Before, I also summarized the top ten Hong Kong insurances worth buying. Click the link below to get the list:
Top ten insurance stocks worth buying in Hong Kong!
Let's talk about the exchange rate first. Generally, when we buy insurance in Hong Kong, we usually pay the premium in Hong Kong dollars, so we should consider the exchange rate. If you buy long-term insurance in Hong Kong, if the RMB (linked to the exchange rate of the Hong Kong dollar) continues to appreciate, the Hong Kong dollar will depreciate accordingly.
Regarding health notification, at present, the health notification of insurance in Hong Kong adopts the principle of unlimited notification.
The so-called unlimited notification means that the insured needs to fully explain the health status of the insured when applying for insurance. Even if you don't ask about the product's health notification, you should tell the truth, otherwise the insurance company may refuse to pay compensation when it is out of danger in the later period, causing claims disputes.
At present, mainland insurance adopts limited notification, that is, the insured will answer whatever the product health notification asks, and there is no need to answer what is not asked, which is relatively more relaxed.
Here, I also summarized some mainland insurance products with high cost performance. Friends in need can also compare and see more:
Ten kinds of mainland insurance with much higher cost performance than Hong Kong insurance.
To sum up, buying insurance is still very complicated, and buying insurance in Hong Kong, in addition to the above, everyone should also pay attention to their own suitable types of insurance. If they buy it wrong, they may spend money.
How to buy insurance for people of different ages is more appropriate? You can see the following plan:
How to buy insurance at different ages? Everyone should have his own plan.
That's all the answers. Please accept them.
The same number on the whole network: Xueba said insurance, welcome to search!