2. The scope of protection is wide, and the protection of critical illness insurance in Hong Kong is decided by the insurance company itself. Most of the diseases covered by critical illness insurance in the Mainland are around 1 10, while those in Hong Kong are above 160. The definition of diseases is loose, and they are basically compensated upon diagnosis. Unlike the mainland's critical illness insurance, which can only be paid if the disease reaches a certain level and certain treatment measures are taken, Prudential UK only needs to be diagnosed.
3. Non-smoking health insurance premium is low. Hong Kong insurance distinguishes between smokers and non-smokers. The premium of non-smokers is cheaper than that of smokers 15%-20%. Differentiated pricing makes healthier people more affordable.
4. Hong Kong insurance claims are convenient. Hong Kong insurance has a history of nearly 100 years, and there are many global service outlets, which are convenient for consumers to make global claims.
5. The amount of exemption from medical examination in Hong Kong is high, and the critical illness insurance is exempt from medical examination. The older you get, the lower the exemption from inspection.
6. Are there any controversial clauses in the Hong Kong policy?
Disadvantages:
1. Hong Kong insurance must go to Hong Kong to sign a policy. Because Hong Kong insurance only covers policies signed locally.
Insurance in Hong Kong is infinitely well informed. Unlike insurance in the Mainland, there are restrictions. Insurance in the Mainland is a form of questionnaire survey. Can answer the questions mentioned in it. However, whether it is mentioned in Hong Kong or not, you have to say it, otherwise it will have a great impact on future claims.
3. There are restrictions on cancer protection in Hong Kong, and only designated cancers are guaranteed for cancer in situ.