转换保险公司时的风险提示

转换保险公司时的风险提示

通常情况下，保险顾问在向客户提供保险建议时只会建议购买所需要的且尚未买入的保险产品，不会考虑已经拥有的保险产品。如果用新的保险公司的保单替换现有保险公司的保单，那么新的保单有可能会出现现有保单中所没有的额外条件或排除事项。 但是，新的保单可能比现有的保单在某些方面具有优越性。在考虑转换保险公司时，需要注意以下风险：

• 新的保单与现有的保单会有不同的措辞（policy wording）。新的保单措辞可能会包括更少的保险选项，更多的排除事项，或在支付索赔时出现不同的方式或时间要求。
• 新的保单可能会带来更高的保费。 如果在购买保险之后出现了健康方面的变化，就要谨慎考虑转换保险公司。即便是购买同样的保险，新保单的保费可能比现有的保费更高一些，包括因健康因素额外增加的保费 (premium loadings)， 或者产生现有保单中所没有的排除事项。需要记住的一点是，在购买保险之后出现的任何健康状况都在保险范围之内。
• 新保单出现的健康信息疏漏 (disclosure on health information) 可能会带来索赔的拒绝。 无论出于任何原因，如果忘记披露新的保险公司要求提供的健康信息，都有可能承担保险索赔被拒绝的风险。
• 在保险顾问提出更换保险公司的建议时，一定要确保新的保单在价格上和适用性上符合购买保险的要求。
• 保险公司每年都会给保险所有人寄发审查保单条款的信函。在这个时候可以向保险公司提出修改保单条款的要求。多数情况下，保险公司都会乐意调整和更改。

Nib 3 Months Free Cover Ends Soon

Offer Now Extended! Get 3 months free, after you’ve paid your first month.
We know times are tough, so nib is stepping up to make things a little easier by offering 3 months free health cover, with a little extra financial relief. For a limited time, this offer is on any Easy Health, Ultimate Health or Ultimate Health Max policy –till end of October 2024.

How to get up to 3 months premium free

1. Enjoy 1 month’s premium free When you buy any new eligible AIA policy between 18 September 2024 and 22 November 2024, and have the resulting policy issued by 23 December 2024.
2. Enjoy 2nd month’s premium free When you add and activate the AIA Vitality membership within 6 weeks of the policy being issued.
3. Enjoy 3rd month’s premium free When you reach Silver Status with AIA Vitality within 10 months of activating the AIA Vitality membership. T&Cs apply.

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Some tips for your consideration:

• Past performance is not necessarily an indicator of future performance and returns over different periods may differ
• Growth funds will always outperform defensive funds in a long term;
• The longer term you have until retirement, the more growth funds you can hold;
• Seek financial advice where you think it might be helpful.
• Adviser Disclosure Statement can be read here.
• Product Disclosure and Brochure can be downloaded here

Please be noted that the above is a general guide only and not financial advice, nor financial advice service.

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