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消委會:37款年金計劃回報及條款差異大
阿思達克 09-16 10:59

消委會檢視37個年金計劃,發現不同計劃在投保年齡、保費、年期及回報率等各方面都存在明顯差異,合資格延期年金的保證內部回報率由0.01%至3.05%不等;全部計劃的保證回本期介乎5年至26年不等;年金領取期更可由最短4年至長達終身。

當中,12個為合資格延期年金,25個屬一般年金。合資格延期年金必須符合認證條件,包括最低保費總額18萬元、供款期最少5年、年金期最少10年、保險公司須披露內部回報率及列明年金收入的保證金額及非保證金額,而且投保人需年滿50歲方可提取年金等。一般年金則可按供款方式、累積年期,再細分為「即期年金」、「延期年金」、「定期年金」及「終身年金」。

消委會建議,消費者應盡量選擇有較高「保證」回報的產品;如提早退保,保單持有人獲得的退保價值或會遠遠低於已繳保費,或導致重大損失。工作不太穩定或收入相對浮動的投保人士,可考慮投保提供保費假期或延繳保費安排的年金計劃 。

另外,年繳模式的保費會較月繳等其他模式的保費便宜,投保人應評估自己消費及儲蓄習慣,從而選擇合適的繳費模式。有年金計劃無須受保人提交健康證明,退休人士或長者無須擔心身體狀況,不用作任何身體檢查,仍可把一整筆資金轉變成穩定的現金流。

產品小冊子內提供的內部回報率會隨受保人性別、投保年齡、保單貨幣、保費繳付年期、累積期、年金期、保費繳付模式或年金開始年齡等因素而有變化,只可作參考。

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