Insurance is mainly to protect the risk of unsustainable labor and investment, especially the risk of serious illness or even death. No matter how substantial your income is now, once you are seriously ill, your cash flow will be cut off and your quality of life will drop sharply. Therefore, insurance is essentially a hedge against risks. What kind of insurance should I buy? I bought critical illness insurance for my whole family and an education fund for my two children. First of all, critical illness insurance: one reason is that environmental pollution is very serious now. I showed a friend who is doing hospital research the incidence data of serious diseases, which was shocking and unbearable to look directly at. He said that if this continues, the incidence of serious diseases in the mainland will break out in an all-round way in ten years, and I have to consider this risk. Critical illness insurance is not reimbursement type. If you find out a serious disease stipulated in the insurance contract, the insurance company will give you a sum of money, which you can use to treat the disease, or you can choose to travel without treating the disease or leave it to your children (if you really choose not to treat the disease). Therefore, this insurance is a real hedge, because it does not stipulate your plan to treat diseases, nor does it restrict the use of drugs, so the probability of claims going wrong is relatively small. I bought critical illness insurance for myself, my husband and two children. In the case of limited budget, the purchase principle is that adults give priority, economic pillars give priority, and children don't have to buy. But under the same amount of insurance, the child's premium will be cheaper, about half of ours. Do you want to buy an education fund The essence of education subsidy is compulsory savings, so the necessity varies from person to person. If you love saving and have a good financial plan, you don't need to buy an education fund at all. There are two main reasons why I buy education subsidies: First, I have no plan and no restraint in spending money, so I need to force myself to buy similar products; Second, I am personally worried about the risk of RMB depreciation, and my children have plans to study abroad in the future and need the allocation of US dollar assets, so I bought the US dollar-denominated education fund products. To sum up, the essence of critical illness insurance is protection, and the essence of education fund is compulsory savings. 3 Why go to Hong Kong to buy insurance 1) The first factor, of course, is because it is cheap! For the same amount of insurance, the premium in Hong Kong is lower. I have compared the critical illness insurance between Hong Kong and the Mainland. The same person buys the same quantity of products, and the premium is about 20%-30% cheaper. This is because the average life expectancy in Hong Kong is 85 years, which is higher than that in the Mainland 10 years, and the mortality rate is also lower, so the premium is cheaper. To put it another way, if the insurance budget is the same, if you buy it in Hong Kong, it will probably be 20%-30% more expensive than the mainland. 2) Hong Kong can buy US dollar products. Raiders Jun himself is engaged in finance and buys US dollar products for two reasons: First, he is very worried about the trend of RMB exchange rate. I feel that it is because China's various resource elements, including labor, have been greatly improved compared with previous years, and it has completely lost its cost advantage to countries such as Southeast Asia; As an exchange rate buffer pool, foreign exchange reserves have also fallen sharply, so under the same circumstances, buying US dollar products has become my first choice, and Hong Kong can buy US dollar insurance products. On the other hand, because the two children also have plans to study abroad in the future, buying US dollar products will be more in line with future expenses. 3) Insurance coverage in Hong Kong is wider. Insurance products in Hong Kong can be guaranteed globally. No matter whether the insured is traveling, traveling or studying abroad, in case of illness or accident, he can enjoy the protection of the insured's insurance products in Hong Kong. At present, there are restrictions on regional compensation for products such as medical insurance in the Mainland. In critical illness insurance and the Mainland, there are generally about 40 kinds of serious diseases in product protection, while in Hong Kong, the serious diseases in product protection can generally reach 60- 100. I noticed a detail at that time. If you buy a critical illness insurance in Hongkong and commit suicide one year later, the insurance will be gone. Because the insurance company has data showing that the proportion of people who commit suicide after one year is very small, the insurance company will also pay. But in this case, it is almost certain that insurance in the mainland will not be paid. 4 4. How to choose an insurance company in Hong Kong By the end of 20 15, there were 157 authorized insurance companies in Hong Kong, each with different insurance products and different prices. It's really complicated, but all life insurance products are similar. Because of fierce competition, almost not long after an insurance company launched a new product, other insurance companies soon launched similar products. This fierce industry competition not only promotes the overall advantages and prosperity of the insurance industry in Hong Kong, but also gives customers more choices and better protection. The first principle of choosing an insurance company is to choose a company with strong comprehensive strength, good reputation and good claim settlement ability. Because insurance is not about cheap, not about investment income, but about resisting risks, you don't want to make claims when you are already unlucky and in a mess. It was really impossible to do it every day at that time. In order to avoid advertising suspicion, I won't say which company's products I bought. The following are nine large insurance companies rated by the Financial Stability Board (FSB) composed of G20 member countries for your reference. These nine companies include Allianz, AIG, MetLife, Prudential Finance, AXA, Aviva, Prudential, Zhongli Insurance and China Ping An Insurance. 5 5. Some reminders 1) You must sign the bill in Hong Kong to buy insurance in Hong Kong. The CIRC stipulates that the sale and purchase of insurance products in Hong Kong must be carried out locally. Therefore, mainland customers who want to buy Hong Kong insurance products must go to Hong Kong in person, not in the mainland. Hong Kong insurance purchased in the Mainland is an "underground insurance policy" and is not protected by Hong Kong laws. 2) You don't need to go to Hong Kong to pay and settle claims every year. After signing the bill and going to Hong Kong, you don't have to go to Hong Kong to pay and settle claims every year. The annual fee can be directly transferred; If you want to make a claim or withdraw money from the insurance policy, just fill out the relevant forms, attach the relevant invoices and certificates, and express them to the insurance company in Hong Kong. The insurance company can basically transfer the corresponding money to the bank account designated by the customer within one week. 3) The process of buying insurance in Hong Kong. Basically, there are several steps to buy insurance in Hong Kong: (1) Before going to Hong Kong, confirm the arrival date and purchase order signing date with the insurance company agent; (2) Carrying the insured and the insured's Hong Kong and Macao passes, identity cards and transit endorsements; (3) After going to Hong Kong, on the agreed purchase date, under the leadership of the agent of the insurance company, go to the insurance company to sign the insurance bill and pay the premium; (4) If the insurance company thinks it is necessary, it will ask the customer to accept the physical examination of the designated project, which is generally free; After the above steps are completed, the policy purchase process ends. If it is fast, it can be underwritten on the same day. If it is slow, we will know the underwriting result in about 4 days. 4) Payment Limit Since February 4, 20 16, UnionPay has paid a credit card limit of $5,000 each time, but there is no limit on the number of credit cards per day for the time being. If you need to pay the premium of $6,543,800+through UnionPay, you have to swipe your card 200 times. I have seen a photo of a day 1000, which is really shocking. 5) Finally, and most importantly, we must attach importance to the "highest integrity principle" of the insurance industry in Hong Kong. You need to abide by this principle in all situations you declare. Especially your physical condition, you have a medical record of illness in a 3A hospital before, so you must truthfully state it, and the insurance company will arrange a free medical examination for you. But if you don't tell the truth, there will be problems in the future and there may be the risk of refusing to pay compensation.
Author: Miss Sister
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