insurance buying tips for workers! which critical illness insurance is best to buy? manulife is here to protect you
2024-09-03
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the normal life of migrant workers is "no work, no food", and work is directly linked to income. in the face of minor illnesses and pains, short-term leave is still bearable, but once a major illness occurs, not only may the savings be quickly exhausted, but also the dilemma of income interruption due to long-term suspension of work. in this case, insurance has become a key tool to resist risks and protect life. in recent years, the insurance industry has flourished, and many insurance companies have emerged in the market, each with its own unique products and services. so which major illness insurance is better to buy? manulife insurance, which ranks among the top ten insurance companies in hong kong, has attracted the attention of many people with its professional services and comprehensive protection. next, let's talk about how migrant workers buy insurance!
for workers, having medical insurance, critical illness insurance and life insurance is the basis for building a personal insurance protection system. medical insurance can cover the cost of daily medical treatment and hospitalization, reducing the financial burden; critical illness insurance provides a one-time payment for major diseases to help cope with high medical expenses and living expenses during recovery; life insurance provides an additional economic safety net for family members, ensuring that when misfortune occurs, the family can obtain the necessary financial support to maintain a normal life.
so, for workers, which critical illness insurance is better to buy? you can consider it from the following four aspects.
1. whether there is dividend:dividend-based critical illness insurance combines critical illness protection and investment functions. in the case of long-term policy holding, it can accumulate considerable policy value, effectively resist the impact of medical inflation, ensure that the amount of protection can keep up with the pace of rising medical expenses, and provide more adequate preparation for possible medical expenses in the future. in recent years, hong kong insurance's dividend-based critical illness insurance has been very popular. among them, the dividend realization rate of many products of manulife insurance has exceeded 100 years in a row, and its dividend-based products are also trusted by customers.
2. claims settlement efficiency:for policyholders, smooth and timely claims settlement is crucial. the hong kong insurance market is known for its professionalism and efficiency. taking manulife insurance as an example, the company's average successful claims rate in 2023 was as high as 94.84%. manulife has also launched the eclaims online claims service, which can be approved in as little as a few minutes. the application process only requires 3 steps, which is very convenient.
3. medical insurance and support:in this regard, hong kong insurance companies can also provide comprehensive and professional services to meet the needs of different customers. manulife is the first life insurance company in hong kong to cover all tertiary public hospitals in mainland china. it has established cooperative relationships with more than 3,000 designated hospitals in nearly 300 cities, allowing customers to get appropriate medical services and timely and effective treatment anytime and anywhere in the mainland. manulife also has a pre-approval service without cash, which responds quickly after the customer submits a claim application, eliminating the cumbersome process of advance payment and then reimbursement, allowing customers to get claims in the first place and reduce financial pressure.
4. professional consultants provide consultation:hong kong insurance companies not only provide a variety of insurance products, but also pay special attention to providing professional consulting services to meet the various needs of customers. manulife provides customers with a full range of medical specialist support services, aiming to provide customers with personalized services from medical consultation to claims support, so that customers no longer feel isolated when facing health challenges.
when facing the uncertainty and risks in life, it is a wise choice for every worker to choose a trustworthy insurance company to build a comprehensive insurance protection system for individuals and families. so which insurance company is the best to buy? hong kong insurance companies have won the trust of countless mainland consumers due to their strict supervision, diversified products, sound financial status and professional services.
manulife is one of the top ten insurance companies in hong kong. the company has a history of more than 125 years and provides services to more than 2.5 million people in hong kong and macau. about one in every three hong kong people is a manulife customer. in the second quarter of this year, manulife's multiple performance indicators grew strongly, with core profit, new business value, and annualized premium equivalent sales all increasing by double digits, with ape sales and new business value setting new records. this not only reflects manulife's leading position in the industry, but also highlights the success of its stable business model and market strategy.
as a companion on everyone's health journey, manulife hopes to raise the public's awareness of their own health. this summer, manulife's "mind, body and wisdom mobile vehicle" officially set off and can be seen on the streets of hong kong. not only can you do a health self-test on site, you can also participate in the lucky draw and exchange for mysterious gifts!
as a worker, configuring health insurance is like adding a "safety net" to your life. i personally think that hong kong insurance manulife is very reliable and can provide personalized insurance plans to meet the needs of different people. however, configuring insurance requires comprehensive consideration based on the specific needs of individuals and families. before making a decision, you may wish to spend more time researching and consulting to ensure that the insurance company you choose can truly meet your long-term protection needs.
