Why do the middle class love to go to Hongkong to buy insurance Hedging and asset allocation is the -hamimelon

Why do the middle class love to go to Hongkong to buy insurance? Hedging and asset allocation is the main cause of the exposure of the Sina fund platform: letter Phi lag behind false propaganda, the performance of long-term lower than similar products, how to buy funds pit? Click [I want to complain], Sina help you expose them! Hongkong insurance has several good? Why do the middle class love to go to Hongkong to buy insurance? The insured amount is higher? Or higher income? Claims how to do? The middle class buys insurance needs first is "loopholes", not to their existing wealth loss due to accidents, such as serious illness, accidental death etc.. This is the security needs of all people who buy insurance, the middle class is no exception. Secondly, the middle class as a high net worth crowd, which has a certain demand for asset preservation and appreciation. Insurance as one of the four tools of finance, in addition to the importance of security, but also has a natural investment properties, in the allocation of personal assets, insurance assets occupy an important position. Hongkong insurance and the difference between the mainland insurance, Hongkong insurance than the mainland insurance in the end what are the advantages? 1, in terms of premiums, the same amount of cases, Hongkong insurance insurance 30% cheaper than the mainland; 2, in terms of investment income, the Hongkong insurance annual rate of return of 5-9%, while the mainland insurance in 3%; 3, in the insurance waiting period (also known as the observation period, during which the parties that the insurance accident occurs also, the beneficiary cannot obtain compensation), Hongkong insurance to wait for a period of 60 days, the mainland insurance for a period of 180 days; 4, in terms of coverage, Hongkong insurance critical illness insurance coverage covering more than 50, while the mainland insurance critical illness insurance only covers more than 40. In addition, Hongkong insurance also can pay for drunk driving death, the plane crashed, died of AIDS, while the mainland insurance will not be paid; 5, in the settlement areas, Hongkong insurance may include overseas hospital, Hongkong hospital and the mainland hospital, while the mainland insurance includes only the mainland hospital; 6, in the settlement time, Hongkong received second medical insurance opinions, once confirmed immediately payment, while the mainland hospital does not accept the second medical opinion, need to finish the operation after the payment. The mainland people in Hongkong against the increase in the proportion of sum up, we can see that Hongkong insurance in terms of product design than the mainland insurance, has certain advantages, so the market reaction? We may see an increase in the proportion of mainlanders buying new policies in Hongkong every year to see the trend. Insurance: savings, but also investment in order to better understand the characteristics of Hongkong insurance, we look at a case. Cheng, 38 years old this year, his wife, aged 35, a total of two people belonging to the senior management of enterprises, there is a one and a half years old children. In view of the fact that the couple intends to rise coincided with the occupation and promising kid education settings of gold, we see a relatively well-known deposit insurance (to avoid advertising, the name has been withheld in insurance, interested friends can be grilled in the comments). Here, you need to pay attention to two points: 1, the premium return time: from the policy review through (and paid on an annual basis), the beginning of the year to receive a year, receive 88 thousand of the year on the twenty-first相关的主题文章: