The difference between Zhihu mainland insurance and Hong Kong insurance.

By comparing Hong Kong insurance with mainland insurance, it is found that Hong Kong insurance seems to be more cost-effective than mainland insurance in terms of insurance clauses:

1. For the insured of the same age, the premium in Hong Kong is usually 60%-70% of the domestic policy, and the premium is calculated according to the local life expectancy, morbidity and mortality!

20 13 hong kong has become the world's oldest city, with 86.7 years old, 86.6 years old in Japan and 75 years old in Chinese mainland! Moreover, Hong Kong has adequate public security and low mortality! Therefore, mainlanders go to Hong Kong to buy insurance, which actually takes up the glory of Hong Kong people! Therefore, the premium is cheap, about 35%-45% cheaper than that in China;

2. If it is a major disease, more diseases will be covered, and at least 52 early serious diseases will be covered, with a more comprehensive coverage. In addition, the payment terms are loose and more humane.

3. After the policy expires for five years, the cash value has been higher than that of the domestic policy.