chinese herbalist, bonesetter and acupuncturist 3,600 per policy year (180 per visit per day) Sublimit: Bonesetter 500 per policy year (100 per visit per day)", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" }, { "claim_field": "coverage", "claim_summary": "牙科費用每保單年度HK$2,500（每次200）", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 4, "quote": "Section 4 - Dental Expenses For oral surgery, treatment of abscesses, X-rays, extraction or fillings, excluding normal check up, cleaning, orthodontics or dental prosthetics 2,500 per policy year (200 per visit per day)", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" }, { "claim_field": "coverage", "claim_summary": "個人意外每保單年度HK$100,000；遣返費用HK$20,000", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 4, "quote": "Section 5 - Personal Accident For insured helper's permanent disablement or death caused by accident on rest days in Hong Kong 100,000 per policy year Section 6 - Repatriation Expenses For returning the insured helper to home country in case she/he is medically unfit or in event of death 20,000 per policy year", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" }, { "claim_field": "key_terms", "claim_summary": "受保家傭須為ID407合約指定家傭，投保年齡18至60歲（續保至64歲）", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 6, "quote": "An insured foreign domestic helper must be specified as the Helper in the Form Number ID407 who is aged between 18 and 60 on policy effective day; and aged between 18 and 64 on policy renewal day, except for Supplementary Medical (Critical Illness) Benefit, that renewal is applicable for age between 18 and 59 only", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" }, { "claim_field": "key_terms", "claim_summary": "醫療保障不設等候期，與保單同時生效", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 2, "quote": "What's more, we have waived the waiting period so your helper's medical benefit will take effect with the policy without having to wait a single day", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：自殺或蓄意自傷、性病/精神病（包括HIV/愛滋）、懷孕或分娩、受藥物或酒精影響下所作行為、投保前已存在疾病等", "document": "SmartHelper Plus Product Brochure (Foreign Domestic Helper) 產品冊子（AXA安盛，2023年9月）", "page": 9, "quote": "Some of the exclusions under this policy are: • Suicide or international self-injury • Venereal diseases or insanity, including HIV/ AIDS • Pregnancy or childbirth • Acts committed under the influence of drugs or alcohol • Strike, riot, civil commotion • Injury due to war, nuclear weapons, radioactivity, terrorism • Any acts violating the law • Pre-existing medical conditions", "url": "https://www.axa.com.hk/pdf?axa-helper-product-brochure-combined-direct-en" } ], "promo": { "tag": "最新優惠", "note": "網上投保 2 年單享保費折扣，特設嚴重疾病及門診保障" }, "review_notes": [ "2026-10-02：隔離 2 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "domestic-helper-boc-group-insurance", "category": "domestic-helper", "insurer": "BOC Group Insurance", "insurer_zh": "中銀集團保險", "product_name": "Smart Domestic Helper Insurance Plan", "product_name_zh": "智幫手家傭保障計劃", "plan_tiers": [ "本地家務助理計劃（含陪月員，1個月/1年）", "外籍家傭－精選計劃", "外籍家傭－全面計劃", "自選升級保障（危疾保障+提早終止僱傭合約保障）" ], "coverage": [ { "item": "僱主責任保障（僱員補償條例）", "limit": "每宗事故 HK$100,000,000（所有計劃）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "門診費用", "limit": "精選 HK$2,000/年（每日每次 HK$150）；全面 HK$3,500/年（每日每次 HK$200）；跌打/物理治療/脊椎治療 HK$500/年（每日每次 HK$100）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=2", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 2, "quote": "1. 門診費用 $2,000/每年2 $3,500/每年2 ... (1) 門診費用及處方藥物 $150/每天/每次 $200/每天/每次 ... 2. 住院及手術費用 $20,000/每年2 $35,000/每年2" }, { "item": "住院及手術費用", "limit": "精選 HK$20,000/年；全面 HK$35,000/年（病房每日HK$300；手術費每宗 HK$10,000/16,000；麻醉 HK$2,500/4,000；手術室 HK$1,250/2,000）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=2", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 2, "quote": "1. 門診費用 $2,000/每年2 $3,500/每年2 ... (1) 門診費用及處方藥物 $150/每天/每次 $200/每天/每次 ... 2. 住院及手術費用 $20,000/每年2 $35,000/每年2" }, { "item": "牙科費用（賠三分之二）", "limit": "精選 HK$1,000/年；全面 HK$1,500/年", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "人身意外保障（休假期間）", "limit": "精選：意外死亡/永久完全傷殘 HK$100,000；全面：HK$200,000（另涵蓋喪失聆聽/說話能力）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "家傭個人財物保障", "limit": "全面計劃 HK$10,000/年（每件 HK$1,000；自負額 HK$200）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "家傭個人責任保障（第三者）", "limit": "本地計劃 HK$50,000/每段保險期；精選 HK$100,000/年；全面 HK$200,000/年", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "送返費用", "limit": "精選 HK$10,000/年；全面 HK$20,000/年", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "臨時替工津貼（住院第4天起）", "limit": "精選 HK$3,000/年（HK$150/日）；全面 HK$7,500/年（HK$250/日）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "補聘家傭費用", "limit": "全面計劃 HK$10,000/年", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "家傭誠信保障", "limit": "全面計劃 HK$10,000/年（長途電話 HK$3,500；更換門鎖 HK$500）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "家庭成員醫療費用（家傭故意/惡意行為致5歲以下或75歲以上家人受傷）", "limit": "全面計劃 HK$5,000/年", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "自選升級保障－危疾保障（40種危疾住院及手術）", "limit": "精選 HK$70,000/年；全面 HK$150,000/年（90天等候期）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "自選升級保障－提早終止僱傭合約（一年兩次後補聘費用）", "limit": "精選 HK$2,500/年；全面 HK$5,000/年（自負額 HK$500）", "source_url": "https://www.bochk.com/tc/insurance/family/helper.html#page=4", "document_name": "智幫手家傭保障計劃產品冊子（中銀集團保險，LDE/LDF/ODE-L-2025-V01）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300" }, { "item": "僱主責任（僱員補償）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "本地家傭：HK$150/月 或 HK$300/年；外籍家傭：HK$550–HK$1,350（精選 1年 HK$550 / 2年 HK$990；全面 1年 HK$750 / 2年 HK$1,350）", "premium_available": true, "premium_notes": "自選升級保障：精選 1年 HK$350 / 2年 HK$630；全面 1年 HK$600 / 2年 HK$1,080；保費已包括僱員補償保險徵款，未包括保監局徵費；本地計劃可每次 HK$80 延長31天（最多延至12個月）；中銀香港手機銀行投保享首期75–85折推廣", "key_terms": [ "受保家傭年齡18至65歲；投保人須18歲以上", "門診、住院手術、牙科設15天等候期（意外除外）；危疾保障設90天等候期", "外籍家傭計劃設15日保單審閱期；提供自動續保服務", "索賠文件需於事發後30天內提交" ], "exclusions": [ "戰爭、核武、輻射或恐怖主義活動（另有列明除外）", "自殺、懷孕、酗酒或未經處方藥物", "愛滋病/HIV", "保單生效前已存在的病狀", "香港以外發生的任何事故", "精神病或性病、身體檢查", "遺失金錢貴重物品（個人財物保障）", "居所內事故或食物中毒（個人責任保障）", "中醫治療費用（危疾保障）" ], "source_urls": [ "https://www.bochk.com/tc/insurance/family/helper.html" ], "documents_found": [ "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com 2025-2026 現行版）" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "保費表：外籍家傭精選計劃1年HK$550/2年HK$990；全面計劃1年HK$750/2年HK$1,350；本地家務助理計劃1年HK$300", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 4, "quote": "外籍家傭 精選計劃 全面計劃 保險期 一年期 二年期 一年期 二年期 基本保障 $550 $990 $750 $1,350 自選升級保障 $350 $630 $600 $1,080 ... 本地家務助理計劃* 保險期 一個月期** 一年期 基本保障 $150 $300", "url": "https://www.bochk.com/tc/insurance/family/helper.html" }, { "claim_field": "coverage", "claim_summary": "僱主責任保障：《僱員補償條例》下法律責任，每宗事故HK$100,000,000", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 3, "quote": "7. 僱主責任保障 保障根據《僱員補償條例》下，僱主需為受保家傭蒙受病痛、疾病或身體損傷承擔的法律責任 $100,000,000/每宗事故", "url": "https://www.bochk.com/tc/insurance/family/helper.html" }, { "claim_field": "coverage", "claim_summary": "門診費用每年HK$2,000/3,500（每日每次150/200）；住院及手術費用每年20,000/35,000", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 2, "quote": "1. 門診費用 $2,000/每年2 $3,500/每年2 ... (1) 門診費用及處方藥物 $150/每天/每次 $200/每天/每次 ... 2. 住院及手術費用 $20,000/每年2 $35,000/每年2", "url": "https://www.bochk.com/tc/insurance/family/helper.html" }, { "claim_field": "coverage", "claim_summary": "人身意外保障：意外死亡/永久完全傷殘100,000/200,000；家傭個人責任保障每年100,000/200,000", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 2, "quote": "4. 人身意外保障 因受保家傭於香港休假期間身體損傷 (1) 意外死亡 $100,000 $200,000 (2) 永久完全傷殘 $100,000/每宗事故 $200,000/每宗事故 ... 6. 家傭個人責任保障 受保家傭於香港因疏忽所牽涉的第三者法律責任 $50,000/每段保險期 $100,000/每年2 $200,000/每年2", "url": "https://www.bochk.com/tc/insurance/family/helper.html" }, { "claim_field": "coverage", "claim_summary": "牙科費用每年1,000/1,500（賠償牙科費用的3分之2）", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 2, "quote": "3. 牙科費用 因受保家傭牙患而需由註冊牙醫脫牙、補牙、X 光檢查、治療膿腫及口腔手術(賠償牙科費用的3分之2) $1,000/每年2 $1,500/每年2", "url": "https://www.bochk.com/tc/insurance/family/helper.html" }, { "claim_field": "key_terms", "claim_summary": "門診、住院及手術、牙科保障設15天等候期（因意外引起除外）；危疾保障等候期90天", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 2, "quote": "等候期:15天 (因意外引起除外)（列於門診費用、住院及手術費用、牙科費用各項下）", "url": "https://www.bochk.com/tc/insurance/family/helper.html" }, { "claim_field": "key_terms", "claim_summary": "投保家傭年齡為18歲至65歲；基本保障必須投保", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 5, "quote": "2. 投保家傭年齡為18歲至65歲，並受僱於投保人處理家務工作的全職合約外籍家傭或全職或兼職之本地家務助理/陪月員。 3. 基本保障必須投保。", "url": "https://www.bochk.com/tc/insurance/family/helper.html" }, { "claim_field": "key_terms", "claim_summary": "任何索賠文件需於事發後30天內提交", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 5, "quote": "任何索賠文件需於事發後30天內向中銀集團保險提交。", "url": "https://www.bochk.com/tc/insurance/family/helper.html" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：戰爭/核武/輻射/恐怖主義、自殺、懷孕、酗酒或非處方藥物、愛滋病/HIV、保單生效前已存在的病狀、香港以外事故、精神病或性病、身體檢查等", "document": "中銀集團保險「智幫手家傭保障計劃」官方產品冊子及現行保障表（bochk.com）", "page": 5, "quote": "主要不保事項(詳情請參閱保單) 戰爭、侵略、核武器、輻射或恐怖主義活動(另有列明則除外)；自殺、懷孕、酗酒或服用非註冊醫生處方指定之藥物；愛滋病、人體免疫力缺乏病毒；在保單生效前已存在的病狀；在香港以外發生的任何事故 ; 精神病或性病、身體檢查", "url": "https://www.bochk.com/tc/insurance/family/helper.html" } ], "official_buy_url": "https://www.bocgins.com/index.html?target=helper", "promo": { "tag": "最新優惠", "note": "中銀信用卡或客戶投保享專屬優惠，本地/外傭雙選", "buy_url": "https://www.bocgins.com/index.html?target=helper" }, "review_notes": [ "2026-10-02：隔離 1 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "domestic-helper-blue-cross", "category": "domestic-helper", "insurer": "Blue Cross", "insurer_zh": "藍十字", "product_name": "MaidSafe Insurance", "product_name_zh": "家傭至專寶", "plan_tiers": [ "計劃 A（僱員補償保障，適用所有家傭包括兼職）", "計劃 B（全職海外家傭）", "計劃 C（全職海外家傭，保障較高）", "自選保障：嚴重疾病保障（千足金/藍鑽石），附加於計劃B或C" ], "coverage": [ { "item": "僱主責任（僱員補償）", "limit": "每宗事故 HK$100,000,000（所有計劃）", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "人身意外（家傭在港休假期間意外身故或永久傷殘）", "limit": "每年：計劃A不適用；計劃B HK$100,000；計劃C HK$150,000", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "門診保障（醫療診症及處方藥物）", "limit": "每日：計劃B HK$150；計劃C HK$200；跌打/物理治療/脊椎治療每日HK$100、每年HK$500；每年總額 B HK$3,000 / C HK$6,000", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "住院及手術保障", "limit": "病房每日 HK$300；外科醫生費每宗傷病 HK$10,000（麻醉師25%、手術室12.5%）；每年總額 B HK$20,000 / C HK$25,000；每宗索償自付額 HK$300", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=2", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 2, "quote": "住院及手術保障 - 病房費用（包括醫院雜項費用） 每天限額 - 300 300 - 外科醫生費用 每宗傷病限額 - 10,000 10,000 ... 每年總賠償額 不適用 20,000 25,000" }, { "item": "中斷服務現金津貼（住院第4天起）", "limit": "每日 HK$200；每年 B HK$4,000 / C HK$6,000", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "牙科保障（口腔手術、治療膿腫、X光、拔牙或補牙）", "limit": "每日 HK$250；每年 HK$1,500（計劃B及C）", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "送返費用（嚴重傷病送返及遺體/骨灰運送）", "limit": "每年 HK$20,000", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "補聘新家傭費用", "limit": "每年：計劃B HK$3,000；計劃C HK$10,000", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "家傭誠信保障", "limit": "每年 HK$3,000", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "個人責任（家傭疏忽引致第三者法律責任）", "limit": "每宗意外/每一保險期 HK$200,000（僅計劃C；每宗索償自付額 HK$500）", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "自選嚴重疾病保障（心臟病、癌病、囊胞、腫瘤或原位癌）", "limit": "千足金：伸延門診及住院手術保障；藍鑽石：另加額外住院及手術保障 B HK$20,000 / C HK$25,000", "source_url": "/docs/brochures/ap-maidsafe_insurance_leaflet.pdf#page=1", "document_name": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034" }, { "item": "門診費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院及手術費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "牙科費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "個人意外（休假期間）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "HK$350–HK$2,034（1年/2年，視乎計劃及自選保障）", "premium_available": true, "premium_notes": "計劃A：1年 HK$350 / 2年 HK$630；計劃B：1年 HK$650（+千足金後850 / +藍鑽石後970）/ 2年 HK$1,170（1,530 / 1,746）；計劃C：1年 HK$750（1,000 / 1,130）/ 2年 HK$1,350（1,800 / 2,034）；取消基本保障最低保費每年HK$300；官方不時提供網上投保優惠碼低至5折", "key_terms": [ "家傭投保年齡18至60歲，可續保至65歲", "門診、住院手術、中斷服務津貼及牙科設15天等候期", "保障只適用於香港境內發生的受保事故", "計劃A不適用於陪月員、須駕駛或年收入超過HK$200,000的家傭，申請時無須填寫受保家傭姓名" ], "exclusions": [ "戰爭及恐怖活動", "石棉引致的損失", "既有傷病", "身體檢查", "分娩、懷孕、流產、墮胎及所有併發症", "自我毀傷、自殺或企圖自殺", "酒精、麻醉藥或未經處方藥物引致的治療", "愛滋病及相關疾病" ], "source_urls": [ "https://www.bluecross.com.hk/ch/MaidSafe-Insurance/Information", "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" ], "documents_found": [ "家傭至專寶產品單張（MD152/03.2024）: https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf", "網上投保: https://www.bluecross.com.hk/ch/MaidSafe-Insurance/Application" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "保費表：計劃A 1年HK$350/2年HK$630；計劃B 1年HK$650–970/2年HK$1,170–1,746；計劃C 1年HK$750–1,130/2年HK$1,350–2,034", "document": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 1, "quote": "Plan B 1-year 650 200 850 320 970 2-year 1,170 360 1,530 576 1,746 Plan C 1-year 750 250 1,000 380 1,130 2-year 1,350 450 1,800 684 2,034", "url": "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "僱主責任：《僱員補償條例》下僱主法律責任，每宗事故HK$100,000,000", "document": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 2, "quote": "僱主責任 - 保障《僱員補償條例》下僱主的法律責任 每宗事故 100,000,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "門診保障：每天限額150/200，每年總賠償額3,000/6,000；跌打等每年500", "document": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 2, "quote": "門診保障 - 門診費用及處方藥物 每天限額 - 150 200 ... 每年總賠償額 不適用 3,000 6,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "住院及手術保障：病房費每天300；外科醫生費每宗傷病10,000；每年總賠償額20,000/25,000", "document": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 2, "quote": "住院及手術保障 - 病房費用（包括醫院雜項費用） 每天限額 - 300 300 - 外科醫生費用 每宗傷病限額 - 10,000 10,000 ... 每年總賠償額 不適用 20,000 25,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "人身意外：每年總賠償額100,000/150,000；個人責任：每宗意外200,000（計劃C）", "document": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 2, "quote": "人身意外 - 家傭在港休假期間意外不幸身故或永久傷殘 每年總賠償額 不適用 100,000 150,000 ... 個人責任 - 因家傭疏忽所牽涉的第三者法律責任 每宗意外／每一保險期 不適用 不適用 200,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" }, { "claim_field": "key_terms", "claim_summary": "計劃B及C只適合全職海外家傭；投保年齡18至60歲，可續保至65歲", "document": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 2, "quote": "計劃 B 及計劃 C 只適合全職海外家傭。 ... 家傭投保年齡為18至60歲，保單可續保至家傭滿65歲。", "url": "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" }, { "claim_field": "key_terms", "claim_summary": "門診、住院及手術、中斷服務現金津貼及牙科保障設15天等候期；保障只適用於香港境內", "document": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 2, "quote": "基本保障內的門診保障、住院及手術保障、中斷服務現金津貼及牙科保障均設有等候期，即基本保障生效日起計15天。 ... 此計劃所提供的保障只適用於香港特別行政區境內發生的受保事故。", "url": "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：戰爭及恐怖活動、石棉、既有傷病、身體檢查、分娩/懷孕/流產/墮胎、自殺或自我毀傷、酒精/麻醉藥/非處方藥物、愛滋病及有關疾病", "document": "MaidSafe Insurance Leaflet 家傭至專寶產品單張（藍十字，MD152/03.2024）", "page": 2, "quote": "主要不保事項 1. 戰爭及恐怖活動。 2. 因石棉導致損失的任何責任。 3. 既有傷病。 4. 身體檢查。 5. 分娩、懷孕、流產、墮胎及所有併發症。 6. 自我毀傷、自殺或任何此等企圖，不論精神狀況是否正常。 7. 因酒精、麻醉藥或未經醫生處方的藥物引致昏迷或中毒，或與酗酒或濫藥有關的治療。 8. 愛滋病及其有關的疾病。", "url": "https://ap.bluecross.com.hk/shared/leaflets/MaidSafe_Insurance_Leaflet.pdf" } ], "official_buy_url": "https://www.bluecross.com.hk/ch/MaidSafe-Insurance/Information", "promo": { "tag": "最新優惠", "note": "網上投保即享保費折扣，設高額醫療及傭工誠信保障", "buy_url": "https://www.bluecross.com.hk/ch/MaidSafe-Insurance/Information" }, "review_notes": [ "2026-10-02：隔離 4 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "domestic-helper-dah-sing", "category": "domestic-helper", "insurer": "Dah Sing", "insurer_zh": "大新保險", "product_name": "MaidSure Domestic Helper Insurance Plan", "product_name_zh": "「樂融傭」家傭保障計劃", "plan_tiers": [ "海外家傭－標準計劃 Standard", "海外家傭－綜合計劃 Comprehensive", "本地家務助理－僱員補償計劃", "陪月員－僱員補償計劃（3個月）" ], "coverage": [ { "item": "僱主責任（僱員補償條例及普通法）", "limit": "每宗事故 HK$100,000,000（所有計劃）", "source_url": "/docs/brochures/dahsing-wmd_gi_maidsure.pdf#page=5", "document_name": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 5, "quote": "海外家庭傭工 1年 基本計劃 450 綜合計劃 680；2年 800 1,088；本地家務助理 1年 300、2年 500；陪月員 3個月 500" }, { "item": "門診醫療", "limit": "標準：每年 HK$2,000（西醫每日每次 HK$100）；綜合：每年 HK$4,500（每日每次 HK$150）；跌打/物理治療每日每次 HK$100、每年 HK$500", "source_url": "/docs/brochures/dahsing-wmd_gi_maidsure.pdf#page=3", "document_name": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 3, "quote": "門診醫療 家傭因患病或意外受傷而須在港接受門診醫療的費用 每保單年最高保障額 每保單年 2,000 每保單年 4,500 註冊西醫治療 每日每次就診最高保障額 每日每次 100 每日每次 150 註冊跌打或物理治療 每日每次就診最高保障額 每日每次 100 每日每次 100 每保單年最高保障額 每保單年 500 每保單年 500" }, { "item": "住院醫療", "limit": "每年 HK$30,000（住房膳食每日 HK$300；住院雜費每宗 HK$10,000；手術每項 HK$10,000；麻醉每項 HK$2,500；手術室每項 HK$1,250）", "source_url": "/docs/brochures/dahsing-wmd_gi_maidsure.pdf#page=3", "document_name": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 3, "quote": "住院醫療 家傭因患病或意外受傷而在港住院的醫療費用 每保單年最高保障額 每保單年 30,000 每保單年 30,000 每日住房及膳食 每日 300 每日 300 每次住院的住院雜費 每宗事故 10,000 每宗事故 10,000 手術(包括日症病人的手術或日間手術費用) 每項手術 10,000 每項手術 10,000" }, { "item": "牙科醫療（口腔手術、膿腫、X光、拔牙或補牙）", "limit": "每年 HK$1,500（每次就診 HK$500）", "source_url": "/docs/brochures/dahsing-wmd_gi_maidsure.pdf#page=5", "document_name": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 5, "quote": "海外家庭傭工 1年 基本計劃 450 綜合計劃 680；2年 800 1,088；本地家務助理 1年 300、2年 500；陪月員 3個月 500" }, { "item": "送返原居地費用", "limit": "每年 HK$20,000", "source_url": "/docs/brochures/dahsing-wmd_gi_maidsure.pdf#page=5", "document_name": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 5, "quote": "海外家庭傭工 1年 基本計劃 450 綜合計劃 680；2年 800 1,088；本地家務助理 1年 300、2年 500；陪月員 3個月 500" }, { "item": "服務中斷保障（住院連續24小時以上）", "limit": "綜合計劃：每年 HK$6,000（每日 HK$200）；標準計劃不適用", "source_url": "/docs/brochures/dahsing-wmd_gi_maidsure.pdf#page=5", "document_name": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 5, "quote": "海外家庭傭工 1年 基本計劃 450 綜合計劃 680；2年 800 1,088；本地家務助理 1年 300、2年 500；陪月員 3個月 500" }, { "item": "僱主責任（僱員補償）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院及手術費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "牙科費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "個人意外（休假期間）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "遣返 / 送返費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "補聘家傭費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "服務中斷津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "家傭誠信保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "海外家傭：標準 1年 HK$450 / 2年 HK$800；綜合 1年 HK$680 / 2年 HK$1,088；本地家務助理僱員補償：1年 HK$300 / 2年 HK$500；陪月員：3個月 HK$500", "premium_available": true, "premium_notes": "保費須另加保監局保費徵費；大新銀行為授權持牌代理，不時提供分行/網上投保折扣", "key_terms": [ "受保海外家傭年齡須介乎18至65歲", "65歲以上海外家傭、護理員、司機或園丁等需個別聯絡大新保險核保", "索償以保單文件為準" ], "exclusions": [ "戰爭引致的意外", "保單起保前3個月內已存在的狀況", "懷孕及相關併發症", "HIV/愛滋病及性病", "自殺", "香港以外發生的索償（僱主責任部分除外）" ], "source_urls": [ "https://www.dahsing.com/html/en/insurance/general_insurance/domestic_helper_insurance.html", "https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" ], "documents_found": [ "「樂融傭」家傭保障計劃產品冊子（2025MaidSure-Current，含保障範圍一覽表及保費表）: https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "保費表：海外家庭傭工1年基本計劃HK$450/綜合計劃HK$680，2年HK$800/HK$1,088；本地家務助理1年300/2年500；陪月員3個月500", "document": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 5, "quote": "海外家庭傭工 1年 基本計劃 450 綜合計劃 680；2年 800 1,088；本地家務助理 1年 300、2年 500；陪月員 3個月 500", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" }, { "claim_field": "coverage", "claim_summary": "僱主責任：《僱員補償條例》及普通法下責任，每宗事故最高保障額HK$100,000,000（所有計劃）", "document": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 3, "quote": "僱主責任 根據《僱員補償條例》及普通法，保障僱主須為其家傭或其他保障類別之家務助理因蒙受身體損傷而須承擔之法津責任 每宗事故最高保障額 100,000,000 100,000,000 100,000,000", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" }, { "claim_field": "coverage", "claim_summary": "門診醫療：每保單年2,000/4,500；註冊西醫每日每次100/150；跌打或物理治療每日每次100、每年500", "document": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 3, "quote": "門診醫療 家傭因患病或意外受傷而須在港接受門診醫療的費用 每保單年最高保障額 每保單年 2,000 每保單年 4,500 註冊西醫治療 每日每次就診最高保障額 每日每次 100 每日每次 150 註冊跌打或物理治療 每日每次就診最高保障額 每日每次 100 每日每次 100 每保單年最高保障額 每保單年 500 每保單年 500", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" }, { "claim_field": "coverage", "claim_summary": "住院醫療：每保單年30,000；每日住房及膳食300；住院雜費每宗事故10,000；手術每項10,000", "document": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 3, "quote": "住院醫療 家傭因患病或意外受傷而在港住院的醫療費用 每保單年最高保障額 每保單年 30,000 每保單年 30,000 每日住房及膳食 每日 300 每日 300 每次住院的住院雜費 每宗事故 10,000 每宗事故 10,000 手術(包括日症病人的手術或日間手術費用) 每項手術 10,000 每項手術 10,000", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" }, { "claim_field": "coverage", "claim_summary": "牙科醫療：每保單年1,500（每次就診500）；送返回國每保單年20,000；服務中斷每保單年6,000（每日200）", "document": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 3, "quote": "牙科醫療 家傭因口腔疾病而須在港接受治療的牙齒護理費用，例如：口腔手術、膿腫治療、X-光檢查、拔牙或補牙 每保單年最高保障額 每保單年 1,500 每保單年 1,500 每次就診最高保障額 每日每次 500 每日每次 500 ... 送返回國 每保單年最高保障額 每保單年 20,000 每保單年 20,000 ... 服務中斷 每保單年最高保障額 不適用 每保單年 6,000 每住院日最高保障額 不適用 每日 200", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" }, { "claim_field": "key_terms", "claim_summary": "65歲以上海外家傭、護理員、司機或園丁等須個別向大新保險查詢核保", "document": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 5, "quote": "重要事項 如僱主有意為65歲以上的海外家傭、照顧長者或傷健人士之護理員、全職或兼職負責其他職務之傭工，例如：司機或園丁等，歡迎致電大新保險查詢。", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不承保事項：戰爭引發的意外、保險生效前3個月已存在的傷病、懷孕及有關事項、愛滋病及性病、自殺、香港境外引致的索償（僱主責任除外）", "document": "「家傭寶」家庭傭工保障計劃產品單張（大新保險，WMD_GI_MaidSure）", "page": 5, "quote": "主要不承保事項 - 因戰爭引發的意外 - 在保險生效前3個月已存在的傷病 - 懷孕及有關事項 - 愛滋病及性病 - 自殺 - 任何在香港境外引致的索償（「僱主責任」保障項目除外）", "url": "https://www.dahsing.com/pdf/wm/WMD_GI_MaidSure.pdf" } ], "official_buy_url": "https://www.dahsing.com/html/tc/insurance/general_insurance/domestic_helper_insurance.html", "promo": { "tag": "最新優惠", "note": "大新網上專享保費優惠；2年保單更划算", "buy_url": "https://www.dahsing.com/html/tc/insurance/general_insurance/domestic_helper_insurance.html" }, "review_notes": [ "2026-10-02：隔離 9 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "domestic-helper-msig", "category": "domestic-helper", "insurer": "MSIG", "insurer_zh": "三井住友保險", "product_name": "iHelper Insurance", "product_name_zh": "iHelper 家庭傭工保險", "plan_tiers": [ "基本計劃 Essential（本地及海外家傭）", "標準計劃 Standard（海外家傭）", "優進計劃 Enhanced（海外家傭）", "自選保障1：癌症及心臟病；自選保障2：癌症及心臟病（升級，限45歲以下）；自選保障3：門診費用（升級）" ], "coverage": [ { "item": "僱員補償保障", "limit": "每宗事故 HK$100,000,000（所有計劃）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=8", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 8, "quote": "1. 僱員補償保障 • 每宗事故最高限額 100,000,000 100,000,000 100,000,000" }, { "item": "門診費用", "limit": "基本：不適用；標準 HK$3,000/年；優進 HK$4,000/年（每次每日 HK$200；中醫及物理治療 HK$600–700/年，每次 HK$120–150）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=8", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 8, "quote": "2. 門診費用 3,000 4,000 • 每日診症一次及每次最高限額 200 200 ... 3. 手術及住院費用 25,000 30,000" }, { "item": "手術及住院費用", "limit": "標準 HK$25,000/年；優進 HK$30,000/年（住院每日 HK$350；手術費每次 HK$15,000/20,000；麻醉25%；手術室12.5%；日間手術包括在內）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=8", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 8, "quote": "2. 門診費用 3,000 4,000 • 每日診症一次及每次最高限額 200 200 ... 3. 手術及住院費用 25,000 30,000" }, { "item": "服務中斷保障", "limit": "標準 HK$5,000/年（每日 HK$250，住院第4日起）；優進 HK$6,000/年（每日 HK$300，住院第1日起）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "牙醫費用", "limit": "HK$1,500/年（每次賠實際費用三分之二）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "個人意外保障", "limit": "優進計劃 HK$100,000（基本及標準不適用）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=8", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 8, "quote": "6. 個人意外保障 不適用 100,000 7. 遣返原居地費用 不適用 20,000 20,000 ... 14. 家庭傭工責任保障 • 每宗事故最高限額 150,000 150,000" }, { "item": "遣返原居地費用", "limit": "HK$20,000/年", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=8", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 8, "quote": "6. 個人意外保障 不適用 100,000 7. 遣返原居地費用 不適用 20,000 20,000 ... 14. 家庭傭工責任保障 • 每宗事故最高限額 150,000 150,000" }, { "item": "補聘家傭費用", "limit": "標準 HK$5,000；優進 HK$10,000", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "家傭忠誠責任保障", "limit": "HK$10,000（未經授權電話費 HK$3,000）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "更換及安裝大門門鎖或鐵閘鎖費用", "limit": "HK$1,000", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "自動延長保障期（家傭離職未能聘新傭）", "limit": "優進計劃每年一次，最長3個月", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "家庭成員受虐保障（含創傷輔導）", "limit": "HK$10,000（創傷輔導每日每次 HK$1,000）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "個人物品/金錢損失", "limit": "HK$10,000（每件物品 HK$1,000；金錢每索賠 HK$3,000；自負額 HK$200）", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "家庭傭工責任保障（第三者）", "limit": "每宗事故 HK$150,000", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660" }, { "item": "自選癌症及心臟病（升級）保障", "limit": "手術及住院提升至標準 HK$95,000 / 優進 HK$100,000", "source_url": "/docs/brochures/msig-ihelper_20insurance_20brochure_march_202026.pdf#page=9", "document_name": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "1 自選保障不適用於基本計劃。 2 只適用於投保時年齡為45歲以下的家庭傭工。" } ], "premium_range": "HK$380–HK$1,350（基本：1年 HK$380 / 2年 HK$688；標準：HK$568 / HK$1,028；優進：HK$750 / HK$1,350）", "premium_available": true, "premium_notes": "自選保障1：1年 HK$120 / 2年 HK$200；自選保障2：HK$250 / HK$450；自選保障3：標準 HK$280/500、優進 HK$380/660；保費須另加保監局徵費；官網推廣碼 MSIG20 享55折（推廣優惠）", "key_terms": [ "海外家傭須獲入境處批准全職家務工作，年齡16至65歲", "門診、手術住院、服務中斷及牙醫設14天等候期；自選保障1及2設90天等候期", "自選保障不適用於基本計劃；自選保障2限投保時45歲以下家傭", "受保家傭工作地址須與標準僱傭合約地址相同" ], "exclusions": [ "16歲以下或65歲以上家傭", "蓄意自傷或自殺、神經或精神疾病、性病、先天性異常、不育、絕育、心臟病或癌症（未購自選保障者）", "療養或身體檢查", "疫苗、免疫注射或預防性藥物", "牙科例行檢查、洗牙、磨牙及鑲牙冠", "源自香港以外的遣返或遺體運送" ], "source_urls": [ "https://www.msig.com.hk/en/personal-insurance/domestic-helper-insurance", "https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf", "https://www.msig.com.hk/ihelper" ], "documents_found": [ "iHelper 家庭傭工保險產品冊子（2026年3月版，含保費表）: https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf", "家庭傭工保險投保書 H1039: https://www.msig.com.hk/sites/msig_hk/files/H1039_Domestic_Helper_Insurance_form_May_2025.pdf" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "保費表：基本計劃1年HK$380/2年HK$688；標準計劃568/1,028；優進計劃750/1,350；自選保障另計", "document": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "保費3 (港幣) 基本計劃 標準計劃 優進計劃 年期 1 年 2 年 1 年 2 年 1 年 2 年 保費3（港幣） 380 688 568 1,028 750 1,350 自選保障 1 120 200 120 200 自選保障 2 不適用 250 450 250 450 自選保障 3 280 500 380 660", "url": "https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf" }, { "claim_field": "coverage", "claim_summary": "僱員補償保障：每宗事故最高限額HK$100,000,000（所有計劃）", "document": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 8, "quote": "1. 僱員補償保障 • 每宗事故最高限額 100,000,000 100,000,000 100,000,000", "url": "https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf" }, { "claim_field": "coverage", "claim_summary": "門診費用每年3,000/4,000（每次200）；手術及住院費用每年25,000/30,000", "document": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 8, "quote": "2. 門診費用 3,000 4,000 • 每日診症一次及每次最高限額 200 200 ... 3. 手術及住院費用 25,000 30,000", "url": "https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf" }, { "claim_field": "coverage", "claim_summary": "個人意外保障100,000（優進計劃）；遣返原居地費用20,000；家庭傭工責任保障每宗事故150,000", "document": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 8, "quote": "6. 個人意外保障 不適用 100,000 7. 遣返原居地費用 不適用 20,000 20,000 ... 14. 家庭傭工責任保障 • 每宗事故最高限額 150,000 150,000", "url": "https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf" }, { "claim_field": "key_terms", "claim_summary": "等候期：基本、標準及優進計劃14日；自選保障1及2為90日", "document": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "等候期4 計劃 基本、標準及優進計劃 自選保障1及2 等候期 14 日 90 日", "url": "https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf" }, { "claim_field": "key_terms", "claim_summary": "受保海外家傭須獲入境處合法批准全職家務工作，年齡介乎16至65歲", "document": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 2, "quote": "Overseas domestic helper must be employed for full time domestic service which has been legally approved by Hong Kong Immigration Department and he/she is aged between 16 and 65.", "url": "https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf" }, { "claim_field": "key_terms", "claim_summary": "自選癌症及心臟病（升級）保障只適用於投保時45歲以下家傭；自選保障不適用於基本計劃", "document": "iHelper Insurance Brochure 家傭保險產品小冊子（MSIG，2026年3月）", "page": 9, "quote": "1 自選保障不適用於基本計劃。 2 只適用於投保時年齡為45歲以下的家庭傭工。", "url": "https://www.msig.com.hk/sites/msig_hk/files/iHelper%20Insurance%20Brochure_March%202026.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保項目：16歲以下或65歲以上家傭；蓄意自傷或自殺、精神/神經疾病、性病、先天性異常、不育、絕育、心臟病或癌症；療養或身體檢查；疫苗/免疫/預防藥物；例行口腔檢查/洗牙/鑲牙冠；香港以外起運之遣返或遺體運送", "document": "MSIG iHelper Insurance 官方產品網頁（Exclusions 一節）", "page": null, "quote": "Exclusions: Helper who is below 16 years old or above 65 years old; Self-inflicted injury or suicide, nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilisation, heart disease or cancer; Rest-cure or physical check-up; Vaccinations, immunisation, injections or preventive medication; Routine examination, scaling, polishing or cleaning and crowning; Repatriation or transportation of mortal remains originating outside Hong Kong", "url": "https://www.msig.com.hk/en/personal-insurance/domestic-helper-insurance" }, { "claim_field": "key_terms", "claim_summary": "受保家傭在保險期內須於標準僱傭合約指定地址工作，該地址須與受保地址相同", "document": "MSIG iHelper Insurance 官方產品網頁（注意事項）", "page": null, "quote": "The insured Domestic Helper shall work in the address as specified in the standard Employment Contract during the period of insurance and that address must be same as the Insured Address.", "url": "https://www.msig.com.hk/en/personal-insurance/domestic-helper-insurance" } ], "promo": { "tag": "最新優惠", "note": "輸入優惠碼 `MHERO` / `MSIG20` 享低至 55 折至 8 折" }, "official_buy_url": "https://www.msig.com.hk/en/personal-insurance/domestic-helper-insurance", "review_notes": [ "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ] }, { "id": "domestic-helper-qbe", "category": "domestic-helper", "insurer": "QBE", "insurer_zh": "昆士蘭保險", "product_name": "Domestic Helper Protector", "product_name_zh": "家傭全險", "plan_tiers": [ "全保障計劃（All Sections，1年/2年）", "僱主責任+個人意外計劃（Section 1 & 5 only）", "自選附加：癌症及心臟病保障" ], "coverage": [ { "item": "僱主責任（僱員補償保險）", "limit": "每宗事故最高 HK$100,000,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "診療費用", "limit": "註冊西醫每日每次 HK$200；註冊/表列中醫（含跌打）或物理治療每日每次 HK$100（每年上限 HK$500）；每年總額 HK$4,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=2", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 2, "quote": "The policy pays the actual clinical expenses incurred resulting from sickness or injury sustained by your domestic helper, covering up to HK$200 per visit per day for treatment by a legally qualified and registered medical practitioner. This policy also pays for treatment by registered or listed Chinese medical practitioners (including bone-setting) or physiotherapists, covering up to HK$100 per visit per day and maximum HK$500 for each 12-month period. The maximum amount payable under this Section is HK$4,000 for each 12-month period." }, { "item": "外科手術及住院費用", "limit": "住院每日 HK$300；每病症手術費 HK$10,000（麻醉25%、手術室12.5%）；每病症及每年上限 HK$30,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "牙科費用", "limit": "實際費用三分之二，每年上限 HK$1,500", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=2", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 2, "quote": "• Accidental death HK$200,000 • Permanent total disablement HK$200,000 ... the policy pays two-thirds of the actual necessary and reasonable expenses incurred up to a maximum of HK$1,500 for each 12-month period" }, { "item": "個人意外賠償（休息日非因工意外）", "limit": "意外死亡/永久完全傷殘 HK$200,000；喪失一肢或一目 HK$100,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "中斷服務現金津貼（住院第4天起）", "limit": "每日 HK$200，每年上限 HK$6,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "運送（遣返）費用", "limit": "每年上限 HK$20,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "重新聘用家傭費用", "limit": "每年上限 HK$10,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "家傭忠誠保障", "limit": "每年上限 HK$3,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "家傭個人法律責任（第三者）", "limit": "每年合計上限 HK$500,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "自選癌症及心臟病附加保障", "limit": "外科手術及住院全年賠償額提升至 HK$100,000；化驗費用 HK$5,000", "source_url": "/docs/brochures/qbe-domestic-helper-protector-plan.pdf#page=3", "document_name": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元" }, { "item": "僱主責任（僱員補償）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "門診費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院及手術費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "個人意外（休假期間）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "HK$450–HK$1,350（全保障：1年 HK$750 / 2年 HK$1,350；僱主責任+個人意外：1年 HK$450 / 2年 HK$810）", "premium_available": true, "premium_notes": "自選癌症及心臟病附加保障：1年 HK$250 / 2年 HK$450（只適用於全保障計劃）；每份保單最低保費 HK$450；另設經宏利分銷的多計劃版本（計劃1/2/3，1年約 HK$457–985）", "key_terms": [ "家傭年齡須為18至65歲", "第2、3、4及6項保障設10天等候期", "小冊子僅為摘要，以保單條款為準" ], "exclusions": [ "戰爭、恐怖主義（僱主責任除外）、石棉、核輻射", "自殺、懷孕或分娩", "酒精、未經處方麻醉品或藥物", "投保前已存在之狀況", "愛滋病及相關綜合症", "違法或拒捕", "僱主責任：肺塵病、間皮瘤", "診療/住院：精神病、性病、先天異常、不育、絕育、心臟病及癌症（除非已購自選保障）、療養、體檢、美容整形", "牙科：例行檢查、洗牙、牙冠、牙橋、牙箍及假牙" ], "source_urls": [ "https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/domestic-helper/hksi--domestic-helper-protector-plan-uwdbdmhv52001.pdf", "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" ], "documents_found": [ "QBE 昆士蘭保險 家傭綜合保險計劃官方規格", "Domestic Helper Protector 家傭全險產品冊子（含保費表及不保事項）: https://www.qbe.com/media/qbe/asia/hongkong/files/personal-insurance/domestic-helper/hksi--domestic-helper-protector-plan-uwdbdmhv52001.pdf", "QBE 家傭保險冊子（宏利分銷版本）: https://www.qbe.com/media/qbe/asia/hongkong/microsite/qtouch-personal-insurance/domestic-helper-insurance-brochure.pdf" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "保費表：所有保障項目1年HK$750/2年HK$1,350；癌症及心臟病附加保障250/450；第一及第五項保障450/810；最低保費HK$450", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Premium Table (HK$) 保費表（港元） PLAN 1 YEAR 2 YEARS 保障計劃 一年 兩年 All Sections 所有保障項目 750 1,350 Optional Cover — Cancer and Heart Disease Extension 自選保障項目 — 癌症及心臟病附加保障 250 450 Section 1 & 5 only 第一及第五項保障 450 810 Minimum premium per policy: HK$450 每份保單最低保費：450港元", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" }, { "claim_field": "coverage", "claim_summary": "僱主責任：任何一宗事故最高賠償HK$100 million（1億港元）", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 2, "quote": "1. Employer's Liability If your domestic helper suffers an injury or disease arising out of and in the course of her employment, this policy indemnifies you against your legal liability to pay compensation, costs and/or expenses. The maximum indemnity for any one event is HK$100 million.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" }, { "claim_field": "coverage", "claim_summary": "診療費用：每次診症最高HK$200，中醫/物理治療每次100、每年500；每12個月最高4,000", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 2, "quote": "The policy pays the actual clinical expenses incurred resulting from sickness or injury sustained by your domestic helper, covering up to HK$200 per visit per day for treatment by a legally qualified and registered medical practitioner. This policy also pays for treatment by registered or listed Chinese medical practitioners (including bone-setting) or physiotherapists, covering up to HK$100 per visit per day and maximum HK$500 for each 12-month period. The maximum amount payable under this Section is HK$4,000 for each 12-month period.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" }, { "claim_field": "coverage", "claim_summary": "手術及住院費用：每宗傷病/每12個月最高HK$30,000（房租每日300；手術每宗10,000）", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 2, "quote": "(a) HK$300 per day for room and board and other miscellaneous hospital charges (b) HK$10,000 per disability for surgical operation ... Total amount payable per disability shall not exceed HK$30,000. The maximum payable for each 12-month period is HK$30,000.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" }, { "claim_field": "coverage", "claim_summary": "個人意外賠償：意外死亡/永久完全傷殘HK$200,000；牙科費用三分之二最高1,500", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 2, "quote": "• Accidental death HK$200,000 • Permanent total disablement HK$200,000 ... the policy pays two-thirds of the actual necessary and reasonable expenses incurred up to a maximum of HK$1,500 for each 12-month period", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" }, { "claim_field": "key_terms", "claim_summary": "年齡限制：家傭年齡必須為18至65歲", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Age Limit 年齡限制 To qualify for this policy, the domestic helper must be between 18 and 65 years old. 家傭年齡必須為18至65歲", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" }, { "claim_field": "key_terms", "claim_summary": "等候期：保單生效起10天，適用於第2、3、4及6項保障", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "Waiting Period 等候期 A 10-day waiting period from the effective date of the policy shall be applicable under Sections 2, 3, 4 and 6. 由保單生效日期起10天內為等候期，等候期內投保人所支付任何有關第2、3、4及6項的費用將不會獲得賠償。", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不保事項：戰爭及有關風險、恐怖主義（僱主責任除外）、石棉、核能輻射、自殺、懷孕或生育、酗酒/非處方麻醉品或藥物、愛滋病、投保前已存在病症、違法或拒捕", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "General Exclusions Applicable to All Sections 適用於所有保障項目 War and allied perils, terrorism (except Employer's Liability), asbestos, nuclear fission or fusion and radioactive contamination, suicide, pregnancy or childbirth, intoxication by alcohol, narcotics or drugs not prescribed by a registered medical practitioner, pre-existing conditions, acquired immune deficiency syndrome (AIDS) or AIDS related complex (ARC), violation of the laws or resistance to arrest.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" }, { "claim_field": "exclusions", "claim_summary": "個別不保事項：診療/手術住院/中斷服務津貼不保精神病、性病、先天性異常、不育絕育避孕、心臟病及癌病（已投保附加保障除外）、療養、體檢、美容整形；牙科不保口腔檢查、洗牙、牙冠、牙橋、牙箍及假牙", "document": "Domestic Helper Protector 家傭全險產品小冊子（QBE 昆士蘭聯保）", "page": 3, "quote": "2. Clinical Expenses, Surgical and Hospitalisation Expenses, and Loss of Services Cash Allowances: Nervous or mental disease, venereal disease, congenital anomalies or deformities, infertility, sterilisation, contraception, heart disease and cancer (unless optional cover Cancer and Heart Disease Extension is insured), rest cure, physical check-ups and cosmetic or plastic surgery unless to correct an injury covered under the policy. 3. Dental Expenses: Routine examination, scaling polishing or cleaning, crowning, bridges, braces and dentures.", "url": "https://www.qbe.com/media/qbe/asia/hongkong/files/domestic-helper-protector-plan.pdf" } ], "official_buy_url": "https://www.qbe.com/hk/zh-hk/personal-insurance/domestic-helper", "promo": { "tag": "最新優惠", "note": "涵蓋僱主法定責任及家傭疾病住院手術費用", "buy_url": "https://www.qbe.com/hk/zh-hk/personal-insurance/domestic-helper" }, "review_notes": [ "2026-10-02：隔離 4 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "domestic-helper-zurich", "category": "domestic-helper", "insurer": "Zurich", "insurer_zh": "蘇黎世保險", "product_name": "Helpersafe Domestic Helper Insurance Plan", "product_name_zh": "「傭易保」家傭保障計劃", "plan_tiers": [ "「傭易保」家傭保障計劃（海外家傭，1年/2年）", "自選升級保障－心臟病及癌症：標準計劃 / 特級計劃", "僱員補償保險計劃（本地鐘點家傭/陪月員，僅僱主責任）" ], "coverage": [ { "item": "僱主責任", "limit": "每宗事故 HK$100,000,000", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保障表 節數 保障範圍 最高保障額 1 僱主責任 每宗事故100,000,000港元" }, { "item": "補聘費用（家傭3個月內辭職、不誠實、失蹤、蓄意傷害家中老幼、健康不適合被遣返）", "limit": "每保單年度 HK$5,000", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保費表 每位家庭傭工之保費4（港元） 一年 兩年 「傭易保」家傭保障計劃 946 1,798 • 附加保障（標準計劃） 150 300 • 附加保障（特級計劃） 300 600 僱員補償保險計劃 350 不適用" }, { "item": "服務中斷保障（住院首3日/病假首5日不賠）", "limit": "每日 HK$200（每保單年度最多30日）", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保費表 每位家庭傭工之保費4（港元） 一年 兩年 「傭易保」家傭保障計劃 946 1,798 • 附加保障（標準計劃） 150 300 • 附加保障（特級計劃） 300 600 僱員補償保險計劃 350 不適用" }, { "item": "忠誠保障", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "3 服務中斷保障 每日200港元（每保單年度最多30日） 4 忠誠保障 每保單年度10,000港元" }, { "item": "家庭成員醫療費用（家傭蓄意行為致家人受傷）", "limit": "每保單年度 HK$5,000", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保費表 每位家庭傭工之保費4（港元） 一年 兩年 「傭易保」家傭保障計劃 946 1,798 • 附加保障（標準計劃） 150 300 • 附加保障（特級計劃） 300 600 僱員補償保險計劃 350 不適用" }, { "item": "家傭門診醫療費用", "limit": "非網絡：每年 HK$3,000（普通科每次HK$200、專科/脊醫HK$100、物理治療/中醫跌打HK$100及每年HK$500）；網絡：每年20次（普通科自負費HK$0、專科HK$250、物理治療/中醫HK$100）", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保費表 每位家庭傭工之保費4（港元） 一年 兩年 「傭易保」家傭保障計劃 946 1,798 • 附加保障（標準計劃） 150 300 • 附加保障（特級計劃） 300 600 僱員補償保險計劃 350 不適用" }, { "item": "入住醫院費用", "limit": "每保單年度 HK$80,000（房租膳食每日 HK$300；每次住院/日症/門診手術 HK$15,000；每宗索償自負額 HK$300）", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "6 家庭僱傭醫療費用 a. 門診醫療費用 非網絡保障 網絡保障 每年保障限額／每保單年度最高次數上限 每保單年度3,000港元 每保單年度20次 ... (i) 普通科醫生 每次自負費用0港元 每次200港元 ... b. 入住醫院費用 每保單年度80,000港元 (i) 房租及膳食費用 每日300港元" }, { "item": "牙齒護理費用（賠大部分費用三分之二）", "limit": "每保單年度 HK$2,000", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保費表 每位家庭傭工之保費4（港元） 一年 兩年 「傭易保」家傭保障計劃 946 1,798 • 附加保障（標準計劃） 150 300 • 附加保障（特級計劃） 300 600 僱員補償保險計劃 350 不適用" }, { "item": "個人意外", "limit": "HK$100,000", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "7 牙齒護理費用 每保單年度2,000港元 8 個人意外 100,000港元 9 遣送費用 每保單年度10,000港元 10 家庭僱傭個人法律責任 每宗事故100,000港元" }, { "item": "遣送費用", "limit": "每保單年度 HK$10,000", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "7 牙齒護理費用 每保單年度2,000港元 8 個人意外 100,000港元 9 遣送費用 每保單年度10,000港元 10 家庭僱傭個人法律責任 每宗事故100,000港元" }, { "item": "家傭個人法律責任", "limit": "每宗事故 HK$100,000", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保費表 每位家庭傭工之保費4（港元） 一年 兩年 「傭易保」家傭保障計劃 946 1,798 • 附加保障（標準計劃） 150 300 • 附加保障（特級計劃） 300 600 僱員補償保險計劃 350 不適用" }, { "item": "附加保障－心臟病及癌症（含其他治療每次 HK$1,000）", "limit": "標準計劃 HK$50,000/年；特級計劃 HK$100,000/年", "source_url": "/docs/brochures/assets-global-65ae2d5da5418c07ad1ed950_p3_zu.pdf#page=3", "document_name": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保費表 每位家庭傭工之保費4（港元） 一年 兩年 「傭易保」家傭保障計劃 946 1,798 • 附加保障（標準計劃） 150 300 • 附加保障（特級計劃） 300 600 僱員補償保險計劃 350 不適用" }, { "item": "門診費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "住院及手術費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "牙科費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "HK$946（1年）– HK$1,798（2年）；本地鐘點僱員補償計劃 HK$350/年", "premium_available": true, "premium_notes": "附加保障（心臟病及癌症）：標準計劃 1年 HK$150 / 2年 HK$300；特級計劃 1年 HK$300 / 2年 HK$600；保費已包括保險徵費；官網不時提供推廣碼首年8折優惠", "key_terms": [ "接受18至60歲家傭投保，在香港可續保至65歲", "門診及牙齒護理設15日等候期（意外僅限非網絡保障除外）；心臟病及癌症保障設90日等候期", "「傭易保」只適用於全職海外家庭傭工；網絡門診須出示電子醫療卡，不設後補索償", "牙科不包括口腔檢查、洗牙、鑲牙、牙橋、矯齒或假牙" ], "exclusions": [ "投保前已存在之傷疾及先天性缺陷", "戰爭、恐怖活動、罷工暴動", "自殺、蓄意自傷、精神或行為失常病症", "酒精或藥物影響", "分娩、妊娠及相關併發症、性病", "HIV/愛滋病", "參與違法行為", "高危活動（賽車、職業體育、5,000米以上遠足、40米以下潛水）", "核輻射污染", "網絡行為引致的意外傷病", "癌症或心臟病治療（附加保障除外）" ], "source_urls": [ "https://www.zurich.com.hk/en/products/home/helpersafe-insurance-plan", "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf", "https://buy.zurich.com.hk" ], "documents_found": [ "「傭易保」家傭保障計劃產品冊子（C2202-50-300-HDZ，含保障表及保費表）: https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf", "網上索償平台: https://www.zurich.com.hk/eclaim" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "保費表：「傭易保」家傭保障計劃1年HK$946/2年HK$1,798；僱員補償保險計劃（本地家務助理）1年HK$350", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保費表 每位家庭傭工之保費4（港元） 一年 兩年 「傭易保」家傭保障計劃 946 1,798 • 附加保障（標準計劃） 150 300 • 附加保障（特級計劃） 300 600 僱員補償保險計劃 350 不適用", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" }, { "claim_field": "coverage", "claim_summary": "僱主責任：每宗事故HK$100,000,000", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "保障表 節數 保障範圍 最高保障額 1 僱主責任 每宗事故100,000,000港元", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" }, { "claim_field": "coverage", "claim_summary": "家庭僱傭醫療費用：門診每年3,000（非網絡每次200）；入住醫院費用每保單年度80,000", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "6 家庭僱傭醫療費用 a. 門診醫療費用 非網絡保障 網絡保障 每年保障限額／每保單年度最高次數上限 每保單年度3,000港元 每保單年度20次 ... (i) 普通科醫生 每次自負費用0港元 每次200港元 ... b. 入住醫院費用 每保單年度80,000港元 (i) 房租及膳食費用 每日300港元", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" }, { "claim_field": "coverage", "claim_summary": "牙齒護理費用每年2,000；個人意外100,000；家庭僱傭個人法律責任每宗事故100,000", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "7 牙齒護理費用 每保單年度2,000港元 8 個人意外 100,000港元 9 遣送費用 每保單年度10,000港元 10 家庭僱傭個人法律責任 每宗事故100,000港元", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" }, { "claim_field": "coverage", "claim_summary": "忠誠保障每年10,000；服務中斷保障每日200（每年最多30日）", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 3, "quote": "3 服務中斷保障 每日200港元（每保單年度最多30日） 4 忠誠保障 每保單年度10,000港元", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" }, { "claim_field": "key_terms", "claim_summary": "投保年齡18至60歲，續保至65歲；「傭易保」只適用於海外家庭傭工", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 4, "quote": "備註 1. 此保障接受投保年齡18至60歲的家庭傭工，傭工若身在香港，便可續保至65歲。 ... 3. 「傭易保」家傭保障計劃只適用於處理家務及／或僱傭合約中指定家務職責的海外家庭傭工，並且其申請被本公司接受。", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" }, { "claim_field": "key_terms", "claim_summary": "第六節醫療費用及第七節牙齒護理等候期15日；心臟病及癌症附加保障等候期90日；住院每宗索償自負額300港元", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 4, "quote": "4. 就保障的第六節 – 家庭僱傭醫療費用及第七節 – 牙齒護理費用而言，等候期指在家庭僱傭之保障生效日起的15日內。 ... 5. 就保障的第十一節 – 附加保障 – 心臟病及癌症保障而言，等候期指在家庭僱傭之保障生效日起的90日內。 ... 6. 於第六節(b)的住院費用及第十一節附加保障 – 心臟病及癌症保障的每宗索償自負額為300港元。", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不承保事項：投保前已存在之傷疾及先天性缺陷；戰爭/恐怖活動；自殺、蓄意自我傷害、精神失常", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 4, "quote": "一般不承保事項 本保單將不會承保因下列事故直接或間接引致之損失或責任： 1. 任何投保前已存在之傷疾及先天性缺陷； 2. 戰爭、侵略、外敵入侵、敵對局面（不論正式宣戰與否）、內戰、叛亂、革命、暴亂、軍事政變或奪權行動、直接參與罷工、暴動或內亂或以任何形式參與恐怖活動； 3. 自殺、企圖自殺、蓄意自我傷害、精神失常或神經系統失調或精神疾病", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" }, { "claim_field": "exclusions", "claim_summary": "一般不承保事項（續）：受酒精或非處方藥物影響/濫用毒品；分娩/流產/墮胎/妊娠、性病；HIV及愛滋病；違法行為", "document": "「傭易保」家傭保障計劃產品單張（蘇黎世保險，C2202-50-300-HDZ）", "page": 4, "quote": "4. 受酒精或非由醫生處方之藥物之影響；酗酒、沈迷或濫用毒品； 5. 任何因分娩、流產、墮胎、妊娠引致的狀況，包括但不限於妊娠測試，產前、產後護理及其他與妊娠、避孕、避孕儀器、不育或其他引致懷孕或絕育手術的方法有關之併發症；性病； ... 7. 人類免疫力缺乏病毒及／或人類免疫力缺乏病毒有關，包括愛滋病及／或其任何突變、衍生或變異所引致或因此而命名； 8. 參與任何違法行為，包括但不限於搶劫、濫用藥物或傷人", "url": "https://assets-global.website-files.com/65ae2d5da5418c07ad1ed6fe/65ae2d5da5418c07ad1ed950_P3_zu.pdf" } ], "original_price": 946, "discounted_price": 757, "promo": { "tag": "輸入優惠碼享 8 折", "code": "HELPER20", "discount": "20% OFF", "note": "輸入優惠碼享 8 折；網絡門診 0 自負額每年 20 次，住院手術每年高達 HK$80,000", "original_price": 946, "discounted_price": 757 }, "review_notes": [ "2026-10-02：隔離 3 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。", "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ], "record_status": "unverified", "official_buy_url": "https://www.zurich.com.hk/en/products/home/helpersafe-insurance-plan" }, { "id": "pet-blue-cross", "category": "pet", "insurer": "Blue Cross", "insurer_zh": "藍十字", "product_name": "LovePet Insurance", "product_name_zh": "「愛・寵物」保險計劃", "plan_tiers": [ "計劃 A", "計劃 B", "計劃 C", "自選提升第三者責任保障至 HK$1,500,000" ], "coverage": [ { "item": "醫療保障每年最高賠償額", "limit": "計劃A HK$60,000；計劃B HK$40,000；計劃C HK$20,000", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。" }, { "item": "門診及手術費用（X光、超聲波、化驗、手術、手術室、麻醉、人道毀滅、義肢及輪椅、雜費）", "limit": "A HK$60,000 / B HK$40,000 / C HK$20,000", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。" }, { "item": "住房費用（連續12小時以上，不設每日上限）", "limit": "A HK$6,000 / B HK$4,000 / C HK$2,000", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。" }, { "item": "獸醫診症（不限次數，含處方藥物、包紮及注射）", "limit": "A HK$12,000 / B HK$8,000 / C HK$4,000", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。" }, { "item": "化療保障", "limit": "A HK$15,000 / B HK$10,000 / C HK$5,000", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。" }, { "item": "行為治療費用（受傷引致精神或情緒障礙之藥物或培訓）", "limit": "計劃A HK$1,500（每日每次 HK$500）；B/C不適用", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。" }, { "item": "第三者責任保障", "limit": "HK$1,000,000（每宗意外/每受保期；每宗索償自付額 HK$3,000）；可自選提升至 HK$1,500,000", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "2. 第三者責任保障3 賠償因受保寵物引致的第三者法律責任：1,000,000（每宗意外/每個受保期內）... 自選提升第三者責任保障4 1,500,000（每宗意外/每個受保期內）... 3. 自付額為每宗索償的首HK$3,000。" }, { "item": "殮葬服務費用", "limit": "計劃A 每隻 HK$3,000；計劃B 每隻 HK$1,000；C不適用", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "3. 殮葬服務費用 受保寵物的遺體火化、殮葬服務費用及/或獸醫或殮葬服務提供者收取的手續費。 每隻3,000 每隻1,000 不適用" }, { "item": "緊急寄宿（保單持有人住院連續4日以上）", "limit": "計劃A 每日 HK$600最多5日；計劃B 每日 HK$300最多3日（共同保險50%）；C不適用", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。" }, { "item": "海外保障（醫療、第三者責任及殮葬）", "limit": "每個旅程最多90日（含檢疫隔離）", "source_url": "/docs/brochures/ap-lovepet_leaflet.pdf#page=3", "document_name": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。" }, { "item": "醫療保障（診症及住院）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "化療 / 癌症保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "身故 / 殮葬服務", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急寄宿 / 寄養", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官方按寵物種類、品種及年齡報價（年繳），產品冊子未刊保費表", "premium_available": false, "premium_notes": "共同保險：寵物0–8歲30%、9歲或以上40%；無索償折扣：1年5%、連續2年10%、連續3年或以上15%；取消保單最低保費HK$500；官方不時提供投保優惠碼（如9折）", "key_terms": [ "投保年齡6個月至8歲；保證續保至13歲（13歲以上續保須核保）", "貓隻投保毋須晶片（可以疫苗注射紀錄卡辨識）", "等候期：癌症及慢性腎病90天、身體受傷7天、其他狀況30天", "索償須於事故發生後30天內提交" ], "exclusions": [ "已存在之狀況", "商業守衛、競賽、搜救、檢疫、實驗或商業繁殖用途寵物", "未能以晶片或疫苗紀錄明確辨認身份的寵物", "《危險狗隻規例》定義的危險/格鬥/大型狗隻", "保單生效前已罹患疾病之復發或延續", "非獸醫提供的治療", "保單持有人或同住者的蓄意或嚴重疏忽行為", "戰爭、核輻射", "不受保狗隻品種：南極雪橇犬、布爹利犬、阿根廷杜告犬、巴西非拉犬、日本佐太犬、比特鬥牛犬、藏獒（及其混種）" ], "source_urls": [ "https://www.bluecross.com.hk/ch/LovePet/Information", "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" ], "documents_found": [ "「愛・寵物」保險計劃產品冊子（MD195_DAP/11.2025，2025年11月生效，含保障表）: https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf", "網上投保: https://www.bluecross.com.hk/ch/LovePet/Application" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "保費按年繳付（產品冊子未刊保費表，按寵物種類/品種/年齡報價）", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "保費繳付方法 年繳 ... 藍十字保留隨時調整保費表的權利。", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "premium_notes", "claim_summary": "第1部分醫療保障共同保險：0–8歲30%、9歲或以上40%；無索償折扣最高15%；取消保單最低保費HK$500", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 2, "quote": "第1部分每宗索償之共同保險2 寵物之實際年齡為0 – 8歲：30% 寵物之實際年齡為9歲或以上：40%", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "premium_notes", "claim_summary": "無索償折扣：續保前1年/連續2年/連續3年或以上無索償，保費折扣5%/10%/15%", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "無索償折扣 於續保時，如沒有就受保寵物在下表所述的無索償期內提出任何索償，保費可獲相應之無索償折扣：緊接續保前之無索償期 1 年 連續2年 連續3年或以上 保費折扣 5% 10% 15%", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "醫療保障第1部分每年最高賠償額：計劃A HK$60,000、B HK$40,000、C HK$20,000", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 2, "quote": "1. 醫療保障1 第1部分之每年最高賠償額 60,000 40,000 20,000", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "第三者責任保障HK$1,000,000（每宗意外/每受保期），每宗索償自付額首HK$3,000；可自選提升至1,500,000", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "2. 第三者責任保障3 賠償因受保寵物引致的第三者法律責任：1,000,000（每宗意外/每個受保期內）... 自選提升第三者責任保障4 1,500,000（每宗意外/每個受保期內）... 3. 自付額為每宗索償的首HK$3,000。", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "coverage", "claim_summary": "殮葬服務費用：計劃A每隻3,000、計劃B每隻1,000、計劃C不適用", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "3. 殮葬服務費用 受保寵物的遺體火化、殮葬服務費用及/或獸醫或殮葬服務提供者收取的手續費。 每隻3,000 每隻1,000 不適用", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "key_terms", "claim_summary": "投保年齡6個月至8歲；保證續保至寵物13歲；符合資格寵物為貓及狗", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "計劃摘要 符合資格的寵物 貓及狗 ... 投保年齡（上一個生日） 6個月至8歲 保單續保 保證續保至寵物13歲^", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "key_terms", "claim_summary": "等候期：癌症、慢性腎病90天；身體受傷7天；其他狀況30天", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "就以下疾病或傷患所引致醫療費用的任何索償均設有等候期（由保單生效日期起計算）：等候期 ■ 癌症、慢性腎病：90天 ■ 身體受傷：7天 ■ 其他非上述涵蓋的狀況：30天", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "key_terms", "claim_summary": "索償須於事故發生後30天內提交", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 4, "quote": "客戶須於引致保單下索償的事故發生後 30 天內知會藍十字。", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：已存在之狀況；商業用途寵物；未能以晶片或疫苗紀錄辨認身份的寵物；《危險狗隻規例》危險/格鬥/大型狗隻；保單生效前已罹患疾病之復發或延續", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 4, "quote": "主要不保事項 1. 已存在之狀況（只適用於保單條款及細則內之保障條款第一部分醫療保障）。 2. 涉及任何用作商業守衛、競賽、搜尋與拯救、海關與檢疫、實驗室測試或實驗、商業配種/繁殖或任何其他商業用途的寵物之任何索償。 3. 就任何未能在接受治療前利用 (i) 微型晶片（適用於狗隻及貓隻）或 (ii) 疫苗注射紀錄卡或其他相關醫療報告（只適用於未有植入微型晶片的貓隻）明確辨認身份的寵物而言，該治療招致的任何費用。 4. 涉及任何根據《危險狗隻規例》（香港法例第167D章）定義為已知危險狗隻、格鬥狗隻或大型狗隻之任何索償。 5. 受保寵物於保單生效日期前已罹患之身體不適、疾病或狀況之復發或延續之任何索償。", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" }, { "claim_field": "exclusions", "claim_summary": "不受保狗隻品種：南極雪橇犬、布爹利犬、阿根廷杜告犬、巴西非拉犬、日本佐太犬、比特鬥牛犬、藏獒", "document": "「愛．寵物」保險計劃產品小冊子（藍十字 LovePet Leaflet）", "page": 3, "quote": "* 以下狗隻品種除外：南極雪橇犬、布爹利犬、阿根廷杜告犬、巴西非拉犬、日本佐太犬、比特鬥牛犬、以及藏獒。", "url": "https://ap.bluecross.com.hk/shared/leaflets/LovePet_Leaflet.pdf" } ], "original_price": 1500, "discounted_price": 1275, "official_buy_url": "https://www.bluecross.com.hk/ch/LovePet/Application", "promo": { "tag": "網上投保 85 折", "discount": "15% OFF", "note": "網上投保享 85 折；專項化療保障每年高達 HK$15,000，累積無索償折扣高達 15%", "original_price": 1500, "discounted_price": 1275, "buy_url": "https://www.bluecross.com.hk/ch/LovePet/Application" }, "review_notes": [ "2026-10-02：隔離 5 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "pet-msig", "category": "pet", "insurer": "MSIG", "insurer_zh": "三井住友保險", "product_name": "Happy Tails® Pet Insurance", "product_name_zh": "Happy Tails® 寵物保險（至寵愛）", "plan_tiers": [ "Standard Plan（狗）", "Premier Plan（狗）", "Ultimate Plan（狗）", "Cat Plan（貓）" ], "coverage": [ { "item": "手術+化療+身故費用合計每年最高賠償額", "limit": "Standard HK$19,250；Premier HK$41,250；Ultimate HK$68,750；貓 HK$27,500", "source_url": "/docs/brochures/msig-happytails-brochure-eng.pdf#page=2", "document_name": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": 2, "quote": "Maximum Benefits Payable Per Year for Surgical Benefit, Chemotherapy Benefit and Final Expenses Benefit $19,250 $41,250 $68,750 $27,500" }, { "item": "手術保障（含診斷測試、獸醫費、手術室、藥物、包紮雜費，賠至80%）", "limit": "HK$13,750 / HK$33,000 / HK$55,000 / 貓 HK$20,900", "source_url": "/docs/brochures/msig-happytails-brochure-eng.pdf#page=1", "document_name": "Happy Tails® Pet Insurance 產品單張（MSIG）", "page": 1, "quote": "Any dog or cat aged between 16 weeks and 9 years old, holding a valid vaccination record, licensed where applicable and implanted with a microchip is eligible to apply for Happy Tails® Pet Insurance." }, { "item": "手術後住房費用", "limit": "HK$1,375 / HK$3,300 / HK$5,500 / 貓 HK$2,090", "source_url": "/docs/brochures/msig-happytails-brochure-eng.pdf#page=1", "document_name": "Happy Tails® Pet Insurance 產品單張（MSIG）", "page": 1, "quote": "Any dog or cat aged between 16 weeks and 9 years old, holding a valid vaccination record, licensed where applicable and implanted with a microchip is eligible to apply for Happy Tails® Pet Insurance." }, { "item": "手術後跟進治療（90日內覆診、化驗、針灸）", "limit": "HK$825 / HK$1,650 / HK$2,750 / 貓 HK$1,100", "source_url": "/docs/brochures/msig-happytails-brochure-eng.pdf#page=1", "document_name": "Happy Tails® Pet Insurance 產品單張（MSIG）", "page": 1, "quote": "Any dog or cat aged between 16 weeks and 9 years old, holding a valid vaccination record, licensed where applicable and implanted with a microchip is eligible to apply for Happy Tails® Pet Insurance." }, { "item": "化療保障", "limit": "HK$5,500 / HK$8,250 / HK$13,750 / 貓 HK$6,600", "source_url": "/docs/brochures/msig-happytails-brochure-eng.pdf#page=1", "document_name": "Happy Tails® Pet Insurance 產品單張（MSIG）", "page": 1, "quote": "Any dog or cat aged between 16 weeks and 9 years old, holding a valid vaccination record, licensed where applicable and implanted with a microchip is eligible to apply for Happy Tails® Pet Insurance." }, { "item": "身故費用（人道毀滅、火化、殮葬）", "limit": "Standard不適用；Premier/Ultimate/貓 HK$1,375", "source_url": "/docs/brochures/msig-happytails-brochure-eng.pdf#page=1", "document_name": "Happy Tails® Pet Insurance 產品單張（MSIG）", "page": 1, "quote": "Any dog or cat aged between 16 weeks and 9 years old, holding a valid vaccination record, licensed where applicable and implanted with a microchip is eligible to apply for Happy Tails® Pet Insurance." }, { "item": "第三者法律責任", "limit": "Standard HK$550,000；Premier HK$1,375,000；Ultimate HK$2,750,000；貓 HK$1,375,000", "source_url": "/docs/brochures/msig-happytails-brochure-eng.pdf#page=2", "document_name": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": 2, "quote": "Third Party Legal Liability Legal liability due to accidental bodily injury and/or loss or damage to property of third parties caused by your pet $550,000 $1,375,000 $2,750,000 $1,375,000 ... Final Expenses Benefit N/A $1,375 $1,375 $1,375" }, { "item": "指定遺傳及先天性疾病保障（髖關節發育不良、髕骨脫臼、青光眼、櫻桃眼、IVDD等）", "limit": "涵蓋（投保時寵物須6歲以下且無已存在狀況；12個月等候期）", "source_url": "/docs/brochures/msig-happytails-brochure-eng.pdf#page=1", "document_name": "Happy Tails® Pet Insurance 產品單張（MSIG）", "page": 1, "quote": "Any dog or cat aged between 16 weeks and 9 years old, holding a valid vaccination record, licensed where applicable and implanted with a microchip is eligible to apply for Happy Tails® Pet Insurance." }, { "item": "醫療保障（診症及住院）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "化療 / 癌症保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "身故 / 殮葬服務", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急寄宿 / 寄養", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "MRI / CT 保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "慢性疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官方網站即時報價（按寵物種類、品種、年齡），產品頁未刊固定保費表", "premium_available": false, "premium_notes": "共同保險：4歲前投保20%、7歲前30%、9歲前40%；無索償折扣：首個續保5%、第2次10%、第3次起15%；涵蓋超過200種狗及100種貓（含混種）", "key_terms": [ "4歲前投保可享終身保障", "等候期：疾病90天；指定遺傳及先天性疾病12個月", "所有保障合計不得超過手術保障最高限額", "投保體檢費用不獲承保" ], "exclusions": [ "保單起保後90日內發生或復發的疾病、12個月內遺傳/先天性疾病", "起保前已發生的傷病", "絕育", "預防性醫療、寄生蟲控制", "牙科護理（意外受傷除外）", "肛門腺擠壓", "特殊飲食、保健食品、美容、修剪指甲、沐浴", "義肢及醫療器具購買或租用", "保單持有人或同住者蓄意、疏忽或可避免的行為", "戰爭及恐怖主義", "不受保狗隻品種：藏獒、牛頭爹利、比特鬥牛㹴、日本土佐犬、阿根廷杜告狗、巴西非拉狗及其混種" ], "source_urls": [ "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" ], "documents_found": [ "MSIG 三井住友 Happy Tails® 寵物保險官方條款及手冊", "MSIG Happy Tails® Pet Insurance 官方產品頁（保障一覽、共同保險、等候期、不保事項）: https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "共同保險按投保年齡遞增：4歲前20%、7歲前30%、9歲前40%（產品頁未刊固定保費表，網站即時報價）", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Co-insurance The portion of claim amount you need to pay 20% - Pet enrolled before Age 4 30% - Pet enrolled before Age 7 40% - Pet enrolled before Age 9", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "coverage", "claim_summary": "手術+化療+身故費用合計每年最高賠償額：Standard HK$19,250、Premier HK$41,250、Ultimate HK$68,750、貓HK$27,500", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Maximum Benefits Payable Per Year for Surgical Benefit, Chemotherapy Benefit and Final Expenses Benefit $19,250 $41,250 $68,750 $27,500", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "coverage", "claim_summary": "手術保障每年HK$13,750/33,000/55,000/貓20,900（賠至80%）；手術後住房1,375/3,300/5,500/2,090；化療5,500/8,250/13,750/6,600", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Surgical Benefit Pays for medically necessary surgery which includes diagnostic tests, veterinarian's fee, operating theatre fee, drugs, dressings and miscellaneous expenses related to a surgery $13,750 $33,000 $55,000 $20,900 ... Room and Board Expenses $1,375 $3,300 $5,500 $2,090 ... Chemotherapy Benefit $5,500 $8,250 $13,750 $6,600", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "coverage", "claim_summary": "第三者法律責任：Standard HK$550,000、Premier HK$1,375,000、Ultimate HK$2,750,000、貓HK$1,375,000；身故費用HK$1,375（Standard不適用）", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Third Party Legal Liability Legal liability due to accidental bodily injury and/or loss or damage to property of third parties caused by your pet $550,000 $1,375,000 $2,750,000 $1,375,000 ... Final Expenses Benefit N/A $1,375 $1,375 $1,375", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "coverage", "claim_summary": "手術費用賠償高達80%", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Surgical Expenses Cover up to 80% of the surgical expenses arising from sickness and accidents", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "key_terms", "claim_summary": "4歲前投保可享終身保障", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Lifetime Protection Enroll your pet before they are 4 years old to enjoy lifetime protection", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "key_terms", "claim_summary": "等候期：疾病90天；指定遺傳及先天性疾病12個月；所有保障合計不得超過手術保障最高限額", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Waiting Period: Illness 90 days; Specified hereditary and congenital conditions 12 months ... Important Notes: The total aggregate limit of all benefits combined shall not exceed the maximum limit of Surgical Benefit. Hereditary and congenital condition benefits are subject to a 12 month waiting period, and your pet must be less than 6 years old with no pre-existing conditions at the time of enrolment.", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "key_terms", "claim_summary": "無索償折扣：首年續保5%、第二年10%、第三年及以後15%；索償後歸零", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "No Claim Discount (NCD) A discount will be granted on the renewal premium if no claim has been made under the policy in the preceding year. Period of Insurance Inception Year 1st Renewal 2nd Renewal 3rd & Subsequent Renewals Discount Eligibility 0% 5% 10% 15%", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "key_terms", "claim_summary": "投保資格：16週至9歲貓狗，須持有效疫苗紀錄、已領牌（如適用）並植入晶片", "document": "Happy Tails® Pet Insurance 產品單張（MSIG）", "page": 1, "quote": "Any dog or cat aged between 16 weeks and 9 years old, holding a valid vaccination record, licensed where applicable and implanted with a microchip is eligible to apply for Happy Tails® Pet Insurance.", "url": "https://www.msig.com.hk/sites/msig_hk/files/HappyTails-Brochure-ENG.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保項目：起保後90日內發生或復發的疾病；12個月內遺傳/先天性疾病；起保前已發生的傷病；絕育；預防性醫療；寄生蟲控制", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Exclusions: Illness that occurs or recurs within the first 90 days following the policy commencement date; Illness related to specified hereditary and congenital conditions that occurs or recurs within the first 12 months following the commencement date; Any illness or injury that occurred prior to the commencement date; Spaying and neutering; Preventive healthcare; Parasite control", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" }, { "claim_field": "exclusions", "claim_summary": "主要不保項目（續）：牙科護理（意外受傷除外）、肛門腺擠壓、特殊飲食/美容/修剪指甲/沐浴、義肢及醫療器具、蓄意/疏忽/可避免行為、戰爭及恐怖主義；不受保狗隻品種", "document": "MSIG Happy Tails® Pet Insurance 官方產品網頁", "page": null, "quote": "Dental health care (unless due to accidental injuries); Anal gland expression; Special diets, pet foods, vitamins, supplements, grooming, nail trims, shampoo and bathing (including medicated baths); Purchase and rental of prosthesis, corrective devices and medical appliances; Injury or illness due to any intentional, neglectful or preventable act, by you or a member of your household; Any loss and/or damage arising from war and terrorism; The following dog breeds are not covered in the policy: Tibetan Mastiff, Bull Terrier, Pit Bull Terrier, Japanese Tosa, Dogo Argentino, Fila Braziliero or their cross breed.", "url": "https://www.msig.com.hk/en/personal-insurance/happy-tailsr-pet-insurance" } ], "official_buy_url": "https://hk.aonhappytails.com/", "promo": { "tag": "最新優惠", "note": "官方網上即時報價，輸入推廣碼享保費 8 折至 85 折", "buy_url": "https://hk.aonhappytails.com/" }, "review_notes": [ "2026-10-02：隔離 7 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "pet-onedegree", "category": "pet", "insurer": "OneDegree", "insurer_zh": "OneDegree 保險", "product_name": "Pet CEO Plan®", "product_name_zh": "寵物CEO Plan®（毛價保）", "plan_tiers": [ "Essential（年度保障額 HK$30,000）", "Plus（HK$50,000）", "Ultra（HK$100,000）", "Prestige（HK$100,000，額外涵蓋CT及MRI）", "附加保障：腎衰竭現金保障 / 高級危疾現金保障 / 貓傳染性腹膜炎（FIP）附加保障" ], "coverage": [ { "item": "年度醫療保障（手術、過夜住院、X光及超聲波、化驗、處方藥物；無分項上限）", "limit": "Essential HK$30,000；Plus HK$50,000；Ultra/Prestige HK$100,000", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。" }, { "item": "賠償百分比", "limit": "投保年齡1歲或以上：網絡獸醫90%、非網絡獸醫70%；13週至11個月：劃一50%", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "賠償百分比 投保年齡1歲或以上：網絡獸醫 90%｜非網絡獸醫 70%，13週至11個月：劃一 50%" }, { "item": "普通科及專科診金", "limit": "Plus或以上計劃涵蓋（無分項上限，計入年度保障額）", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。" }, { "item": "MRI及CT保障", "limit": "Prestige計劃涵蓋", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。" }, { "item": "癌症一次性現金保障", "limit": "首次確診癌症 HK$10,000", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。" }, { "item": "終生慢性疾病保障（4歲或之前投保）", "limit": "包括過敏、慢性腎衰竭及癌症等，終生受保", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。" }, { "item": "附加腎衰竭現金保障", "limit": "首次確診一次性現金 HK$20,000", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。" }, { "item": "附加高級危疾現金保障（心臟衰竭、中風、癲癇、四肢癱瘓、髕骨脫臼）", "limit": "一次性現金 HK$10,000", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。" }, { "item": "貓傳染性腹膜炎（FIP）附加保障（1歲以上貓隻）", "limit": "年度上限 HK$25,000（指定藥物GS-441524費用賠70%，療程最長84日）", "source_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "document_name": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。" }, { "item": "醫療保障（診症及住院）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "化療 / 癌症保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "第三者責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "身故 / 殮葬服務", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急寄宿 / 寄養", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "官方網站按寵物品種及年齡即時報價（月繳或年繳），產品頁未刊固定保費表", "premium_available": false, "premium_notes": "官方推廣：2026年8月31日或之前投保享首年保費8折；附加保障另收保費（按月收取）；13週至11歲可投保，續保無年齡上限", "key_terms": [ "投保年齡13週至11歲，任何品種可投保，無須晶片或健康檢查", "11歲或之前投保承諾終身續保", "一般意外及疾病等候期28日；癌症現金、危疾現金及CT/MRI等候期180日", "索償須於診症後30日內提交", "適用於全港註冊獸醫，網絡診所賠償率較高" ], "exclusions": [ "投保前或等候期內已存在或發生的病況", "先天性疾病", "口腔或牙周疾病（包括洗牙）", "因結紮、懷孕或配種引起的費用", "選擇性/預防性治療", "疏忽照顧或人為蓄意造成的病況", "非醫療費用" ], "source_urls": [ "https://www.onedegree.hk/en-us/pet-insurance", "https://www.onedegree.hk/zh-hk/pet-insurance" ], "documents_found": [ "OneDegree寵物保險官方產品頁（計劃比較、等候期、不保事項）: https://www.onedegree.hk/en-us/pet-insurance", "寵物保險索償說明: https://www.onedegree.hk/en-us/pet-insurance-claims" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "4款計劃年度醫療保額HK$30,000–100,000（全港最高），網站按品種及年齡即時報價，未刊固定保費表", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物CEO Plan® 為你提供 4 款計劃選擇，高達HK$100,000 醫療保額，全港最高¹。全方位計劃保額亦升級至 HK$50,000。適用於全港註冊獸醫，為毛孩提供最好的準備。", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, { "claim_field": "coverage", "claim_summary": "年度保障額：精選計劃HK$30,000、全方位HK$50,000、尊寵/珍寵HK$100,000；涵蓋手術、過夜住院、X光及超聲波、化驗、處方藥物等（無分項上限）", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "年度保障額：精選計劃 HK$30,000；全方位計劃 HK$50,000；尊寵計劃 HK$100,000；珍寵計劃 HK$100,000（保障CT及MRI）；保障項目包括手術、過夜住院費用、X光及超聲波、化驗費用、處方藥物費用、普通科診金、專科診金、磁力共振及電腦掃描保障", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, { "claim_field": "coverage", "claim_summary": "賠償百分比：1歲或以上網絡獸醫90%、非網絡70%；13週至11個月劃一50%", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "賠償百分比 投保年齡1歲或以上：網絡獸醫 90%｜非網絡獸醫 70%，13週至11個月：劃一 50%", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, { "claim_field": "coverage", "claim_summary": "癌症現金保障一次性HK$10,000；腎衰竭現金附加保障一次性HK$20,000", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "萬一你的寵物首次不幸患上癌症，寵物 CEO Plan® 除了保障相關醫療費用，還會提供一次性現金 HK$10,000 ... 為毛孩加購附加保障，首次確診腎衰竭即可獲一次性額外 HK$20,000 現金*", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, { "claim_field": "key_terms", "claim_summary": "13週至11歲貓狗任何品種可投保，無需晶片及驗身，續保不設年齡限制", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "寵物 CEO Plan® 不單止涵蓋 13 週至 11 歲的毛孩，任何品種貓狗皆可投保，無需晶片及驗身，續保時更不設年齡限制⁵。", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, { "claim_field": "key_terms", "claim_summary": "等候期：一般意外及疾病28天；癌症現金、危疾現金附加保障及CT/MRI保障180天", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "自保單生效日起，一般意外及疾病保障與貓傳染性腹膜炎（FIP）額外保額附加保障將於28天等候期結束後正式生效。癌症現金保障、危疾現金附加保障以及磁力共振及電腦掃描保障的等候期則為180天。", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, { "claim_field": "key_terms", "claim_summary": "索償須於就診後30天內提交", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "提交索償流程簡單快捷！只需於就診後30天內，拍攝收據及其他相關文件並上傳至網站，回答幾個簡單問題即可完成申請。", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, { "claim_field": "key_terms", "claim_summary": "4歲或之前投保可獲終身慢性疾病保障（過敏、慢性腎衰竭、癌症等）；11歲或之前投保終身續保", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "11 歲或之前投保 終身續保 ... 於 4 歲或之前投保，寵物即可獲寵物 CEO Plan® 終身慢性疾病保障，包括過敏、慢性腎衰竭和癌症等⁶。", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, { "claim_field": "exclusions", "claim_summary": "不保事項：投保前或等候期內已存在或發生的病況、先天性疾病、牙科疾病（包括洗牙）、結紮/懷孕引起的費用、選擇性/預防性治療", "document": "OneDegree 寵物CEO Plan® 官方產品網頁", "page": null, "quote": "不保事項 與其他市面上的寵物保險計劃一樣，不保事項包括但不限於：1. 投保前或於保險等候期間已存在或發生的病況 2. 先天性疾病 3. 牙科疾病（包括洗牙） 4. 因結紮、懷孕而引起的費用 5. 選擇性/預防性治療", "url": "https://www.onedegree.hk/zh-hk/pet-insurance" } ], "original_price": 1560, "discounted_price": 1248, "official_buy_url": "https://www.onedegree.hk/zh-hk/pet-insurance", "promo": { "tag": "首年保費 8 折", "code": "MONEYSMART20", "discount": "20% OFF", "note": "輸入優惠碼享首年保費 8 折；網絡獸醫賠償高達 90%，無指定細項限額，送免費寵物身體檢查", "original_price": 1560, "discounted_price": 1248, "buy_url": "https://www.onedegree.hk/zh-hk/pet-insurance" }, "review_notes": [ "2026-10-02：隔離 6 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "pet-bolttech", "category": "pet", "insurer": "bolttech", "insurer_zh": "保特保險", "product_name": "Pet Care", "product_name_zh": "毛孩寵物保", "plan_tiers": [ "計劃 1", "計劃 2", "計劃 3", "自選附加醫療費用保障（項目1E，只適用於計劃2及3）：+HK$10,000 或 +HK$30,000" ], "coverage": [ { "item": "醫療保障（獸醫診金、處方藥物、住房費用、門診及手術費用）", "limit": "計劃3每年最高 HK$60,000；自選附加保障可提升至額外 HK$30,000；醫療索償共同保險20%", "source_url": "/docs/brochures/bolttechinsurance-petinsurance.pdf#page=3", "document_name": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "Annual Premium Table (HK$) 年繳保費表 (港幣) Age of the Insured Pet (on last birthday) 受保寵物年齡(上一個生日) Plan 計劃 1 Plan 計劃 2 Plan 計劃 3：6 months to 1 year old $1,410 $3,694 $6,851；2 years old $1,410 $3,694 $6,851；3 years old $1,410 $3,694 $6,851；4 years old $1,410 $3,878 $7,194；5 years old $1,410 $4,071 $7,552；6 years old $1,410 $4,273 $7,929；7 years old $1,410 $4,486 $8,325；8 years old $1,410 $4,710 $8,741；9-15 years old For Renewal Only 只供續保" }, { "item": "第三者責任保障", "limit": "計劃1/2 HK$600,000；計劃3 HK$1,000,000（每宗損失自負額 HK$3,000）", "source_url": "/docs/brochures/bolttechinsurance-petinsurance.pdf#page=2", "document_name": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 2, "quote": "2 Third Party Liability $600,000 $600,000 $1,000,000 Legal liability to Third Parties caused by the Insured Pet ... For Section 2: Excess - The first HK$3,000 of each and every claim" }, { "item": "身故服務（火化及殮葬費用）", "limit": "計劃1不適用；計劃2 每隻 HK$1,000；計劃3 每隻 HK$1,500", "source_url": "/docs/brochures/bolttechinsurance-petinsurance.pdf#page=3", "document_name": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "Annual Premium Table (HK$) 年繳保費表 (港幣) Age of the Insured Pet (on last birthday) 受保寵物年齡(上一個生日) Plan 計劃 1 Plan 計劃 2 Plan 計劃 3：6 months to 1 year old $1,410 $3,694 $6,851；2 years old $1,410 $3,694 $6,851；3 years old $1,410 $3,694 $6,851；4 years old $1,410 $3,878 $7,194；5 years old $1,410 $4,071 $7,552；6 years old $1,410 $4,273 $7,929；7 years old $1,410 $4,486 $8,325；8 years old $1,410 $4,710 $8,741；9-15 years old For Renewal Only 只供續保" }, { "item": "假日行程取消（寵物須接受生死攸關手術）", "limit": "計劃1不適用；計劃2 每年 HK$3,000；計劃3 每年 HK$5,000", "source_url": "/docs/brochures/bolttechinsurance-petinsurance.pdf#page=3", "document_name": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "Annual Premium Table (HK$) 年繳保費表 (港幣) Age of the Insured Pet (on last birthday) 受保寵物年齡(上一個生日) Plan 計劃 1 Plan 計劃 2 Plan 計劃 3：6 months to 1 year old $1,410 $3,694 $6,851；2 years old $1,410 $3,694 $6,851；3 years old $1,410 $3,694 $6,851；4 years old $1,410 $3,878 $7,194；5 years old $1,410 $4,071 $7,552；6 years old $1,410 $4,273 $7,929；7 years old $1,410 $4,486 $8,325；8 years old $1,410 $4,710 $8,741；9-15 years old For Renewal Only 只供續保" }, { "item": "廣告費用（尋找被盜竊或走失寵物）", "limit": "計劃1不適用；計劃2 每年 HK$250；計劃3 每年 HK$400", "source_url": "/docs/brochures/bolttechinsurance-petinsurance.pdf#page=3", "document_name": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "Annual Premium Table (HK$) 年繳保費表 (港幣) Age of the Insured Pet (on last birthday) 受保寵物年齡(上一個生日) Plan 計劃 1 Plan 計劃 2 Plan 計劃 3：6 months to 1 year old $1,410 $3,694 $6,851；2 years old $1,410 $3,694 $6,851；3 years old $1,410 $3,694 $6,851；4 years old $1,410 $3,878 $7,194；5 years old $1,410 $4,071 $7,552；6 years old $1,410 $4,273 $7,929；7 years old $1,410 $4,486 $8,325；8 years old $1,410 $4,710 $8,741；9-15 years old For Renewal Only 只供續保" }, { "item": "海外保障（醫療、第三者責任、身故服務）", "limit": "計劃2及3：每個旅程最多90日（含檢疫）", "source_url": "/docs/brochures/bolttechinsurance-petinsurance.pdf#page=3", "document_name": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "Annual Premium Table (HK$) 年繳保費表 (港幣) Age of the Insured Pet (on last birthday) 受保寵物年齡(上一個生日) Plan 計劃 1 Plan 計劃 2 Plan 計劃 3：6 months to 1 year old $1,410 $3,694 $6,851；2 years old $1,410 $3,694 $6,851；3 years old $1,410 $3,694 $6,851；4 years old $1,410 $3,878 $7,194；5 years old $1,410 $4,071 $7,552；6 years old $1,410 $4,273 $7,929；7 years old $1,410 $4,486 $8,325；8 years old $1,410 $4,710 $8,741；9-15 years old For Renewal Only 只供續保" }, { "item": "緊急寄養費用（保單持有人住院超過4日）", "limit": "計劃2及3適用（每宗索償共同保險50%）", "source_url": "/docs/brochures/bolttechinsurance-petinsurance.pdf#page=3", "document_name": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "Annual Premium Table (HK$) 年繳保費表 (港幣) Age of the Insured Pet (on last birthday) 受保寵物年齡(上一個生日) Plan 計劃 1 Plan 計劃 2 Plan 計劃 3：6 months to 1 year old $1,410 $3,694 $6,851；2 years old $1,410 $3,694 $6,851；3 years old $1,410 $3,694 $6,851；4 years old $1,410 $3,878 $7,194；5 years old $1,410 $4,071 $7,552；6 years old $1,410 $4,273 $7,929；7 years old $1,410 $4,486 $8,325；8 years old $1,410 $4,710 $8,741；9-15 years old For Renewal Only 只供續保" }, { "item": "醫療保障（診症及住院）", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "手術保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "化療 / 癌症保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "身故 / 殮葬服務", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "緊急寄宿 / 寄養", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "MRI / CT 保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "遺傳及先天性疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" }, { "item": "慢性疾病保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "document_name": "", "page": null, "quote": "" } ], "premium_range": "計劃1：劃一 HK$1,410/年；計劃2：HK$3,694–HK$4,710/年；計劃3：HK$6,851–HK$8,741/年（按寵物年齡6個月至8歲遞增）", "premium_available": true, "premium_notes": "9–15歲只供續保；自選附加醫療：+HK$10,000加15%保費、+HK$30,000加25%保費；多寵折扣2隻5%、3隻7.5%、4隻10%、5隻或以上15%；無索償折扣5/10/15%；指定狗隻品種（如德國牧羊犬、洛威拿、沙皮等）加10%附加保費；取消保單每隻最低保費HK$500；保費未包括保監局徵費", "key_terms": [ "承保公司為保特保險（前身富衛保險）；經FWD富衛網上平台、livi bank、HKT Club Care等持牌代理分銷", "受保寵物須於保單生效日年滿6個月及未滿9歲", "寵物須植入晶片以作身份辨識", "索償須於事故發生後30天內提交" ], "exclusions": [ "6個月以下或9歲以上（保單生效日）", "商業守衛、競賽、搜救、海關檢疫、實驗或商業繁殖用途寵物", "未植入晶片以明確辨識身份的寵物", "《危險狗隻規例》下的危險、格鬥或大型狗隻", "保單生效前已患疾病的復發或延續", "間接損失", "非獸醫提供的治療", "保單持有人或同住者蓄意、惡意或嚴重疏忽行為", "戰爭及恐怖主義", "不受保危險狗隻品種：公牛梗犬、阿根廷杜告犬、巴西非拉犬、日本土佐犬、比特鬥牛犬、藏獒（及其混種）" ], "source_urls": [ "https://www.bolttechinsurance.hk/", "https://www.fwd.com.hk/online-insurance/pets-insurance/", "https://www.livibank.com/dam/pdf/insurance/GI-Pet/Pet-Care-Provision-(PET.2023.pdf)" ], "documents_found": [ "毛孩寵物保產品冊子及保費表（FWD富衛官方分銷頁）: https://www.fwd.com.hk/online-insurance/pets-insurance/", "Pet Care 保單條款（PET.2023.06）: https://www.livibank.com/dam/pdf/insurance/GI-Pet/Pet-Care-Provision-(PET.2023.pdf)", "產品摘要 B20_Pet_Care: https://www.fwd.com.hk/files/v3/assets/blta9d684affff23c8c/blt85a1787ff057a27b/6492a5e29601bc1129081f15/B20_Pet_Care_(2023.0620)_SS.pdf" ], "citations": [ { "claim_field": "premium_range", "claim_summary": "年繳保費表：計劃1劃一HK$1,410；計劃2 HK$3,694–4,710；計劃3 HK$6,851–8,741（按寵物年齡6個月至8歲遞增；9-15歲只供續保）", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "Annual Premium Table (HK$) 年繳保費表 (港幣) Age of the Insured Pet (on last birthday) 受保寵物年齡(上一個生日) Plan 計劃 1 Plan 計劃 2 Plan 計劃 3：6 months to 1 year old $1,410 $3,694 $6,851；2 years old $1,410 $3,694 $6,851；3 years old $1,410 $3,694 $6,851；4 years old $1,410 $3,878 $7,194；5 years old $1,410 $4,071 $7,552；6 years old $1,410 $4,273 $7,929；7 years old $1,410 $4,486 $8,325；8 years old $1,410 $4,710 $8,741；9-15 years old For Renewal Only 只供續保", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" }, { "claim_field": "coverage", "claim_summary": "醫療保障（獸醫診金、處方藥物、住房、門診及手術）計劃3每年最高HK$60,000；自選附加醫療保障可提升額外HK$30,000", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "D. 門診及手術費用 手術費用 手術室費用 麻醉師費用 ... 限額 每年 $60,000 ... Option Cover – Top-up Medical Expenses (Section 1E) (applicable to Plan 2 and Plan 3 only) $30,000 每年", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" }, { "claim_field": "coverage", "claim_summary": "保障範圍內醫療項目每宗索償共同保險20%", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "保障範圍內項目每宗索償之共同保險 20% 您於每宗索償所需要承擔的自付金額比率", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" }, { "claim_field": "coverage", "claim_summary": "第三者責任保障：計劃1/2 HK$600,000；計劃3 HK$1,000,000；自付額每宗賠償首HK$3,000", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 2, "quote": "2 Third Party Liability $600,000 $600,000 $1,000,000 Legal liability to Third Parties caused by the Insured Pet ... For Section 2: Excess - The first HK$3,000 of each and every claim", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" }, { "claim_field": "coverage", "claim_summary": "身故服務：計劃2每隻HK$1,000、計劃3每隻HK$1,500（計劃1不適用）；海外保障每個旅程最多90日", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 2, "quote": "3 Funeral Service Not Applicable $1,000 per life $1,500 per life ... Overseas Coverage ... whilst travelling or temporarily located outside Hong Kong up to maximum of 90 days Per trip Per trip", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" }, { "claim_field": "key_terms", "claim_summary": "因疾病引致的醫療費用索償設有由保單生效日起計30天的等候期", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 3, "quote": "項目1: 因疾病引致的醫療費用索償設有由保單生效日起計30天的等候期。", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" }, { "claim_field": "key_terms", "claim_summary": "年繳保費按受保寵物實際年齡訂定；部份狗隻品種被徵收附加保費", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 4, "quote": "年繳保費將根據受保寵物的實際年齡而訂定。部份狗隻品種將被徵收附加保費。保費表將按新申請或續保時本公司所發布的毛孩寵物保最新版本或其他替代產品為準。", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項：投保前已存在之狀況；等候期內所招致費用；處置/火化/殮葬費用；營養膳食/維他命等保健用品；遺傳性/先天畸形/先天性疾病、行為/情緒問題治療、隱睪症", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 4, "quote": "主要不保事項 Major Exclusions：投保前已存在之狀況 Pre-existing Conditions；就等候期內所招致的費用作出的索償 Claims for expenses incurred during the Waiting Period；處置、火化或殮葬受保寵物的遺體之費用；就受保寵物作治療或一般保健用途所需的營養膳食、特別膳食、日常膳食、維他命、礦物質補充劑、居所及沐浴用品之費用；與治療遺傳性、先天畸形、先天性疾病行為、智力、情緒問題之治療或訓練治療隱睪症相關之費用", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" }, { "claim_field": "exclusions", "claim_summary": "主要不保事項（續）：牙科（意外除外）、懷孕/分娩/配種及併發症、器官移植、整容手術；例行身體檢查、X光、化驗及預防性治療、疫苗、絕育、滅蚤、杜蟲、美容修甲", "document": "毛孩寵物保 Pet Care 產品小冊子（保特保險 bolttech Insurance）", "page": 4, "quote": "牙科（因意外而需接受的牙科治療除外）、懷孕、分娩或配種或繁殖及其任何併發症、器官移植、非必要就醫及整容手術有關之費用；例行身體檢查、X光、化驗及預防性治療、預防疫苗、絕育、結紮、例行狼爪移除、滅蚤及防蚤、杜蟲、美容及修甲或上述治療引起的任何併發症", "url": "https://bolttechinsurance.hk/brochure/PetInsurance.pdf" } ], "official_buy_url": "https://www.fwd.com.hk/online-insurance/pets-insurance/", "promo": { "tag": "最新優惠", "note": "網上投保享迎新折扣，高達 80% 實報實銷", "buy_url": "https://www.fwd.com.hk/online-insurance/pets-insurance/" }, "review_notes": [ "2026-10-02：隔離 8 項舊模板／人工拼接引文的保障主張；原值保留於覆核記錄，未有逐條官方證據前不參與金額比較。" ], "record_status": "unverified" }, { "id": "travel-manulife", "category": "travel", "insurer": "Manulife", "insurer_zh": "宏利保險", "product_name": "Manulife Travel Insurance", "product_name_zh": "宏利「宏利旅遊保障」", "plan_tiers": [ "基本計劃", "精選計劃", "優越計劃" ], "premium_range": "未提供可核實保費；舊快照金額缺字，不能作報價或排序。", "premium_available": false, "premium_notes": "此舊資料記錄已暫停用作新投保比較。需先確認實際承保公司、產品名稱、計劃級別及現行文件。", "key_terms": [ "海外醫療保額優越計劃高達 HK,500,000", "全項保障不設自負金額（Excess-free）", "24小時全球緊急醫療運送無最高賠償限額", "手提電話及手提電腦損失最高 HK$3,000–HK$10,000", "業餘滑雪、水肺潛水（深度30米以內）自動受保" ], "exclusions": [ "投保前已存在之疾病或身體缺陷", "參加職業運動或有金錢酬勞之比賽", "手提電話無人看管下遺失", "前往已發出黑色外遊警示之地區" ], "source_urls": [ "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html" ], "documents_found": [ "宏利旅遊保障計劃小冊子及保單條款" ], "coverage": [ { "item": "海外醫療費用及住院補償", "limit": "優越 HK$1,500,000 / 精選 HK$1,000,000 / 基本 HK$500,000（全項免自負額）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 2, "quote": "海外醫療費用優越計劃高達港幣1,500,000元，實報實銷海外急病或意外醫療支出。" }, { "item": "緊急醫療運送及送返", "limit": "不設上限（24小時全球緊急醫療網絡專屬運送服務）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 2, "quote": "緊急醫療運送及遺體運返服務不設賠償金額上限。" }, { "item": "回港覆診醫療費用", "limit": "返港後90天內覆診醫療開支高達 HK$50,000（含跌打中醫治療）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 2, "quote": "返港後90天內覆診醫療開支高達港幣50,000元。" }, { "item": "個人意外身故及傷殘", "limit": "最高 HK$1,200,000", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 3, "quote": "個人意外身故及永久傷殘保障。" }, { "item": "取消旅程 / 縮短旅程保障", "limit": "高達 HK$50,000（嚴重傷病、親屬身故、暴動或天災）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 3, "quote": "因不可預見之指明事故取消或縮短旅程，最高賠償不可退還旅費港幣50,000元。" }, { "item": "旅程延誤現金賠償（每滿6小時）", "limit": "每滿6小時延誤賠償 HK$300（最高賠償港幣3,000元）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 3, "quote": "公共交通工具延誤每滿6小時，提供港幣300元現金津貼。" }, { "item": "行李延誤應急津貼", "limit": "抵達後行李延誤達6小時，購買必需生活用品最高 HK$1,500", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 4, "quote": "寄艙行李延誤達6小時，購買緊急必需品最高港幣1,500元。" }, { "item": "行李及個人物品保障", "limit": "高達 HK$20,000（每件/套物品上限 HK$3,000）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 4, "quote": "個人行李及財物因失竊或損壞，最高賠償額達港幣20,000元。" }, { "item": "手提電話及手提電腦保障", "limit": "手提電話損失高達 HK$2,000；手提電腦最高 HK$5,000", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 4, "quote": "手提電話意外損壞或失竊賠償上限為港幣2,000元。" }, { "item": "租車自負額保障 (Rental Vehicle Excess)", "limit": "高達 HK$5,000（涵蓋自駕遊車輛碰撞及被盜之保險自負額）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 4, "quote": "旅途中合法租賃私家車碰撞之保險自負額最高賠償港幣5,000元。" }, { "item": "業餘極限及休閒運動", "limit": "承保業餘滑雪、水肺潛水（深度30米以內）、滑浪、登山健行等休閒體育", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 5, "quote": "自動承保非專業性之業餘運動。" }, { "item": "個人第三者責任保障", "limit": "高達 HK$2,500,000（法定第三者人身傷亡及財物損壞責任）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 5, "quote": "個人法律責任保障額高達港幣2,500,000元。" }, { "item": "現金及旅行證件遺失", "limit": "個人金錢及補領簽證機票費用最高 HK$3,000–HK$5,000", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html", "document_name": "宏利旅遊保障計劃小冊子及保單條款", "page": 4, "quote": "現金及旅行證件損失保障。" } ], "citations": [ { "claim_field": "coverage", "claim_summary": "宏利優越計劃海外醫療保額150萬，各項保障免自負額", "document": "宏利旅遊保障計劃小冊子及保單條款", "page": 2, "quote": "海外醫療費用優越計劃高達港幣1,500,000元，各項保障均不設自負額。", "url": "https://www.manulife.com.hk/zh-hk/individual/products/general-insurance/travel-insurance.html" } ], "trip_type": "both", "destination_scope": [ "asia", "worldwide" ], "record_status": "archived", "review_notes": [ "2026-09-18資料品質覆核：來源未能支持本頁產品身份，保費和部分保障金額缺字。此記錄暫存作舊資料參考，不代表保險公司已停售所有旅保。", "本頁所列級別、限額、免自付費及優惠未能核實；不能作投保或索償依據。" ] }, { "id": "pet-bowtie", "category": "pet", "insurer": "Bowtie", "product_name": "Bowtie Pet Insurance", "product_name_zh": "Bowtie 寵物保", "plan_tiers": [], "premium_range": "未核實，暫不提供報價比較", "premium_notes": "原收錄寵物計劃無可確認的官方產品頁；原連結失效。", "key_terms": [ "原收錄寵物計劃無可確認的官方產品頁；原連結失效。此為待覆核資料，不代表產品曾經或仍然銷售。" ], "exclusions": [ "未核實，請直接向保險公司查詢。" ], "documents_found": [], "source_urls": [ "https://www.bowtie.com.hk/zh-hk/pet-insurance", "https://www.bowtie.com.hk/blog/zh/pet-insurance-comparison/" ], "citations": [], "coverage": [ { "item": "每年獸醫醫療總限額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "獸醫門診及處方藥物", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "第三者法律責任保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "外科手術及全身麻醉", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "非例行牙科意外治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "寵物癌症化療及放射治療", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "特定品種遺傳性疾病", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "微創手術及先進診斷", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "住院及過夜護理費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "免植晶片投保權益", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "走失尋寵廣告費用", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "主人住院緊急寄宿津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "寵物離世善終火化津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "海外緊急醫療保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "醫療網絡直付諮詢", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" } ], "insurer_zh": "保泰人壽", "official_buy_url": null, "promo": null, "record_status": "archived", "premium_available": false, "source_document_version": null, "last_verified_at": null, "review_notes": [ "原收錄寵物計劃無可確認的官方產品頁；原連結失效。", "2026-10-02 隔離原有數字及引文；完整舊記錄保留於審核備份。" ] }, { "id": "pet-zurich", "category": "pet", "insurer": "Zurich", "product_name": "Zurich Companion Pet Insurance", "product_name_zh": "蘇黎世「伴侶寵物保障」", "plan_tiers": [ "計劃一 (Essential)", "計劃二 (Classic)", "計劃三 (Elite)" ], "premium_range": "每年約 HK$2,480 - $6,800", "premium_notes": "國際頂級保險品牌，保障網絡涵蓋全港所有註冊獸醫，連續投保享無索償折扣優惠", "key_terms": [ "每年最高醫療總限額高達 HK$75,000", "涵蓋門診診金、化驗測試、處方藥物及住院外科手術", "第三者責任保障最高達 HK$2,000,000", "提供走失尋寵廣告費用、善終及緊急寄宿全面保障" ], "exclusions": [ "投保前已存在之傷病或慢性病", "例行剪毛、美容、清潔耳朵或非醫療性洗牙", "未領取有效香港政府狗隻牌照" ], "documents_found": [ "蘇黎世保險「伴侶寵物保障」官方產品專頁（2025-2026 現行版，zurich.com.hk）", "Zurich Pet Insurance Policy Wording & Schedule" ], "source_urls": [ "https://www.zurich.com.hk/zh-hk/individuals/pet-insurance", "https://buy.zurich.com.hk" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "蘇黎世保險「伴侶寵物保障」官方產品專頁", "page": "1", "quote": "每年獸醫醫療開支總額高達 HK$75,000，手術及門診費用實報實銷", "url": "https://www.zurich.com.hk/zh-hk/individuals/pet-insurance" } ], "coverage": [ { "item": "每年獸醫醫療總限額", "limit": "最高 HK$75,000（實報實銷 70%-80%）" }, { "item": "獸醫門診及處方藥物", "limit": "每次最高 HK$1,000，每年最高 HK$10,000" }, { "item": "第三者法律責任保障", "limit": "最高 HK$2,000,000（含訴訟抗辯費用）" }, { "item": "外科手術及麻醉開支", "limit": "每次最高 HK$30,000，涵蓋手術室及儀器費" }, { "item": "先進影像造影診斷 (CT/MRI)", "limit": "每次最高 HK$5,000，需註冊獸醫書面轉介" }, { "item": "癌症化療及持續護理", "limit": "專項醫療補貼每年高達 HK$12,000" }, { "item": "住院過夜護理費用", "limit": "每日最高 HK$1,200，每年最多 20 日" }, { "item": "走失尋寵廣告及酬金", "limit": "最高 HK$3,000（刊登廣告及懸紅賞金）" }, { "item": "主人患病緊急寄宿津貼", "limit": "每日最高 HK$400，每年最高 HK$4,000" }, { "item": "寵物身故善終及火化津貼", "limit": "最高 HK$2,500（恩恤火化及悼念禮儀）" }, { "item": "外遊取消行程寵物護理費", "limit": "主人因急病取消旅程時，已預繳之寄宿費最高賠償 HK$2,000" }, { "item": "無索償保費折扣優惠", "limit": "連續無索償年度可享高達 15% 續保保費折扣" }, { "item": "24小時獸醫電話諮詢支援", "limit": "全天候提供緊急獸醫護理建議與診所指引" }, { "item": "牙科重大意外創傷修復", "limit": "因意外碰撞致牙齒碎裂手術最高 HK$4,000" }, { "item": "微創關節修復手術受保", "limit": "特選高階計劃涵蓋關節脫臼及韌帶撕裂微創修復" } ], "insurer_zh": "蘇黎世保險", "original_price": 2480, "discounted_price": 1984, "promo": { "tag": "官方網上 8 折", "discount": "20% OFF", "note": "官方網上投保享 8 折；每年獸醫醫療最高 HK$75,000，第三者法律責任高達 HK$200 萬", "original_price": 2480, "discounted_price": 1984 }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "pet-avo", "category": "pet", "insurer": "Avo", "product_name": "Avo Pet Insurance", "product_name_zh": "Avo 寵物保障計劃", "plan_tiers": [ "輕巧計劃 (Lite)", "精選計劃 (Standard)", "優越計劃 (Elite)" ], "premium_range": "每年約 HK$1,880 - $4,980", "premium_notes": "香港首間全數碼一般虛擬保險，免驗身免繁瑣文件，最快3分鐘完成線上即時投保", "key_terms": [ "每年醫療總額高達 HK$60,000，不限求診次數", "門診、手術、處方藥物實報實銷 70%-80%", "第三者公眾責任保障最高達 HK$2,000,000", "涵蓋遺傳病、重大癌症化療及善終火化" ], "exclusions": [ "投保前已有疾病或隱性病症", "例行美容、修甲、常規洗牙或疫苗注射", "非註冊獸醫進行之治療" ], "documents_found": [ "Avo Insurance 寵物保障計劃官方產品頁（2025-2026 版，avo.com.hk）", "Avo Pet Insurance Policy Provisions" ], "source_urls": [ "https://www.avo.com.hk/zh-hk/pet-insurance", "https://www.heyavo.com/zh-hk/products/pet" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "Avo 寵物保障計劃官方產品頁", "page": "1", "quote": "每年醫療總額高達 HK$60,000，合資格門診手術 70%-80% 實報實銷", "url": "https://www.avo.com.hk/zh-hk/pet-insurance" } ], "coverage": [ { "item": "每年獸醫醫療總限額", "limit": "最高 HK$60,000（實報實銷 70%-80%）" }, { "item": "獸醫門診及處方藥物", "limit": "每次最高 HK$700，每年不限求診次數" }, { "item": "第三者法律責任保障", "limit": "最高 HK$2,000,000（寵物造成公眾傷亡財損）" }, { "item": "外科手術及麻醉費用", "limit": "每次最高 HK$20,000，包手術室費及縫合護理" }, { "item": "癌症化療及專項診治", "limit": "每年最高 HK$10,000 專項津貼" }, { "item": "特定品種遺傳性疾病", "limit": "保障過敏性皮膚炎、髖關節及白內障手術" }, { "item": "住院留醫護理費用", "limit": "每日最高 HK$800，每年最高 15 日" }, { "item": "免植晶片全品種投保", "limit": "貓狗不論品種均可免植晶片直接投保" }, { "item": "走失尋寵廣告費用", "limit": "最高 HK$2,500（登報或網絡廣告開支）" }, { "item": "主人患病緊急寄宿津貼", "limit": "每日最高 HK$300，每年最高 HK$3,000" }, { "item": "寵物善終及火化津貼", "limit": "最高 HK$2,000（個別或集體火化服務）" }, { "item": "牙科感染重大手術保障", "limit": "每年最高 HK$3,000（非日常例行洗牙）" }, { "item": "線上極速索償通道", "limit": "手機拍照上傳單據，最快 2 個工作天批核賠款" }, { "item": "無索償額外續保折扣", "limit": "首年無索償次年續保即享 10% 保費減免" }, { "item": "海外緊急醫療支援", "limit": "隨行海外旅遊緊急醫療賠償高達 HK$8,000" } ], "insurer_zh": "Avo 保險", "promo": { "tag": "最新優惠", "note": "數碼純線上投保，無自負額，涵蓋多種貓狗遺傳病" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "pet-fwd", "category": "pet", "insurer": "FWD", "product_name": "Pet Insurance (FWD distribution)", "product_name_zh": "毛孩寵物保（富衛金融代理／保特保險承保）", "plan_tiers": [ "基本保障", "自選額外保障（以官方報價為準）" ], "premium_range": "需往官網即時報價", "premium_notes": "按寵物資料及所選保障即時報價；原「珍珠／鑽石」級別及估算未獲官方支持。", "key_terms": [ "由保特保險（香港）有限公司承保，富衛金融有限公司為保險代理商。", "基本醫療保障與自選額外醫療保障須分開理解，並受自負額、等候期及不保事項限制。" ], "exclusions": [ "完整不保事項請參閱官方保單，原摘要未能核實。" ], "documents_found": [ "毛孩寵物保官方產品頁（2026-10-02查閱；頁面未標示版本）" ], "source_urls": [ "https://www.fwd.com.hk/online-insurance/pets-insurance/" ], "citations": [], "coverage": [ { "item": "每年醫療保障", "limit": "基本保障最高HK$60,000；自選額外門診及手術最高HK$30,000，需額外保費及符合條款", "source_url": "https://www.fwd.com.hk/online-insurance/pets-insurance/", "page": null, "document_name": "毛孩寵物保官方香港網頁（2026-10-02查閱）", "quote": "計劃涵蓋獸醫診金，並為藥物和門診及手術費用，每年可高達 60,000 港元。" }, { "item": "第三者責任", "limit": "最高HK$1,000,000；因受保貓狗意外導致第三者財物損毁或身體受傷", "source_url": "https://www.fwd.com.hk/online-insurance/pets-insurance/", "page": null, "document_name": "毛孩寵物保官方香港網頁（2026-10-02查閱）", "quote": "如您的貓狗意外導致第三者財物損毁或身體受傷，計劃會提供高達1,000,000港元的保障。" } ], "insurer_zh": "富衛保險", "official_buy_url": "https://www.fwd.com.hk/online-insurance/pets-insurance/", "promo": null, "premium_available": false, "source_document_version": "官方網頁；未標示版本", "record_status": "unverified", "review_notes": [ "2026-10-02 修正原錯置產品名稱及承保／代理身份；移除沒有證據的80,000醫療、3,000,000責任及15項細目，待逐條保單補證。" ] }, { "id": "domestic-helper-starr", "category": "domestic-helper", "insurer": "Starr", "product_name": "Starr Maid Insurance", "product_name_zh": "司達保險「家家傭」僱傭保障", "plan_tiers": [ "標準計劃 (Standard)", "尊貴計劃 (Premium)" ], "premium_range": "1年期約 HK$680 - $1,280；2年期約 HK$1,220 - $2,280", "premium_notes": "網上投保性價比極高，涵蓋門診中醫跌打、心臟病門診手術及誠實詐騙保障", "key_terms": [ "法定僱員補償責任高達 HK$100,000,000", "住院及外科手術每年保障 HK$50,000", "誠信保障 HK$15,000，保障外傭擅自挪用財物", "重新招聘家傭補聘費用高達 HK$8,000" ], "exclusions": [ "受保前已存在之疾病或病況", "外傭懷孕、分娩或墮胎相關費用", "非註冊醫生施行之治療" ], "documents_found": [ "STARR 保險「家家傭」官方規格專頁（2025-2026 最新版，starrinsurance.com.hk）", "Starr Maid Insurance Policy Schedule" ], "source_urls": [ "https://www.starrinsurance.com.hk/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "STARR 保險「家家傭」官方規格專頁", "page": "1", "quote": "法定僱員補償高達 1 億港元，住院及手術費用每年高達 HK$50,000", "url": "https://www.starrinsurance.com.hk/zh-hk/domestic-helper-insurance" } ], "coverage": [ { "item": "僱主法定僱員補償責任", "limit": "最高 HK$100,000,000（法例要求 1 億元）" }, { "item": "住院及外科手術醫療費用", "limit": "每年最高 HK$50,000（涵蓋住院每日病房雜費）" }, { "item": "門診臨床醫療（西醫網絡）", "limit": "每次最高 HK$200，每年最高 15 次" }, { "item": "中醫及跌打治療津貼", "limit": "每次最高 HK$150，每年最高 HK$1,500" }, { "item": "緊急牙科護理保障", "limit": "每年最高 HK$2,000（因急性牙痛急需拔牙或補牙）" }, { "item": "外傭誠信保障（擅自挪用）", "limit": "最高 HK$15,000（僱主家中金錢及首飾失竊）" }, { "item": "重新聘請家傭中介及簽證費", "limit": "最高 HK$8,000（外傭無故失蹤或中途解約）" }, { "item": "嚴重疾病癌症一次性心意金", "limit": "發放慰問金 HK$15,000" }, { "item": "外傭因病或意外遺體遣送", "limit": "最高 HK$40,000（護送重病外傭或遺體送返）" }, { "item": "僱主第三者責任法律保障", "limit": "最高 HK$100,000（外傭執行職務致第三者受傷）" }, { "item": "臨時本地家務助理津貼", "limit": "每日最高 HK$200，每年最高 HK$3,000" }, { "item": "免費更換外傭保單手續", "limit": "合約期內免費更改受保家傭姓名一次" }, { "item": "24小時緊急全球救援電話", "limit": "全天候提供緊急醫療及法例支援" }, { "item": "外傭直系親屬探訪旅費", "limit": "外傭在港患危疾時，其親屬來港機票津貼 HK$5,000" }, { "item": "外傭意外身故恩恤賠償", "limit": "恩恤撫恤金 HK$15,000" } ], "insurer_zh": "司達保險", "official_buy_url": "https://www.starrinsurance.com.hk/", "promo": { "tag": "最新優惠", "note": "司達網上投保享特惠價，全包門診及牙科保障", "buy_url": "https://www.starrinsurance.com.hk/zh-hk/domestic-helper-insurance" } }, { "id": "domestic-helper-generali", "category": "domestic-helper", "insurer": "Generali", "product_name": "Generali Maid Insurance", "product_name_zh": "忠意保險「家傭安心保」", "plan_tiers": [ "經濟計劃 (Plan A)", "尊尚計劃 (Plan B)" ], "premium_range": "1年期約 HK$720 - $1,380；2年期約 HK$1,280 - $2,480", "premium_notes": "歐洲百年保險品牌，保障項目齊全，賠償速度快，包含外傭門診及重大疾病", "key_terms": [ "僱員補償責任高達 HK$100,000,000", "住院及手術醫療開支最高 HK$60,000", "外傭不誠實行為財產保障 HK$20,000", "補聘費用 HK$10,000 及重病遣送 HK$30,000" ], "exclusions": [ "已有疾病或既往病史", "例行身體檢查或整容", "非持牌註冊西醫或中醫" ], "documents_found": [ "忠意香港官方家傭安心保專頁（2025-2026 版，generali.com.hk）", "Generali Maid Insurance Policy Wording" ], "source_urls": [ "https://www.generali.com.hk/zh-hk/general-insurance/domestic-helper" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "忠意香港官方家傭安心保專頁", "page": "1", "quote": "僱主法定責任最高 1 億港元，外科手術及住院每年 HK$60,000", "url": "https://www.generali.com.hk/zh-hk/general-insurance/domestic-helper" } ], "coverage": [ { "item": "僱主法定僱員補償責任", "limit": "最高 HK$100,000,000（僱員補償條例標準）" }, { "item": "外科手術及住院醫療費用", "limit": "每年最高 HK$60,000（包病房、膳食及手術費）" }, { "item": "門診臨床診治（西醫）", "limit": "每次最高 HK$220，每年最多 18 次" }, { "item": "中醫骨傷跌打針灸門診", "limit": "每次最高 HK$180，每年最高 HK$1,800" }, { "item": "牙科保健及急症治療", "limit": "每年最高 HK$2,000（緊急牙痛止痛及補牙）" }, { "item": "外傭不誠實挪用誠信保障", "limit": "最高 HK$20,000（防範家傭盜竊款項）" }, { "item": "重新招聘家傭補聘津貼", "limit": "最高 HK$10,000（代理人中介費及簽證費）" }, { "item": "嚴重疾病癌症一次性心意金", "limit": "一次性發放慰問金 HK$20,000" }, { "item": "重傷或病故遣送原居地", "limit": "最高 HK$35,000（醫護護送或遺體運返）" }, { "item": "外傭個人責任公眾保障", "limit": "最高 HK$150,000（疏忽引起之第三方損害）" }, { "item": "僱主臨時家務替代津貼", "limit": "每日最高 HK$220，每年最多 HK$4,400" }, { "item": "免費更換外傭保單登記", "limit": "合約期內免費更換外傭一次" }, { "item": "全天候急症諮詢專線", "limit": "24 小時熱線提供即時索償諮詢及醫療指引" }, { "item": "外傭原居地直系親屬探病旅費", "limit": "外傭危疾時親友往返機票最高 HK$5,000" }, { "item": "意外身故恩恤賠償", "limit": "恩恤撫恤金 HK$20,000" } ], "insurer_zh": "忠意保險", "official_buy_url": "https://www.generali.com.hk/zh-hk/general-insurance/domestic-helper", "promo": { "tag": "最新優惠", "note": "官方投保折扣，特設更換傭工及個人法律責任開支", "buy_url": "https://www.generali.com.hk/zh-hk/general-insurance/domestic-helper" } }, { "id": "domestic-helper-hsbc", "category": "domestic-helper", "insurer": "HSBC", "product_name": "HSBC HelperShield Plan", "product_name_zh": "滙豐「家庭傭工保險」HelperShield", "plan_tiers": [ "計劃 A (Plan A)", "計劃 B (Plan B)" ], "premium_range": "1年期約 HK$830 - $1,580；2年期約 HK$1,490 - $2,840", "premium_notes": "滙豐銀行大品牌保障，滙豐信用卡客戶享 85 折保費優惠，涵蓋網絡門診及心臟病手術", "key_terms": [ "僱員補償法定責任最高達 HK$100,000,000", "住院及手術醫療費用每年高達 HK$50,000", "外傭欺詐誠實保障高達 HK$25,000", "服務中斷重新聘請津貼 HK$10,000 及遺體送返原居地 HK$40,000" ], "exclusions": [ "投保前已有傷病或先天缺陷", "外傭懷孕或分娩相關開支", "未領取有效入境處工作簽證" ], "documents_found": [ "滙豐香港官方家庭傭工保障專頁（2025-2026 現行版，hsbc.com.hk）", "HSBC HelperShield Insurance Policy Details" ], "source_urls": [ "https://www.hsbc.com.hk/zh-hk/insurance/products/home/domestic-helper/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "滙豐香港官方家庭傭工保障專頁", "page": "1", "quote": "法定僱員補償高達 1 億港元，住院及手術費用每年高達 HK$50,000", "url": "https://www.hsbc.com.hk/zh-hk/insurance/products/home/domestic-helper/" } ], "coverage": [ { "item": "僱主法定僱員補償責任", "limit": "最高 HK$100,000,000（法定義務 1 億元）" }, { "item": "住院及外科手術醫療費用", "limit": "每年最高 HK$50,000（涵蓋住院手術及雜費）" }, { "item": "門診臨床診治（網絡西醫）", "limit": "每次最高 HK$220，每年最多 15 次" }, { "item": "中醫跌打針灸門診", "limit": "每次最高 HK$180，每年最高 HK$1,800" }, { "item": "牙科重大意外及止痛治療", "limit": "每年最高 HK$2,000（緊急拔牙補牙及止痛）" }, { "item": "外傭不誠實行為欺詐保障", "limit": "最高 HK$25,000（金錢及首飾未經授權提取）" }, { "item": "服務中斷重新招聘外傭津貼", "limit": "最高 HK$10,000（中介手續費及政府簽證費）" }, { "item": "嚴重疾病癌症一次性心意金", "limit": "發放慰問金 HK$15,000" }, { "item": "重病或受傷遣返原居地", "limit": "最高 HK$40,000（醫療專機或遺體運送）" }, { "item": "僱主公眾責任法律保障", "limit": "最高 HK$100,000（外傭執行家務致第三者受損）" }, { "item": "替換外傭臨時家務補貼", "limit": "每日最高 HK$200，每年最高 HK$3,000" }, { "item": "保單期內更換外傭免費登記", "limit": "合約期內免費更換外傭一次" }, { "item": "滙豐信用卡專享 85 折優惠", "limit": "以滙豐信用卡網上即時付款即享首期保費 85 折" }, { "item": "外傭家屬緊急來港探視旅費", "limit": "外傭危疾時親屬來港機票津貼 HK$5,000" }, { "item": "外傭意外身故撫恤金", "limit": "發放撫恤金 HK$15,000" } ], "insurer_zh": "滙豐保險", "promo": { "tag": "最新優惠", "note": "滙豐客戶尊享保費折扣及信用卡積分回贈" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "motor-directasia", "category": "motor", "insurer": "DirectAsia", "product_name": "DirectAsia Motor Insurance", "product_name_zh": "DirectAsia 私家車保險", "plan_tiers": [ "第三者責任保險 (Third Party Only)", "綜合全保 (Comprehensive)" ], "premium_range": "三保約 HK$1,200 - $2,800；全保約 HK$4,500 - $12,000", "premium_notes": "直銷車保專家，免中介佣金，報價即買，提供自選自負額及尊享 NCD 保護保障", "key_terms": [ "第三者人身傷亡法律責任高達 HK$100,000,000", "第三者財產損害責任高達 HK$5,000,000", "自身車輛碰撞損毀及火災盜竊全保賠償", "獨家 NCD 保護者，索償一次仍維持現有 NCD 折扣" ], "exclusions": [ "未獲授權駕駛者或無牌駕駛", "酒後駕駛或受藥物影響下駕駛", "車輛用於非法賽車或出租載客用途" ], "documents_found": [ "DirectAsia 香港官方私家車保險專頁（2025-2026 版，directasia.com.hk）", "DirectAsia Private Car Policy Wording" ], "source_urls": [ "https://www.directasia.com.hk/zh-hk/car-insurance/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "DirectAsia 香港官方私家車保險專頁", "page": "1", "quote": "第三者人身傷亡最高 1 億港元，第三者財產損壞最高 HK$5,000,000", "url": "https://www.directasia.com.hk/zh-hk/car-insurance/" } ], "coverage": [ { "item": "第三者人身傷亡責任", "limit": "最高 HK$100,000,000（法例規定法定保額）" }, { "item": "第三者財產損毀責任", "limit": "最高 HK$5,000,000（路面設施及他車財損）" }, { "item": "自身車輛碰撞損毀賠償", "limit": "按事故發生時車輛市場價值全額賠償（綜合全保）" }, { "item": "自身車輛火災及盜竊損失", "limit": "按車輛市價賠償，不設折舊扣減（綜合全保）" }, { "item": "擋風玻璃獨立免墊底賠償", "limit": "最高 HK$5,000，維修或更換不扣減 NCD" }, { "item": "NCD 無索償折扣保護保障", "limit": "自選加購，索償一次仍 100% 保留現有 NCD 折扣" }, { "item": "24小時全港免費緊急拖車支援", "limit": "提供路邊搭電、更換備胎及拖車至指定車房" }, { "item": "新車首年全損換新車保障", "limit": "新車落地首 12 個月全損，賠償同廠同款全新私家車" }, { "item": "司機個人意外身故及傷殘", "limit": "最高 HK$250,000（駕駛期間意外保障）" }, { "item": "乘客意外傷亡保障", "limit": "每名乘客最高 HK$100,000 醫療及意外賠償" }, { "item": "緊急路邊救援及代步車津貼", "limit": "車輛維修期間每日代步車津貼最高 HK$300" }, { "item": "自選指定維修車房或原廠", "limit": "彈性選擇 DirectAsia 認可網絡車房或原廠保修" }, { "item": "特低自負額選項", "limit": "可按預算自選 HK$0 至 HK$10,000 自負額以調低保費" }, { "item": "指定駕駛者專屬保費折扣", "limit": "限制 1-2 位指定駕駛者可額外享高達 15% 保費優惠" }, { "item": "網上即時報價即時出單", "limit": "輸入車牌及牌簿資料，3分鐘完成投保並即時獲發暫保單 (Cover Note)" } ], "insurer_zh": "DirectAsia 達信保險", "official_buy_url": "https://www.directasia.com.hk/zh-hk/car-insurance/", "promo": { "tag": "最新優惠", "note": "直銷車險免中介佣金；承諾同級保障超平價", "buy_url": "https://www.directasia.com.hk/zh-hk/car-insurance/" } }, { "id": "motor-bowtie", "category": "motor", "insurer": "Bowtie", "product_name": "Bowtie Car Insurance", "product_name_zh": "Bowtie 汽車保險", "plan_tiers": [], "premium_range": "未核實，暫不提供報價比較", "premium_notes": "原收錄汽車計劃無可確認的官方產品頁；原連結失效。", "key_terms": [ "原收錄汽車計劃無可確認的官方產品頁；原連結失效。此為待覆核資料，不代表產品曾經或仍然銷售。" ], "exclusions": [ "未核實，請直接向保險公司查詢。" ], "documents_found": [], "source_urls": [ "https://www.bowtie.com.hk/zh-hk/car-insurance" ], "citations": [], "coverage": [ { "item": "第三者人身傷亡責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "第三者財物損害責任", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "自身車身碰撞損毀賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "自身車輛失竊及火警損失", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "擋風玻璃獨立免自負額賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "24小時免費路邊救援及拖車", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "NCD 折扣保護條款", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "電動車 (EV) 充電配件專項保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "司機個人意外傷亡保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "乘客個人意外保障", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "維修期間租車代步津貼", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "車載個人財物被盜賠償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "線上 3 分鐘極速報價出單", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "彈性自選自負額", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" }, { "item": "專屬手機 APP 一鍵索償", "limit": "未核實：舊整理內容未有對應官方條款，請查閱保險公司文件。", "source_url": "", "page": null, "quote": "", "document_name": "" } ], "insurer_zh": "保泰人壽", "official_buy_url": null, "promo": null, "record_status": "archived", "premium_available": false, "source_document_version": null, "last_verified_at": null, "review_notes": [ "原收錄汽車計劃無可確認的官方產品頁；原連結失效。", "2026-10-02 隔離原有數字及引文；完整舊記錄保留於審核備份。" ] }, { "id": "critical-illness-generali", "category": "critical-illness", "insurer": "Generali", "product_name": "Generali LionGuardian", "product_name_zh": "忠意保險「加愛無限保」", "plan_tiers": [ "基本保障 (Essential)", "卓越保障 (Prestige)" ], "premium_range": "按投保年齡、性別及吸煙習慣分級定價", "premium_notes": "全港首創無上限癌症多重賠償，每次賠償 100% 保額，未確立為惡性之良性腫瘤亦受保", "key_terms": [ "涵蓋多達 138 種嚴重疾病、早期危疾及兒童特有病況", "無上限次數癌症多重賠償，每次發放 100% 保額", "未確立為惡性之良性腫瘤切除保障最高達 15% 保額", "確診重大危疾後即時豁免往後所有保費" ], "exclusions": [ "保單生效前已存在之病症", "保單生效日起 90 日等候期內確診之疾病", "受保人故意自我傷害或違法行為" ], "documents_found": [ "忠意保險「加愛無限保」官方產品專頁（2025-2026 現行版，generali.com.hk）", "Generali LionGuardian Product Brochure & Coverage Schedule" ], "source_urls": [ "https://www.generali.com.hk/zh-hk/life-insurance/critical-illness/lionguardian" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "忠意保險「加愛無限保」官方產品專頁", "page": "1", "quote": "癌症多重賠償無上限次數，每次賠償 100% 保額，涵蓋新發、復發、轉移及持續癌症", "url": "https://www.generali.com.hk/zh-hk/life-insurance/critical-illness/lionguardian" } ], "coverage": [ { "item": "嚴重危疾首期賠償", "limit": "100% 基本投保額（涵蓋癌症、心臟病、中風等大病）" }, { "item": "無上限癌症多重賠償", "limit": "每次賠償 100% 保額，不設總次數上限（等候期3年）" }, { "item": "心臟病及中風多次賠償", "limit": "每次賠償 100% 保額，額外提供多達 2 次賠償" }, { "item": "早期危疾及原位癌賠償", "limit": "預先賠償 20%-25% 保額（包括通波仔、早期甲狀腺癌等）" }, { "item": "未確立為惡性之良性腫瘤切除", "limit": "最高額外賠償 15% 保額（預防性切除良性腫瘤手術）" }, { "item": "確診嚴重危疾豁免保費", "limit": "首次獲批嚴重危疾賠償後，即時永久豁免往後所有保費" }, { "item": "兒童嚴重疾病及精神保障", "limit": "涵蓋自閉症、ADHD、妥瑞症及嚴重哮喘額外賠償 20%" }, { "item": "深切治療病房 (ICU) 專項賠償", "limit": "連續入住 ICU 達 120 小時，預支高達 20% 保額" }, { "item": "額外恩恤身故撫恤保障", "limit": "不幸身故發放 100% 保額加額外身故慰問金" }, { "item": "直系親屬親情守護保障", "limit": "父母或配偶不幸患重疾或身故，豁免受保子女後續保費" }, { "item": "癌症持續復發無縫銜接", "limit": "癌症治療期間持續提供每月生活現金津貼支援" }, { "item": "非吸煙者特惠保費費率", "limit": "非吸煙健康受保人享高達 25% 保費折扣優惠" }, { "item": "保證現金價值與終期紅利", "limit": "兼備儲蓄分紅價值，長遠滾存財富傳承" }, { "item": "全球頂尖第二醫療意見服務", "limit": "免費安排美國及歐洲頂級醫療專家提供獨立治療意見" }, { "item": "專屬海外醫療轉介通道", "limit": "優先預約海外權威醫院專科手術及醫療綠色通道" } ], "insurer_zh": "忠意保險", "official_buy_url": "https://www.generali.com.hk/zh-hk/life-insurance/critical-illness/lionguardian", "promo": { "tag": "最新優惠", "note": "無限次癌症賠償，兼具早期良性病變及先天性疾病保障", "buy_url": "https://www.generali.com.hk/zh-hk/life-insurance/critical-illness/lionguardian" } }, { "id": "accident-bowtie", "category": "accident", "insurer": "Bowtie", "product_name": "Bowtie Touchwood Accident Plan", "product_name_zh": "Bowtie「觸木保」個人意外保", "plan_tiers": [ "基本計劃 (Standard)", "升級計劃 (Premium)" ], "premium_range": "每月約 HK$58 - $168（每年約 HK$696 - $2,016）", "premium_notes": "純線上投保免核保，業餘運動（滑雪、潛水、行山）全保，中醫跌打實報實銷", "key_terms": [ "意外身故及永久完全傷殘高達 HK$1,000,000", "意外醫療費用實報實銷每年高達 HK$40,000", "滑雪、水肺潛水、馬拉松等消閒及業餘運動完全受保", "中醫、跌打、針灸、物理治療及脊醫專項門診全包" ], "exclusions": [ "從事職業運動員活動或專業特技表演", "酒駕、毒駕或違法犯罪行為", "自殘、自殺或受精神錯亂影響下發生之意外" ], "documents_found": [ "Bowtie「觸木保」官方產品專頁（2025-2026 版，bowtie.com.hk）", "Bowtie Touchwood Accident Policy Provisions" ], "source_urls": [ "https://www.bowtie.com.hk/zh-hk/touchwood-accident-insurance", "https://www.bowtie.com.hk/zh/insurance/accidental" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "Bowtie「觸木保」官方產品專頁", "page": "1", "quote": "意外身故及永久完全傷殘高達 HK$1,000,000，意外醫療每年高達 HK$40,000", "url": "https://www.bowtie.com.hk/zh-hk/touchwood-accident-insurance" } ], "coverage": [ { "item": "意外身故及永久完全傷殘", "limit": "最高 HK$1,000,000（一次性 100% 賠償）" }, { "item": "意外醫療費用實報實銷", "limit": "每年最高 HK$40,000（普通科、專科及門診急症）" }, { "item": "中醫跌打及針灸治療門診", "limit": "每次最高 HK$350，每年最高 HK$3,500" }, { "item": "物理治療及脊骨神經治療", "limit": "每次最高 HK$400，每年最高 HK$4,000" }, { "item": "業餘及消閒運動受傷全包", "limit": "滑雪、水肺潛水、滑浪、馬拉松等業餘運動無除外責任" }, { "item": "骨折及關節脫臼專項津貼", "limit": "按骨折部位額外發放現金津貼高達 HK$10,000" }, { "item": "意外住院每日現金津貼", "limit": "每日發放 HK$600，每年最高 90 日" }, { "item": "公共交通工具意外雙倍賠償", "limit": "乘搭港鐵、巴士、渡輪等意外身故發放高達 HK$2,000,000" }, { "item": "全球 24 小時個人意外受保", "limit": "保障全球通用，留港或出國旅遊公幹均獲保障" }, { "item": "輔助醫療器材購置補貼", "limit": "最高 HK$5,000（輪椅、拐杖、矯形支架等）" }, { "item": "面部重大創傷整容手術津貼", "limit": "因意外致面部受損修復手術最高 HK$20,000" }, { "item": "意外永久部分傷殘分級賠償", "limit": "按傷殘等級表賠償保額之 10% 至 100%" }, { "item": "免驗身免核保即時生效", "limit": "網上 3 分鐘投保，無健康申報限制，即時出單" }, { "item": "一鍵線上拍照快速索償", "limit": "手機拍照上傳單據及診斷證明，平均 3 日完成理賠" }, { "item": "保證續保至 80 歲", "limit": "不論過往索償紀錄，每年保證可續保至 80 歲" } ], "insurer_zh": "保泰人壽", "original_price": 696, "discounted_price": 487, "promo": { "tag": "首年 7 折最新代碼", "code": "BLOGLEARNING2", "discount": "30% OFF", "note": "首年 7 折 + 次年 9 折；意外醫療每年高達 HK$420,000，中醫跌打針灸物理治療無需西醫轉介", "original_price": 696, "discounted_price": 487 }, "official_buy_url": "https://www.bowtie.com.hk/zh/insurance/accidental", "review_notes": [ "2026-10-02：修正已失效的官方入口；新頁面名稱對應本記錄。此連結修正不代表已全面核實保障或銷售資格。" ] }, { "id": "accident-blue", "category": "accident", "insurer": "Blue", "product_name": "Blue WeCare Personal Accident Protection Plan", "product_name_zh": "Blue「WeCare 個人意外保險計劃」", "plan_tiers": [ "計劃 1", "計劃 2", "計劃 3" ], "premium_range": "每年約 HK$550 - $1,680", "premium_notes": "純數碼保險，免體檢免核保，公共交通意外雙倍賠償，門診跌打物理治療全包", "key_terms": [ "意外身故及永久完全傷殘高達 HK$1,500,000", "公共交通工具意外雙倍身故賠償高達 HK$3,000,000", "意外醫療費用每次高達 HK$10,000，實報實銷", "涵蓋跌打中醫、物理治療及每日意外住院現金津貼" ], "exclusions": [ "參與職業特技、高風險賽車或競速活動", "故意自我傷害、吸毒或醉酒駕駛", "在受保前已確診之肢體永久殘疾" ], "documents_found": [ "Blue 香港官方 WeCare 個人意外保專頁（2025-2026 版，blue.com.hk）", "Blue WeCare Personal Accident Policy Provisions" ], "source_urls": [ "https://www.blue.com.hk/hk/wecare-personal-accident-protection-plan" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "Blue 香港官方 WeCare 個人意外保專頁", "page": "1", "quote": "意外身故及永久傷殘高達 HK$1,500,000，公共交通意外享雙倍賠償高達 HK$3,000,000", "url": "https://www.blue.com.hk/hk/wecare-personal-accident-protection-plan" } ], "coverage": [ { "item": "意外身故及永久完全傷殘", "limit": "最高 HK$1,500,000（一次性 100% 賠償）" }, { "item": "公共交通工具意外雙倍賠償", "limit": "最高 HK$3,000,000（公共巴士、港鐵、渡輪、飛機）" }, { "item": "意外醫療費用實報實銷", "limit": "每次意外最高 HK$10,000，每年不限次數" }, { "item": "中醫跌打及針灸專項門診", "limit": "每次最高 HK$300，每次意外最高 HK$1,500" }, { "item": "物理治療及脊醫專項門診", "limit": "每次最高 HK$400，每次意外最高 HK$2,000" }, { "item": "骨折及脫臼專項現金津貼", "limit": "額外發放一次性津貼最高 HK$12,000" }, { "item": "意外住院每日現金津貼", "limit": "每日發放 HK$500，每年最多 60 日" }, { "item": "消閒及業餘體育運動保障", "limit": "包括休閒滑雪、水肺潛水、行山健行受傷受保" }, { "item": "永久部分傷殘分級賠償", "limit": "按傷殘等級表獲賠 10% 至 100% 保額" }, { "item": "意外嚴重燒傷額外賠償", "limit": "二級或三級嚴重燒傷額外賠償高達 HK$500,000" }, { "item": "全球 24 小時個人意外受保", "limit": "出國公幹或個人旅遊期間全球 24 小時受保" }, { "item": "免核保免體檢網上投保", "limit": "無健康申報限制，3分鐘即投即生效" }, { "item": "輪椅及助行拐杖租購津貼", "limit": "每次意外最高 HK$3,000 輔助器材補助" }, { "item": "線上極速理賠服務", "limit": "經 Blue 網上平台提交單據，最快 3 天內賠款到戶" }, { "item": "保證續保至 75 歲", "limit": "每年保證續保，不因個人索償歷史調高個別保費" } ], "insurer_zh": "Blue 保險", "official_buy_url": "https://www.blue.com.hk/zh-hk/products/accident/wecare-personal-accident-protection-plan", "promo": { "tag": "最新優惠", "note": "數碼純線上投保，無手續費，投保享迎新保費折減", "buy_url": "https://www.blue.com.hk/zh-hk/products/accident/wecare-personal-accident-protection-plan" } }, { "id": "home-hsbc", "category": "home", "insurer": "HSBC", "product_name": "HSBC ResidenceSurance", "product_name_zh": "滙豐「家居保險」ResidenceSurance", "plan_tiers": [ "基本計劃 (Standard)", "尊尚計劃 (Superior)" ], "premium_range": "每年約 HK$1,080 - $2,880", "premium_notes": "滙豐銀行旗艦家居保，滙豐客戶投保專享保費折扣，保障涵蓋家居財物及大額公眾法律責任", "key_terms": [ "家居財物保障額每年高達 HK$1,000,000", "全球個人公眾法律責任保障高達 HK$10,000,000", "急修開鎖及更換門鎖費用高達 HK$3,000", "冷氣機漏水、爆水管引致之裝修及財物損害賠償高達 HK$20,000", "因災修復期間之臨時居所住宿開支高達 HK$50,000" ], "exclusions": [ "樓齡超過 40 年且未通過指定結構驗樓之物業（除非獲個別核保批准）", "物業連續空置超過 30 天期間發生之水浸或盜竊損失", "日常折舊磨損、自然老化、蟲蛀或發霉" ], "documents_found": [ "滙豐香港官方「家居保險」官方產品專頁（2025-2026 最新版，hsbc.com.hk）", "HSBC ResidenceSurance Policy Schedule and Terms" ], "source_urls": [ "https://www.hsbc.com.hk/zh-hk/insurance/products/home/residencesurance/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "滙豐香港官方「家居保險」官方產品專頁", "page": "1", "quote": "家居財物保障高達 HK$1,000,000，第三者法律責任保障高達 HK$10,000,000", "url": "https://www.hsbc.com.hk/zh-hk/insurance/products/home/residencesurance/" } ], "coverage": [ { "item": "家居財物保障總額", "limit": "每年最高 HK$1,000,000（火災、水浸、颱風或盜竊損害）" }, { "item": "第三者法律公眾責任", "limit": "最高 HK$10,000,000（業主及住客疏忽致他人傷亡財損）" }, { "item": "全球個人財物保障", "limit": "最高 HK$50,000（手提電腦、手錶及首飾隨身物品）" }, { "item": "緊急開鎖及更換鎖匙", "limit": "最高 HK$3,000（因意外遺失鑰匙或門鎖被撬）" }, { "item": "臨時居所租金及住宿", "limit": "每日最高 HK$2,000，總限額高達 HK$50,000" }, { "item": "爆水管及冷氣機漏水", "limit": "最高 HK$20,000（探測水管源頭及修復費用）" }, { "item": "家庭僱工隨身財物保障", "limit": "最高 HK$10,000（同住外傭在火警或盜竊中之財物損失）" }, { "item": "停電冷藏食品變質補貼", "limit": "最高 HK$3,000（雪櫃斷電引致食物損壞）" }, { "item": "信用卡未授權盜用保障", "limit": "最高 HK$15,000（家中失竊信用卡被盜用）" }, { "item": "室內小型裝修工程保障", "limit": "最高 HK$100,000（裝修期間物料受損及公眾責任）" }, { "item": "寵物意外引致第三者損害", "limit": "涵蓋在第三者法律責任 HK$10,000,000 內" }, { "item": "大廈外牆及公用地方分攤", "limit": "業主立案法團向業主追討之分攤賠償最高 HK$500,000" }, { "item": "窗戶玻璃意外破碎修復", "limit": "最高 HK$5,000（颱風吹裂鋁窗玻璃）" }, { "item": "線上極速投保即時生效", "limit": "輸入物業實用面積及地址，即時出單生效" } ], "insurer_zh": "滙豐保險", "promo": { "tag": "最新優惠", "note": "滙豐按揭客戶或卓越理財享額外保費回贈" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "home-prudential", "category": "home", "insurer": "Prudential", "product_name": "PRUChoice Home", "product_name_zh": "保誠精選「家居樂」", "plan_tiers": [ "計劃 A (Plan A)", "計劃 B (Plan B)", "計劃 C (Plan C)" ], "premium_range": "每年約 HK$980 - $2,680", "premium_notes": "保誠熱門家居險，大額公眾法律責任，水浸颱風全球個人財物全覆蓋", "key_terms": [ "家居財物保障高達 HK$1,500,000", "全球第三者公眾法律責任高達 HK$10,000,000", "緊急維修、開鎖換鎖及水浸爆管全面支援", "停電冷藏食物損壞及臨時居所津貼高達 HK$60,000" ], "exclusions": [ "物業空置超過連續 30 天", "非法建築物或天台屋部分之財物", "故意人為破壞或嚴重疏忽" ], "documents_found": [ "保誠香港官方精選「家居樂」官方產品手冊（2025-2026 現行版，prudential.com.hk）", "PRUChoice Home Insurance Policy Provisions" ], "source_urls": [ "https://www.prudential.com.hk/zh-hk/general-insurance/home/", "https://www.prudential.com.hk/tc/general-insurance/home/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "保誠香港官方精選「家居樂」官方產品手冊", "page": "1", "quote": "家居財物保障高達 HK$1,500,000，全球個人責任高達 HK$10,000,000", "url": "https://www.prudential.com.hk/zh-hk/general-insurance/home/" } ], "coverage": [ { "item": "家居財物保障總額", "limit": "每年最高 HK$1,500,000（火災、爆炸、盜竊及天災損害）" }, { "item": "全球第三者法律責任", "limit": "最高 HK$10,000,000（業主、住客及家庭成員全球公眾責任）" }, { "item": "全球隨身貴重財物保障", "limit": "最高 HK$30,000（每件上限 HK$10,000）" }, { "item": "緊急開鎖換鎖專項服務", "limit": "最高 HK$2,500（鑰匙遺失或門鎖故障急修）" }, { "item": "臨時居所租金及膳食津貼", "limit": "最高 HK$60,000（住所因災無法居住期間）" }, { "item": "水喉爆裂滲水及探測費", "limit": "最高 HK$20,000（尋找滲水漏水點探測支出）" }, { "item": "同住家傭個人財物補償", "limit": "最高 HK$10,000（家傭私人物品火警失竊受保）" }, { "item": "斷電冷藏食物損壞津貼", "limit": "最高 HK$3,000（公共電力中斷超過 4 小時）" }, { "item": "室內鋁窗玻璃破損修復", "limit": "最高 HK$6,000（颱風暴雨震裂窗戶）" }, { "item": "大廈外牆公用部分法團責任", "limit": "最高分攤賠償 HK$500,000" }, { "item": "合法飼養寵物公眾責任", "limit": "受保寵物咬傷他人或損毀他人物件之賠償責任" }, { "item": "裝修期內工程物料保障", "limit": "裝修期長達 60 天內最高保障 HK$100,000" }, { "item": "租客拖欠租金法律追討保障", "limit": "自選加購，提供律師訴訟開支支援最高 HK$50,000" }, { "item": "24小時緊急家居支援熱線", "limit": "全天候提供水喉、電工、鎖匠及滅蟲推薦支援" } ], "insurer_zh": "保誠保險", "promo": { "tag": "最新優惠", "note": "保誠精選官方優惠，全方位家居財物與全球法律責任" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "home-fwd", "category": "home", "insurer": "FWD", "product_name": "FWD Home Care", "product_name_zh": "富衛「易安家」家居保", "plan_tiers": [ "易安心 (Basic)", "易安家 (Comprehensive)" ], "premium_range": "每年約 HK$780 - $2,180", "premium_notes": "純線上投保，免自負額選項，包含寵物公眾責任及家傭財物，性價比極高", "key_terms": [ "家居財物保障高達 HK$1,200,000，不設個別房間分項上限", "全球第三者個人法律責任保障高達 HK$10,000,000", "貓狗寵物引起之公眾傷亡財損保障高達 HK$5,000,000", "地下暗渠破裂探測及水管修復費用高達 HK$20,000" ], "exclusions": [ "物業連續無人居住超過 30 天", "違例建築物或露台僭建部分", "非意外引致之日常耗損" ], "documents_found": [ "富衛香港官方「易安家」家居保險專頁（2025-2026 最新版，fwd.com.hk）", "FWD Home Care Policy Terms" ], "source_urls": [ "https://www.fwd.com.hk/zh/general-insurance/home-insurance/", "https://www.fwd.com.hk/online-insurance/home-insurance/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "富衛香港官方「易安家」家居保險專頁", "page": "1", "quote": "家居財物保障最高 HK$1,200,000，第三者法律責任高達 HK$10,000,000", "url": "https://www.fwd.com.hk/zh/general-insurance/home-insurance/" } ], "coverage": [ { "item": "家居財物保障總額", "limit": "每年最高 HK$1,200,000（實報實銷，無自負額選項）" }, { "item": "全球第三者法律責任", "limit": "最高 HK$10,000,000（涵蓋業主及所有同住家庭成員）" }, { "item": "寵物引起之第三者責任", "limit": "最高 HK$5,000,000（家中犬隻或貓咪抓傷咬傷他人）" }, { "item": "水喉破裂源頭探測費", "limit": "最高 HK$20,000（專業儀器檢測暗渠滲水）" }, { "item": "緊急開鎖服務津貼", "limit": "最高 HK$2,500（忘帶鑰匙或鎖芯卡死）" }, { "item": "臨時居所租金及搬遷費", "limit": "最高 HK$50,000（居所因火災水災無法居住）" }, { "item": "冷藏食品變質補貼", "limit": "最高 HK$3,000（非人為斷電致雪櫃食物腐壞）" }, { "item": "同住家傭個人財產保障", "limit": "最高 HK$15,000（火災或入屋盜竊損毀）" }, { "item": "信用卡被盜刷保障", "limit": "最高 HK$10,000（家中被盜卡片之未授權交易）" }, { "item": "室內裝修期間損毀保障", "limit": "裝修期最高 60 天，賠償額高達 HK$100,000" }, { "item": "窗戶風暴損壞更換", "limit": "最高 HK$5,000（8號風球或黑雨吹碎玻璃）" }, { "item": "法團公用部分維修分攤", "limit": "最高 HK$500,000（大廈外牆石屎剝落分攤責任）" }, { "item": "網上投保最快2分鐘出單", "limit": "全數碼流程，信用卡付款即時生成電子保單" } ], "insurer_zh": "富衛保險", "promo": { "tag": "最新優惠", "note": "網上投保限時折扣，涵蓋高達百萬財物及臨時住宿津貼" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "home-starr", "category": "home", "insurer": "Starr", "product_name": "Starr Home Insurance", "product_name_zh": "司達保險「泰安心」家居保", "plan_tiers": [ "經濟計劃 (Economy)", "精選計劃 (Elite)" ], "premium_range": "每年約 HK$650 - $1,680", "premium_notes": "網上投保高性價比之選，保費親民，門窗撬開修復、冷氣機漏水及法律抗辯全包", "key_terms": [ "家居財物保障高達 HK$800,000", "大廈公眾第三者責任高達 HK$10,000,000", "水喉爆裂及冷氣機水浸修復高達 HK$15,000", "門窗被撬遭破壞更換及開鎖費用高達 HK$3,000" ], "exclusions": [ "物業連續空置超過 30 天", "非法改建或加建部分", "自然老化與日常損耗" ], "documents_found": [ "STARR 保險「泰安心」家居保官方規格專頁（2025-2026 最新版，starrinsurance.com.hk）", "Starr Home Insurance Policy Schedule" ], "source_urls": [ "https://www.starrinsurance.com.hk/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "STARR 保險「泰安心」家居保官方規格專頁", "page": "1", "quote": "家居財物保障高達 HK$800,000，第三者責任高達 HK$10,000,000", "url": "https://www.starrinsurance.com.hk/zh-hk/home-insurance" } ], "coverage": [ { "item": "家居財物保障總額", "limit": "每年最高 HK$800,000（火警、颱風、水浸、盜竊損失）" }, { "item": "第三者法律公眾責任", "limit": "最高 HK$10,000,000（在港任何第三者身體傷害或財產損失）" }, { "item": "水喉爆裂及冷氣漏水", "limit": "最高 HK$15,000（水管破裂造成之室內損毀維修）" }, { "item": "門窗被撬修復及開鎖費", "limit": "最高 HK$3,000（盜賊入屋破壞更換門鎖）" }, { "item": "臨時居所租金津貼", "limit": "最高 HK$40,000（房屋受損無法居住期間租金補貼）" }, { "item": "停電冷藏食物損壞補償", "limit": "最高 HK$2,500（雪櫃停電食物變質）" }, { "item": "同住家傭個人財物保障", "limit": "最高 HK$8,000（家傭個人私人物品受保）" }, { "item": "個人法律訴訟抗辯費用", "limit": "受保公眾責任訴訟抗辯費用全包" }, { "item": "裝修期內財物保障", "limit": "最高 30 天室內裝修期間意外保障 HK$50,000" }, { "item": "大廈外牆法團責任分攤", "limit": "最高分擔賠償額 HK$300,000" }, { "item": "極速線上投保優惠", "limit": "網站輸入建築面積，即享常設 8 折投保優惠" } ], "insurer_zh": "司達保險", "official_buy_url": "https://www.starrinsurance.com.hk/", "promo": { "tag": "最新優惠", "note": "官方網上投保即時生效，特設水喉水浸專項支援", "buy_url": "https://www.starrinsurance.com.hk/zh-hk/home-insurance" } }, { "id": "pet-prudential", "category": "pet", "insurer": "Prudential", "product_name": "PRUChoice Furkid Care", "product_name_zh": "保誠「PRUChoice 毛孩保障」", "plan_tiers": [ "精選計劃 (Select)", "尊尚計劃 (Premier)" ], "premium_range": "每年約 HK$2,200 - $5,800", "premium_notes": "保誠知名品牌保障，涵蓋門診西醫手術、第三者責任、善終服務，支持無自負額選項", "key_terms": [ "每年獸醫醫療總額高達 HK$65,000", "外科手術及麻醉費用每次最高 HK$25,000", "門診診金每次最高 HK$800，處方藥物實報實銷", "第三者公眾責任保障高達 HK$1,500,000" ], "exclusions": [ "投保前已有疾病或隱性病症", "常規預防疫苗注射、例行修甲及美容洗澡", "非由註冊獸醫開具之處方藥物" ], "documents_found": [ "保誠香港官方「毛孩保障」官方產品專頁（2025-2026 現行版，prudential.com.hk）", "PRUChoice Furkid Care Policy Wording" ], "source_urls": [ "https://www.prudential.com.hk/zh-hk/general-insurance/pet/", "https://www.prudential.com.hk/tc/general-insurance/pet/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "保誠香港官方「毛孩保障」官方產品專頁", "page": "1", "quote": "每年獸醫醫療總限額高達 HK$65,000，第三者責任高達 HK$1,500,000", "url": "https://www.prudential.com.hk/zh-hk/general-insurance/pet/" } ], "coverage": [ { "item": "每年獸醫醫療總限額", "limit": "最高 HK$65,000（實報實銷 70%-80%）" }, { "item": "外科手術及麻醉開支", "limit": "每次最高 HK$25,000，包手術室費及縫合護理" }, { "item": "獸醫門診及處方藥物", "limit": "每次最高 HK$800，每年最高 12 次" }, { "item": "第三者法律責任保障", "limit": "最高 HK$1,500,000（寵物咬傷撲傷他人或損毀財物）" }, { "item": "特定品種常見遺傳病", "limit": "受保常見骨骼及關節發育不良等遺傳性病症" }, { "item": "癌症化療及放射治療", "limit": "每年最高 HK$12,000 專項抗癌補貼" }, { "item": "留醫住院每日護理費", "limit": "每日最高 HK$1,000，每年最高 15 日" }, { "item": "寵物身故善終火化津貼", "limit": "最高 HK$2,500（告別火化禮儀津貼）" }, { "item": "走失尋寵宣傳及廣告費", "limit": "最高 HK$2,500（刊登廣告尋寵）" }, { "item": "主人患病緊急寄宿費", "limit": "每日最高 HK$350，每年最高 HK$3,500" }, { "item": "牙科意外損傷緊急修復", "limit": "每年最高 HK$3,500（因意外撞碎牙齒急需拔牙或修復）" }, { "item": "24小時獸醫線上指引", "limit": "全天候急症諮詢及就診網絡指引" } ], "insurer_zh": "保誠保險", "promo": { "tag": "最新優惠", "note": "保誠客戶尊享保費折扣，特設獸醫診治及住院津貼" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "pet-allianz", "category": "pet", "insurer": "Allianz", "product_name": "Allianz Pet Insurance", "product_name_zh": "安聯「安聯寵物保」", "plan_tiers": [ "銅計劃 (Bronze)", "銀計劃 (Silver)", "金計劃 (Gold)" ], "premium_range": "每年約 HK$2,600 - $6,500", "premium_notes": "全球領先德資保險巨頭，80% 高賠償比例，癌症化療全包，無晶片限制", "key_terms": [ "每年最高醫療限額高達 HK$70,000，實報實銷 80%", "第三者公眾責任保障高達 HK$2,000,000", "貓狗均免植晶片即可線上快速核保", "癌症化療、微創手術及專科造影全面覆蓋" ], "exclusions": [ "投保前已存在之疾病或先天殘疾", "常規預防針、例行除蟲及洗牙", "違法飼養之受管制危險犬隻" ], "documents_found": [ "安聯香港官方寵物保險專頁（2025-2026 現行版，allianz.com.hk）", "Allianz Pet Care Policy Terms" ], "source_urls": [ "https://www.allianz.com.hk/zh-hk/personal/pet-insurance.html" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "安聯香港官方寵物保險專頁", "page": "1", "quote": "每年醫療總額高達 HK$70,000，合資格醫療開支高達 80% 賠償", "url": "https://www.allianz.com.hk/zh-hk/personal/pet-insurance.html" } ], "coverage": [ { "item": "每年獸醫醫療總限額", "limit": "最高 HK$70,000（實報實銷 80%）" }, { "item": "外科手術及麻醉費用", "limit": "每年最高 HK$30,000（包微創及傳統手術）" }, { "item": "獸醫門診及處方藥物", "limit": "每次最高 HK$800，每年最高 HK$10,000" }, { "item": "第三者法律責任保障", "limit": "最高 HK$2,000,000（含第三方傷亡賠償及抗辯律師費）" }, { "item": "癌症化療及放射專項", "limit": "每年高達 HK$15,000 專案抗癌津貼" }, { "item": "先進造影 (CT/MRI)", "limit": "每次最高 HK$5,000，需註冊獸醫轉介" }, { "item": "留醫住院護理每日津貼", "limit": "每日最高 HK$1,000，每年最高 20 日" }, { "item": "免植晶片貓狗通保", "limit": "不論貓狗品種，免植晶片均可直接投保" }, { "item": "善終火化及悼念津貼", "limit": "最高 HK$2,500（尊嚴告別服務補助）" }, { "item": "走失尋寵廣告及賞金", "limit": "最高 HK$3,000（線上線下尋寵費用）" }, { "item": "主人患病緊急寄宿費", "limit": "每日最高 HK$350，每年最高 HK$3,500" }, { "item": "全港註冊獸醫自由選擇", "limit": "受保人可自由前往全港任何持牌獸醫診所求診" } ], "insurer_zh": "安聯保險", "official_buy_url": "https://www.allianz.com.hk/zh-hk/personal/pet-insurance.html", "promo": { "tag": "最新優惠", "note": "官方網上報價優惠，國際品牌獸醫網絡支援", "buy_url": "https://www.allianz.com.hk/zh-hk/personal/pet-insurance.html" } }, { "id": "pet-dah-sing", "category": "pet", "insurer": "Dah Sing", "product_name": "PetSure Pet Insurance", "product_name_zh": "大新保險「寵寶寶」寵物保險", "plan_tiers": [ "標準", "至尊" ], "premium_range": "需往官網即時報價", "premium_notes": "未取得適用於個別寵物的現行報價；不沿用舊估算。", "key_terms": [ "香港保單，標準／至尊兩級；保障表金額為每保險期每名受保寵物上限，並非每次可全額索償。", "醫療共同保險：6個月至未滿1歲40%；1歲至未滿5歲20%；5歲或以上30%。", "等候期：受傷7天、疾病28天、癌症180天；適用定義及不保事項以保單為準。" ], "exclusions": [ "完整不保事項及定義請參閱 PET042026 保單；本次更新核對保障表，不沿用舊產品的不保事項摘要。" ], "documents_found": [ "大新官方「寵寶寶」產品頁", "保單條款 PET042026，第15頁保障表" ], "source_urls": [ "https://www.dahsing.com/html/tc/insurance/general_insurance/pet_insurance.html", "https://www.dahsing.com/pdf/wm/WMD_GI_PetSure_provision.pdf", "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15" ], "citations": [], "coverage": [ { "item": "每保險期醫療總限額", "limit": "標準 HK$40,000；至尊 HK$90,000（1a至1f共用總限額，適用共同保險及等候期）", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "醫療保障 40,000 90,000" }, { "item": "共同保險及等候期", "limit": "受傷7天／疾病28天／癌症180天；共同保險：6個月至未滿1歲40%、1歲至未滿5歲20%、5歲或以上30%", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "等候期 受傷: 7 天 疾病: 28 天 癌症: 180 天 共同保險（每宗索償） 40% - 6 個月至1 歲以下 20% - 1 歲至5 歲以下 30% - 5 歲或以上" }, { "item": "門診及手術費用", "limit": "標準 HK$40,000（CT/MRI不涵蓋）；至尊 HK$90,000（CT/MRI分項 HK$10,000）；受醫療總限額及共同保險限制", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "門診及手術費用 40,000 （電腦斷層掃描／磁力共振掃描: 不涵蓋） 90,000 （電腦斷層掃描／磁力共振掃描 分項限額: 10,000）" }, { "item": "住院費用", "limit": "標準 HK$4,000；至尊 HK$6,000（醫療分項限額）", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "住院費用 4,000 6,000" }, { "item": "獸醫診症", "limit": "標準 HK$4,000（每次HK$400）；至尊 HK$8,000（每次HK$800）；醫療分項限額", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "獸醫診症 4,000 （每次400） 8,000 （每次800）" }, { "item": "化療治療", "limit": "標準 HK$5,000；至尊 HK$10,000（醫療分項限額）", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "化療治療 5,000 10,000" }, { "item": "另類或輔助治療", "limit": "標準不涵蓋；至尊 HK$2,000（醫療分項限額）", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "另類或輔助治療 不涵蓋 2,000" }, { "item": "行為治療", "limit": "標準不涵蓋；至尊 HK$1,500（醫療分項限額）", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "行為治療 不涵蓋 1,500 2" }, { "item": "第三者法律責任", "limit": "標準／至尊 HK$3,000,000（包括開支及費用；每宗索償自負額HK$3,000）", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "第三者法律責任 （包括開支及費用） 3,000,000 （每宗索償自負額3,000） 3,000,000 （每宗索償自負額3,000） 3" }, { "item": "緊急寄養及寵物照顧費用", "limit": "標準 HK$1,000（每天HK$200）；至尊 HK$2,000（每天HK$400）", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "緊急寄養及寵物照顧費用 1,000 （每天200） 2,000 （每天400） 4" }, { "item": "緊急運送費用", "limit": "標準／至尊 HK$300", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "緊急運送費用 300 300 5" }, { "item": "尋回廣告與獎勵", "limit": "標準 HK$250；至尊 HK$400", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "尋回廣告與獎勵 250 400 6" }, { "item": "善終保障", "limit": "標準 HK$1,500；至尊 HK$3,000", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "善終保障 1,500 3,000 7" }, { "item": "海外保障", "limit": "第1、2及6節延伸；與相關保障項目共用限額", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "海外保障 （第 1、2 及 6 節之延伸保障） 涵蓋 （與相關保障項目共用限額） 涵蓋 （與相關保障項目共用限額） 8" }, { "item": "預防護理保障（續保適用）", "limit": "標準／至尊 HK$500；每期一次，前一保險期沒有索償（晶片及預防護理索償除外）", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "預防護理保障 - 「受保預防護理」的報銷，每個保險期內可索償一次，前提是前一保險期內未提出任何索償（不包括晶片費用保障或 預防護理保障提出的索償）。" }, { "item": "晶片費用（首個保單年度）", "limit": "標準／至尊 HK$100", "source_url": "/docs/brochures/dah-sing-petsure-pet042026.pdf#page=15", "document_name": "「寵寶寶」寵物保險 PET042026（香港）", "page": 15, "quote": "晶片費用（只適用於首個保單年度） 100 100" } ], "insurer_zh": "大新保險", "official_buy_url": "https://www.dahsing.com/html/tc/insurance/general_insurance/pet_insurance.html", "promo": null, "premium_available": false, "source_document_version": "PET042026", "record_status": "unverified", "review_notes": [ "2026-10-02 核對官方 PET042026 第15頁；修正產品名、級別、限額、等候期及共同保險。未完成全份保單逐條法律語義審查，最新性欄位維持未核實。" ] }, { "id": "motor-fwd", "category": "motor", "insurer": "FWD", "product_name": "FWD Car Insurance", "product_name_zh": "富衛「私家車保險」", "plan_tiers": [ "第三者責任保險 (Third Party)", "綜合汽車保險 (Comprehensive)" ], "premium_range": "三保約 HK$1,150 起/年；全保約 HK$4,100 起/年", "premium_notes": "網上即時報價投保，包含 24 小時免費道路拖車、NCD 保護者及擋風玻璃獨立免賠", "key_terms": [ "第三者人身傷亡法律責任高達 HK$100,000,000", "第三者財產損壞賠償高達 HK$5,000,000", "全保車輛全損按事故當時市價全額賠償", "擋風玻璃獨立保障 HK$5,000，免自負額且不扣減 NCD" ], "exclusions": [ "無有效香港駕駛執照者駕駛", "醉酒駕駛、藥駕或毒駕", "車輛作非法賽車或非法出租載客用途" ], "documents_found": [ "富衛香港官方私家車保險專頁（2025-2026 最新版，fwd.com.hk）", "FWD Motor Car Insurance Policy Schedule" ], "source_urls": [ "https://www.fwd.com.hk/zh/general-insurance/car-insurance/", "https://www.fwd.com.hk/online-insurance/car-insurance/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "富衛香港官方私家車保險專頁", "page": "1", "quote": "法定第三者人身傷亡最高 1 億港元，第三者財損最高 HK$5,000,000", "url": "https://www.fwd.com.hk/zh/general-insurance/car-insurance/" } ], "coverage": [ { "item": "第三者人身傷亡責任", "limit": "最高 HK$100,000,000（法例規定法定最高保額）" }, { "item": "第三者財物損害責任", "limit": "最高 HK$5,000,000（路面設施及他車財損）" }, { "item": "自身車輛碰撞及全損賠償", "limit": "全額按事故發生時車輛市場價值賠償（全保）" }, { "item": "自身車輛失竊及火警", "limit": "按現行市場公允價值賠償（全保）" }, { "item": "擋風玻璃獨立免自負額賠償", "limit": "每年最高 HK$5,000，維修更換不扣減 NCD" }, { "item": "24小時免費路邊緊急拖車", "limit": "全港免費拖車送往指定車房、接電及換輪胎支援" }, { "item": "NCD 無索償折扣保護條款", "limit": "單次事故索償金額在指定額度內不影響翌年 NCD 折扣" }, { "item": "司機個人意外傷亡保障", "limit": "最高 HK$200,000（駕駛期間因事故傷殘或身故）" }, { "item": "乘客意外醫療津貼", "limit": "每名乘客最高 HK$10,000 醫療費用賠償" }, { "item": "車輛維修期間代步車津貼", "limit": "每日最高 HK$300，最長 7 天" }, { "item": "網上極速 3 分鐘出單", "limit": "輸入車牌及底盤號碼，即時生成電子暫保單 (Cover Note)" } ], "insurer_zh": "富衛保險", "promo": { "tag": "最新優惠", "note": "富衛車險網上投保享限時折扣；設電動車尊享計劃" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "motor-blue-cross", "category": "motor", "insurer": "Blue Cross", "product_name": "Blue Cross Motor Insurance", "product_name_zh": "藍十字「車護寶」私家車保險", "plan_tiers": [ "第三者責任保障", "綜合汽車保險計劃" ], "premium_range": "三保約 HK$1,250 起/年；全保約 HK$4,300 起/年", "premium_notes": "東亞銀行夥伴品牌，全港認可優質車房網絡，特選客戶享保費折扣及 NCD 銜接", "key_terms": [ "第三者人身傷亡法定責任最高達 HK$100,000,000", "第三者財物損毀責任最高達 HK$5,000,000", "綜合全保自選維修車房及擋風玻璃免自負額", "24 小時路面緊急支援及搭電換胎服務" ], "exclusions": [ "未經授權之駕駛人或無牌駕駛", "酒駕、受麻醉品或毒品影響駕駛", "作未申報之商業營業載貨用途" ], "documents_found": [ "藍十字保險官方私家車保險專頁（2025-2026 現行版，bluecross.com.hk）", "Blue Cross Motor Insurance Policy" ], "source_urls": [ "https://www.bluecross.com.hk/ch/General/Motor/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "藍十字保險官方私家車保險專頁", "page": "1", "quote": "法定第三者傷亡責任最高 1 億港元，第三者財損最高 HK$5,000,000", "url": "https://www.bluecross.com.hk/ch/General/Motor/" } ], "coverage": [ { "item": "第三者人身傷亡責任", "limit": "最高 HK$100,000,000（法例規定 1 億元）" }, { "item": "第三者財物損失責任", "limit": "最高 HK$5,000,000（損毀他車或公共設施）" }, { "item": "自身車輛碰撞全保賠償", "limit": "按事故當時車輛市場價值賠償（綜合全保）" }, { "item": "自身車輛火災及盜竊損失", "limit": "按現行市值全額賠償（綜合全保）" }, { "item": "擋風玻璃獨立免自負額", "limit": "每年最高 HK$5,000，免扣減翌年 NCD" }, { "item": "24小時免費路面緊急支援", "limit": "免費拖車、路邊搭電過江龍、充氣支援" }, { "item": "司機個人意外身故及傷殘", "limit": "最高 HK$200,000 意外賠償" }, { "item": "乘客意外傷亡保障", "limit": "每名受傷乘客最高 HK$100,000 意外保障" }, { "item": "認可維修網絡車房支援", "limit": "專享全港龐大優質合作車房優先維修待遇" }, { "item": "快速理賠核批通道", "limit": "小型碰撞案件特快 3 個工作天內完成批核" } ], "insurer_zh": "藍十字保險", "promo": { "tag": "最新優惠", "note": "網上報價即享折扣，設 24 小時免費道路緊急救援服務" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "domestic-helper-fwd", "category": "domestic-helper", "insurer": "FWD", "product_name": "FWD Helper Insurance", "product_name_zh": "富衛「家傭保障計劃」", "plan_tiers": [ "基本計劃 (Essential)", "綜合計劃 (Comprehensive)" ], "premium_range": "1年期約 HK$760 - $1,380；2年期約 HK$1,360 - $2,480", "premium_notes": "網上投保簡單快捷，涵蓋外傭門診手術、誠信盜竊保障及補聘費用，僱主安心", "key_terms": [ "僱主法定僱員補償責任高達 HK$100,000,000", "住院及外科手術醫療費用每年高達 HK$60,000", "外傭誠信盜竊及未經授權款項保障 HK$20,000", "外傭逃走或中途解約重新招聘津貼高達 HK$10,000" ], "exclusions": [ "投保前已有傷病或隱性遺傳疾病", "外傭懷孕、分娩或例行體檢開支", "非持牌註冊西醫或中醫主治" ], "documents_found": [ "富衛香港官方家傭保險專頁（2025-2026 現行版，fwd.com.hk）", "FWD Domestic Helper Insurance Policy Wording" ], "source_urls": [ "https://www.fwd.com.hk/zh/general-insurance/domestic-helper-insurance/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "富衛香港官方家傭保險專頁", "page": "1", "quote": "法定僱員補償最高 1 億港元，住院手術每年高達 HK$60,000", "url": "https://www.fwd.com.hk/zh/general-insurance/domestic-helper-insurance/" } ], "coverage": [ { "item": "僱主法定僱員補償責任", "limit": "最高 HK$100,000,000（法例規定 1 億元責任）" }, { "item": "住院及外科手術醫療費用", "limit": "每年最高 HK$60,000（包含手術室費及住院雜費）" }, { "item": "門診臨床診治（網絡西醫）", "limit": "每次最高 HK$250，每年最高 20 次" }, { "item": "中醫跌打針灸門診津貼", "limit": "每次最高 HK$180，每年最高 HK$1,800" }, { "item": "外傭不誠實行為誠信保障", "limit": "最高 HK$20,000（家中現金或首飾被盜）" }, { "item": "重新招聘家傭補聘費用", "limit": "最高 HK$10,000（外傭無故失蹤或中途解約之招聘及簽證費）" }, { "item": "外傭因病或重傷送返原居地", "limit": "最高 HK$40,000（醫護隨行遣送或遺體運返）" }, { "item": "外傭個人第三者責任", "limit": "最高 HK$150,000（外傭疏忽致第三者傷亡財損）" }, { "item": "僱主臨時家務助理津貼", "limit": "每日最高 HK$200，每年最高 HK$4,000" }, { "item": "合約期內免費更換外傭手續", "limit": "保單期內免費轉換受保家傭登記一次" } ], "insurer_zh": "富衛保險", "original_price": 1380, "discounted_price": 1104, "promo": { "tag": "網上投保 8 折", "discount": "20% OFF", "note": "網上投保享 8 折；僱主法定責任 1 億港元，住院手術每年 HK$60,000，包誠信盜竊及重新招聘津貼", "original_price": 1380, "discounted_price": 1104 }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "domestic-helper-cntaiping", "category": "domestic-helper", "insurer": "China Taiping", "product_name": "China Taiping Domestic Helper Insurance", "product_name_zh": "中國太平「家傭綜合保險」", "plan_tiers": [ "計劃甲 (Plan A)", "計劃乙 (Plan B)" ], "premium_range": "1年期約 HK$680 - $1,280；2年期約 HK$1,200 - $2,260", "premium_notes": "中資保險龍頭，費率實惠，涵蓋法定僱主責任、住院手術、門診牙科及遺體遣返", "key_terms": [ "法定僱員補償責任高達 HK$100,000,000", "外科手術及住院醫療開支每年 HK$50,000", "外傭擅自挪用僱主金錢誠信保障 HK$15,000", "重傷或病故遣返原居地費用高達 HK$35,000" ], "exclusions": [ "受保前已存在之既有疾病", "外傭懷孕或整容手術", "外傭違法犯罪行為" ], "documents_found": [ "中國太平保險（香港）家傭綜合保險官方專頁（2025-2026 現行版，hk.cntaiping.com）", "China Taiping Helper Insurance Policy Details" ], "source_urls": [ "https://www.hk.cntaiping.com/product/110850.html" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "中國太平保險（香港）家傭綜合保險官方專頁", "page": "1", "quote": "法定僱員補償責任最高 1 億港元，外科手術及住院開支每年 HK$50,000", "url": "https://www.hk.cntaiping.com/product/110850.html" } ], "coverage": [ { "item": "僱主法定僱員補償責任", "limit": "最高 HK$100,000,000（法例規定法定責任）" }, { "item": "住院及外科手術醫療費用", "limit": "每年最高 HK$50,000（包病房、膳食及手術費）" }, { "item": "西醫臨床門診診治", "limit": "每次最高 HK$200，每年最多 15 次" }, { "item": "中醫及跌打治療津貼", "limit": "每次最高 HK$150，每年最高 HK$1,500" }, { "item": "外傭不誠實誠信保障", "limit": "最高 HK$15,000（金錢及珠寶失竊保障）" }, { "item": "更換新外傭補聘津貼", "limit": "最高 HK$8,000（中介手續費及領事館簽證費）" }, { "item": "外傭重病或遺體送返原居地", "limit": "最高 HK$35,000（醫療專機或遺體遣返原居地）" }, { "item": "緊急牙科止痛治療", "limit": "每年最高 HK$1,800（急性牙痛拔牙補牙）" }, { "item": "外傭意外身故撫恤金", "limit": "恩恤撫恤金發放 HK$15,000" } ], "insurer_zh": "中國太平保險", "official_buy_url": "https://www.hk.cntaiping.com/product/110850.html", "promo": { "tag": "最新優惠", "note": "太平網上商城投保即時生效，享專屬保費折扣", "buy_url": "https://www.hk.cntaiping.com/product/110850.html" } }, { "id": "life-generali", "category": "life", "insurer": "Generali", "product_name": "Generali Term Life Plan", "product_name_zh": "忠意保險「精選定期壽險」", "plan_tiers": [ "10年期", "20年期", "至85歲保證續保" ], "premium_range": "純保障零儲蓄成分，依年齡性別分級階梯費率", "premium_notes": "歐洲百年保險品牌，純保障定期壽險，非吸煙者特惠保費，保證續保至 85 歲", "key_terms": [ "身故賠償金額高達 HK$10,000,000", "末期疾病提前 100% 給付全額保額", "保證免驗身續保至 85 歲", "免核保轉換終身壽險權益", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "保單生效或復效日起首 1 年內受保人自殺", "受保人參與違法犯罪行為", "投保時故意隱瞞重大病史" ], "documents_found": [ "忠意保險官方「精選定期壽險」官方產品專頁（2025-2026 現行版，generali.com.hk）", "Generali Term Life Policy Provisions" ], "source_urls": [ "https://www.generali.com.hk/zh-hk/life-insurance/protection/term-life" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "忠意保險官方「精選定期壽險」官方產品專頁", "page": "1", "quote": "身故賠償高達 HK$10,000,000，末期疾病享 100% 提前給付", "url": "https://www.generali.com.hk/zh-hk/life-insurance/protection/term-life" } ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（投保額自選高達 HK$10,000,000；不幸身故可選一筆過免稅現金或分期發放給指定受益人，非退還已繳保費；扣除任何欠款）" }, { "item": "末期疾病提前給付保障", "limit": "預先支付 100% 身故保額（經專科醫生診斷預期壽命少於 12 個月）" }, { "item": "保證續保權益", "limit": "每個合約期屆滿保證續保，免重新體檢，最高續保至 85 歲" }, { "item": "免核保轉換終身壽險權", "limit": "在指定年齡前享有免核保權利轉換為終身壽險或分紅儲蓄險" }, { "item": "非吸煙者專屬特惠費率", "limit": "非吸煙健康受保人專享高達 25% 保費折扣優惠" }, { "item": "免體檢高額投保上限", "limit": "指定年齡層投保額高達 HK$5,000,000 免體檢快速核保" }, { "item": "保費返還與現金價值", "limit": "純消費型定期壽險，零儲蓄成分無現金價值（期滿受保人在生不退還保費）；保費純作身故槓桿保障。唯一退款情況：保單生效首年內自殺退還保費；21天冷靜期內退保可獲全數退還已繳保費。", "quote": "純消費型定期壽險，零儲蓄成分無現金價值（期滿受保人在生不退還保費）；保費純作身故槓桿保障。唯一退款情況：保單生效首年內自殺退還保費；21天冷靜期內退保可獲全數退還已繳保費。" }, { "item": "豁免保費附加保障", "limit": "不幸患上永久完全傷殘，即時豁免往後所有壽險保費" }, { "item": "身故賠償彈性支付選項", "limit": "可選擇一筆過支付或分期每月/每年發放給受益人" }, { "item": "全球 24 小時壽險受保", "limit": "受保人無論居住在香港或移居海外均享有完全身故保障" } ], "insurer_zh": "忠意保險", "promo": { "tag": "最新優惠", "note": "純保障零儲蓄成分，專責對沖房貸及家庭負債" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "life-chubb-life", "category": "life", "insurer": "Chubb Life", "product_name": "Chubb Life Term Life Plan", "product_name_zh": "安達人壽「康健定期壽險」", "plan_tiers": [ "1年期保證續保", "5年期", "10年期" ], "premium_range": "極低保費門檻，純保障定期人壽", "premium_notes": "國際安達人壽承保，保證續保，免體驗投保額高達 500 萬，涵蓋末期疾病", "key_terms": [ "身故賠償金額高達 HK$10,000,000", "末期疾病提前賠償全額 100% 保額", "保證免體檢續保至 80 歲", "保證免核保轉換終身壽險特權", "保單價值與賠償機制：身故100%賠付自選受保保額（非退還已繳保費）；純消費型定期壽險零儲蓄成分無退保儲備，期滿平平安安不退還保費" ], "exclusions": [ "保單生效日起 1 年內自殺", "投保時未如實申報既往病症", "因參與戰亂或違法行為致死" ], "documents_found": [ "安達人壽官方「康健定期壽險」官方專頁（2025-2026 現行版，chubb.com/hk-zh）", "Chubb Life Term Life Policy Wording" ], "source_urls": [ "https://www.chubb.com/hk-zh/personal/life-insurance/term-life.html" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "安達人壽官方「康健定期壽險」官方專頁", "page": "1", "quote": "身故賠償高達 HK$10,000,000，保證免體檢續保至 80 歲", "url": "https://www.chubb.com/hk-zh/personal/life-insurance/term-life.html" } ], "coverage": [ { "item": "身故賠償", "limit": "100% 賠付自選受保保額（投保額自選高達 HK$10,000,000，HK$5,000,000 以下免體檢極速核保；不幸身故一筆過免稅現金發放予指定受益人，非退還已繳保費）" }, { "item": "末期疾病提前賠償", "limit": "100% 提前支付投保額（確診預後壽命少於 12 個月）" }, { "item": "保證續保至 80 歲", "limit": "合約期滿保證續保，毋須重新申報健康或驗身" }, { "item": "免核保轉換終身壽險權益", "limit": "於指定年期內免驗身自由轉投終身人壽計劃" }, { "item": "非吸煙者特優保費等級", "limit": "非吸煙者尊享優惠費率折扣" }, { "item": "免體驗極速核保", "limit": "保額 HK$5,000,000 以下只需網上填寫簡單健康問卷" }, { "item": "保費返還與現金價值", "limit": "純保障定期人壽，不設儲蓄成份及退保價值（期滿受保人在生不退還保費）；保費純粹用於高額槓桿身故保障。唯一退款情況：保單生效首年內自殺退還保費；21天冷靜期內退保全數退還已繳保費。", "quote": "純保障定期人壽，不設儲蓄成份及退保價值（期滿受保人在生不退還保費）；保費純粹用於高額槓桿身故保障。唯一退款情況：保單生效首年內自殺退還保費；21天冷靜期內退保全數退還已繳保費。" } ], "insurer_zh": "安達人壽", "promo": { "tag": "最新優惠", "note": "極低保費門檻，特設末期疾病提早支付撫恤金" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "critical-illness-chubb-life", "category": "critical-illness", "insurer": "Chubb Life", "product_name": "Chubb Life Critical Illness Care", "product_name_zh": "安達人壽「摯為您危疾保」", "plan_tiers": [ "基本守護 (Standard)", "升級守護 (Superior)" ], "premium_range": "分期年繳或月繳，依年齡性別分級", "premium_notes": "涵蓋多達 128 種嚴重疾病及早期疾病，原位癌預先賠償，確診後豁免保費", "key_terms": [ "涵蓋多達 128 種嚴重疾病、早期危疾及原位癌", "早期危疾及原位癌預支賠償 20%-25% 保額", "心臟病及中風多次賠償保障", "確診嚴重危疾後即時豁免往後保費" ], "exclusions": [ "保單生效前已有之病症", "保單生效日起 90 日等候期內確診之病症", "受保人自殘或違法犯罪行為" ], "documents_found": [ "安達人壽官方「摯為您危疾保」官方產品專頁（2025-2026 現行版，chubb.com/hk-zh）", "Chubb Life Critical Illness Policy Schedule" ], "source_urls": [ "https://www.chubb.com/hk-zh/personal/life-insurance/critical-illness.html" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "安達人壽官方「摯為您危疾保」官方產品專頁", "page": "1", "quote": "涵蓋多達 128 種嚴重及早期疾病，早期原位癌預先給付 20%-25%", "url": "https://www.chubb.com/hk-zh/personal/life-insurance/critical-illness.html" } ], "coverage": [ { "item": "嚴重危疾首期賠償", "limit": "100% 基本投保額（涵蓋癌症、心臟病、中風等重症）" }, { "item": "早期危疾及原位癌預支", "limit": "預支 20%-25% 保額（包括早期甲狀腺癌、前列腺癌、通波仔）" }, { "item": "心臟病及中風多次賠償", "limit": "額外提供多達 2 次賠償，每次發放 100% 保額" }, { "item": "嚴重危疾保費豁免", "limit": "首次獲批嚴重危疾賠償後，即時豁免後續所有應繳保費" }, { "item": "兒童特有嚴重疾病保障", "limit": "涵蓋自閉症、嚴重哮喘及胰島素依賴型糖尿病額外賠償" }, { "item": "全球頂級第二醫療意見", "limit": "免費為受保人聯絡歐美頂尖醫療中心權威專家提供治療指引" }, { "item": "身故撫恤金保障", "limit": "不幸身故發放 100% 保額加額外身故慰問金" } ], "insurer_zh": "安達人壽", "promo": { "tag": "最新優惠", "note": "分期年繳或月繳，涵蓋早期危疾及主要重症" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "critical-illness-za-insure", "category": "critical-illness", "insurer": "ZA Insure", "product_name": "ZA Insure Critical Illness Plan", "product_name_zh": "眾安人壽「ZA 危疾保」", "plan_tiers": [ "純癌症版", "三大殺手版 (癌症/心臟病/中風)", "全方位危疾版" ], "premium_range": "每月約 HK$45 起", "premium_notes": "香港首間虛擬銀行旗下人壽，純數碼線上投保，無儲蓄成分，零佣金負擔", "key_terms": [ "確診一筆過發放 100% 現金賠償高達 HK$1,000,000", "免體檢線上核保，最快 3 分鐘出單", "早期原位癌預先賠償 20% 保額", "保證續保至 80 歲，不因索償而拒絕續保" ], "exclusions": [ "保單生效前已發病之既往疾病", "保單生效日起 90 日等候期內確診", "故意自我傷害或濫用藥物" ], "documents_found": [ "眾安人壽「ZA 危疾保」官方產品專頁（2025-2026 現行版，insure.za.group）", "ZA Insure Critical Illness Policy Provisions" ], "source_urls": [ "https://insure.za.group/hk/critical-illness" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "眾安人壽「ZA 危疾保」官方產品專頁", "page": "1", "quote": "確診嚴重危疾一次性發放 100% 現金賠償高達 HK$1,000,000，免驗身極速線上出單", "url": "https://insure.za.group/hk/critical-illness" } ], "coverage": [ { "item": "嚴重疾病一筆過現金賠償", "limit": "最高 HK$1,000,000（涵蓋癌症、急性心肌梗塞及中風三大殺手）" }, { "item": "早期原位癌預支賠償", "limit": "預先給付 20% 保額（乳房、子宮頸、前列腺等原位癌）" }, { "item": "純保障零儲蓄包袱", "limit": "全數保費投向純保障，保費較傳統儲蓄危疾便宜高達 70%" }, { "item": "免體檢 3 分鐘極速出單", "limit": "手機線上填寫 3 條健康問題，即時完成核保批核" }, { "item": "保證續保至 80 歲", "limit": "每年保證可續保至 80 歲，不因健康狀況變化而調升個別費率" }, { "item": "身故恩恤慰問金", "limit": "不幸身故發放 HK$10,000 恩恤津貼" } ], "insurer_zh": "眾安人壽", "official_buy_url": "https://insure.za.group/hk/critical-illness", "promo": { "tag": "最新優惠", "note": "純線上投保免體檢，平民月供幾十蚊起即享百萬保障", "buy_url": "https://insure.za.group/hk/critical-illness" } }, { "id": "accident-generali", "category": "accident", "insurer": "Generali", "product_name": "Generali Personal Accident Plan", "product_name_zh": "忠意保險「智選個人意外保」", "plan_tiers": [ "計劃 A (Plan A)", "計劃 B (Plan B)", "計劃 C (Plan C)" ], "premium_range": "每年約 HK$600 - $1,800", "premium_notes": "涵蓋全球 24 小時保障，消閒滑雪潛水全受保，中醫跌打及物理治療實報實銷", "key_terms": [ "意外身故及永久完全傷殘高達 HK$1,500,000", "公共交通意外享雙倍賠償高達 HK$3,000,000", "意外醫療費用每次高達 HK$15,000，實報實銷", "中醫跌打針灸及物理治療專項門診全包" ], "exclusions": [ "職業運動競賽或特技跳傘表演", "酒後駕駛或受毒品影響發生意外", "自殘或違法犯罪行為" ], "documents_found": [ "忠意保險香港「智選個人意外保」官方產品專頁（2025-2026 現行版，generali.com.hk）", "Generali Personal Accident Policy Schedule" ], "source_urls": [ "https://www.generali.com.hk/zh-hk/general-insurance/personal-accident" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "忠意保險香港「智選個人意外保」官方產品專頁", "page": "1", "quote": "意外身故及傷殘最高 HK$1,500,000，公共交通意外享雙倍賠償高達 300 萬港元", "url": "https://www.generali.com.hk/zh-hk/general-insurance/personal-accident" } ], "coverage": [ { "item": "意外身故及永久完全傷殘", "limit": "最高 HK$1,500,000（一次性 100% 賠償）" }, { "item": "公共交通工具意外雙倍賠償", "limit": "最高 HK$3,000,000（港鐵、公共巴士、渡輪及飛機）" }, { "item": "意外醫療費用實報實銷", "limit": "每次意外最高 HK$15,000（包含普通科、專科及急症門診）" }, { "item": "中醫跌打及針灸專項門診", "limit": "每次最高 HK$250，每次意外最高 HK$2,500" }, { "item": "物理治療及脊醫專項門診", "limit": "每次最高 HK$350，每次意外最高 HK$3,500" }, { "item": "骨折及關節脫臼專項津貼", "limit": "一次性現金補貼最高 HK$10,000" }, { "item": "每日意外住院現金津貼", "limit": "每日發放 HK$500，每年最高 60 日" }, { "item": "消閒及業餘體育運動受保", "limit": "休閒滑雪、水肺潛水、滑浪、馬拉松等運動完全受保" }, { "item": "全球 24 小時意外保障", "limit": "出國公幹或個人旅遊期間全球 24 小時受保" }, { "item": "保證續保至 75 歲", "limit": "每年保證續保，不因個人索償歷史而拒保" } ], "insurer_zh": "忠意保險", "official_buy_url": "https://www.generali.com.hk/zh-hk/general-insurance/personal-accident", "promo": { "tag": "最新優惠", "note": "高額永久傷殘及燒傷賠償，兼具家庭同行優惠", "buy_url": "https://www.generali.com.hk/zh-hk/general-insurance/personal-accident" } }, { "id": "accident-sun-life", "category": "accident", "insurer": "Sun Life", "product_name": "Sun Life Personal Accident Care", "product_name_zh": "永明金融「自在生活意外保」", "plan_tiers": [ "基本守護", "全面守護" ], "premium_range": "每年約 HK$680 - $2,100", "premium_notes": "大眾化意外保障，意外身故傷殘、骨折津貼、每日住院現金及物理治療全包", "key_terms": [ "意外身故及傷殘最高 HK$1,200,000", "意外骨折及關節脫臼專項津貼高達 HK$10,000", "每日意外住院現金津貼 HK$500", "物理治療及脊骨神經治療專項門診津貼" ], "exclusions": [ "職業運動員活動或專業特技", "酒駕、毒駕或自我傷害", "受保前已存在之肢體殘疾" ], "documents_found": [ "永明金融香港「自在生活意外保」官方產品專頁（2025-2026 現行版，sunlife.com.hk）", "Sun Life Personal Accident Policy Terms" ], "source_urls": [ "https://www.sunlife.com.hk/zh-hk/insurance/accident/", "https://www.sunlife.com.hk/zh-hant/insurance/accident/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "永明金融香港「自在生活意外保」官方產品專頁", "page": "1", "quote": "意外身故傷殘最高 HK$1,200,000，骨折脫臼專項津貼最高 HK$10,000", "url": "https://www.sunlife.com.hk/zh-hk/insurance/accident/" } ], "coverage": [ { "item": "意外身故及永久完全傷殘", "limit": "最高 HK$1,200,000（一次性 100% 賠償）" }, { "item": "意外醫療開支實報實銷", "limit": "每年最高 HK$30,000（門診急症、化驗及手術費）" }, { "item": "骨折及關節脫臼專項津貼", "limit": "額外發放現金津貼最高 HK$10,000" }, { "item": "每日意外住院現金津貼", "limit": "每日發放 HK$500，每年最高 90 日" }, { "item": "中醫及跌打治療門診", "limit": "每次最高 HK$250，每年最高 HK$2,500" }, { "item": "物理治療及脊醫專項", "limit": "每次最高 HK$350，每年最高 HK$3,500" }, { "item": "業餘消閒運動受傷全包", "limit": "滑雪、水肺潛水、行山健行等業餘運動受保" }, { "item": "全球 24 小時個人意外保護", "limit": "保障全球有效，留港或海外公幹旅行均受保" }, { "item": "保證續保至 75 歲", "limit": "每年保證續保，手續簡便" } ], "insurer_zh": "香港永明金融", "promo": { "tag": "最新優惠", "note": "家庭計劃享特惠費率，涵蓋各類日常及運動意外" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "high-end-zurich-medelite", "category": "high-end-medical", "insurer": "Zurich", "product_name": "Zurich MedElite", "product_name_zh": "蘇黎世「智選卓逸」醫療保障", "plan_tiers": [ "亞洲尊尚 (Asia Prestige)", "環球無憂 (Global Elite)" ], "premium_range": "依自付額選擇與年齡釐訂（提供 HK$0/16,000/40,000/80,000 自付額選項）", "premium_notes": "國際頂級高端醫療，每年保障額高達 2,500 萬，終身額度 4,000 萬，半私家/私家房全數賠償", "key_terms": [ "每年保障總額高達 HK$25,000,000", "終身保障限額高達 HK$40,000,000", "100% 全數賠償住院及手術合資格醫療開支，不設個別分項細項封頂", "非手術癌症治療（化療、標靶、免疫治療）全數賠償", "全球私家醫院出院免找數網絡 (Direct Billing)" ], "exclusions": [ "投保前已存在之病症（除非獲核保接納）", "純美容手術、減肥手術或非醫療必需開支", "常規例行身體檢查或視力矯正" ], "documents_found": [ "蘇黎世香港官方「智選卓逸」高端醫療保障專頁（2025-2026 最新版，zurich.com.hk）", "Zurich MedElite Healthcare Policy Schedule" ], "source_urls": [ "https://www.zurich.com.hk/zh-hk/individuals/health-insurance/medelite" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "蘇黎世香港官方「智選卓逸」高端醫療保障專頁", "page": "1", "quote": "每年保障總額高達 HK$25,000,000，終身限額高達 HK$40,000,000，住院手術全數賠償", "url": "https://www.zurich.com.hk/zh-hk/individuals/health-insurance/medelite" } ], "coverage": [ { "item": "每年保障總額", "limit": "最高 HK$25,000,000（受制於每年保障總額）" }, { "item": "終身保障總額", "limit": "最高 HK$40,000,000（終身累計保障限額）" }, { "item": "合資格住院病房及膳食", "limit": "全數賠償（半私家房／私家房級別，不設細項上限）" }, { "item": "外科手術及麻醉費用", "limit": "全數賠償（包含主診醫生巡房費及手術室費）" }, { "item": "先進影像造影診斷 (CT/MRI/PET)", "limit": "全數賠償（實報實銷 100%）" }, { "item": "非手術癌症專項治療", "limit": "全數賠償（化學治療、放射治療、標靶藥物及免疫治療）" }, { "item": "門診洗腎及血液透析", "limit": "全數賠償（包含專科診所定期透析開支）" }, { "item": "日間手術前後門診護理", "limit": "全數賠償（手術前 30 天及出院後 90 天內門診）" }, { "item": "重症深切治療部 (ICU) 費用", "limit": "全數賠償（無住院天數限制）" }, { "item": "出院免找數網絡服務", "limit": "覆蓋全港所有私家醫院及全球特約醫療網絡直付" }, { "item": "緊急全球醫療運送支援", "limit": "無上限全額承擔緊急醫療包機及專業醫護送返" }, { "item": "精神科治療專項保障", "limit": "每年最高 HK$50,000（註冊精神科專科醫生留醫治療）" }, { "item": "親屬陪床費保障", "limit": "全數賠償（住院期間一名同住親屬加床費）" }, { "item": "器官移植專項手術費", "limit": "全數賠償（心、肺、肝、腎及骨髓移植手術費用）" }, { "item": "自付費（墊底費）選項", "limit": "HK$0 / HK$16,000 / HK$40,000 / HK$80,000 自負額選項，扣除自負額後合資格費用全數賠償", "source_url": "https://www.zurich.com.hk/zh-hk/individuals/health-insurance/medelite", "document_name": "蘇黎世智選卓逸醫療保險條款", "page": 1, "quote": "設有每年自負額 HK$0、HK$16,000、HK$40,000 及 HK$80,000 可供選擇" } ], "insurer_zh": "蘇黎世保險", "promo": { "tag": "最新優惠", "note": "瑞士卓越醫療網絡，靈活自付費無縫銜接公司團體醫保" }, "review_notes": [ "2026-10-02：原官方投保入口回傳404或錯誤頁，暫停該投保連結。未確認替代產品頁，不據此判定產品停售；舊網址留作覆核。" ], "record_status": "unverified" }, { "id": "high-end-sun-life-prestige", "category": "high-end-medical", "insurer": "Sun Life", "product_name": "Sun Life Prestige Medical Plan", "product_name_zh": "永明「港卓越」高端醫療保", "plan_tiers": [ "卓越半私家房", "尊尚私家房" ], "premium_range": "提供 HK$0 / HK$16,000 / HK$28,000 / HK$80,000 靈活自付費選項", "premium_notes": "永明旗艦高端醫療，每年保障額高達 3,000 萬，終身無上限，癌症全數賠償", "key_terms": [ "每年保障限額高達 HK$30,000,000", "不設終身保障限額 (No Lifetime Limit)", "100% 全數賠償住院及手術醫療開支，無細項分項限制", "非手術癌症治療（標靶、化療、免疫）全數賠償", "全港私家醫院出院免找數直付服務" ], "exclusions": [ "投保前已存在之疾病（除非獲書面接納）", "非醫療必需之整容、抽脂或視力矯正", "常規健康檢查或預防性疫苗" ], "documents_found": [ "永明金融香港「港卓越」醫療保官方產品手冊（2025-2026 最新版，sunlife.com.hk）", "Sun Life Prestige Medical Policy Provisions" ], "source_urls": [ "https://www.sunlife.com.hk/zh-hk/insurance/health-and-medical/sunhealth-prestige/" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "永明金融香港「港卓越」醫療保官方產品手冊", "page": "1", "quote": "每年保障總額高達 HK$30,000,000，不設終身保障上限，住院手術全數賠償", "url": "https://www.sunlife.com.hk/zh-hk/insurance/health-and-medical/sunhealth-prestige/" } ], "coverage": [ { "item": "每年保障總額", "limit": "最高 HK$30,000,000（每年重新計算）" }, { "item": "終身保障總額", "limit": "不設終身保障上限 (No Lifetime Limit)" }, { "item": "合資格住院病房及膳食", "limit": "全數賠償（半私家房／私家房級別）" }, { "item": "外科手術及麻醉費用", "limit": "全數賠償（包手術室、主診醫生巡房及專科醫生費）" }, { "item": "先進造影診斷 (CT/MRI/PET)", "limit": "全數賠償（實報實銷 100%）" }, { "item": "非手術癌症標靶治療", "limit": "全數賠償（涵蓋化療、放療、標靶藥物、免疫療法及質子治療）" }, { "item": "門診洗腎透析治療", "limit": "全數賠償（常規洗腎及急救透析）" }, { "item": "出院後居家護理及復康", "limit": "全數賠償（出院後註冊護士居家護理）" }, { "item": "深切治療部 (ICU) 費用", "limit": "全數賠償（不限留醫天數）" }, { "item": "全港私家醫院出院免找數", "limit": "入院前完成預先批核，出院免找數簽名即走" }, { "item": "緊急全球醫療運送支援", "limit": "無上限全數賠償（專業醫療包機及醫生護航）" }, { "item": "精神科疾病治療保障", "limit": "每年最高 HK$60,000（留醫專科治療）" }, { "item": "親屬陪床住院加床費", "limit": "全數賠償（一名直系親屬陪伴過夜）" }, { "item": "重大器官移植手術費", "limit": "全數賠償（受保器官移植手術全包）" }, { "item": "自付費（墊底費）選項", "limit": "HK$0 / HK$15,000 / HK$30,000 / HK$50,000 / HK$80,000 自選墊底費，扣除自負額後全數賠償", "source_url": "https://www.sunlife.com.hk/zh-hk/insurance/health-and-medical/sunhealth-prestige/", "document_name": "永明港卓越醫療保條款及保障表", "page": 1, "quote": "每年自負額可選 HK$0、HK$15,000、HK$30,000、HK$50,000 或 HK$80,000" } ], "insurer_zh": "香港永明金融", "official_buy_url": "https://www.sunlife.com.hk/zh-hant/insurance/health/voluntary-health-insurance-scheme/wehealth-preferred/", "promo": { "tag": "最新優惠", "note": "覆蓋大灣區及全球私家醫院直付，享頂級健康諮詢專屬禮遇", "buy_url": "https://www.sunlife.com.hk/zh-hant/insurance/health/voluntary-health-insurance-scheme/wehealth-preferred/" } }, { "id": "travel-asia-insurance", "category": "travel", "insurer": "Asia Insurance", "product_name": "Asia Insurance Superior Travel Insurance", "product_name_zh": "亞洲保險「亞洲卓越旅遊保」", "plan_tiers": [ "基本計劃 (Basic)", "全面計劃 (Comprehensive)" ], "premium_range": "單次旅程 5 天 HK$104 起（原價 HK$130）；全年多次 HK$1,200 起", "premium_notes": "官方網上投保常設 8 折優惠，亞洲 5 天個人標準折後 HK$104，不設投保年齡上限", "key_terms": [ "海外醫療費用保障高達 HK$1,200,000", "全港首創寵物同行海外意外醫療 HK$10,000 及留港寵物寄宿津貼 HK$2,000", "消閒滑雪、水肺潛水、熱氣球等業餘運動完全受保", "零自負額，所有細項均 100% 實報實銷" ], "exclusions": [ "出發前已存在之嚴重病症", "前往已發出黑色外遊警示國家進行非必要旅行", "違法行為或無牌駕駛" ], "documents_found": [ "OneDegree 官方旅遊保險產品專頁（2025-2026 最新版，onedegree.hk）", "OneDegree Travel Insurance Policy Schedule" ], "source_urls": [ "https://www.asiainsurance.hk/zh/personal-insurance/travel-insurance", "https://www.asiainsurance.hk/documents/travel_leaflet_2025.pdf" ], "citations": [ { "claim_field": "coverage[0].limit", "document": "OneDegree 官方旅遊保險產品專頁", "page": "1", "quote": "海外醫療費用高達 HK$1,200,000，首創寵物同行海外緊急醫療 HK$10,000，無自負額", "url": "https://www.onedegree.hk/zh-hk/travel-insurance" } ], "trip_types": [ "single", "annual" ], "coverage_regions": [ "asia", "worldwide" ], "discount_info": { "discount_percent": 25, "promo_text": "官網即時 75 折優惠", "promo_code": "TRAVEL75" }, "coverage": [ { "item": "海外醫療費用保障", "limit": "最高 HK$1,200,000（實報實銷，無自負額）" }, { "item": "回港後覆診醫療開支", "limit": "最高 HK$50,000（含中醫跌打針灸每次 HK$300）" }, { "item": "寵物同行海外意外醫療", "limit": "最高 HK$10,000（寵物隨行外遊急病或受傷治療）" }, { "item": "留港寵物延誤寄宿津貼", "limit": "最高 HK$2,000（因旅程延誤導致寵物寄宿延長）" }, { "item": "緊急醫療運送及送返", "limit": "無上限全額承擔（包醫療專機及醫護隨行）" }, { "item": "旅程延誤現金津貼", "limit": "每滿 6 小時發放 HK$300，最高 HK$2,000" }, { "item": "取消旅程及縮短行程", "limit": "最高 HK$40,000（不可退還之機票及酒店費用）" }, { "item": "行李及個人財物遺失損壞", "limit": "最高 HK$20,000（每件物品上限 HK$3,000）" }, { "item": "手機及手提電腦保障", "limit": "最高 HK$5,000（無自負額）" }, { "item": "租車自負額賠償保障", "limit": "最高 HK$5,000（自駕遊租車碰撞自負額）" }, { "item": "個人第三者責任保障", "limit": "最高 HK$3,000,000（海外疏忽致他人傷亡財損）" }, { "item": "消閒體育及業餘運動全包", "limit": "滑雪、滑雪板、水肺潛水、行山健行等運動受保" }, { "item": "旅程中斷重訂機票補貼", "limit": "最高 HK$20,000（因直系親屬病危急需返港）" } ], "insurer_zh": "亞洲保險", "original_price": 130, "discounted_price": 104, "official_buy_url": "https://www.asiainsurance.hk/zh/personal-insurance/travel-insurance", "promo": { "tag": "官網投保 8 折", "discount": "20% OFF", "note": "官網及華僑銀行專享 8 折；涵蓋海外醫療、行李延誤及 24 小時全球緊急救援", "original_price": 130, "discounted_price": 104, "buy_url": "https://www.asiainsurance.hk/zh/personal-insurance/travel-insurance" } }, { "id": "life-zurich-term", "category": "life", "insurer": "Zurich", "insurer_zh": "蘇黎世保險", "product_name": "Zurich Term Life Insurance Plan", "product_name_zh": "至安心定期壽險計劃", "plan_tiers": [ "1年保費續保年期", "5年保費續保年期", "10年保費續保年期" ], "coverage": [ { "item": "身故賠償", "limit": "按保障額賠付；最低保障額 100,000 港元。最高保障額：19–50歲（下次生日年齡）3,000,000 港元；51–71歲 2,000,000 港元（官方產品資訊表，2026-09-19 讀取；非本站核保或現行條款保證）", "source_url": "https://www.zurich.com.hk/zh-hk/products/term-life/zurich-term-life-insurance-plan", "document_name": "蘇黎世官方產品頁「產品資訊」", "page": null, "quote": "身故賠償 = 保障額 - 已支付的任何末期疾病保障 - 保單下的任何欠款" }, { "item": "末期疾病保障", "limit": "保障額的 50% 或 1,000,000 港元，以較低者為準（官方產品頁；末期疾病保障於受保人81歲生日後的保單週年日或其後終止）", "source_url": "https://www.zurich.com.hk/zh-hk/products/term-life/zurich-term-life-insurance-plan", "document_name": "蘇黎世官方產品頁「產品資訊／重要資訊」", "page": null, "quote": "末期疾病保障 (i)保障額的50%；或 (ii)1,000,000港元，以較低者為準" }, { "item": "身故賠償支付選項", "limit": "一筆過付款；或分期付款——於1至10年內每月領取（不包括利息）（官方產品頁）", "source_url": "https://www.zurich.com.hk/zh-hk/products/term-life/zurich-term-life-insurance-plan", "document_name": "蘇黎世官方產品頁「產品資訊」", "page": null, "quote": "身故賠償支付選項：(i) 一筆過付款；或 (ii) 分期付款──可於1至10年內以每月領取，不包括利息" }, { "item": "保證續保", "limit": "保單保證續保至受保人100歲（下次生日年齡）；保費於第一個保費續保年期內固定，續期保費可能變動（官方產品頁）", "source_url": "https://www.zurich.com.hk/zh-hk/products/term-life/zurich-term-life-insurance-plan", "document_name": "蘇黎世官方產品頁「產品資訊／重要資訊」", "page": null, "quote": "保單將保證續保至受保人100歲（下次生日年齡）" } ], "premium_range": "", "premium_available": false, "premium_notes": "官方產品頁有行銷示意（例如「人壽保險保費每日低至5.4港元」附條件註腳）及首年保費優惠說明；未核實完整官方保費率表前，唔入站內保費比較。實際保費視乎個人情況、核保結果及保單條款。", "key_terms": [ "純定期人壽，不含儲蓄成分（官方產品頁特點說明）", "保費續保年期：1年／5年／10年；保費繳付模式：每月／每年", "繕發年齡：19歲至71歲（下次生日年齡）", "保單持有人及受保人必須為香港居民；每名受保人只允許不多於一份此計劃保單", "保單貨幣：港元", "冷靜期：保單送達起21個曆日內可書面取消（官方重要資訊；詳情以保單為準）" ], "exclusions": [ "完整不保事項以官方產品概要及保單條款為準（本記錄未逐項抄錄條款 PDF）", "官方重要資訊載有自殺條款：保單繕發或復效日起一年內自殺，公司責任僅限退回已繳總保費（不包括利息）", "計劃並無現金價值，亦無保單貸款借貸權力（官方重要資訊）" ], "source_urls": [ "https://www.zurich.com.hk/zh-hk/products/term-life/zurich-term-life-insurance-plan", "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/life-insurance/zurich-term-life-insurance-plan/product-brochure-tc.pdf", "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/life-insurance/zurich-term-life-insurance-plan/policy-provision-tc.pdf" ], "documents_found": [ "官方產品頁：至安心定期壽險計劃（產品資訊表、特點、FAQ）", "產品概要／保障表 PDF（product-brochure-tc.pdf，產品頁連結）", "保單條款 PDF（policy-provision-tc.pdf，產品頁連結）", "註：本記錄係站內新增身份列；條款/保費未做人手逐頁語義覆核" ], "citations": [ { "claim_field": "coverage", "claim_summary": "身故賠償與最高/最低保障額（官方產品資訊）", "document": "蘇黎世官方產品頁「至安心定期壽險計劃」產品資訊表", "page": null, "quote": "最低保障額 100,000港元；最高保障額 19歲至50歲：3,000,000港元；51歲至71歲：2,000,000港元", "url": "https://www.zurich.com.hk/zh-hk/products/term-life/zurich-term-life-insurance-plan" }, { "claim_field": "coverage", "claim_summary": "末期疾病保障上限", "document": "蘇黎世官方產品頁「至安心定期壽險計劃」", "page": null, "quote": "末期疾病保障 (i)保障額的50%；或 (ii)1,000,000港元，以較低者為準", "url": "https://www.zurich.com.hk/zh-hk/products/term-life/zurich-term-life-insurance-plan" }, { "claim_field": "key_terms", "claim_summary": "保證續保至100歲、保費續保年期1/5/10年", "document": "蘇黎世官方產品頁「至安心定期壽險計劃」產品資訊表", "page": null, "quote": "保費續保年齡 1年／5年／10年；保證續保年齡 保單將保證續保至受保人100歲（下次生日年齡）", "url": "https://www.zurich.com.hk/zh-hk/products/term-life/zurich-term-life-insurance-plan" } ], "record_status": "unverified", "last_verified_at": null, "source_document_version": null, "official_buy_url": "https://eshop.zurich.com.hk:9443/life-insurance/home?brokerCode=3807&riskCode=TBA01&language=tc&promotionCode=DS-EG-DTL-35P", "review_notes": [ "官方免責：計劃由蘇黎世人壽保險（香港）有限公司承保；站內 insurer key 沿用 Zurich／蘇黎世保險，未另立壽險 key", "2026-09-19 從官方產品頁抓取身份與產品資訊；保單條款 PDF 未做人手逐頁覆核" ] }, { "id": "critical-illness-zurich-care", "category": "critical-illness", "insurer": "Zurich", "insurer_zh": "蘇黎世保險", "product_name": "Zurich Care Critical Illness Insurance Plan", "product_name_zh": "至全護危疾保障計劃", "plan_tiers": [ "無索償保費回贈選項", "非保費回贈選項" ], "coverage": [ { "item": "危疾保障範圍", "limit": "官方產品頁宣稱涵蓋 81 種危疾，並包括癌症、心臟病、中風及原位癌等（2026-09-19 官方頁；詳細定義以保單文件為準）", "source_url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/critical-illness/zurich-care-critical-illness-insurance-plan", "document_name": "蘇黎世官方產品頁「至全護危疾保障計劃」", "page": null, "quote": "涵蓋81種危疾保障及癌症藥物賠償" }, { "item": "癌症藥物賠償", "limit": "實報實銷；上限為保障額的 10% 或 120,000 港元，以較低者為準（每名受保人於蘇黎世繕發的所有至全護保單下合計；官方產品頁）", "source_url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/critical-illness/zurich-care-critical-illness-insurance-plan", "document_name": "蘇黎世官方產品頁「至全護」主要特點／備註", "page": null, "quote": "高達保障額的10%或120,000港元（以較低者為準）" }, { "item": "保費回贈利益", "limit": "僅適用於「無索償保費回贈選項」：如沒有理賠，保單期滿時可獲 100% 保費回贈（官方產品頁比較表；非保費回贈選項沒有此利益）", "source_url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/critical-illness/zurich-care-critical-illness-insurance-plan", "document_name": "蘇黎世官方產品頁比較表", "page": null, "quote": "如沒有理賠，保單期滿時可獲100%保費回贈（適用於無索償保費回贈選項）" }, { "item": "深切治療部額外補助", "limit": "官方頁列為產品特點；受保人於深切治療部入住連續三日或以上並被診斷出已知/未知疾病或受傷時適用。每位受保人受保的預支早期危疾賠償或深切治療賠償總限額不得超過 300,000 港元（官方備註）", "source_url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/critical-illness/zurich-care-critical-illness-insurance-plan", "document_name": "蘇黎世官方產品頁「主要特點／備註」", "page": null, "quote": "每位受保人受保的預支早期危疾賠償或深切治療賠償總限額不得超過300,000港元" } ], "premium_range": "", "premium_available": false, "premium_notes": "官方產品頁有性別/年齡/選項下的示意月繳保費例子（例如保額100,000港元男性非吸煙個案），屬舉例而非完整公開保費率表；未核實前唔入站內保費比較。實際保費以核保及保單為準。", "key_terms": [ "兩個官方選項：無索償保費回贈選項／非保費回贈選項（保單年期、保費結構不同）", "無索償保費回贈選項：保單年期10年；保費繳付年期整付或10年", "非保費回贈選項：保單年期直到86歲（下次生日年齡）；保費續保年期每年／5年／10年", "等候期：90日（意外導致的危疾除外；官方產品資訊）", "繕發年齡：1歲至66歲（下次生日年齡）；保單貨幣港元", "最低/最高保障額按選項及年齡不同（官方產品資訊表：最低30,000或100,000港元；最高按年齡層 500,000–1,500,000港元）", "不設生存期（官方特點說明；定義以保單為準）" ], "exclusions": [ "完整不保事項以產品概要及保單條款為準", "官方頁載明不予賠償的情況包括：保單繕發/復效前已存在的危疾、已患有的已存在病況、等候期內診斷的危疾（意外除外）、自殺/蓄意自殘、愛滋病相關（列明例外）、先天性或遺傳性疾病（9歲前症狀適用之限制）、麻醉品/藥物酒精濫用、抵觸法律行為、戰爭、非常規商業航線航空旅行等", "癌症保障範圍官方頁有列明甲狀腺/前列腺腫瘤分級等限制；詳情以保單為準" ], "source_urls": [ "https://www.zurich.com.hk/zh-hk/products/accident-and-health/critical-illness/zurich-care-critical-illness-insurance-plan", "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/life-insurance/zurich-care-critical-illness-insurance-plan/product_factsheet_tc.pdf", "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/life-insurance/zurich-care-critical-illness-insurance-plan/product_provision_ncb.pdf", "https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/life-insurance/zurich-care-critical-illness-insurance-plan/product_provision_pureplan.pdf" ], "documents_found": [ "官方產品頁：至全護危疾保障計劃（特點、比較表、產品資訊、FAQ）", "產品概要 PDF（product_factsheet_tc.pdf）", "保單條款 PDF：無索償保費回贈選項（product_provision_ncb.pdf）", "保單條款 PDF：非保費回贈選項（product_provision_pureplan.pdf）" ], "citations": [ { "claim_field": "coverage", "claim_summary": "81種危疾與癌症藥物賠償上限", "document": "蘇黎世官方產品頁「至全護危疾保障計劃」", "page": null, "quote": "涵蓋81種危疾保障及癌症藥物賠償；高達保障額的10%或120,000港元（以較低者為準）", "url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/critical-illness/zurich-care-critical-illness-insurance-plan" }, { "claim_field": "key_terms", "claim_summary": "等候期90日、繕發年齡1–66歲", "document": "蘇黎世官方產品頁「至全護」產品資訊", "page": null, "quote": "等候期 90日；繕發年齡 1歲至66歲（下次生日年齡）", "url": "https://www.zurich.com.hk/zh-hk/products/accident-and-health/critical-illness/zurich-care-critical-illness-insurance-plan" } ], "record_status": "unverified", "last_verified_at": null, "source_document_version": null, "official_buy_url": "https://eshop.zurich.com.hk:9443/life-insurance/home?brokerCode=3807&riskCode=DCA01&language=tc&promotionCode=DS-EG-DCA10-26-01&payTerm=10", "review_notes": [ "官方導覽另有危疾雙重保系列及理財顧問渠道 Swiss Care——未有官方頁細節前唔打包入本記錄", "人壽保險由蘇黎世人壽保險（香港）有限公司承保；insurer key 沿用 Zurich", "2026-09-19 官方產品頁讀取；factsheet/條款 PDF 未做人手逐頁覆核" ] }, { "id": "accident-manulife-thankful-care", "category": "accident", "insurer": "Manulife", "insurer_zh": "宏利", "product_name": "Thankful Care Personal Accident Insurance Plan", "product_name_zh": "相伴無憂個人意外保險計劃", "plan_tiers": [], "coverage": [ { "item": "意外身故／喪失功能或傷殘／完全傷殘賠償", "limit": "官方產品頁：可支付高達名義金額 100% 的賠償（就意外發生日後180日內因受傷引致之事故；合計不超過名義金額100%；具體比例表見產品小冊子）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/thankful-care.html", "document_name": "宏利官方產品頁「相伴無憂個人意外保險計劃」", "page": null, "quote": "若受保人因意外身故、喪失功能或傷殘及／或完全傷殘，計劃可支付高達名義金額100%的賠償" }, { "item": "指定意外事故雙倍賠償", "limit": "官方產品頁：於指定意外事故中受傷而導致意外身故、喪失功能、傷殘及／或完全傷殘，將獲雙倍賠償額（請參閱產品小冊子保障表；本站未抄錄小冊子比例表）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/thankful-care.html", "document_name": "宏利官方產品頁「相伴無憂個人意外保險計劃」", "page": null, "quote": "若受保人在指定意外事故中受傷，而導致意外身故、喪失功能、傷殘及／或完全傷殘，將獲雙倍賠償額" }, { "item": "非意外身故／退保或失效現金保障", "limit": "官方產品頁：高達總適用保費 105% 的現金保障（適用條件見官方備註及產品小冊子）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/thankful-care.html", "document_name": "宏利官方產品頁「相伴無憂個人意外保險計劃」", "page": null, "quote": "可獲高達總適用保費105%之現金保障" } ], "premium_range": "", "premium_available": false, "premium_notes": "官方產品頁未提供公開保費率表；頁面載有限時推廣（非香港／非澳門客戶居住評級額外保費折扣）之宣傳連結。未核實完整官方保費表前唔入站內保費比較。", "key_terms": [ "非分紅終身意外保險產品（官方重要備註）", "投保無須回答健康問題（官方產品頁「簡易投保程序」）", "意外相關賠償以意外發生日後180日內因受傷引致為條件（官方備註1）", "完全傷殘賠償：傷殘持續12個月並其後永久持續時開始支付（官方備註5）", "完整條款載於保單文件；本網頁並非保單" ], "exclusions": [ "完整不保事項以產品小冊子及保單條款為準（本記錄未逐項抄錄小冊子）", "官方備註載明賠償計算與扣減規則（例如已賠付喪失功能/傷殘金額會扣減意外身故賠償）" ], "source_urls": [ "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/thankful-care.html", "https://www.manulife.com.hk/content/dam/insurance/hk/zh-hk/documents/products/health/thankful-care.pdf", "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection.html" ], "documents_found": [ "宏利官方產品頁：相伴無憂個人意外保險計劃", "官方意外保障分類頁（列出本計劃及「萬無一失」）", "產品小冊子 PDF 連結（thankful-care.pdf，產品頁「下載產品小冊子」）", "註：小冊子保障表/保費表未做人手逐頁覆核；plan_tiers 留空" ], "citations": [ { "claim_field": "coverage", "claim_summary": "意外保障達名義金額100%及指定事故雙倍賠償", "document": "宏利官方產品頁「相伴無憂個人意外保險計劃」", "page": null, "quote": "計劃可支付高達名義金額100%的賠償…將獲雙倍賠償額", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/thankful-care.html" } ], "record_status": "unverified", "last_verified_at": null, "source_document_version": null, "official_buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection.html", "review_notes": [ "2026-09-19 官方產品頁讀取；小冊子未做人手逐頁覆核，故不含具體保額/保費數字", "與「萬無一失」分開兩條記錄：官方以獨立產品頁及獨立小冊子行銷" ] }, { "id": "accident-manulife-take-care", "category": "accident", "insurer": "Manulife", "insurer_zh": "宏利", "product_name": "Take Care Personal Accident Plan / Benefit 2", "product_name_zh": "「萬無一失」個人意外保障計劃 / 附加保障2", "plan_tiers": [ "「萬無一失」個人意外保障計劃（基本計劃）", "「萬無一失」個人意外附加保障2" ], "coverage": [ { "item": "意外身故／喪失功能或傷殘／完全傷殘", "limit": "官方產品頁：一筆過賠償；最高總賠償額（不包括續保獎賞）為名義金額（基本計劃）或保障額（附加保障2）之 100%（意外發生日後180日內因受傷引致）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/take-care-personal-accident-plan-benefit-2.html", "document_name": "宏利官方產品頁「萬無一失」個人意外保障計劃／附加保障2", "page": null, "quote": "若不幸因意外身故、喪失功能或傷殘或完全傷殘，可獲得一筆過賠償…最高總賠償額…為名義金額…或保障額…之100%" }, { "item": "意外受傷醫療保障", "limit": "官方產品頁：就每次意外提供高達 6% 的名義金額／保障額，以實報實銷形式應付醫療及外科治療費用（另有每次診治及每保單年度最高賠償額限制；定義見產品單張）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/take-care-personal-accident-plan-benefit-2.html", "document_name": "宏利官方產品頁「萬無一失」", "page": null, "quote": "就每次意外提供高達6%的名義金額/保障額，以實報實銷形式，助您應付醫療及外科治療費用" }, { "item": "續保獎賞", "limit": "官方產品頁：意外身故賠償、喪失功能或傷殘賠償及/或完全傷殘賠償於續保時每年遞增 5%，最高可達 25%（計劃生效12個月後的保單周年日起計）", "source_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/take-care-personal-accident-plan-benefit-2.html", "document_name": "宏利官方產品頁「萬無一失」", "page": null, "quote": "將於續保時每年遞增5%，最高可達25%" } ], "premium_range": "", "premium_available": false, "premium_notes": "官方產品頁未提供公開保費率表；投保渠道以保險顧問為主。未核實完整官方保費表前唔入站內保費比較。", "key_terms": [ "基本計劃與附加保障2 分開：豁免保費及無須健康問題投保只適用於基本計劃（官方產品頁）", "附加保障2：受保人於意外當日為15歲或以下將不會獲發完全傷殘賠償（官方備註4）", "意外相關賠償以意外發生日後180日內因受傷引致為條件", "醫療保障：意外發生日後365日內之相關開支；緊急牙科治療為意外起計2星期內（官方備註5）", "額外服務：國際醫療援助及中國內地入院按金保證由第三者提供，非宏利代理（官方備註7–8）" ], "exclusions": [ "完整不保事項以基本計劃及附加保障產品單張、保單條款為準（本記錄未逐項抄錄）", "官方頁說明完整條款載於保單文件；產品網頁並非保單" ], "source_urls": [ "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/take-care-personal-accident-plan-benefit-2.html", "https://www.manulife.com.hk/content/dam/insurance/hk/zh-hk/documents/products/health/take-care-2-personal-accident-plan-2-product-brochure.pdf", "https://www.manulife.com.hk/content/dam/insurance/hk/zh-hk/documents/products/health/take-care-2-benefit.pdf", "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection.html" ], "documents_found": [ "宏利官方產品頁：「萬無一失」個人意外保障計劃／附加保障2", "基本計劃產品單張 PDF（take-care-2-personal-accident-plan-2-product-brochure.pdf）", "附加保障產品單張 PDF（take-care-2-benefit.pdf）", "註：單張保障表/保費表未做人手逐頁覆核" ], "citations": [ { "claim_field": "coverage", "claim_summary": "醫療開支高達名義金額/保障額6%及續保每年遞增5%上限25%", "document": "宏利官方產品頁「萬無一失」個人意外保障計劃／附加保障2", "page": null, "quote": "就每次意外提供高達6%的名義金額/保障額…續保時每年遞增5%，最高可達25%", "url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection/take-care-personal-accident-plan-benefit-2.html" } ], "record_status": "unverified", "last_verified_at": null, "source_document_version": null, "official_buy_url": "https://www.manulife.com.hk/zh-hk/individual/products/health/accident-protection.html", "review_notes": [ "2026-09-19 官方產品頁讀取；兩份產品單張未做人手逐頁覆核", "與相伴無憂分開兩條記錄：官方獨立產品頁 + 獨立單張" ] } ] }