Hong Kong is a special place.
On one hand, be in latter-day China history on, hong Kong occurrence frequency second extremely tall, advantaged advantage is had as Special Administrative Region in political Hong Kong. And be in economically, hong Kong is the Asian banking center of be worthy of in quite long period of time. When double addition lets Hong Kong appear, total meeting takes the breath of a luxury.
Of course, luxury and buying on sb's behalf is not Hong Kong is all, today the theme of the article is -- Hong Kong is safe.
A lot of people can want to go to Hong Kong buy insurance, because of Hong Kong insurance development compares country in the morning a lot of, the Opium War is become then mouth, when compatriots weeps bitterly for the silver of war and prediction of a person's luck in a given year, hong Kong had had an insurance company.
And Hong Kong is financial freedom harbor, insurance Wu absorbs whole world experience adequately, quite mature, more absorbing is, hong Kong is sure to be standard design with Hong Kong person.
Because life of Hong Kong person is longer, the cause with disease lower occurence rate, hong Kong's safe insurance cost normally more " cheap " .
"Insurance cost is cheaper than inland product 20% arrive 30% " , this is the word that broker of Hong Kong insurance often hangs in mouth edge, but is the fact really such?
Actually, both sides can not was opposite completely the product of mark -- Hong Kong insurance and outback insurance are on fixed number of year of expenses of safeguard content, form, pay have difference.
Cite a case, this year 30 years old, the male Xiaoming that does not smoke wants to buy 500 thousand RMB to guarantee serious illness a place difficult of access of the forehead.
If he chooses to go to Hong Kong,friendly nation is bought protect the forehead to be 500 thousand RMB about (78 thousand dollar) product of serious illness risk, 25 years capture is expended, annual pay cost amount is 1669.98 dollars, add up to a RMB 10724 yuan.
Pay insurance cost in all namely 256850 yuan.
If he chooses,home keeps the specified number likewise the serious illness risk of 500 thousand is become red product -- the countryman of Guo Huahua luck that pays treasure to go up is lifelong and great the disease is safe, 30 years capture is expended, annual insurance cost wants 5610 yuan only.
Pay insurance cost in all namely 168300 yuan.
Be with, although the can provide safeguard of these two products is abhorrent, but in 500 thousand keep the specified number this price, home is sure to be able to have cheaper price.
Just protect the case with high specified number to fall, hong Kong insurance is met really on the price more dominant. Next figures protect the forehead high to weighed disease risk to arrange two chart in the light of two ground:
Can see, year of Hong Kong's safe pay insurance cost all under 5000 dollars, and year of pay insurance cost of inland insurance want prep above 5000 dollars.
Because,this basically is, model of products plan of Hong Kong insurance is calculated with life of Hong Kong average per capita, and life of Hong Kong average per capita is 85 years old, life of domestic average per capita is 75 years old, it is cheaper that because the part of this Hong Kong is safe,product insurance cost can be accomplished.
Integrated and character, when if enougher budget goes buying,guaranteeing the serious illness a place difficult of access with larger specified number, hong Kong's safe insurance cost really cheaper.
But should notice a bit, because Hong Kong is safe more agile, if be during pay insurance cost, incidence of a disease of a certain disease promotes considerably suddenly, hong Kong insurance company increases insurance cost likely.
The insurance cost of long-term risk secures inland basically.
Of course, even if of Hong Kong insurance adjusts insurance cost to also be inside reasonable range, won't blind attune.
