As a new consumption of mainlanders, is it worth buying insurance in Hong Kong?

Generally speaking, it is not cost-effective for mainlanders without special needs to go to Hong Kong to buy insurance. Mainly reflected in the following aspects: Hong Kong's legal system is different from the mainland. We need to adapt to the judicial system in Hong Kong and choose to buy insurance in Hong Kong, that is, we signed a financial product contract in another legal environment; If you buy insurance in Hong Kong, you must go to Hong Kong to buy it yourself. Hong Kong insurance is not subject to the supervision of CBRC, so these costs include not only money, but also some invisible expenses, such as adaptation time and so on. Here I share a detailed popular science article with you, hoping to help you: Hong Kong insurance and mainland insurance pk!

Then let's take a look again. If we choose to "go further and further" to buy something, then we definitely think it is better. That insurance product is actually the same, but is it really much better? In fact, at present, most people who go to Hong Kong for insurance choose to buy Hong Kong's critical illness insurance and savings insurance products. I once counted the 108 best-selling critical illness insurance in the market one by one from four dimensions: market awareness, terms friendliness, cost performance, and convenience of claim settlement, and finally selected the best one, and selected the ten most valuable critical illness insurance in mainland China in recent years. Maybe you can find some clues: ten kinds of mainland insurance with much higher cost performance than Hong Kong insurance.

However, Hong Kong insurance is not completely denied, because for people with overseas assets, buying Hong Kong insurance can reduce the risk of property funds and avoid the trouble of currency exchange. In addition, people with immigration plans, some companies can enjoy global allocation of funds on the one hand, and some companies can accept global claims on the other hand, which is relatively convenient. If you are suitable for buying Hong Kong insurance, Senior Sister shares your inventory of products here: the top ten Hong Kong insurance stocks worth buying!

Hope to adopt

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