-critical illness insurance
1. The coverage of critical illness insurance in Hong Kong is wider, the premium is lower and the coverage time is longer. A price comparison made by insurance experts shows that the insurance premium in Hong Kong is only about 60% of that in the Mainland. The critical illness insurance in Hong Kong is guaranteed for life.
2. There are at least 6 kinds of serious diseases stipulated in the Mainland, and there are 25 kinds of serious diseases uniformly stipulated in the whole country, while most types of insurance in Hong Kong contain more than 30 kinds of serious diseases, and some even exceed 50- 100 kinds of serious diseases.
3. On the other hand, Jiafeng Ruide's financial planner said that mainland insurance companies have strict definitions of diseases, such as "hereditary diseases, congenital chromosomal abnormalities" and "the insured commits suicide within two years". In many other cases, mainland insurance companies do not underwrite, while in Hong Kong, only "the insured commits suicide within 1 year" and "breaking the law" do not underwrite.
Hong kong insurance
-High-end medical insurance
High-end medical insurance, Hong Kong insurance has strong pertinence and obvious advantages. For example, a high-end medical insurance in Hong Kong, Jiafeng Ruide's financial planner summed up seven advantages:
1, providing lifelong medical insurance of up to HK$ 50 million.
2. The available medical fund is as high as HK$ 20 million every year.
3. Pay for hospitalization and treatment of all diseases.
4. Enjoy the top 5% quality medical services in the world.
5. Direct settlement of hospitalization in designated hospitals (hospitalization is free), and lifetime guarantee is renewed.
6. Buy out the lifelong medical expenses with a limited amount (about 360,000-1.20,000 RMB).
7. The minimum payment period is 6 years. After 12 years, all the paid principal can be recovered at any time, and the dividend surplus is considerable.
Hong kong insurance
-Large insurance
1, it is also more cost-effective to go to Hong Kong to buy large life insurance. Take the large life insurance of an insurance company in Hong Kong as an example. If the customer pays the premium equivalent to $654.38+00,000, he can get compensation of $5 million for any reason before he is 87 years old and pay it directly to the beneficiary.
2. The contribution ratio of life insurance in Hong Kong is equivalent to 1: 5. If a loan is used, the payment ratio is equivalent to 1: 22.
Then, how should domestic high-net-worth individuals and families allocate Hong Kong insurance more reasonably?
In this regard, Jiafeng Reid provides you with the following standard product portfolio solutions:
1, general family: combined with major illness and savings insurance (1+3)
2. High-end individual customers: combined with major diseases, high-end medical care and savings insurance/investment plan (1+2+3/4).
3. Inheritance of wealth: high cash value life insurance in savings insurance.
4. Overseas asset allocation: fixed-rate life insurance and investment plan.