定期人壽保險保費比較
18 至 30 歲男性每月保費比較
年齡 | Bowtie | 保險公司 F | 保險公司 Z | 保險公司 B |
18 | $37💰 | $48.6💰💰 | $46.67 | $40 |
19 | $43💰 | $48.6 | $49.17💰💰 | $43.35 |
20 | $46 | $48.6 | $50💰💰 | $43.35💰 |
21 | $49 | $48.6 | $50💰💰 | $43.35💰 |
22 | $50💰💰 | $48.6 | $50💰💰 | $43.35💰 |
23 | $49 | $48.6 | $50💰💰 | $43.35💰 |
24 | $48 | $48.6 | $50💰💰 | $43.35💰 |
25 | $47 | $48.6 | $50💰💰 | $43.35💰 |
26 | $44💰 | $48.6 | $50💰💰 | $44.2 |
27 | $41💰 | $49.5 | $50💰💰 | $45 |
28 | $40💰 | $50.4💰💰 | $50 | $45 |
29 | $38💰 | $51.3💰💰 | $50 | $45.85 |
30 | $38💰 | $52.2💰💰 | $50 | $48.35 |
18 至 30 歲女性每月保費比較
年齡 | Bowtie | 保險公司 F | 保險公司 Z | 保險公司 B |
18 | $24💰 | $33.3💰💰 | $26.67 | $25 |
19 | $24💰 | $33.3💰💰 | $26.67 | $25 |
20 | $25💰 | $33.3💰💰 | $26.67 | $25.85 |
21 | $25💰 | $33.3💰💰 | $26.67 | $25.85 |
22 | $26 | $33.3💰💰 | $26.67 | $25.85💰 |
23 | $26💰 | $33.3💰💰 | $26.67 | $26.7 |
24 | $27 | $33.3💰💰 | $26.67💰 | $27.5 |
25 | $27💰 | $33.3💰💰 | $27.5 | $28.35 |
26 | $27💰 | $33.3💰💰 | $29.17 | $29.2 |
27 | $27💰 | $34.2💰💰 | $30.83 | $30.85 |
28 | $28💰 | $35.1💰💰 | $32.5 | $31.7 |
29 | $28💰 | $36💰💰 | $33.33 | $32.5 |
30 | $29💰 | $36.9💰💰 | $34.17 | $32.5 |
31 至 40 歲男性每月保費比較
年齡 | Bowtie | 保險公司 F | 保險公司 Z | 保險公司 B |
31 | $40💰 | $53.1💰💰 | $50 | $48.35 |
32 | $42💰 | $54💰💰 | $50 | $48.35 |
33 | $45💰 | $54.9💰💰 | $51.67 | $50.85 |
34 | $49💰 | $55.8💰💰 | $54.17 | $54.2 |
35 | $53💰 | $56.7 | $54.17 | $58.35💰💰 |
36 | $56💰 | $58.5 | $56.67 | $63.35💰💰 |
37 | $59💰 | $59.4 | $60.83 | $67.5💰💰 |
38 | $62💰 | $63 | $66.67 | $72.5💰💰 |
39 | $65💰 | $69.3 | $72.5 | $80💰💰 |
40 | $68💰 | $74.4 | $80 | $86.7💰💰 |
31 至 40 歲女性每月保費比較
年齡 | Bowtie | 保險公司 F | 保險公司 Z | 保險公司 B |
31 | $31💰 | $37.8💰💰 | $35 | $35 |
32 | $32💰 | $38.7💰💰 | $35.83 | $36.7 |
33 | $32💰 | $39.6💰💰 | $37.5 | $38.35 |
34 | $38💰 | $40.5 | $39.17 | $40.85💰💰 |
35 | $40💰 | $41.4 | $41.67 | $44.2💰💰 |
36 | $42💰 | $44.1 | $45 | $45.85💰💰 |
37 | $44💰 | $46.8 | $48.33 | $48.35💰💰 |
38 | $45💰 | $50.4 | $51.67 | $51.7💰💰 |
39 | $47💰 | $54 | $55 | $55.85💰💰 |
40 | $48💰 | $57.6 | $56.67 | $59.2💰💰 |
年齡 | Bowtie | 保險公司 F | 保險公司 Z | 保險公司 B |
41 | $75💰 | $81.9 | $87.5 | $95💰💰 |
42 | $82💰 | $90 | $95 | $101.7💰💰 |
43 | $90💰 | $99 | $101.67 | $110💰💰 |
44 | $99💰 | $108 | $109.17 | $119.2💰💰 |
45 | $108💰 | $117.9 | $115 | $127.5💰💰 |
46 | $115💰 | $130.5 | $125 | $139.2💰💰 |
47 | $123💰 | $146.7 | $136.67 | $152.5💰💰 |
48 | $132💰 | $163.8 | $148.33 | $165.85💰💰 |
49 | $141💰 | $183.6💰💰 | $163.33 | $182.5 |
50 | $152💰 | $198 | $180 | $199.2💰💰 |
年齡 | Bowtie | 保險公司 F | 保險公司 Z | 保險公司 B |
41 | $53💰 | $61.2 | $60.83 | $64.2💰💰 |
42 | $58💰 | $65.7 | $64.17 | $69.2💰💰 |
43 | $63💰 | $70.2 | $68.33 | $75💰💰 |
44 | $69💰 | $74.7 | $72.5 | $81.7💰💰 |
45 | $75💰 | $80.1 | $78.33 | $87.5💰💰 |
46 | $82💰 | $89.1 | $85.83 | $96.7💰💰 |
47 | $89💰 | $98.1 | $94.17 | $103.35💰💰 |
48 | $96💰 | $108 | $103.33 | $111.7💰💰 |
49 | $104💰 | $118.8 | $113.33 | $120.85💰💰 |
50 | $113💰 | $130.5 | $124.17 | $130.85💰💰 |
年齡 | Bowtie | 保險公司 F | 保險公司 Z | 保險公司 B |
51 | $167💰 | $213.3 | $205 | $226.7💰💰 |
52 | $184💰 | $231.3 | $225 | $250💰💰 |
53 | $204💰 | $250.2 | $255.83 | $275.85💰💰 |
54 | $226💰 | $273.6 | $282.5 | $306.7💰💰 |
55 | $251💰 | $301.5 | $320 | $337.5💰💰 |
56 | $285💰 | $329.4 | $360 | $371.7💰💰 |
57 | $324💰 | $359.1 | $399.17 | $409.2💰💰 |
58 | $367💰 | $391.5 | $444.17💰💰 | $444.15 |
59 | $417💰 | $431.1 | $485.83💰💰 | $480.85 |
60 | $472💰 | $473.4 | $546.67💰💰 | $531.65 |
年齡 | Bowtie | 保險公司 F | 保險公司 Z | 保險公司 B |
51 | $122💰 | $144💰💰 | $135 | $140.85 |
52 | $133💰 | $158.4💰💰 | $145 | $152.5 |
53 | $144💰 | $173.7💰💰 | $156.67 | $165 |
54 | $156💰 | $190.8💰💰 | $169.17 | $178.35 |
55 | $170💰 | $209.7💰💰 | $183.33 | $192.5 |
56 | $185💰 | $231.3💰💰 | $203.33 | $216.7 |
57 | $201💰 | $253.8💰💰 | $222.5 | $245 |
58 | $218💰 | $279💰💰 | $245 | $268.35 |
59 | $237💰 | $306.9💰💰 | $272.5 | $300.85 |
60 | $258💰 | $338.4💰💰 | $306.67 | $326.7 |
- *假設投保人沒有吸煙習慣,而人壽保額為 HK$100 萬
- 註1:以上保費為優惠前之價格,💰 為最平的選擇,💰💰為最貴的選擇,以上保費於 2024 年 2 月 6 日取自各保險公司的官方網站,保險公司或會不定時更新保費,請以官方網站收費為準。
- 註2:上列之保險公司均有提供網上投保服務
其他影響保費的因素
除了年齡、吸煙習慣和健康狀況等個人因素之外,定期人壽的保費也有可能因應宏觀環境而有所浮動。
比如說,隨著醫療科技的進步,新藥相繼推出,有些曾是絕症的疾病也有機會得到治療,使人類的平均壽命延長,這樣一來,人壽保險的保費便有下調的空間。
另一方面,如果天災人禍頻繁,變種病毒越來越盛行,對人類性命帶來致命風險的話,人壽保險的定價就有可能會上漲。
此外,繳費模式亦會影響人壽保單收費。現時保險公司最常見的收費方案分別為「月繳」和「年繳」兩種,一般來說,投保人一次過繳交的保費金額越高,享有的保費優惠就越大,所以不少公司的年繳保費都會比月繳便宜。
同時,你需一併考慮保單續保的年期。假如你的人壽保單屬於每年續保,那在投保早期,保費通常會比每 5 或 10 年續保的計劃便宜,因為每年續保的保費只考慮未來一年的風險,保費自然會更低,詳情可參考以下例子:
月繳保費* | |||
1年 | 5年 | 10年 | |
保險公司 Z | $54.17 | $60.83 | $72.5 |
儘管人壽保險的定價原則大同小異,但因為每間保險公司的營運成本不盡相同,彼此之間的保費仍是會有一定差別。
- *假設投保人為35歲不吸煙男性,人壽保額為HK$100萬
Bowtie 作為全港首間虛擬保險公司,致力削減多餘的行政費用,盡可量節省成本以回饋投保人,讓香港人能享有更高性價比的保障。因此,即使 Bowtie 僅採取月繳方案,與其他保險公司相較之下,其人壽保的保費仍然是全港最平。