1. Hong Kong, Macao and critical illness insurance.
1. Hong Kong and Macao critical illness insurance has high coverage, low premium and long guarantee period. For the same type of policies, the premium in Hong Kong is only about 60% of that in the Mainland. Moreover, Hong Kong's critical illness insurance has dividends and is guaranteed for life.
2. Hong Kong and Macao's critical illness insurance covers a wide range, and mainland insurance companies only provide more than 30 major diseases. In contrast, critical illness insurance in Hong Kong and Macao can cover more than 50 major diseases, and also provide more than 60 kinds of early or non-serious protection such as cancer in situ, totaling hundreds of diseases, such as autism, cancer in situ, severe asthma and vegetative state.
3. Mainland insurance companies have stricter definitions of diseases, such as "hereditary diseases, congenital chromosomal abnormalities" and "the insured commits suicide within two years", which are not covered by mainland insurance companies, while "the insured commits suicide within 1 year" and "breaking the law" are not covered by Hong Kong and Macao.
4. The coverage of critical illness insurance in the Mainland is very wide, and there are many reasons for refusing to pay compensation when making claims, while the coverage of critical illness insurance in Hong Kong and Macao is very wide. As long as the insurance is successful, all claims will be paid as long as the customer's application form and written certificate are received.
2. Savings insurance for Hong Kong and Macao insurance.
More and more mainlanders in China are buying savings life insurance plans from insurance companies in Hong Kong. The advantages can be summarized as follows:
1, with high dividends, is the only company that publicly promises to distribute 90% of its profits to policy customers, and its long-term return exceeds 6%, accumulating in the form of compound interest.
2. Flexibility, one-time /5-year/10-year contribution period, which can flexibly extract dividends and cash value to meet the financial needs of different stages of life (such as education, marriage, venture capital and pension).
3. The amount of exemption from medical examination is high, the total number of policies for each insured is no more than 5, and the annualized premium is no more than 6.5438+0.25 million dollars/10 million Hong Kong dollars. Exempt from medical underwriting, convenient and fast.
4. The insured age is wide, and anyone up to 75 years old can be insured under the one-time premium; A five-year contribution plan can cover people under 70. /5. Unified insurance premium rate, regardless of the age, gender, physical condition and smoking habit of the insured.
5. Tax-free wealth inheritance: You can designate beneficiaries to realize tax-free inheritance in family fortune by relying on the insurance platform. Under the long-term compound interest effect, one insurance policy can realize the prosperity of three generations.
3. High-end medical insurance in Hong Kong and Macao.
High-end medical insurance, Hong Kong insurance has strong pertinence and obvious advantages. For example, a high-end medical insurance in Hong Kong can be summarized into 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. Direct settlement of hospitalization in designated hospitals (hospitalization is free), and lifetime guarantee is renewed.
5. You only need to pay a little premium every day to enjoy high hospitalization security and VIP medical services that break through the medical insurance limit.
6. Unfortunately, in case of serious injury or illness during the journey outside Hong Kong and Macao, you can enjoy the emergency support service guarantee as high as HK$ 65,438+0,000,000/MOP.
Four, Hong Kong and Macao insurance large life insurance.
It is also more cost-effective to buy large life insurance in Hong Kong. Take the large life insurance of an insurance company in Hong Kong as an example. The customer pays the premium equivalent to $654.38 +00,000 yuan, and before the age of 87, he can get a compensation of $5 million for any reason and pay it directly to the beneficiary. The compensation ratio is equivalent to $654.38 +0: 5.