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致富:保險安排妥當 安心移民

2021年08月13日

移民前要做好保單檢視,其中一個關鍵是要比較現有的保障額在移民後是否足夠。致富財富管理部總經理張德明表示,若然保險提供的保障額在移民後變得不足夠,便要考慮是在香港還是海外加買保險提高保障。即使保障足夠,大家也要記緊把移民目的地通知保險公司,並了解生效保單的保障範圍、條款等會否受影響。

移民前要做好保單檢視,其中一個關鍵是要比較現有的保障額在移民後是否足夠。致富財富管理部總經理張德明表示,若然保險提供的保障額在移民後變得不足夠,便要考慮是在香港還是海外加買保險提高保障。即使保障足夠,大家也要記緊把移民目的地通知保險公司,並了解生效保單的保障範圍、條款等會否受影響。

一般而言,人壽保險和危疾保險的保障全球通用,移民後保單仍會繼續生效;醫療保險則由於不同國家的醫療費用可以差異頗大,較大機會受地域限制,不少亦已在條款上列明受保和不受保地區。

他提醒,即使部分保險種類繼續受保,但也要留意往後的服務跟進,以及萬一要向保險公司索償,索償程序、手續、聯絡等如何安排。例如在海外有服務中心和每次也要自行打電話回香港跟進已有很大分別。此外,當成功申請索償,保險公司或只會把款項傳入香港的銀行戶口,而不會傳入海外戶口,這些大家移民前都要向保險公司查詢清楚。

另外,保單上亦要留意有否寫明受益人,部分人壽保單因沒有指定受益人,賠償金變成遺產處理,在香港因現時沒有遺產稅,所以沒有問題,但當移民海外,就有機會被當地政府徵收遺產稅。

他續指,部分保險如醫療和意外保險在外國居住時會失去保障效用,大家可考慮適時取消;惟要注意,若部分人因移民後不習慣,最終回流香港居住,未必可再以過往較低的保費買回同等額度的保障,所以在退保前記得深思熟慮。如想了解保險計劃資訊,歡迎隨時致電或透過致富網站線上查詢https://bit.ly/36RXAwh 。

投資基金「零」負擔

透過「致富通」應用程式或致富網頁,投資基金「零」負擔,單次認購或月供計劃一律免佣,基金購金額更低至5,000港元或700美元,另購買精選保險享有高達50%折扣優惠。

致富有提供債券、基金一站式投資策略,比供客戶選擇。想知道和了解更多,請即刻聯絡我哋們投資策略專員解答疑難!

WhatsApp : 投資策略專員

更多基金資訊、種類 和 比較:

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上述報告由致富證券有限公司(「本公司」)所提供,所載之內容或意見乃根據本公司認為可靠之資料來源來編製,惟本公司並不就此等內容之準確性、完整性及正確性作出明示或默示之保證。上述報告內之所有意見均可在不作另行通知之下作出更改。上述報告的作用純粹為提供資訊,並不應視為對上述報告內提及的任何產品買賣或交易之專業推介、建議、邀請或要約。本公司及其附屬公司、僱員及其家屬及有關人士可於任何時間持有、買賣或以市場認可之方式,包括以代理人或當事人對本報告內提及的任何產品進行投資或買賣。投資附帶風險,投資者需注意投資項目之價值可升亦可跌,而過往之表現亦不一定反映未來之表現。投資者進行投資前請尋求獨立之投資意見。本公司在法律上均不負責任何人因使用本報告內資料而蒙受的任何直接或間接損失。本公司擁有此報告內容之版權,在未獲本公司許可前,不得翻印、分發或發行本報告以作任何用途。

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