This sentence has two meanings, one is that Hong Kong is insured against fire, and the other is whether it is really worth buying. Let's first look at the reasons why insurance in Hong Kong is so popular, and then talk about whether it is really worth buying.
1: Hong Kong insurance is so hot, why?
The main reasons for the insurance fire in Hong Kong are that mainland goods are expected to depreciate more than the currency, investment channels are narrowed, and real estate is expected to rise. Some people are worried about future problems and want to spread the risk of broken eggs through multiple baskets. This is the main reason for the big order and the initial insurance fire in Hong Kong. After several years of gradual evolution, it is found that insurance in Hong Kong is much better than that in the Mainland. After comparison, many people like the fair and just system in Hong Kong's legal society, which has become a popular trend for many ordinary people to buy insurance in Hong Kong. Everyone follows the trend and goes to Hong Kong to buy insurance. It is basically such a process, and we have fully experienced this process. At present, 20 19 has actually developed to a more rational stage. After the time of buying with the wind, many customers will now compare the terms in detail to see if they really suit them, which is also correct.
2. Is it really worth buying?
This question depends on the situation, and of course it is not suitable for everyone. To be precise, the following talents are suitable:
1): recognize the laws of Hong Kong and the major insurance companies in the world. A very important reason why Hong Kong is a global financial center is that the legal system is sound, the financial system is perfect, and it is fair and reasonable. This is very important for insurance companies, such as the financial situation of insurance companies, regular disclosure of statements, no black-box operation, and the legal system treats companies and individuals equally.
2): I want to diversify my assets and avoid the risk of depreciation. On the surface, this seems to be the consideration of the rich, but it is not. Many people who are not very rich also buy insurance in Hong Kong. Small money has the intention of small money, and they still have to avoid risks. In the year of 20 18, the currencies of many countries depreciated seriously, and no fewer than eight countries depreciated by more than 50%. If it happens to you, the money on hand will shrink directly.
3): Don't be afraid of trouble. It is important to buy insurance in Hong Kong. After all, Hong Kong is one country, two systems, and the currency used to buy insurance in Hong Kong is mostly US dollars or Hong Kong dollars, which is actually US dollars. Then changing money becomes a problem. Opening an account, withdrawing money and paying fees in Hong Kong is certainly not as convenient as that in the Mainland, but it can still be done, so don't be afraid of trouble.
4): Understand the purpose of buying insurance and whether insurance in Hong Kong is suitable for you. There are only two kinds of insurance that mainlanders buy in Hong Kong: savings dividends and major diseases. The characteristics of high dividend income from savings, full coverage of major diseases and high income are unmatched by mainland insurance. After knowing this, consider whether it is suitable for you.
Only by meeting the above points is it worth buying Hong Kong insurance. If you buy it with the wind, you don't know what to buy. You may have bought a good product by mistake, or you may have bought a product that is not suitable for your own risk. For example, the 10 1 and 105 investment-oriented continuous investment insurance of Hong Kong Insurance have been mythologized by many mainlanders who publicize Hong Kong insurance. In fact, this product is a fund platform. It is risky for investors to choose their own funds, but knowing how to choose can be risk-free. It's a good product. Just explain the characteristics of this product clearly and talk about it in detail later.
Insurance in Hong Kong is so hot, is it really worth buying? This is the answer to this question. I hope I can help you.