Buy guide
Hong Kong insurance buy guide
A pre-trip notebook: why people consider HK cover, why travel to sign, how to sample insurers—then inventory, who sits across, priority, meetings and cooling-off. No product names, no yield demos.
Short answers to what forums keep asking—cooling-off, FX, intermediaries—live on the FAQ page; plain terms live in the glossary. Then come back to the matching chapter. Open FAQ → · Glossary →
Chapter 1
What HK insurance is vs Mainland policies
Principle-level differences: regulation, contract language & jurisdiction, currency, sales and cooling-off—not “which side pays more”.
Chapter 2
Before you buy: goals, budget, identity, existing cover
Finish four inventories so the meeting does not lead you.
Chapter 3
Know who: licence, cooling-off, complaints
Clarify who sells, who regulates, and how to reverse—before products.
Chapter 4
Protection first or savings first
Plain rule + anti-examples: misaligned purpose usually means compromised terms.
Chapter 5
Categories: when to consider / when to pause
Medical/VHIS, CI, life, accident, savings/annuity/ILAS—use boundaries only, no product names.
Chapter 6
Questions to bring to the meeting
Printable list: identity, purpose, affordability, terms, cross-border, next steps.
Chapter 7
After signing: cooling-off, renewal, claims timeline
Signing is not the end—close the loop with key dates and filing.
← Start from needs · Decide by scenario · Checklist tool · Compliance · FAQ · Category compare · Glossary