Mint Bora helps you analyze ~ ~

We always like to go to Hong Kong to find things:

Children's milk powder, newly listed electronic equipment, fashionable clothes, high-end luxury goods and insurance.

There are many reasons, such as cheap price, better quality and more fashionable products. Of course, the most important thing is "security".

when we buy a lot of things, we are buying a sense of security.

domestic milk powder is unsafe, so we choose to buy it; Samsung's mobile phone is not safe, so we choose other;

It's also a truth to buy insurance. Just as Ping An Fu products are still bought at a very high premium, Hong Kong insurance has been favored by a large group of people with Hong Kong as the endorsement of the international financial center in the Eastern Hemisphere.

In the past,

Hong Kong is the center of international finance in the eastern hemisphere and the place with the longest life expectancy in the world. It's a free port with strict laws and high safety index ...

But now, do you still have to go to Hong Kong to buy insurance? I'm afraid everyone will draw a question mark in their hearts.

come on, I'll tell you the pros and cons, and you can make your own decision.

1

Advantages of Hong Kong's critical illness insurance

Hong Kong has the longest life expectancy in Asia.

With a long life expectancy, the risk of death is small. Insurance is a risky business. The smaller the risk, the lower the cost of insurance companies. Therefore, product pricing in Hong Kong has a natural advantage and will be relatively cheaper.

relatively cheap is the first advantage, and advanced product form is the second advantage.

In terms of multiple payments for cancer, the interval between two payments for cancer in Hong Kong is generally three years, and individual radical payments have been made for 1.5 years, while the interval between multiple payments for excellent products in the Mainland is all three years, which is less than 1.5 years.

The third advantage is that the insurance policy of Hong Kong Insurance has dividends, which will be divided into the insured amount, and the insured amount will grow, thus resisting inflation in disguise.

In addition, the critical illness insurance in Hong Kong belongs to the US dollar policy, which has allocated us a foreign currency asset to a certain extent. Of course, this belongs to the investment function, so I don't want to focus on it.

These four advantages belong to the relative advantages of Hong Kong insurance. As for what is called:

Insurance in Hong Kong is 3% cheaper than that in mainland China; There are many kinds of insurance diseases in Hong Kong, but there are only 3-4 kinds of serious illness insurance diseases in the Mainland. Hong Kong society ruled by law, the principle of good faith, more relaxed claims; Hong Kong insurance is humanized, with loose terms, making it easier to settle claims;

It can be understood that we are engaged in horse racing in Tian Ji. Comparing Hong Kong's excellent products with those with the lowest cost performance and the most stringent terms in the Mainland is a proper misleading sales.

2

Disadvantages of Hong Kong's critical illness insurance

If you gain, you will lose. Going to Hong Kong to buy critical illness insurance has advantages, and naturally there will be disadvantages.

① Health notification is strict

To buy insurance, you need to fill in something called health notification, and if it meets the requirements? , do not meet the requirements of x, and then handed over to the insurance company, the insurance company according to get things to judge whether to underwrite.

For the critical illness insurance in the Mainland, the principle of limited notification is adopted for health notification, and you can answer whatever you ask. For example, we met a customer weighing 25 kg a few days ago (that is, he was simply fat and had no other illness ...), but we just found a product that was informed by health and didn't ask about his weight.

Hong Kong's critical illness insurance is similar to "unlimited notification". Everything from a fever to a cold in hospital and personal identity information may affect the insurance company's underwriting, so we should tell it honestly. Otherwise, disputes will easily arise when making claims, and most of the rights protection storms in recent years are caused by this.

For example, three years ago, you had a fever, and the doctor asked you to have a blood routine, and then you showed a decrease in platelets, and you didn't care, so you passed safely.

I bought insurance in Hong Kong three years later, but I didn't remember the illness and didn't tell me. As a result, leukemia happened later.

sorry, I refuse to pay.

This is one of the disadvantages of insurance in Hong Kong.

② Restricted entry of funds

Hong Kong policies can be regarded as US dollar policies, and when foreign currencies are involved, they are easily regulated.

The claims of insurance companies in Hong Kong are generally paid by cheque. In most cases, it is still very safe, but there are always some policyholders whose claims cannot be remitted smoothly.

There are many reasons. Some people say that it is because they have not opened an account in Hong Kong, while others say that it is stipulated by the SAFE. All of them have some truth, but they can't finalize what it is.

To put it simply, the entry of claims will be restricted in many ways, and this restriction is always changing, so the claim may be ... depending on luck?

In fact, it is enough for us to mainly look at these two points for shortcomings. Others: There is no uniform definition of serious illness in Hong Kong, and each family is different.

Some thyroid cancers in Hong Kong are mild.

After the claims for minor illness in Hong Kong are settled, the coverage for serious illness will be reduced accordingly.

The long-term policies in Hong Kong are allowed to increase in price.

You don't have to worry too much about whether you can buy or compensate, and whether you can receive the claims.

3

What kind of people are suitable for buying Hong Kong insurance

After reading the advantages and disadvantages, let's discuss what kind of people are suitable for buying Hong Kong insurance.

first of all, there is no need to go to Hong Kong if we are only pursuing cheap prices.

First, the cheap insurance in Hong Kong is only relative. There are a lot of consumer products in the Mainland, which are cheaper and more convenient to claim.

Second, it's actually quite troublesome to go around Hong Kong. You may spend more on food, clothing, housing and shopping than you can save ...

Secondly, there's no need to go if you just want to configure a serious illness of one or two million, because the reason is actually similar to the above. It's cheaper and more convenient to buy mainland products. If you have the time to go to Hong Kong, you can find several excellent mainland products.

Therefore, relatively speaking, people who are suitable for buying Hong Kong insurance should at least have the following labels:

① Hong Kong insurance is relatively rich

It is suitable for a few middle-and high-income people/people with overseas asset allocation needs, and not suitable for the general public. If you go all the way to buy a $ 1w critical illness insurance, it is really not recommended. If there is no overseas account yet, it is basically not recommended.

② Willing to know about insurance in Hong Kong

People who are willing to spend time doing their homework, understand the laws of Hong Kong and the obligations of the insured, anticipate the small probability that may occur when making claims in advance, and accept it.

③ Healthy people

As we said, health information in Hong Kong is still relatively strict. In this respect, healthy people have an advantage in buying talents.

For example, a newborn baby, whose birth certificate is normal, is a healthy individual in the eyes of Hong Kong insurance, and will be very comfortable in insurance and claims settlement.

Of course, if your past medical records are well preserved, you can also take out insurance in Hong Kong. Of course, the most important thing is never to leave out information, leaving hidden dangers for your claims.

Hong Kong insurance can only be considered when the above three conditions are fully met.

of course, it's just a consideration.

At present, there is still turmoil in Hong Kong. Although it is difficult to have any impact on the insurance industry in theory, it still leaves seeds of anxiety in people's hearts. Instead of worrying after buying it, it is better to buy it in the mainland first and wait until it is clear in a few years.

I really want to buy it. When can't I buy it? Don't panic. Let the bullets fly for a while.

4

A little suggestion

Finally, give me a normal idea of buying insurance in Hong Kong for reference:

① Do I want to buy insurance

② What are the advantages of insurance in Hong Kong and what are its uses for me

③ What are the disadvantages of insurance in Hong Kong? ④ What will happen if you buy insurance in Hong Kong? What will happen if you don't? After weighing, according to your own preferences.

When dealing with tools, you don't have to pay attention to the superficial good or bad. It is king to use them well and be useful to yourself.

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