Hong Kong's critical illness insurance is mostly dividend-paying critical illness insurance products, and the insurance coverage usually increases with time. Hong Kong's critical illness insurance has dividends, which can better cope with inflation and rising medical expenses.
In addition, because the definition of diseases in Hong Kong's critical illness insurance is not uniform, they are all formulated by insurance companies themselves, and there may be differences between different insurance companies, so the definition of some diseases may be more relaxed than that in the Mainland.
However, it should be noted that the health notification of critical illness insurance in Hong Kong is unlimited and will be stricter than that in the Mainland. If a friend doesn't know much about health advice, you can read this article: Is the health advice from the insurance company making things difficult for us?
The expected internal rate of return of Hong Kong's savings dividend insurance can usually reach 6%-7%, which is more suitable for long-term future planning, such as children's education and pension planning, and is a good choice for high-net-worth people.
However, when mainlanders go to Hong Kong to buy insurance, they need to personally sign the insurance policy in Hong Kong to be protected by Hong Kong laws. There will also be certain purchase costs during this period, so everyone should consider it clearly.
For more comparisons between Hong Kong insurance and mainland insurance, please refer to this article: Hong Kong insurance and mainland insurance pk!
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