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.
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.
For more information on specific health conditions, pastimes, occupations and countries please select here:
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Summary definition
Meaning "Fragrant Harbour" or "Incense Harbour", since 1997 Hong Kong's official name is "Hong Kong Special Administrative Region of the People's Republic of China", although 'Hong Kong' is still widely accepted. It is famous for its skyline along the harbour with a high density of skyscrapers. Completing Hong Kong's territory are around 200 islands, the biggest being Lantau, the New Territories and the Kowloon Peninsula. Hong Kong is one of the world's leading financial centres.
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