When it comes to insurance in Hong Kong, we have to mention Prudential Hong Kong.
Its fame in Hong Kong is similar to Ping An's position in the Mainland, and it is a big brand that is deeply rooted in people's hearts.
So is the critical illness insurance product of Prudential Hong Kong really as good as its reputation? Is it worth a trip to Hong Kong for insurance?
Senior sister will analyze it for you right away. There are many things. Don't go ~
Before we begin, let's take a look at the gap between Hong Kong insurance and mainland insurance:
Hong Kong Insurance and Mainland Insurance pk! 》
1. What is the strength of Prudential Hong Kong?
Founded in 1848, Prudential is the oldest insurance company in Britain and one of the nine "too big to fail" insurance companies in the world.
Since its establishment, Prudential Group has expanded its business to Asia, Europe, North America, Africa and Australia, with more than 20 million customers worldwide.
Since 1964, it has provided services to Hong Kong citizens, and 20 13 was formally registered in Hong Kong.
Prudential has more than 654.38 million+300,000 customers in Hong Kong. According to the population of Hong Kong, there are 654.38+0 Prudential customers for every 6 people.
The total premium of individual valid policies exceeds HK$ 84.7 billion, the total compensation amount is close to HK$ 4 billion, and the total compensation cases are about 88,000.
On the whole, Prudential Hong Kong still has a long history, with a huge scale and a solid economic foundation!
If you want to know more about Prudential Hong Kong, you can go to the following article:
What is the strength of Prudential Hong Kong? Is the product worth buying? The most comprehensive evaluation of the whole network! 》
After analyzing the specific strength of the company, let's take a look at the performance of Prudential's critical illness insurance products in Hong Kong.
2. How about Prudential Critical Illness Insurance in Hong Kong?
When it comes to Hong Kong Prudential's critical illness insurance, we have to mention its main product-double insurance to protect health and dangerous diseases.
Double insurance for health and serious illness has covered the diseases in 1 13, including 54 major diseases and 59 minor serious diseases, which can provide multiple claims protection.
The choice of premium payment period is flexible, with 5/ 10/ 15/20/25 years for everyone to choose, so that people with different budgets can also find the payment period that meets their own needs.
The following four points are the advantages of this product:
1. If you have cancer, you can get 300% cancer protection;
2. Up to 65438+50% additional guarantee in the first phase of 2005;
3. Humanized design: you can get an extra 20% guarantee for terminally ill and serious diseases;
4. Health or screening programs are very helpful to prevent diseases.
Generally speaking, it is very good to protect health and danger and double the protection of this critical illness insurance.
So if we go to Hong Kong to insure this product, is it worth it? Let's continue to analyze!
3. Is it worthwhile to go to Hong Kong to buy Prudential Insurance?
If you live in the mainland and your income is not high, senior sister does not recommend buying Hong Kong insurance.
Because mainland citizens buying Hong Kong insurance will be subject to the following two restrictions:
1. Pay attention to buying insurance in Hong Kong. Insurance in Hong Kong is not protected by mainland laws, but only by Hong Kong laws.
You have to sign when you buy insurance, and you have to go to Hong Kong to complete the verification of buying insurance. For those Hong Kong policies that are not signed in Hong Kong, these policies are illegal and are not within the scope of legal protection.
Therefore, when you plan to apply for insurance in Hong Kong, you need to consider the following factors: the cost of time and money to and from Hong Kong.
Due to the limited foreign exchange, each person's annual foreign exchange quota is only $50 thousand.
Suppose your annual premium exceeds $50,000, how to pay the premium is the first problem you need to solve.
In addition, how to move those insurance claims that have exceeded $50,000 to China safely is the second problem you need to solve.
At the same time, don't forget the exchange rate changes when paying fees. The fees paid in each period may be different after being converted into RMB.
Moreover, at present, insurance in the Mainland is becoming more and more affordable, and the procedures for insurance, compensation and claims settlement are not as complicated as those in Hong Kong. There is no point in going to Hong Kong for insurance.
It is not enough to talk by mouth, but also to provide evidence. Senior sister has found several mainland insurances with higher quality than those in Hong Kong for your reference:
Ten types of mainland insurance with much higher cost performance than Hong Kong insurance.
On the whole, although the strength of Prudential Insurance Company in Hong Kong is excellent enough, insurance companies in the Mainland are not inferior to it.
Moreover, at present, the cost performance and protection of mainland insurance are relatively good, so there is no need to buy Prudential insurance in Hong Kong.
Write it at the end
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