How to choose is too broad a question. But I can talk about some tips on insurance selection first. No matter where you buy insurance or which product you buy, you can use them:
Before buying insurance, you must first understand these key knowledge points! Back to the theme, let me talk about it from the following aspects:
This article focuses on: What products does AIA Hong Kong have and who is suitable for it? What are the advantages and risks of buy buy AIA? 1. What products does AIA Hong Kong have and who is suitable to buy AIA in Hong Kong? There are many popular products, mainly as shown in the figure:
Just looking at the hot products is dazzling, let alone evaluating them one by one. Even if I test them, it is estimated that no one can patiently read it.
So get to the point. I selected a representative Jiayu Zhibeibao 2 for evaluation and looked at its basic form:
0 1| basic guarantee 1) comprehensively covers 58 kinds of serious diseases, including 57 kinds of serious diseases, non-serious diseases 1, and compensation 1 time.
2) 44 kinds of mild diseases and 13 kinds of children's serious diseases are guaranteed with unlimited compensation.
3) specific disease protection, providing multiple compensation for cancer, heart disease and stroke.
4) Protection of children's congenital diseases and diseases caused by congenital diseases.
Generally speaking, Jiayuzhi Double Insurance 2 is quite satisfactory, so let's take a look at how it compares with popular critical illness insurance products: What are the good critical illness insurance recommendations? I just sorted out the relevant content, hoping to help you: the latest list! Top critical illness insurance list of national insurance companies!
136 national epidemic critical illness insurance comparison table 02| Advantages and disadvantages:
1) Upgrade guarantee for the first ten years. Under 30 years old: the original insurance premium is 50%, 3 1 year old or above: the original insurance premium is 35%.
2) It has dividend distribution function. The premium keeps rising with a high return on investment, which is higher than that of similar seriously ill products in the market.
3) Flexible choice of cancer treatment methods. The market takes the lead in strengthening anti-cancer protection. You can choose to shorten the waiting period for cancer from 3 years to 1 year, and pay 40% of the original insurance amount.
Disadvantages:
1) The threshold of premium exemption for minor illness is too high, and the premium will be exempted only after the minor illness payment reaches the basic insurance amount.
2) The proportion of compensation for some minor illnesses is too low. The highest can pay 50%, and the lowest is only 10%, such as osteoporosis.
3) The protection of multiple payments is not comprehensive enough, and multiple payments are only for cancer, heart disease and stroke.
There is also a place to pay attention to, that is, the payment for minor illnesses will affect the insurance coverage and dividends for serious illnesses. Jiayuzhibeibao No.2' s insurance plan clause says: After the payment occurs, the dividend, cash value and total insured amount will be reduced accordingly.
Generally speaking, the safety of Jiayuzhi PayPal 2 is really ok, especially for cancer, but there are still many shortcomings.
In addition, due to the product form of dividend+lifelong death protection+disease protection, it is also doomed to be relatively expensive. If you don't attach great importance to port insurance, it is not recommended to buy it.
I have also evaluated the insurance worth buying in Hong Kong, and AIA's overall performance is still very good. Many products are on the list. Want to know what products of AIA Hong Kong are worth buying? I suggest reading this article:
Top ten insurance stocks worth buying in Hong Kong! I'll nag a few more words here. If you have sufficient budget and prefer AIA brand, you can consider it. But if you don't pursue the brand excessively and just want to buy products with high cost performance, you can consider other products:
Top ten popular critical illness insurance stocks worth buying! As AIA is an insurance company in Hong Kong, I would like to tell you the advantages and risks of buying insurance in Hong Kong.
Second, what are the advantages and risks of buying Hong Kong insurance In recent years, Hong Kong insurance has attracted many mainlanders to buy insurance in Hong Kong with its unique advantages.
1, low rate, high insurance coverage
With the same coverage, the premium purchased in Hong Kong will be 30%-40% cheaper than that purchased in the Mainland, which is one of the main reasons why mainland residents go to Hong Kong to buy insurance.
2. High dividend
Hong Kong insurance enjoys dividends, and the insured amount increases with time, while the mainland generally does not increase the insured amount with time.
With the rising medical expenses, seeing a doctor will become more and more expensive, and mainland insurance policies cannot resist inflation.
3. The policy terms are relatively more humane.
There is only one exemption clause for life insurance in Hong Kong: 1 ~ 2 years without compensation for suicide, and the premium will be refunded.
Mainland insurance companies pay for many things: drunk driving, crime, crime, earthquake, natural disasters and so on.
4. Some diseases have loose claims.
There are uniform industry standards for the definition and compensation conditions of 25 kinds of high and critical diseases in the Mainland, while insurance companies in Hong Kong can make their own definition and compensation conditions, so this aspect will be relatively loose.
But mainlanders should also pay attention to these risks when buying insurance in Hong Kong:
1. Insurance policies in Hong Kong are not protected by mainland laws. You must go to Hong Kong to sign the insurance contract in person, and the insurance policy is legal.
2. There are exchange rate risks and foreign exchange policy risks.
3. There is uncertainty in the policy income.
4. The early cash value of the policy is low, and the loss of surrender is large.
From the above analysis, Hong Kong insurance has a good advantage, and it is also risky for mainlanders to go to Hong Kong to buy insurance. In fact, there are many cost-effective insurance products in the Mainland. Before you buy, you might as well take a look at this:
Ten kinds of mainland insurance with much higher cost performance than Hong Kong insurance.