Hong Kong insurance also has some disadvantages:
1, the need to personally go to Hong Kong to sign the contract;
2, the Hong Kong insurance fund investment is relatively free, high income is also high risk, the benefit demonstration of dividends is high, but can not be determined by the contract does not mean that the last one can get it!
3, critical illnesses have more problems, the definition of disease is different from the domestic, domestic recognized medical institutions are limited (there are many hospitals in Hong Kong insurance companies do not agree), some of the types of critical illnesses in the country can reach 106 kinds of insurance, six groups of six times, claims convenience.
4, participating and life insurance, but also to consider the exchange rate risk, Hong Kong insurance is generally settled in Hong Kong dollars and U.S. dollars, exchange rate fluctuations should also be considered