What is the cost performance of insurance in Hong Kong?

Many friends heard that the insurance premium in Hong Kong is very low and the dividend is high, so they bought Hong Kong insurance without consideration. But will such a good thing really happen? Is money really a piece of waste paper for Hong Kong insurance companies?

Senior sister suggests that you can have a good idea after reading this article: "The little-known secret of Hong Kong insurance! 》

Insurance in Hong Kong is perfect, but the truth behind it is worth exploring!

The focus of this article is:

Uncover the thorny issue of insurance in Hong Kong!

Buy mainland insurance, senior sister recommends this one!

First of all, uncover the tricky issue of insurance in Hong Kong!

What needs to be known is that as an international financial center, Hong Kong's legal system is definitely very different from that of the Mainland. Therefore, friends who have the idea of insurance in Hong Kong, please read the following points carefully!

1, strict health notification

Friends who know about insurance in Hong Kong must know that "unlimited notification" has always been the practice of insurance in Hong Kong, which is very different from the "limited notification" adopted by mainland insurance.

It goes without saying that the insurance company will know the past medical history of the insured, otherwise, the insurance company in Hong Kong may refuse to pay compensation when it needs to settle claims.

However, in the Mainland, limited health advice is adopted. After the comparison, it is not difficult to find that the health notification method in the Mainland is more suitable for us. What are the advantages of health notification insurance in the mainland?

Insurance health notification in Hong Kong is only strict, and there is no convenient online insurance!

2. Hong Kong insurance cannot be insured online.

Also note that we should invest more time and money to buy insurance in Hong Kong.

You should pay attention to buying insurance in Hong Kong. You can't insure online in the first year. If you want to pay online, you can only use your Hong Kong account in the second year after insurance. Many small partners don't have Hong Kong hukou, so they can't spare time for work. Every year, they spend time going to Hong Kong to pay their tuition. Not worth it!

Anyway, it is also a new era of the Internet. Whenever we want to buy insurance, many people will directly choose to do it online. So buying insurance in Hong Kong is not as cost-effective as we thought.

Since insurance in Hong Kong is so uneconomical, why do people buy it? Is it because the insurance premium in Hong Kong is low and the insurance coverage is increasing?

To sum up, senior sister suggested that everyone should be cautious when buying insurance in Hong Kong. Compared with Hong Kong insurance, what critical illness insurance products are worth recommending?

Second, buy mainland insurance, which is recommended by senior sister!

As mentioned above, we are not advised to buy Hong Kong insurance, so I must have sorted out better mainland insurance products. Please look at the following ten items: mainland insurance is more recommended than Hong Kong insurance.

Next, take one of them, Perfect Life Guardian 202 1 Critical Illness Insurance, as an example. The more detailed protection content will be analyzed for everyone later, so everyone should pay more attention.

Let me show you the protection essence of Perfect Life Guardian 202 1 first:

These points are very attractive in the product diagram. Let me analyze it for you first:

1, intensive care.

Once you are insured with Perfect Life Guardian 202 1 Critical Illness Insurance, you can enjoy an additional 80% coverage if you are diagnosed with a critical illness before the age of 60.

If the insured amount is 500,000, before the age of 60, you can get an additional 400,000 claims and pay 900,000. Perfect Life Guardian 202 1 This critical illness insurance is very superior.

2. The proportion of secondary compensation for optional liability is high.

According to official data, the number of cancer patients is on the rise, with about 1 to 2 people diagnosed with cancer within 7 years. Although it is only a simple number, it reflects amazing facts.

And perfect life guardian 202 1 in the secondary compensation for malignant tumors and cardiovascular and cerebrovascular diseases, the compensation ratio is as high as 150%. In this way, even if you suffer from cancer, cardiovascular and cerebrovascular diseases after insurance, the protection is appropriate, and you don't have to consider the problem of insufficient treatment costs.

To sum up, Hong Kong insurance is harsh for mainlanders in many aspects, not to mention the excellent insurance products in the Mainland now. I suggest you know more about insurance in the mainland.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!