Hong Kong

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Hong KongArranging life insurance when you are going to Hong Kong for a vacation or business purposes, will generally have little impact upon your application.

Our advisers will check how your travel might affect your application by asking you:

  • When are you travelling to Hong Kong?
  • Are you going to Hong Kong for a holiday or work?
  • How long will you be staying in Hong Kong for?

Insurers will generally consider trips to Hong Kong of less than 30 days as being of low risk, and will typically offer standard terms for life insurance. This means no premium increases or exclusions.

When you plan on travelling to Hong Kong for longer periods of time, it is possible that the insurer will want to know more about your travel plans. This can include the purpose of your journey, specific locations that you will be visiting and the amount of time that you plan on spending outside of the UK in any given year.

Some insurers might offer you life insurance at non-standard terms if you are outside of the UK a lot during a 12 month period. Our advisers will find the right insurer for you to match your travel. 

British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover for people travelling to Hong Kong will often be available at normal terms. Whether you are travelling to Hong Kong for business or leisure purposes, insurers are unlikely to be concerned by most trips to the region.

Similar to life insurance, extended trips to Hong Kong may result in the insurer looking at your application more closely. The insurers main concerns that could affect the terms on offer, are likely to centre around the reasons for you being in Hong Kong, particularly if your journey is related to a high-risk occupation or sport.

Extended periods of time outside of the UK can mean that insurers start to assess your application upon risk data for the country that you are living in, rather than UK statistics.  If you tax residency changes from the UK, you can find that new applications for critical illness cover will need to be placed with specific insurers.

Our advisers will search the insurance market for you and find you the right insurer to meet your needs.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for people travelling to Hong Kong may be available at standard terms. The insurer that you approach for income protection will want to know if your journey is related to your working tasks, or if you are required to travel outside the UK at all for your job.

If you work in a particularly high-risk occupation you may find that you need to be selective as to the insurer that you approach for income protection, to access the best terms possible for cover.

If you do not pay tax in the UK this can mean that some UK insurers will not consider your income protection application.

Our advisers will talk to you about your circumstances and find the right insurance options to meet your needs.

Get an Income Protection Quote

Are you planning a trip to Hong Kong? We have teamed up with a specialist insurance broker who can offer comprehensive travel insurance to most countries. Make sure that you have the cover that you need by requesting your no obligation travel quote here here

Hong Kong GOV.UK Travel Advice

Hong Kong

Hong Kong is a city in China with a thriving economy that is built upon its free trade policy. It is one of the most populated cities in the world.

  • Primary Concerns: General public, environmental factors 
  • Reason for Travel: Business, leisure
  • Duration of Stay: Holiday break, sabbatical, employment contract
  • Popular Locations: Kowloon, Lantau, Tian Tan Buddha
  • Feng Shui is very important in Hong Kong for architecture, businesses and lifestyles. Some residents have been compensated by the government for civil construction projects because the work disturbed their Feng Shui.
  • Despite its famous city skyline, three-quarters of Hong Kong is rural, with 24 parks, hills, reservoirs, woodlands and coastline.
  • New Years celebrations last 15 days!

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 724 reviews.

Review by Stuart on 3rd August 2022

Really great team always kept us informed of the progress. Always kept us us informed throughout the process, helpful and really understanding and a friendly. Great team thanks for your help. - 5 

You can read more of our reviews here.

Hong Kong

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Hong Kong

Client Reviews

Hong Kong

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Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

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