Why is there such a big difference between Hong Kong insurance and mainland insurance?

When mainlanders buy insurance in Hong Kong, they must go to Prudential Company in Hong Kong to verify the insurance in person, and buy insurance policies through consultants of regular insurance companies, instead of looking for intermediaries, because intermediaries are not regulated by Hong Kong laws; In addition, Hong Kong insurance has advantages in serious illness, life insurance, savings dividends and high-end medical care, while accidents and short-term financial management have advantages in China;

Regarding the advantages of insurance in Hong Kong (such as Prudential Insurance),

1. The same insurance premium is lower than that of the mainland by more than 30%;

2, the income is high and stable, and the amount of critical illness insurance is increasing year by year, which is more in line with the long-term nature of insurance and can resist currency;

3. Global sales, global claims, in line with the needs of Chinese people to travel abroad, study abroad and immigrate;

4. Wide coverage and fast claims settlement. Because claims settlement is the lifeline of insurance companies, Centennial Company attaches great importance to humanization of products and claims settlement.

Prudential is the only company in the world that promises to give customers 90% profits! The only one in the world, generally higher than the expected income!

Hong Kong's insurance has advantages in serious illness, life insurance, savings dividends and high-end medical care, while accidents and short-term financial management have advantages in China.

Regarding the advantages of Hong Kong's critical illness insurance and life insurance (such as Prudential Insurance),

1, the premium is more than 30% cheaper, which is also a problem that the mainland can't solve in a short time, because the premium is related to the average life expectancy in this area. At present, the average life expectancy in Hong Kong ranks first in the world at 86.5 years, while that in the Mainland is 75 years. The mainland has a large population. At present, air, food, medical care and other issues, it is difficult to reach the first place in the world.

2. Hong Kong insurance is a global investment with many investment channels and a wide range. Through global asset allocation, a higher return on investment can be achieved than in the mainland. The income is high and stable, and the amount of critical illness insurance is increasing year by year, which is more in line with the long-term nature of insurance and can resist currency;

3. The protection of diseases in Hong Kong is becoming more and more comprehensive. Take critical illness insurance as an example, there are generally about 35-40 species in China; There are generally more than 50 kinds in Hong Kong, and some companies even have more than 60 kinds. Autism, cancer in situ, severe asthma, vegetative state and other diseases are all covered by Hong Kong insurance companies. The most important thing is to provide early advance payment.

4, free of medical examination, high quota. The deductible of medical examination in Hong Kong insurance can reach more than 2 million RMB, while that in the Mainland is usually only 500,000 RMB. Some insurance companies in Hong Kong are exempted from medical examination up to US$ 500,000 (equivalent to more than RMB 3 million), which can provide more adequate protection for families with better economic conditions.

Less exemption clause? The insurance company underwrites, and after the policy comes into effect, there is no restriction on occupation and residence area, and it is guaranteed globally. Life insurance generally deals with suicides and shootings within one year, and there are almost no other exemptions (the specific terms are slightly different).

5, global sales, global claims, in line with the needs of Chinese people to travel abroad, study abroad, immigration;

6. Wide coverage and quick settlement. Because claims are the lifeline of insurance companies, Centennial Company attaches great importance to the humanization of products and claims.

7. As the only international financial center in China, Hong Kong can freely exchange RMB, Hong Kong dollars and US dollars, and the US dollar insurance policy has become the first choice for high net worth individuals.

Prudential is the only company in the world that promises 90% profit to customers! The only one in the world, generally higher than the expected income!

Advantages 1. Low premium and high security. Compared with mainland insurance companies, insurance policies in Hong Kong need to pay lower premiums and can enjoy higher coverage. For policyholders of the same age, the premium in Hong Kong is generally 1/3, which is even half cheaper than that in the Mainland. Because the insurance premium rate in Hong Kong is mainly determined by risk, assuming the same life insurance is 6,543.8+0,000 yuan, if you need to pay a premium of 20,000 yuan in the Mainland, you only need 6,543.8+0,000-6,543.8+0.5 million yuan in Hong Kong.

Advantage 2: the policy yield is high. Hong Kong insurance is a global investment. Compared with insurance companies in Chinese mainland, it has more choices, more investment channels, a wide range and no restrictions, and the interests of customers and companies are guaranteed. The income from dividend insurance for long-term savings is about 6%-9%, and the income from major diseases is about 3%-5%. If you hold it for a long time and calculate compound interest, the income will be considerable.

Advantage 3. The protection of diseases in Hong Kong is becoming more and more comprehensive. Take critical illness insurance as an example, there are generally about 35-40 species in China; There are generally more than 50 kinds in Hong Kong, and some companies even have more than 60 kinds. Autism, cancer in situ, severe asthma, vegetative state and other diseases are all covered by Hong Kong insurance companies.

Advantage 4: Serious illness and medical care enjoy global claims. Whether traveling or studying in other parts of the world, you can enjoy the global claims service.

Advantage 5: Free of medical examination and high quota. The deductible of medical examination in Hong Kong insurance can reach more than 2 million RMB, while that in the Mainland is usually only 500,000 RMB. Some insurance companies in Hong Kong are exempted from medical examination up to US$ 500,000 (equivalent to more than RMB 3 million), which can provide more adequate protection for families with better economic conditions.

Less exemption clause? The insurance company underwrites, and after the policy comes into effect, there is no restriction on occupation and residence area, and it is guaranteed globally. Life insurance generally deals with suicides and shootings within one year, and there are almost no other exemptions (the specific terms are slightly different).

Advantage six. ? Strict insurance and standardized claims. Loose claim clause? Hong Kong insurance companies implement the policy of strict entry and wide exit, and the underwriting is stricter when applying for insurance. As long as it meets the insurance liability, the audit is more relaxed than that in the mainland.

Advantage 7. ? Insurance agents in Hong Kong have low mobility, low professional knowledge and low integrity.

Advantage 8. Hong Kong is a world-famous international financial center. The insurance industry has a long history (more than 65,438+000 years) and a sound and effective supervision system, which is a confident choice for the insured.

Advantage 9. The Hong Kong Insurance Claims Complaints Bureau (HKICB) announced that it would extend the service scope of handling claims complaints to non-Hong Kong residents from May 20 1 March. (including mainland residents. The purpose of the Complaints Bureau is to provide effective and free channels for individual policy holders or beneficiaries to coordinate and resolve their policy disputes with insurance companies. The maximum amount that the Complaints Bureau can decide now is HK$ 6.5438+0 million. Official website: http://www.iccb.org.hk/gb_termofreference.htm.

Advantages 10. Most insurance companies operating in Hong Kong are the top multinational insurance companies in the world. Coupled with the complete system in Hong Kong and the strict supervision of the British legal system, it has given the insured a high degree of integrity and comprehensive protection. Buying insurance in Hong Kong is a legal document.

Author Huang 66334998