Before we begin, you can know the difference between Hong Kong insurance and mainland insurance: Hong Kong insurance and mainland insurance pk!
I. Benefits
1, the premium is cheaper.
Life expectancy will affect the insurance premium in Hong Kong. The average life expectancy in Hong Kong is relatively long, and the mortality rate of insured people of all ages is relatively low. So from this perspective, the premium of insurance in Hong Kong is relatively cheap.
2. The definition of some diseases is very broad.
In terms of critical illness insurance, Chinese mainland has 28 unified definitions of high incidence and critical illness. There is no uniform standard for the definition of disease in Hong Kong. This also means that the definition of some diseases will be looser than that of the mainland, so that the threshold for claims will be lowered and the probability of compensation will be greater.
If you have the need to insure Hong Kong insurance, then take a look at this list: the top ten Hong Kong insurance stocks worth buying!
Second, shortcomings.
1. Health notification is strict.
If you are insured in Hong Kong, you generally need a physical examination. And what is the health notice of Hong Kong insurance? Unlimited notice Principle. In other words, whether the insurance company has asked or not, you should tell your physical condition truthfully.
Insurance is not very convenient.
According to the insurance regulations of Hong Kong, mainland residents who want to apply for insurance in Hong Kong need to go to Hong Kong with relevant documents. In other words, mainland residents who want to apply for insurance in Hong Kong must go to Hong Kong in person. Compared with direct insurance in mainland China, it is still inconvenient.
In fact, the development of insurance in the Mainland is very rapid now, and the insurance products are constantly updated and iterated. There are many products with high cost performance. Interested friends can have a look: ten types of mainland insurance with much higher cost performance than Hong Kong insurance.
Hope to adopt
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