We always like shopping in Hong Kong.

Children's milk powder, newly listed electronic equipment, fashion clothes, high-end luxury goods, insurance.

There are many reasons, such as cheap price, better quality and more fashionable products. Of course, the most important thing is "safety".

When we buy a lot of things, we are buying a sense of security.

Domestic milk powder is unsafe, so we choose to buy it; Samsung mobile phone is not safe, we choose other;

Buying insurance is the same. Just as Ping An Fu products are still purchased at a very high premium, Hong Kong insurance endorsed by Hong Kong, an international financial center in the Eastern Hemisphere, has also been favored by a large group of people.

In the past cognition:

Hong Kong is an international financial center in the Eastern Hemisphere and the place with the longest life expectancy in the world. This is a free port with strict laws and high safety index. ...

But now, do you still have to go to Hong Kong to buy insurance? I'm afraid everyone will draw a question mark in their hearts.

Come on, I'll tell you the pros and cons, and you make your own decision.

1

Critical illness insurance's advantages in Hongkong.

Hong Kong has the longest life expectancy in Asia.

Long life and low risk of death. Insurance is a risky business. The smaller the risk, the lower the cost of the insurance company. Therefore, the pricing of products in Hong Kong has a natural advantage and will be relatively cheaper.

Relatively cheap is the first advantage, and advanced product form is the second advantage.

Take multiple payments for cancer as an example. The interval between two cancer payment in Hong Kong is generally three years, and the individual radical payment has reached 1.5 years. The interval between multiple payments for excellent products in the Mainland is three years, less than 1.5 years.

The third advantage is that the insurance policy of Hong Kong has dividends, which will increase the amount of insurance and resist inflation in disguise.

In addition, Hong Kong's critical illness insurance is a US dollar policy, which has allocated us a foreign currency asset to a certain extent. Of course, this is an investment function, so I won't focus on it.

These four advantages belong to the relative advantages of port insurance. As for the so-called:

Insurance in Hong Kong is 30% cheaper than that in Chinese mainland; There are many kinds of insurance diseases in Hong Kong, while there are only 30-40 kinds of critical illness insurance diseases in the Mainland. Hong Kong social rule of law, the principle of good faith, more relaxed claims; Insurance in Hong Kong is humanized, with loose terms and easier claims settlement.

It can be understood that horse racing in Tian Ji, and it is an appropriate sales misleading to compare the excellent products in Hong Kong with the products with the lowest cost performance and the strictest terms in the Mainland.

2

Disadvantages of critical illness insurance in Hong Kong

There are gains and losses. Going to Hong Kong to buy critical illness insurance has advantages and disadvantages.

① Strict health notification

To buy insurance, you need to fill in something called health notification. Do you meet the requirements? , do not meet the requirements of X, and then hand it over to the insurance company, which will judge whether to underwrite it according to what it gets.

For the critical illness insurance in the Mainland, the principle of limited information is adopted for health notification, and questions are answered. For example, a few days ago, we met a customer weighing 250 kg (that is, simple fat, no other diseases ...), and we just found a product that was informed by health, and we didn't ask him about his weight.

Hong Kong's critical illness insurance is similar to "unlimited notice". Everything from fever to cold hospitalization and personal identity information may affect the underwriting of insurance companies. It is necessary to tell the truth, otherwise it is easy to cause disputes when claiming compensation, which has caused most of the storm of rights protection in recent years.

For example, you had a fever three years ago, and the doctor asked you to do a blood routine, and then showed thrombocytopenia. You didn't care, so it passed safely.

I bought port insurance three years later, but I don't remember being ill and didn't tell me. As a result, leukemia developed later.

Sorry, refused to pay.

This is one of the disadvantages of insurance in Hong Kong.

② Limited entry of funds.

A Hong Kong policy can be regarded as a US dollar policy. When foreign currencies are involved, they are easily regulated.

The claims of insurance companies in Hong Kong are generally paid by cheque. In most cases, it is still very safe, but there are always some policyholders whose claims cannot be remitted smoothly.

There are many reasons. Some people say that it is because they have not opened an account in Hong Kong, and some people say that it is the regulation of the SAFE. There are some reasons, but it is impossible to finally determine what it is.

Simply put, the entry of claims will be restricted in many ways, and this restriction is always changing, so the claim may be ... by luck?

Disadvantages, in fact, we mainly look at these two points is enough. Others: There is no uniform definition of serious illness in Hong Kong, and every family is different.

Some thyroid cancers in Hong Kong are mild.

After small claims are made in Hong Kong, the coverage of critical illness insurance will be reduced accordingly.

Hong Kong's long-term policy allows prices to rise.

Don't worry too much, whether you can buy it, whether you can compensate, and whether you can receive the claim, these are the first factors you need to consider. You don't need to care about unimportant details until you think it over.

three

What kind of people are suitable for buying Hong Kong insurance?

After reading the pros and cons, let's discuss what kind of people are suitable for buying Hong Kong insurance.

First of all, there is no need to go to Hong Kong if you are only looking for cheap prices.

First, the cheap insurance in Hong Kong is only relative. There are many consumer goods in the mainland, which are cheaper and more convenient to claim.

Second, it's actually quite troublesome to go to Hong Kong for a walk. You may spend more on food, clothes, housing and shopping than your savings. ...

Secondly, if you just want to configure a serious illness of one or two million, there is no need to go. The reason is actually similar to the above. It is cheaper and more convenient to buy mainland products. If you have time to go to Hong Kong, you can find some excellent mainland products.

Therefore, relatively speaking, people who are suitable for buying Hong Kong insurance should at least have the following labels:

(1) is relatively rich.

Hong Kong insurance is suitable for a few middle-and high-income people/people with overseas asset allocation needs, but not for the general public. If you go all the way to buy a 10w critical illness insurance, it is really not recommended. If you don't have an overseas account, it is basically not recommended.

② Willing to know about insurance in Hong Kong.

Those who are willing to take the time to do their homework should understand the laws of Hong Kong and the obligations of the insured, anticipate the small probability that may occur when making claims in advance, and accept it.

3 healthy people.

As we said, health information in Hong Kong is still relatively strict. In this respect, healthy people have a comparative advantage.

For example, a newborn baby, with a normal birth certificate, is a healthy individual in the eyes of Hong Kong insurance, and will be at ease in insurance and claims settlement.

Of course, if your past medical records are well preserved, you can also take out insurance in Hong Kong. Of course, the most important thing is never to leave out information and leave hidden dangers for your claims.

Only when the above three conditions are fully met can Hong Kong insurance be considered.

Of course, this is just a consideration.

At present, Hong Kong is still in turmoil. Although it is difficult to have any impact on the insurance industry in theory, it has planted the seeds of anxiety in people's hearts. Instead of worrying after buying it, it is better to buy it in the mainland first and wait until it clears up in a few years.

I really want to buy it. When can't I buy it? Don't panic. Let the bullet fly for a while.

four

A little advice

Finally, I will give you a normal idea of buying insurance in Hong Kong for your reference:

Do I want insurance?

(2) What are the advantages of insurance in Hong Kong and what is its use to me?

(3) What are the disadvantages of insurance in Hong Kong, and what is the impact on me? (4) What will happen if you buy Hong Kong insurance, and what will happen if you don't? After weighing, make a choice according to your own preferences.

Insurance is a tool to transfer risks, which can neither be used to show off nor to enjoy.

When dealing with tools, we should ignore the good and bad on the surface. Use them well, it is king to be useful to yourself.

Mint Insurance is a technology-driven third-party insurance platform. YEATION top 1% quality consultants help families solve all insurance problems through 1 professional consulting and customized services, and provide one-on-one insurance consulting, scheme customization, policy management, claim settlement assistance and other life-cycle quality risk protection services for new generation families.