1, terminal illness can be claimed. The Prudential's critical illness insurance, in addition to ordinary cancer and other more than 50 kinds of common cancers, there is also a "terminal illness" option on the critical illness insurance. The so-called terminal illnesses, that is, diseases that have not been detected before but can be defined as major illnesses once they are detected, such as atypical pneumonia in the year, that is, SARS, are not listed in the list of illnesses in some domestic insurance companies, and domestic insurance companies can refuse to settle claims when some sudden major illnesses occur. However, in order to prevent this situation, the Hong Kong government has stipulated that insurance companies practicing in Hong Kong must have this item;
2, even in other diseases, Hong Kong insurance covers many diseases that domestic companies do not provide claims, such as Kawasaki disease.
3, as with other insurance in the world except for mainland China, the insurance purchased on the Hong Kong side, when you need to claim in any country or region of the world (including mainland China), as long as you can provide the company certified diagnostic reports from domestic hospitals (almost all the hospitals of the third class or above belong to one of the certified hospitals. In my hometown of Zhaoqing, for example, there are three), the insurance company will provide claims. Insurance in mainland China, on the other hand, only accepts cases where claims are filed in China. Simply put, assuming you emigrate later, the insurance you have in China is pretty much null and void.
4, the insurance coverage is also reflected in the cancer in situ of the advance compensation. The so-called carcinoma in situ is a tumor that has been found to have the characteristics of a malignant tumor, but has not yet invaded other tissues. At the stage of carcinoma in situ, the condition can be controlled with only certain treatment. Therefore, insurance companies in Hong Kong can advance a portion of the insured amount (around 20-30%, the exact amount may vary slightly depending on the company) for treatment after the client is found to have carcinoma in situ. On the contrary, some companies in China may only be able to file a claim when the cancer is at an advanced stage.
5, the wide coverage is also reflected in the fact that almost all of Hong Kong's major diseases as well as medical insurance are insured for life. Simply put, let's say you've been paying for critical illness insurance for 20 years, but after thirty years something goes wrong and the insurance is still in effect. And you have been healthy and fine, to the age of 70 or 80, you can get a sum of money to do what you want to do or give your offspring, because the critical illness insurance is something as insurance, nothing as savings, and its rate of return is higher than the ordinary bank deposits.
Two, the rate advantage.
The rate advantage of Hong Kong's catastrophic illness insurance rate is generally only 1/2 or 1/3 of the domestic rate.
Additionally, the biggest difference between Hong Kong's insurance rate and the domestic rate is that the premium remains unchanged, and the amount of coverage will increase over time. For example, a simple critical illness insurance from Prudential, when you buy a critical illness insurance for 20 years at the age of 23, you only need to pay 525 RMB per month, and you will be able to enjoy a coverage of 67,796 USD. And when you reach the age of 53, the sum insured can reach $104,424. When you reach the age of 100, this critical illness insurance can be regarded as a life insurance, and the sum insured has risen to $848,927. That means your children will receive $848,927, assuming you live to age 100 without any major illnesses. And, for the 20 years you've been contributing to the policy, the amount you pay each month will be the same, 525 yuan.
Third, savings insurance has a high rate of return.
The savings insurance mentioned here is actually participating life insurance. According to Hong Kong insurance industry data, Hong Kong savings-type insurance returns mostly in 5% to 10% or so, plus annual cash dividends and so on up to 30% or so, while the mainland with-profits insurance, universal life insurance, and other interest rate level is only maintained at about 4%. As long as the investment channels for mainland insurance funds are not relaxed, the gap between the two places in insurance will remain. Take the profit-sharing model of the Prudential Corporation in the United Kingdom as an example, its products adopt the British style of pink, with dividends accruing to the sum insured on a compound rolling basis. A larger proportion of the insurer's capital is invested in long-term bonds, so long-term returns will be higher. Taking the example of parents taking out a policy for a one-year-old boy, with a one-year contribution of RMB500,000 and five years of public funding, a **** contribution of RMB2.5 million is made. Assuming that no cash is collected in the middle of the year, at the age of sixty-five, the account has increased in value to RMB 174.94 million, and at the age of eighty-five, the account has increased to RMB 743.76 million, and it will still be increasing year by year. In addition, the same plan, assuming that after five years of contributions, his parents want to that dividends every year, you can start from the sixth year, each year to withdraw $ 100,000, can be guaranteed until the son is 100 years old. And while receiving cash, the account balance will also continue to grow year after year. It is also equivalent to, you five years, a *** spend 2.5 million yuan to buy a house, you from the sixth year onwards can get 100,000 yuan per year rent, and the house itself is still in the appreciation of value.
Fourth, Hong Kong policies are settled in US dollars or Hong Kong dollars, so taking out a policy in Hong Kong is considered part of offshore asset management.
In fact, Hong Kong's insurance competitiveness is indeed much stronger than the mainland's. After all, the mainland's insurance industry has just started, belonging to the initial stage, there is still a lot of room for development. But with the passage of events, the mainland's insurance industry will also continue to grow in healthy competition.
Adding a case in point, a customer once asked me why Hong Kong insurance policies are not required to show proof of medical examination as long as the amount is not too large, but just fill out a questionnaire on the end of the matter, and my answer is that Hong Kong, or other insurance outside of mainland China, is more based on mutual trust and enter into a contract, so as long as you say that there is no, we believe that there is no, which is a statutory principle of the insurance industry in Hong Kong. This is the statutory principle of the insurance industry in Hong Kong - "the principle of utmost good faith". As for the deliberate concealment of what to do ~ can only say, as long as you can show you are not deliberately concealment of the evidence or we can not provide you deliberately concealment of the evidence, you are entitled to enjoy the claim ~
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