Don't want your child to bear the burden

You never know what the future holds. If you were to fall ill suddenly and face unexpected expenses, how would you manage your mortgage and personal loans? Plan ahead to avoid passing on these financial burdens to your child so you can help keep your home for your kids without leaving them in debt.

How to help our child overcome adversity?

Have you considered what would happen to your child if you were no longer able to care for them? Protect your child by providing them the support they need with insurance coverage. Let them have a chance to start a new and maintain their current lifestyle.

¹According to HSBC's education report in 2020, education from pre-school to college can cost up to HKD 4.21 million. HSBC. (2020). Educating a new generation for a changing world.
https://www.hsbc.com.hk/content/dam/hsbc/hk/docs/insurance/booklets/2020-sep-education.pdf

What if my child is sick?

What would you do if your child is diagnosed with a critical illness but you find yourself short on cash? Would mortgaging your property be your only option to cover the medical expenses? If that’s the case, consider obtaining critical illness protection for your child to secure a sufficient amount of funds to support your child in their battle against illness.

How to honour your parents' choice?

Show love to your parents the way they have loved you by learning about their deepest wants in life. They may not have disclosed that to anyone, but they might have some ideas about how they wish to settle their final matters. Whatever their choices, the best way to show your love and respect is to honour their wishes. Plan ahead so that you can honour their final will while ensuring sufficient wealth.

How can you ensure that your parents feel at ease in case you face any unfortunate situation?

Your parents may require more personal assistance in their daily lives as they get older. If you were to suddenly suffer from a critical illness and lose your income, it may become difficult to financially support your parents and they may even have to use their retirement savings to cover your medical expenses. To avoid this situation, it is crucial to be prepared with enough funds to bear your own healthcare costs.

Your debt can become your parents' liability?

If your parents are your inheritor, there's a good chance that they will also inherit your debt. To save your parents from repaying your debt in old age, what you can do is to take advantage of an insurance plan so that they wouldn't have to use their own savings should the unfortunate happen.

Don't want your other half to worry about basic needs?

In the event that one of you falls ill with a critical illness, the other person would have to shoulder the burden of all household expenses. To make things even worse, should the medical coverage fail to provide full coverage of the medical expenses or the illness has taken its toll, the other person would suffer greatly mentally and financially. Prevent such hardships by having the appropriate insurance coverage in place. This will help bridge the financial gap during times of need.

為伴侶
創造更多回憶2

💡畢身努力工作，只為了讓父母有個安樂窩。

但香港房屋價格持續高企，在九龍區租住40平方米的私人住宅單位，平均月租是HKD13,4801；買樓的話平均按揭年期是27.8年2，私人房屋按揭供款及借貸中位數是HKD13,5003，隨時留低高達上百萬的債務負擔。

若失去家庭支柱，租金或按揭的重擔自然落到家人身上，至安心定期壽險計劃的分期支付身故賠償能為家人雪中送碳，支付每月租金或按揭，讓家人依舊有歸宿。

Can you ensure your partner a worry-free future?

A will may ensure your partner will inherit your assets, but the process could take time. In situations where your partner has an urgent need for cash flow, Zurich Term Life Insurance Plan will allow your partner to receive funds in as fast as 7 days¹ to meet the urgent needs.

¹ Beneficiary may get the death proceed within 7 days the earliest if all required documents are submitted for Zurich Term Life Insurance Plan

Don't want to end up with regrets?

Many things in life require careful planning, such as ensuring that your children receive a quality education or caring for ageing parents. But what if your plan didn’t go as planned? A Plan B would then be your resort to set things back into the right order. Choose an all-encompassing¹ and adequately insured protection² for your loved ones to prevent yourself from leaving any regrets in life.

¹Zurich Term Life Insurance Plan provides up to HKD3,000,000 coverage of death benefit.
²Zurich Care Critical Illness Insurance Plan offers extensive coverage for up to 81 critical illnesses; eligible applicants can receive a 100% premium refund upon policy maturity if no claim has been made.

Do you know you can donate your insurance?

Leaving a positive impact on the world is something that can be done at any time as long as you want to. By donating a portion of your life insurance claim payout to a charitable organisation of your choice, you can make a difference that lasts beyond your lifetime. This act of kindness not only helps the organisation you choose to support but also allows you to make a lasting impact on those who need it most.

Don’t want to miss the best time for treatment?

It is common knowledge that the waiting times in public hospitals can be quite long. If you do not want to wait, you can choose to pay more to see a private doctor. By selecting the appropriate critical illness coverage, you can be financially supported to receive treatments from private practitioners and have the medication expenses of critical illnesses covered. This way, you can restore health without burdening your family.

How to keep the promise?

Fulfil your lifelong promise to your partner by prioritising health. Not only it’s crucial for you to maintain healthy habits, but it’s also essential to regularly do health checks. Just so you can take quicker action should you discover early signs of a critical illness or any other health condition. A protection will relieve you of the burden of worrying about medical expenses¹. This will allow you to focus on recovering and continuing to be there for your partner.

¹Zurich Care Critical Illness Insurance Plan provides coverage for conditions such as Cancer, Heart Attack, Stroke, and Carcinoma-in-situ, with up to HKD120,000 of cancer drug expenses reimbursement to ensure your health and well-being.

Worried that your parents may not have enough money for their retirement?

It is natural to want to take care of your parents and ensure they have a comfortable retirement. However, if something were to happen to you before that, who would support your parents in their later years? By choosing a suitable life insurance policy, you can ensure that there is financial provision for your parents¹, allowing them to retire with peace of mind².

¹Zurich Term Life Insurance Plan provides up to HKD3,000,000 coverage.
²In 2022, the monthly retirement expenses can reach up to HKD13,800. http://www.ifphk.org/REI/assets/press-release-ifphk_hong-kong-retirees--actual-expenses-survey_e-(rev).pdf