Gold Digging and Solving Questions-What are the at least a few things you should know before buying Hong Kong insurance?

Hello! The basis of insurance is "the highest integrity", so it is very important to truthfully tell your lifestyle habits (such as smoking, drinking, etc.) and physical condition (whether you have suffered from major diseases, etc.), because these are key factors in whether the insurance company approves the policy application. . If you do not tell the truth about your smoking habit, if you develop lung cancer in the future, the insurance company will refuse to reimburse you for insurance fraud. When taking out Hong Kong insurance, be sure to tell the truth about your smoking status because the rates for non-smoking and smoking are different. Generally speaking, smoking will actually affect the risk of accidents. Therefore, insurance companies will set different premiums for different types of customers to maintain a reasonable premium ratio. Insurance companies require customers to disclose past illnesses of themselves and their family members. The purpose of this is to have a grasp and adjust the future risk rate, and also to enable the insurance company to operate safely and smoothly.