Category: Insurance


Life Insurance Asia

Life Insurance Asia

Life Insurance Asia – the life insurance industry in Asia is well establish and more and more Hong Kong Life Insurance companies are looking to expand their operations within the golden opportunity that the emerging Asia economies present to the insurance environment.

Hong Kong Life Insurance is well established and the industry and insurance environment is well catered for with many of the leading worldwide Life insurance company have established themselves historically as the gateway to China and the Asian Tigers. provision of so many insurance companies in the crowded Hong Kong has presented the former British Colony with an abundant choice when it comes to people choosing their insurance company for the Life Protection of themselves and their family.

From the French opened AXA to the British Aegon and the USA Trans America the people of Hong Kong have a wide choice.

Individual Life Insurance

Nobody denies the important of protecting ones loved ones from the premature death of the bread winner of the family.

The sudden withdrawal of the income that was provided by the main income earner of a family can be devastating particularly when combined with the emotional loss at the time.


Life Insurance then is extremely important for the ongoing provision for a family.

This is never more so than in Asia were not only are people generally speaking less affluent than their counterparts in the western world, but the Death In Service Benefits provided by companies in Asia is either non existent or at a reduced multiple of earnings than that enjoyed by those in western society.

It therefore as a consequence of this fact, that the purchase of Life Insurance is a must do for most people and in Hong Kong that means Term Insurance which is typically the favored life insurance policy taken out by most people in Hong Kong.

Term Life Insurance pays out a specified sum assured over  specified period of time, and has proven to be the insurance of choice in Hong Kong providing affordable premiums for valuable sum assures.

Medical Insurance

Medical Insurance

Medical insurance is an insurance to provide medical cover and insurance against the burden of medial expanses for you and your family should you become ill.

There are many different costs – premiums – and benefit level provided by insurance companies throughout the world. The most important thing to bear in  mind when selecting a medical insurance policy for you and your family is to compare the costs to the benefits and the insurance rating of the insurance company as these vary widely throughout the insurance industry.

Another factor being that some insurance competencies have a large local presence and may as a result provide a better customer service then other no so prevalent medical insurance companies.

Many people have a favorite medical insurance company for example the British prefer BUPA while the French prefer AXA.

Whatever you decide make you that you shop around for the best insurance deals it really is a cost benefit analysis backed up by the local service levels provided.

Of course if you are in the enviable position of not being concerned about the premium insurance cost then you have a much wider choice of insurance company.

International Medical Insurance

For the international mobile worldwide medical insurance cover become of paramount importance.

This is both because medical standards and services vary widely throughout the world and what you are used to in the western world you cannot find in some worldwide countries.

Even in the developing countries for example Asia you would be well advised to arrange your own Private Medical Insurance for yourself and your family; including medical evacuation.

Medical Evacuation

Medial evacuation sounds very traumatic and we in visage a environment catastrophic or perhaps some terrorist event. However it could simply mean that the medical services that you require are not available locally or perhaps were you find yourself in the world.

Here then the medical evacuation is on medical grounds and not the environmental circumstances that you find yourself in. Knowing that somebody will come and get you and transport you to safety is a great comfort; and that the service has already been paid for, so that you don’t have that worry also.