June 2013
129
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tarting a family in Hong
Kong is an exciting time, but
can also be a bit daunting.
There is so much to prepare
for your new arrival, that important
jobs often get overlooked. At the
top of your to-do list should be
making sure you have suitable and
adequate levels of insurance.
You might not want to think about the
prospect of not being around for your
children or being too ill to look after
them and we hope you are never faced
with this situation, but the reality is as
parents we have a responsibility to our
children, not only to raise them but also
to protect their futures.
Most of the above checklist is easily
completed if you can put some time
aside, but choosing the correct insurance
policy can be more complicated.
A good financial advisor should be
able to guide you through this process,
alternatively you can visit our insurance
website,
which is dedicated to helping you
compare medical and life insurance
online and getting you the best deals
from leading insurers in Hong Kong.
Different types of insurance that
can help protect you and your
family:
Life Insurance
–
protects a family from
the loss of income that would have been
earned and is needed to cover the costs
of raising children, paying off debts and
other expenses.
Critical Illness Insurance
–
Critical Illness insurance can alleviate
the financial burden of loss of income
and extra costs associated with a serious
illness: cancer, stroke, heart attack and
many more. Statistically you are 4 times
more likely to get a critical illness than to
die before retirement.
Income Protection
–
replaces your
income if you are unable to work
for health reasons. Typically income
protection pays a % of your salary until
you are able to return to work.
Medical Insurance
–
covers the high
costs of medical bills and allows you to
get the best treatment for your family and
not to be restricted by the public system.
Worldwide cover allows you to get
treatment in the country of your choice
or where treatment is best.
Protecting your Family’s
Financial Health
Contact us today and let us help you ensure
that you and your family are protected.
Request your FREE
guardianship forms, valued
at HKD3,000, from
.
Email:
|
Company Website:
|
Insurance Website:
Capstone’s financial
checklist for parents:
Nominate Legal Guardians
Update Will
Review your insurance
Update beneficiaries
Join us at our upcoming
Seminar:
Topic:
Contingency Planning –
Are you comfortable that you have
everything taken care of?
Date:
22nd October
Where:
Tiny Footprints
RSVP:
