Can I buy Hong Kong insurance for thyroid problems?

Thyroid problems can be insured in Hong Kong (if you buy critical illness insurance, then Hong Kong will classify thyroid problems as mild and pay1; In the mainland, it is paid according to serious illness, and it is paid in full)!

In addition, before buying insurance in Hong Kong, you should consider the following points;

1. Do you really need to buy insurance in Hong Kong? For example, whether to invest, whether to allocate overseas assets, whether to consider immigration or other special purposes. If not, it is recommended to buy insurance in Chinese mainland. After all, you live in Chinese mainland and are familiar with the surrounding environment.

2. Consider whether it is convenient to buy insurance in Hong Kong. Due to the current foreign exchange control, it is not necessary to go to Hong Kong in person to purchase Hong Kong insurance and use a Hong Kong account. Can you successfully open an account and take the expenses out of the country? If you go in person, travel expenses, accommodation, etc. It's not a small amount. (If you don't buy insurance overseas in person, it is an underground insurance policy, which is illegal. At present, no Hong Kong-funded insurance company in Chinese mainland has set up a branch in the Mainland, and there is no specialized service organization, which is not allowed by the state. )

Just because you buy insurance doesn't mean everything will be fine after you buy it. We should consider the long-term service in the later period; Because insurance is a long-term or even lifelong guarantee, there are many follow-up services, and whether the follow-up services are convenient. At present, no Hong Kong insurance company has set up a service institution in Chinese mainland (CIRC does not allow them to set up a service institution). )

Legally speaking, insurance in Hong Kong should of course comply with the laws of Hong Kong. In case of disputes in the future, they must be settled according to the laws of Hong Kong; If we go through the judicial channels in Hong Kong, we must hire Hong Kong lawyers, and Hong Kong lawyers charge by the hour, which is usually several thousand Hong Kong dollars. Whether the time cost and money cost of judicial channels are worth going for some small claims.

5. After buying insurance, if there is a service problem, is it convenient to protect rights (for insurance in Hong Kong, of course, you have to go to Hong Kong to complain or make an international long-distance call to Hong Kong to complain). If you buy insurance in the mainland, you can at least complain to the CIRC (according to the current national policy of vigorously developing commercial insurance and future commercial insurance, the corresponding speed of the CIRC is definitely quite fast; In addition, the judgment is often biased towards the customer side. )

6. Hong Kong insurance is really cost-effective. Is it suitable for you? For example, critical illness insurance, some people say that the cost of critical illness insurance in Hong Kong is cheap (in fact, this is not accurate, if compared with several major domestic insurance companies, Hong Kong critical illness insurance is indeed about 20% cheaper; But compared with domestic joint ventures and small-scale insurance companies, it is not cheap. As we know, serious illness insurance mainly includes two parts: serious illness liability and minor illness liability. For example, customers have purchased 500,000 critical illness insurance in Chinese mainland and Hongkong respectively. If there is a risk of mild illness, they will pay an extra part, such as 20% and 30% (if 20% is paid, then 500,000 * 20% = 65438+ 10,000 for mild illness; In case of serious illness, pay 500,000 yuan. For Hong Kong insurance, paying 6.5438+million in advance is the insured amount, that is to say, after paying 6.5438+million, if the customer suffers from serious illness again, he will pay 400,000 instead of 500,000. )。 Therefore, from this perspective, insurance in Hong Kong cannot be said to be cheap.

7. Buy insurance in Hong Kong and inform the insurance company of any health problems; If you don't tell us, you won't claim compensation, even if the risk has nothing to do with your previous illness, because the principle of good faith is very important in Hong Kong (not to say that the mainland doesn't attach importance to it). If you buy insurance in the mainland, if you don't tell the insurance company about some health problems, or you forget to tell them; Then the future risks are related to the previous ones, and may or may not be paid (according to the previous cases, when judging, the judgment result is often beneficial to the customer); If the future risk has nothing to do with the previous one, then it will generally be paid.

I hope it helps you. Welcome to consult.