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Arranging Life Insurance when you are going to Hong Kong for a vacation or business purposes, will generally have little impact upon your application. 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.
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. It is possible that your answers to additional questions that are asked could affect the terms that are on offer for Life Insurance.
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 for those 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 pastime.
Income Protection for those 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.
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!
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