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保誠:本港平均個人危疾保障缺口達118萬元
阿思達克 06-01 14:19
保誠(02378.HK)公布「香港家庭危疾抗力調查」結果,發現逾三分之二受訪者擔憂自己(71%)或子女(89%)未來會罹患危疾,即使大部分受訪者已購置危疾保障,但當中近四分三仍擔心現有醫療保障不足應付高昂的醫療開支。 另外,當患上危疾時,逾七成(74%)受訪者傾向到私家醫院進行治療,無論有否購置危疾或醫療保障的受訪者,他們都憂慮未能應付私家醫生的醫療費用。 根據保誠年度理賠報告以及醫思健康的最新醫療費用數據推算,在職受訪者的現有資金只足夠應付約四成的保障需要,而平均個人危疾保障缺口則高達118萬元。加上分別只有49%及28%受訪者已為配偶及父母購買危疾或醫療保障,一旦自己或家庭成員突然確診危疾,這意味整個家庭將面臨巨大的財政壓力,亦有可能因耗用大量積蓄而影響日後的生活質素。 保誠首席市場拓展及保險夥伴營銷總監吳詩雅表示,長期抗病令醫療成本逐年攀升,隨著市民對醫療服務質素的要求有所提高,卻未有足夠儲備去應付私家醫院的醫療開支,令家庭對這些風險的抗力更見不足,情況令人擔憂。
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