Insurance Guide

Is it too late to buy medical insurance at 60? Will insurance companies refuse to cover? With Hong Kong's medical costs rising year by year, how can I obtain suitable coverage after retirement, given the loss of my company's group medical insurance? Kwiksure analyzes Medical Insurance purchases by seniors, outlines key considerations and common exclusions, and compares four popular VHIS plans to help you prepare for health security after retirement.

Most office workers in Hong Kong enjoy their company-provided medical insurance. However, ever since the government started offering the Voluntary Health Insurance Scheme (VHIS), more and more people have become interested in buying a plan for themselves. You might question, if you already have group health insurance from work, is there a need to buy a VHIS plan ? Today at Kwiksure, our expert insurance advisors will break down the differences between group and individual health insurance.

Hong Kong boasts the deep and wide Victoria Harbour, as well as an extensive coastline and numerous outlying islands. Sailing out to sea offers a variety of unique views and a refreshing experience. If you plan to buy a boat in Hong Kong, the main concern is where to moor it. This time, Kwiksure shares information about mooring boats in Hong Kong waters, including major typhoon shelters and private yacht clubs. Although Hong Kong has vast waters and mooring yachts should not be a "land problem," in reality, as of 2023, there were already 12,553 Class IV pleasure vessels. Currently, all the yacht clubs in Hong Kong combined offer about 2,300 yacht berths, and there are about 2,000 private mooring facilities in 43 different water areas, totaling only about 4,300 berths across the city. The number of moorings is clearly insufficient, and Hong Kong yacht owners also face a shortage of berths.

Kai Tak Sports Park, Hong Kong’s largest sports and entertainment landmark, has officially opened. The main stadium, which can accommodate 50,000 people, has become a popular destination for citizens to enjoy concerts and watch games. Quick & Secure has compiled 6 major transportation methods to Kai Tak Sports Park, as well as a guide to using the 'Easy Leave' platform, allowing you to easily travel to and from the venue.

Countless people are rightfully concerned about the neverending climb of the health insurance premium rate. How come it increases year-on-year? Are insurers just hell-bent on making more profit? What if somewhere in every health insurance policy hides a debilitating term and condition for policyholders? These are just a few of the pressing questions when it comes to health insurance inflation. As the government rolls out the Voluntary Health Insurance Scheme (VHIS), the general public's health knowledge increases. More and more people are willing to spend money on securing a health insurance plan . Today at Kwiksure , we'll take a quick glance at 3 major reasons why premiums inflate.

Golfing accidents can be hilarious, here’s proof . But accidents can also be very serious -- and costly. And while everyone looks forward to getting out for 18 holes while the sun is shining and the weather is warm, the fact is that summer weather can be a major threat to health, and one that takes down far more golfers than a stray ball. To protect yourself against any potentially problems that could ruin your favorite pastime, consider these three important reasons you need golf insurance this summer.

Taking the leap from being an employee to an employer or someone who is self-employed should not be taken lightly. It takes a lot of hard work, plenty of thought, long hours and even some courage to start up your own business. And, you need to find the right insurance policy to safeguard your new enterprise. The good news is that insurance plans and options are available to protect against all kinds of risks, whatever they may be, to your business. The trick is finding the right plan to suit your specific company and industry. Here, we discuss the must-have insurance coverage options for start-up businesses in Hong Kong and China.

Hong Kong’s iconic tourist attraction, Jumbo Floating Restaurant, was forced to leave its home behind. Having faced financial troubles for years, its company, Aberdeen Restaurant Enterprises, finally announced its departure. However, its first trip outside of Hong Kong was also shrouded in mystery. First, Jumbo was said to have sunk on its way to Cambodia before the company backtracked to clarify that while it has capsized near the Xisha Islands in the South China Sea, it is still afloat . As citizens/HongKongers speculated on whether this was a calculated scam for an insurance payout, the company claimed that it would not receive any. In this Kwiksure article, we’ll take a look at why Jumbo received no insurance payout and what property and casualty insurance can do for you.

Starting a business in Hong Kong is a huge task. Not only do you have to come up with an idea, service, or product that’ll be profitable, but you also have to navigate the world and responsibilities of being the owner of a company. Startups and Small to Medium Enterprises (SMEs) are still held to the same compliance, corporate governance, and liability standards as larger companies. This includes having to manage the risks associated with operating a business, which often involves business insurance. This Kwiksure article offers a brief introduction to the world of corporate and business insurance products that you’ll need to have considered if you want to ensure compliance with local laws and protection from unexpected disruptions.

It's easy to believe that you won't get hurt from a contactless sport like golf. However, like a host of other sports, if you have an incorrect posture, you might injure yourself or others around you. The Consumer Council has evaluated 12 local golf insurance plans and their coverages in 2019. Today at Kwiksure , we will compare golf insurance in Hong Kong, their coverage areas, and claim limitations.

Few cities attract Hong Kong emigrants quite like Taiwan. In this series of Kwiksure articles featuring four hottest emigration destinations for Hong Kongers (i.e. the UK , Canada , Australia , and Taiwan), we'll get to the nuts and bolts of how to exchange your driving license, get one, buy car insurance, as well as transfer your existing No Claims Discount/No Claims Bonus (NCD/NCB).

Canada has always been one of the hottest emigration destinations for Hongkongers. Among Canadian cities, Vancouver and Toronto are especially popular. The Canadian government has recently pushed out a scheme titled 'Hong Kong Pathways', which enables those who have completed a post-secondary degree in the past five years to apply for a 3-year long work visa. Having said that, it's a vast world out there compared to Hong Kong, and roads tend to be a lot more spread out. Living without a car is akin to being a bird without wings. If you're interested in emigrating, you should get to know how to exchange or obtain your driver's license. In this Kwiksure series, we will go through four popular emigration destinations among Hongkongers. This includes the UK , Canada, Australia, and Taiwan. Read on for answers to frequently asked questions like how to exchange your driver's license , how to get one , how to secure car insurance , and how to transfer your No Claims Discount/No Claims Bonus (NCD/NCB).