For example, Wang bought a critical illness insurance policy when he was 30 years old and paid it off over 30 years, and the waiver of liability for the critical illness insurance policy covers minor, moderate and serious illnesses.
After 5 years, Wang triggers the exemption clause due to a diagnosis of a minor illness, and then he doesn't have to pay the premiums for the next 25 years, but he can continue to enjoy the coverage agreed in the contract.
Expanded Information:
According to the Certain Persons Arriving in Hong Kong Compulsory Quarantine Regulations, all persons who have stayed in the mainland during the 14 days prior to their arrival in Hong Kong must be subject to 14 days of compulsory quarantine, regardless of their nationality and travel documents; the validity period of the regulations will be extended to the 7th of the following month after the expiration of the regulations on the 7th of June. As for those who have stayed in foreign countries/territories specified in the Regulation on Compulsory Quarantine of Persons Arriving in Hong Kong from Foreign Countries on the 14th day before their arrival in Hong Kong, they are subject to 14 days of mandatory quarantine regardless of their nationality and travel documents, and the regulation will be extended to September 18 after its expiry on June 18," the spokesman said.
However, with the easing of the epidemic in the two places, Hong Kong wants to restart its economy gradually. In recent times, the Hong Kong government has successively exempted a number of categories of practitioners, such as accounting professionals, construction professionals, scientific researchers and medical personnel, from the 14-day mandatory quarantine after returning to Hong Kong from the mainland.
At the same time, the Hong Kong Government is also discussing with the mainland authorities on the mutual recognition of the test results of the New Crown Pneumonia Virus (NCPV), so as to exempt the relevant cross-boundary persons from the mandatory quarantine. At present, the HKSAR Government has exempted 26 categories of persons arriving in Hong Kong from the Mainland, Macau or Taiwan from the mandatory 14-day quarantine arrangement. The specific categories of persons exempted are as follows:
Categories of persons exempted from the project
1Drivers of cross-boundary goods vehicles and their necessary escorts
2Drivers of cross-boundary buses and shuttles and their necessary attendants
3Crews required to travel between Hong Kong and the Mainland, Macao and Taiwan to perform their duties
4Government officials required to carry out Government-related operations Officials
5Personnel of government agencies and contractors who are required to deal with cross-boundary operations
6Crew of cargo ships (exemption only applies to cargo ships in relation to cargo operations)
7Crew of fishing vessels and fish collectors (including Mainland transient workers)
8Organisations entrusted by the Director of Social Welfare of the HKSAR Government with the responsibility of providing welfare support to Hong Kong residents in the Mainland
8Related personnel of organizations providing welfare support to Hong Kong residents in the Mainland
9Staff of organizations providing welfare support to Hong Kong residents in the Mainland
10 (b) relevant personnel of organizations which provide welfare support to Hong Kong residents residing in the Mainland
9 construction personnel who are required to work in the Mainland for the purpose of ensuring the quality, completeness and compliance with statutory requirements in respect of the services or construction components or materials used in various Government projects, public housing projects and Airport Authority projects, and for whom there is no other alternative
10 personnel who are required to carry out research for the purpose of responding to the 2019 Coronavirus Disease Epidemic and/or providing advice to the Government of the Hong Kong Special Administrative Region (HKSAR) Academic experts or relevant personnel of international organizations providing advice to the Government of the Hong Kong Special Administrative Region
11Staff of Sheung Shui Slaughterhouse and food animal importers residing in the Mainland
12Staff and relevant personnel of public ****bodies and their partner organisations supplying wristbands and other related materials for home quarantine purposes
13Staff and relevant personnel of public ****bodies and their partner organisations supplying personal protective equipment, raw materials thereof or production equipment for Hong Kong
13Staff of public ****bodies and their partner organisations supplying personal protective equipment, raw materials thereof or production equipment for Hong Kong Relevant persons of public *** agencies and their partners, institutions, companies or organizations