Oct 19

HK-travel-cruise 

 

 

在啓德郵輪碼頭使用之前,郵輪都是停泊在尖沙咀海運碼頭,最常見到的非麗星郵輪莫屬,一顆黃色的星在煙囱位置顯而易見。現在除麗星郵輪外,份屬同一集團的還有星夢郵輪;然後又有皇家加勒比郵輪和其他郵輪公司加入,海面越來越熱鬧,於是在觀塘繞道對開經已可以看見一艘艘大型郵輪的踪影。

 

除了郵輪的數目增加,郵輪旅遊的行程亦有更多變化,從香港出發的主要是亞洲航線,目的地由東南亞擴展至深受港人歡迎的台灣和日韓,行程日數大約4/5天,足夠享受船上設施之餘,更可於港口附近觀光,一舉兩得。

 

 

 

Sep 14

Hk5 Medical Insurance 

 

 

同樣是長期性的保險計劃,但比起危疾保險及人壽保險的一筆過或者幾筆過的簡單賠償方法,醫療保險的賠償方式則相對繁複,分層列項,需要注意的地方也較多。雖則買保險十個有九個都有Agent跟,不過一但Agent轉工,自己張單就有可能變做「孤兒單」,最實際的都是自己主導,除了於購買時了解清楚保單細節之外,更重要的是注意提出申索的準備工夫。

 

根據團隊幫助客戶申索的經驗,我們歸納出以下幾點,希望可以幫到您和讓您的保單在緊急關頭發揮到最大的作用

 

 

 

Sep 12

AF-blog 

 

 

立即贏取Anytime Fitness 價值$6,600 的一年健身會藉!香港、新加坡及馬來西亞每個地方均有一個名額,下個幸運兒就是您!

 

 

 

Aug 17

HK Maid Insurance HK4 

 

 

市面上越來越多配對app幫您搵人做家居清潔甚至大小家頭細務,但是大多數的平台只是作為中介的角色,並不牽涉處理僱傭合約一項,所以僱主應小心處理聘請條款,特別是當您聘請的是家務助理、陪月員或保姆,即大機會屬於「連續性合約」受僱的情況。

 

 

 

Aug 15

HK3 Blog Post 

 

 

唔想做資料搜集,又想一次過了解唔同保險公司提供的選擇?InsureDIY幫您慳時間又慳錢,為您網羅全港各大型保險公司最受歡迎的旅遊保險計劃之餘,再列出我們3個心水選擇,標籤計劃強項,讓您慢慢細心比較,保證您無論去邊都可以輕鬆自在。

 

 

 

Jul 11

HK2 Blog Post Pictures 

 

 

早排食晏,大家都傾緊一個月係咪真係可以淨駛二、三千蚊,剩低嘅錢用黎儲首期、供樓。因為好多電視、雜誌的受訪者話自己每月洗費大約千幾二千左右,先唔咁極端,俾夠三千連家用三千,睇落萬五蚊收入都有八、九千儲。不過傾落就知就算俾您儲夠四十萬首期,銀行九成按揭仲要睇您符唔符合最低入息要求,400萬樓分分鐘要月入三萬五以上...所以想借少啲就要儲多啲再儲多啲...

 

 

 

May 26

critical-illness-blog 

 

 

在香港,癌症是頭號殺手;而世界衛生組織亦公布了2030年最常見死因預測報告,指未來一百年裡癌症將繼續位居人類「奪命殺手榜」首位。不時聽到身邊有同事、親友罹患癌症,不煙不酒,原因不明,知道的只是有環境因素影響,或由生活習慣、壓力誘發成病,但實質上我們對癌症的成因依然摸不清。

 

 

 

Mar 27

1703-life-insurance-term-insurance 

     

購買首份壽險時的限制

 

我們一直鼓勵職場新人、剛起步的自由工作者購買定期壽險,

原因是保費低廉,而且供款和保障的關係直接,投保人只需

評估自己的需要,決定保障額,無疑令定期壽險最適合作為

畢業後第一份人壽保險。至於在DIY平台上購買定期壽險的

芸芸顧客當中,30歲以上的則佔大多數,除了是因為他們在

事業和家庭的崗位比較清晰,所以更了解自己需要的保障之

外,我們了解過有部分顧客購買的是他們第二份壽險,您可

也想知道自己需要多一份壽險嗎?

 

首先,要了解的是投保人購買首份壽險時受到甚麼限制。

 

 

 

Mar 20

1703-travel-insurance-2 

   

滑完雪又係時候賞櫻喇!

 

三四月份係櫻花盛開的季節,情侶們、閏蜜們齊齊相約去

走一轉,都係想同如青春一樣短暫但燦爛的櫻花打個

面,留下綿延的美好時光。好多有賞櫻經驗的朋友都會做定

功課,㨂日本的朋友就一定會參考日本氣象協會的開花日及

盛開期的預測,先至決定目的地;然後最需要提早留意的是

訂機票住宿,因為櫻花季定必是旅遊高峰期…

 

準備周全?有無記得加埋份旅遊保險?

(即刻飛去旅遊保險比較

 

 

 

 

Mar 13

1703-medical-insurance

     

 

買醫療保險的心態都是希望日後需要「入廠」時都可以

錫住個荷包,但由於我們無人能夠預計自己幾時會需要

到呢筆錢,所以大部分人會期望醫療保障是保終身的。

不過,如果您有仔細留意不同保險計劃,投保及續保年齡

上限其實不盡相同,有續保至75歲的,也有到100歲的

(即此歲數後就會失去保障)。到底這個數字對於正在

考慮購買保險的您有多重要呢?

 

 

 

  

 

 

 

 

Mar 03

1703-travel-insurance 

   

買唔買 “Travel Insurance”同去唔去旅行的最大共通點係您

「好似有得㨂」,但實情又係咪咁呢?

 

作為一個月入萬多的打工仔,您帶飯兼限住每星期只係約一

朋友,儲埋儲埋啲錢都係得個零頭,上車仲係遙遙無期,

假期如果連旅行都無得去,您話您再感覺唔到自己同條無夢

想的鹹魚有咩分別…

 

 

 

  

 

 

 

 

Feb 27

1702-life-term-insurance 

 

    作為公司「新仔」的您-

 

感覺財政預算案出爐,都好似唔係好關您事;
感覺交稅離自己好遠,因為份糧未到月尾都無乜得剩;
感覺再講落去禮拜尾想約人準時走一日都難過登天;

 

所以無咩事都係番出去… 但係有時候麻煩找上門,想避

無得避,作為「新仔」嘅您一定明白呢個咁顯淺嘅道理。

 

講到麻煩,最大嘅麻煩莫過於麻煩到自己,仲要麻煩到人。

就好似預都無得預突如其來的意外,一筆額外的負擔您的家

人又是否能夠承受呢?

 

定期壽險更適合職場新人、自由工作者及無固定儲蓄習慣的您

 

 

Jan 26

1701 Health Insurance

 

講完keep多份OK的保險(見一、二) ,係時候俾大家知道邊一類型的保單keep一份就啱啱好喇。它就是大家較常接觸,為受保人的住院醫療費用提供賠償的基本醫療保險。

 

醫療保險是實報實銷型的保險,賠償不會超過受保人的實際醫療支出。而且醫療保險通常不會全數賠償所有的住院開支,它們會設有免賠額或共保條款,而大多數計劃都會有每種疾病或每宗手術的每年或保單全期的賠償限額。即使您在不同的保險公司購買醫療保險,他們都不會重複報銷,因為第一間接受索償的保險公司會於收據正本列明已賠償的項目和金額,以便下一間處理同一索償的保險公司了解,並決定賠償的金額。

 

一般情況是由於疾病或手術的住院實際開支超出其中一份保單的賠償上限,投保人希望以另一保單來索取餘下的醫療費用。此做法沒有問題,需要明白的是兩份保有可能在同一項目上設限,如此一來,如果您的項目費用仍然超出兩份醫保加起來的上限,您還是需要自掏腰包「埋單」。

 

因此我們不建議您購買兩份相同的醫保,但如果您只有一份公司醫療,當然可以根據自己的需要買一份個人醫保,而我們建議您選擇有住院現金保障的醫療保險。住院現金,即以住院日數計算的定額賠償,金額只根據您選擇的保額而定,保障您入院期間損失的收入,或者可以看作您報銷項目後的額外補貼。

 

希望讀完呢三篇,大家都可以為您哋的保單好好做個大掃除,年年有餘過一個肥年!


想我哋幫您做保單大掃除,直接聯絡我哋團隊:This email address is being protected from spambots. You need JavaScript enabled to view it.! 或者按此了解更多有關醫療保險-https://goo.gl/DnOYH7

P.S.:答案是:1個凌亂不堪,1個寬敞明亮。想新一年舒舒服服,多個錢周圍轆轆,咁就係時候做個「徹底」嘅大掃除喇!

Jan 25

1701 Term Insurance

 

另一符合此原則(keep多幾份無問題)的保險類型就是危疾保障。最常見的情況是擁有一份危疾保險以外,還有一份人壽保險附加危疾保障。如果受保人被確診重疾,兩份計劃同時承認其為保單內列明的嚴重疾病而作出賠償,受保人可以獲得兩份賠償,但該份人壽保險的主險保單亦會在受保人索償後完結。由於危疾保障不是實報實銷的保險,因此無論受保人有否入住醫院或有否醫療開銷,都可獲保險公司的一筆過賠償,減輕家庭在您患病期間的經濟負擔。

 

需要注意的是如果同時擁有兩份危疾保障,您需要負擔的每月保費都會相對增加。我們通常建議只有有限儲蓄並擔心患危疾時需要負擔高昂醫療費用的人士購買危疾保,讓他們擁有較靈活的經濟保障。保險公司通常會確保保費是在一個負擔得起的水平,但如果購買兩份相同的保障,要考慮的是額外的支出會否打亂您的儲蓄目標或者影響您購買其他類型的保險計劃。當然如果您認為兩份保障合起來的保額先能夠令您安心的(例如因為頭一份保障是剛畢業時購買,保額偏低 ),又或者兩份保障所涵蓋的危疾不盡相同(如針對女性的危疾保障等),則另當別論。


想我哋幫您做保單大掃除,直接聯絡我哋團隊:This email address is being protected from spambots. You need JavaScript enabled to view it.! 或者按此了解更多有關危疾保障 -https://goo.gl/bDjPAS

P.S.:答案是:1個凌亂不堪,1個寬敞明亮。想新一年舒舒服服,多個錢周圍轆轆,咁就係時候做個「徹底」嘅大掃除喇!

Jan 23

1701 Term Insurance

 

屋企有咁多份保險就可以無有怕? 咁又唔完全啱喎。新年除了幫屋企大掃除,其實都係一年一度整理自己所有保單嘅好時機。今日就等我哋同您分享一下,有邊類型的保單keep多幾份無問題,有邊類型的保單keep多幾份都無謂啦。

 

Keep多幾份無問題係因為賠都可以賠多幾份? 確實係有咁嘅情況 ——定期壽險就係其一。定期壽險是人壽保險的一種,以最低廉的保費換取最大的保障額障,因為零儲蓄成分,保單屆滿後會自動終止。受保人會於保單期限內得到保障,如遇受保人身故,受益人將會得到計劃所定下的一筆過現金補償。

 

由於家庭崗位的轉變,有不少人會在購買了一份定期壽險後再多買一份:如有物業負擔的朋友買一份跟按揭金額和供款年期相同的壽險,有希望在財政上支持子女完成大學的朋友買一份為期約20年的壽險。

 

他們的出發點都是為了保障家人未來的生活質素不受任何意料之外的事情所影響。定期壽險的補償為清晰的約定金額,無重複投保問題,無按比例報銷。所以定期壽險的保單就可以按自己的意願或計劃keep多幾份。(續)


想我哋幫您做保單大掃除,直接聯絡我哋團隊:This email address is being protected from spambots. You need JavaScript enabled to view it.! 或者按此了解更多有關定期壽險-https://goo.gl/mjuIYj

P.S.:答案是:1個凌亂不堪,1個寬敞明亮。想新一年舒舒服服,多個錢周圍轆轆,咁就係時候做個「徹底」嘅大掃除喇!

Dec 13

1612-travel-insurance

 

您係咪每次放5日假都當10日玩的朋友?成日覺得假期唔夠用,旅行就要塞爆所有行程的又係唔係您?個個都想旅行去「嘆」,但您寧願看多啲感受再多啲-

 

旅行就梗係唔駛理其他人點睇,不過最緊要係自己知道自己可以去得幾盡,咁至可以分秒必爭到處玩樂!

 

充滿好奇心和想像力的旅行者,對以下情景,您又有無似曾相識的感覺?

 

機駁機唔容許Delay?
等咗幾班機都見唔到自己件行李又book咗間米芝蓮?
匆忙間漏咗電話喺Uber?餐廳?究竟去左邊?
少少水肚不服再加幾日上山下海,想話見吓醫生?

 

4樣中1樣?定全部都遇過?出門旅行當然會有意想不到的收穫或驚喜,就算中曬都絕對正常,因為旅行本身就是遇見未知。只要預先做好準備,回頭看這些無非是極為微少的枝節,甚至成為專屬您和朋友間的小故事。

 

我們平台將會推出假期旅遊保險優惠,放假就把負擔都放下,讓您和您的朋友跟著獨有的節奏探索,盡情分享節日快樂!

 

更多旅遊保險詳情:旅遊保險優惠


保障信用卡被盜用- 可參考 Allied World 的優悠樂-計劃II

Dec 13

christmas-insurance-zh-border

 

等緊聖誕等緊放假等緊人等緊車的您,終於有野係唔駛再等等喇!


登~登~登~櫈~佢就係我哋剛出爐的聖誕雙重獎賞!!


玩法非常簡單:只要您是我們的已註冊用戶,您的朋友就可以在平台上購物時使用您的推薦代碼即減$50,同時您亦會獲得我們送出的聖誕現金激賞$50 (無需抽獎無需購物即享!!)


未註冊的朋友,不用擔心,現在登記:https://www.insurediy.com/zh/sign-up.html 


擔心推廣因反應熱烈而提早結束的朋友,不用擔心,立即登入搶激賞!

Dec 13

 

1612-cruise-travel-insurance

 

身邊多咗朋友同爸媽旅行,台灣、日本短途最常見,而慢慢大家亦開始留意郵輪旅行。除了因為郵輪旅行唔駛安排交通,有觀光行程加大量戶外設施享受之餘,價錢亦越來越大眾化,請4/5日假都去到,係普通打工仔都付擔到嘅時間同價錢。

行程方面,雖然大部分都由郵輪公司安排,但是旅遊保險通常都係自己幫屋企人包辦,邊類保險計劃特別為郵輪觀光行程設計,保障又至為全面呢?

Sep 10

1009 DCSinsurance home EN-blog 

  

922日您可以真正聽到業內人士講數據中心如何創新,又如何保持優勢。出席Data Center Summit 2016嘅朋友仲有機會贏得InsureDIY贊助的現金劵。宜家即刻將您的姓名和聯絡電話發送至 This email address is being protected from spambots. You need JavaScript enabled to view it., ,電郵主旨註明「索取 Data Center Summit 2016 VIP Pass」。我哋總共會送出4張入場證俾InsureDIY用戶,先到先得,得到入場證嘅朋友將會收到我哋個別通知。有興趣嘅就千祈唔好錯過機會喇!(免費註冊您的賬戶。立即申請。)

 

日期:22/9/2016 

時間:0830 - 1700

地點:Crowne Plaza Hong Kong Kowloon East

詳情:goo.gl/OrvXPC

 

InsureDIY is a proud sponsor of the 8th annual Data Center Summit.

 

Up to 4 free VIP passes for the Data Center Summit are up for grabs! Simply email "I want Data Center Summit 2016 VIP Pass" to This email address is being protected from spambots. You need JavaScript enabled to view it.! You can even win InsureDIY vouchers during the summit's lucky draw!

 

Tickets will be given out on a first come first serve basis and is only open to InsureDIY users (sign up for a free user account here).

Aug 22

InsureDIY 在上半年默默耕耘,集中火力推薦我們認定為城中最強的保險產品;下半年,我們決定為自己團隊訂下目標,就是走出我們的安全地帶,用行動實際支持我們認定為城中最有凝聚力的Event!

7、8月是全年最火熱的日子,加上今年是奧運年,城中更是熱血沸騰。我們支持並贊助了幾個不同類型的活動:

 

1. KKDAY Event - 「有種心癮叫旅行」
非常喜歡活動以「診症」、「配藥」醫「旅行癮」做主題!我們認為喜歡旅行的朋友都是係怕悶嘅人,只有絞盡腦汁「咇」啲創意出黎先會吸引到佢哋嘅注意。KKDAY係台灣黎嘅旅遊平台,當日支持佢哋活動的嘉賓有方健儀、項明生等,好熱鬧呀,Welcome to Hong Kong!

 

1608 insurance events1

醫「旅行癮」其中一個藥方係-Plan行程!當日其中一個著數優惠當然係買旅遊保險有大折扣啦!

 

2. CloudTech Forum – IT 業界的雲端科技研討會
InsureDIY作為一個網上保險平台,得到不少IT界用戶的支持。佢哋見到我哋低調嘅作風都忍不住叫我哋多啲出現,於是我哋決定出現喺最多精英雲集的研討會。

1608 insurance events2

邊位同事、同行未知嘅話,麻煩您哋介紹吓,之後InsureDIY會多啲出現!

 

3. CoachUs Event - 有「種」運動營

CoachUs是連結專業教練和學生的嶄新網上平台,為了迎接奧運特別舉辦運動營,邀請公眾與里約奧運代表互動,仲可以俾大家跟住運動員學玩劍擊等高難度項目。我哋撐港隊,更加要撐推廣運動嘅香港人,因為運動唔應該因為奧運完結就停止,「運動」代表緊嘅係一種生活態度,”Sports is Life”!

1608 insurance events3

當日我哋送俾所有參加者的是健康保障(Health Insurance)的禮劵,希望熱愛運動嘅大家感受到我哋作為您健康大後防的堅持!

 

喜歡旅遊的朋友 - 記住留意我哋 FB,咁就唔會錯過城中最得意嘅活動,仲有得平plan行程平買旅遊保,仲唔玩盡佢!

 

IT朋友- 最熟悉網上平台的朋友,Search吓我哋有無您想要嘅plan先落單呀,保證我哋平一截!

 

「運動型」發燒友 - 運動人知健康,有健康有得玩,我哋黎緊會再支持更多「郁身郁勢」的活動,希望大家都可以郁多d。郁得多,健康保障都有得平呀!就係咁神奇,等我哋好消息啦!

 

有咩活動搞緊,又覺得我哋會啱傾嘅,快啲聯絡我哋!
Email:contact@insurediy.com 

Aug 08

對於保險科技(InsurTech),我們團隊當然是深信不疑,但一直走在發展的前端,難免會有很多停在沒有路牌的十字路口的時候;可幸的是在亞洲,對保險科技擁抱同樣願景的Startups一直保持連結。InsureDIY在新加坡認識InsurTechAsia--個以促進Startup與保險公司協作雙贏為首的網絡,對他們針對Startup社群的活動一向支持。

今個月他們更把活動由新加坡伸延至香港,邀請5間保險科技界的Startup分享他們的企業理念和創立方針,討論涉及他們看中保險模式內值得重塑,並可以創造價值的地方。他們活動的特色是除了有Startup參與外,還會邀請企業領袖及投資者出席,進行互動及對話。

日期:17-8-2016
時間:6 - 830pm
地點:Metta (@ California Tower LKF), Hong Kong
(限50人,需預先報名)

Jul 29

1607 hospitalisation maternity insurance 2

 

之前曾經提及購買醫療保險的同時,有意生育的朋友可以增添產科保障。最好預先計劃的原因是,產科保障通常會在一個等候期後才可獲得賠償。生效期一般為投保後的10個月後或第二年,因應所選擇的計劃條款而定。

 

除了提早計劃之後,萬全之策當然是仔細比較產科保障的受保範圍,不同方案的保障額由於受保範圍的差異,價錢會有很大的落差。為了減低用戶面對選擇帶來的不安和幫助您找到最合適的保險,我們嘗試為您簡單解釋兩大類產科產品的分別。

 

第一類:緊急情況支援型

分類為緊急情況適用的產科保障,主要保障婦女於懷孕期間及分娩期間有可能出現的併發症,及保障初生嬰兒因先天條件需要治療的住院開支。

 

以永明貼心醫療保為例, 計劃內的額外女性保障的範圍兼顧媽媽和BB兩部分。值得一提的是媽媽生產後遇有產後抑鬱的狀況,永明計劃亦能提供住院補償。產後抑鬱的情況,沒有生產過的婦女未必了解,但是它的普遍程度是每十位新手媽媽就有一位受到產後抑鬱症的困擾,特別是年輕夫婦生育孩子後面對角色的轉換以及生活適應的問題,比您想像的更容易陷入抑鬱的狀況。

 

另外,於保障BB方面,永明的額外女性保障涵蓋了13種BB因為先天性異常而需要於出生後30天內住院的費用。這種情況下的賠償以BB在出生後7天內的診斷為準。

 

這類產品被介定為支援類型是因為保費較便宜,一般產科檢查及分娩的費用並不囊括在賠償之內,投保人只需投入相對較低的金額換取一份安心,以為意料之外的事情作好準備。我們認為這類產品適合大部分準媽媽,之後我們會再介紹全面保障型的產品,讓您了解更多箇中的分別。

 

第二類:全面保障型 (後續)

如果現在就想知道更多,可以登入比較所有醫療保險:https://www.insurediy.com/zh/product/medical-insurance.html  

Jul 25

1607 hospitalisation maternity insurance 1

 

之前一直講了不少有關購買醫療保險的時機問題,卻沒有提及應該提早多少計劃有關產科保障及初生嬰兒醫療保障的需要。想到有計劃要小朋友的您或者都想多了解詳情,就讓我們直接在這裡同大家分享吧 。

 

預備懷孕前,大家都會想起要調理身體,夫婦共同安排家中財政,準備多一員的支出,但都忘記了為懷孕期間的風險計劃。我們認為要是您打算在幾年內生育,可以考慮購買一份包括產科保障的醫療保險,原因是產科保障通常會在一個等候期後才可獲得賠償。生效期一般為投保後的10個月後或第二年,因應所選擇的計劃條款而定。

 

所以,甚麼是產科保障?

產科保障特別為孕婦而設,通常是包括在醫療保險/住院保險計劃內的一個保險選項,以支援投保人生產前後所需要的額外護理費用。產科保障的範圍涵蓋媽媽和BB兩部分,保障的範圍由緊急情況支援型到全面保障型都有,我們稍後的文章會同大家剖析兩種類型的分別。

 

為什麼需要購買產科保障?

購買產科保障的前提是確保孕婦和照顧初生嬰兒的媽媽安心過渡一生中重要而幸福的階段,避免因為一些突如其來的問題或者支出,影響媽媽和BB的健康。

 

即使是基本保障,在需要的時候,我們會發現計劃對投保人不僅是發揮實際的作用,同時是心靈上的安慰 。

 

每月預算支出可以低至40元

產科保障由於所屬類型不同,InsureDIY平台上的產品每月供款可以由40至1300元不等,視乎計劃的保額及保障範圍而定。每人的承受能力各異,我們建議投保前先了解自己的能力及需要選擇,或者用我們的保額計算器估算一下,如果仲有唔清楚的地方,歡迎直接電郵我們:This email address is being protected from spambots. You need JavaScript enabled to view it.,讓專家為您解答。

Jul 20

1607 travel insurance

 

放榜之後,暑假在即,我們收到不少有關旅遊保險的查詢,其中一個值得同大家分享的是有關自駕遊的疑問。

 

究竟自駕遊的朋友應該在出發前購買有汽車意外保障的旅遊保,還是到達當地直接於租車公司購買車險穩陣呢?

 

市面上大部分的旅遊保險只保障受保人在作為乘客時乘坐交通工具(如飛機、火車、巴士) 時發生交通意外時所涉及的損失及偒亡;受保人租車駕車則一般不在受保範圍內,同行者亦不會受到第三者責任補償。

 

我們的建議是,如果你決定自駕遊, 於當地的租車公司直接購買車險會比較穩陣。一旦發生意外,除了用作支付車輛損毀的維修費用外,保險更會包括駕駛者以及乘客(第三者)傷亡索償保障賠償;當然需要注意的是賠償額如果超過上限,受保人則需額外支付,但大多數情況旅客可以於租車前選擇所需要的賠償額度, 保費較高的計劃相對有較大的賠償額。

 

在InsureDIY的平台上, Allied World, MSIG 及 AXA的旅遊保險設有租車保障,獲賠償的情況是租用車輛的損毀或遺失,上限為5000元 。購買此類旅遊保險的好處是如遇意外,受保人可獲賠償該汽車保險需要駕駛者承擔的自負額,俗稱「墊底費」的自負費用。而值得一提的是,含租車自負保障的旅遊保險,保費跟普通旅遊保險不會相差太遠。所以如果打算會租車的朋友可以選擇這類計劃,比起某些目的地需以逐日計算的形式購買化算。

 

要選購旅遊保險?睇我哋嘅比較表就最慳時間:https://www.insurediy.com/zh/product/compare-travel-insurance.html

Jul 11

1607 health insurance

 

隨著智能手錶的普及,近日推出的體重磅亦一同進化,除了磅數,同時量度身體質量指數(BMI)、身體成份分析(脂肌肉比例、骨質密度)、靜止心率,幫您評估心臟健康以及高血壓和心血管疾病風險,當然記錄會同步上載至您的手機,方便查閱。您又覺得科技有無帶動到您注意健康呢?

 

保險:最好只買不用

幾得意,不過無乜幫助? 雖然我們經常提醒讀者未雨稠繆,但無論我們還是保險公司都希望大家最後不需要動用到保險計劃 。除了因為最好是人人身體健康,保險公司亦希望減低賠償風險。最理想的情況是大家購買醫保及危疾保都是為了準備不時之需,而不需要實際使用到。當然理想歸理想,人的身體狀況很難說控制就控制得到,所以先有保險的出現。

 

獎勵投保人「動起來」 

平時購買醫療保險或者危疾保險均有驗身的程序,現在一讀投保人的智能錶或手機App,分分鐘更清楚他的健康狀況,甚至運動習慣。科技日新月異,人類對於掌控自己的健康已經提升了一個層次,保險公司亦在想方法追上這個洪流 。勤做運動有助降低患重病風險可以話得到普遍認同,因此保險公司想到利用科技的方便設立獎勵,鼓勵投保人養成良好的運動習慣,讓大家同步邁向保險只買不用的理想願景。

 

做運動換折扣

按運動量計算保費折扣就是保險公司提出的獎勵方案。投保人透過智能裝置或安裝指定的流動程式記錄自己的活動量數據,並按保險公司預設的活動量目標追蹤進度。投保人只要達到運動目標,便可享有指定醫療保險計劃的保費折扣。現在市面上有AIA及Manulife兩間保險公司設有這類型的醫保計劃。在 InsureDIY平台上可以找到AIA的特級「健康之寶」醫療保障計劃 2,只要參與「AIA Vitality 健康程式」,投保人最多可以有一成半的保費折扣,亦可換領飲食、健康及娛樂獎賞。

 

智能手帶、手錶甚至磅都無法激起您做運動的決心,可能賺取實際折扣會令您心動。了解更多有關計劃:https://www.insurediy.com/zh/product/medical-insurance.html

或者直接聯絡我們:This email address is being protected from spambots. You need JavaScript enabled to view it.

Jun 16

1606 medical insurance individual vs employer

 

對於醫療保險,很多朋友都會有錯覺,以為公司有保障就安枕無憂。我們認同有公司醫療點都是好事,只是大多數時候每個員工的需要都不一致,有時甚至可以差別好大,所以公司一般能夠做的,是為員工提供最基本的保障,以滿足大部分人的需要。

 

以每人對於醫療服務的要求為例,有逢病要看私家住私家病房的,有認為公立醫院設備更先進對病房類型無大意見的,有只信中醫中藥治療的,您公司的醫療保險是否能滿足您的期望呢?可能每每到您有需要claim的時候先發現呢樣無嗰樣唔夠,到時候可能連我們都不太幫到手⋯

 

除了傷風咳感冒這類小病痛,您的公司醫療有包括一些較為嚴重的疾病,所需要的住院或者手術費用嗎?如果有,受涵蓋的範圍有多少?以平均住院11日為例,有大部分還是小部分的餘額需要自己支付呢?醫療費用亦會跟隨通漲,評估的時候需要同時給予考慮。

 

最難搞的情況是您有可能在轉工、沒有工作期間或者新公司沒有提供公司醫療保障的時候需要入院。即使您不介意為一次半次入院自掏荷包,但到您意識到需要重新購買一份個人醫療保險,新計劃亦不保投保人的已有疾病。這是我們都著緊提醒客戶要為自己及早打算的原因。

 

醫療保障的受保範圍不盡相同,有強調住院現金的,有著重全面保障的,當然保障的範圍越廣,賠償越大,投保人需付擔的保費就會越高。但最重要的並不是價錢的考量,是投保人有否覺知自己的需要及是否願意為自己的負擔能力作出評估。

 

想幫自己或者屋企人購買醫療保障,不如先評估個人的需要再作決定:https://www.insurediy.com/zh/toolkit/life-insurance-calculator/hospital-insurance-calculator.html?return=hospital 

 

Jun 14

1606 hospitalisation insurance bupa

 

2016年是保柏在香港成立的40周年,聽到保柏,香港人都會聯想到它的醫療保險。但有幾多人會知道卓健醫療都同屬於保柏的國際總公司呢?

 

自1868年起植根香港的卓健醫療於2013年10月正式加入保柏。如果您公司有給予員工使用醫療卡的福利,卓健診所多數會被涵括在內,因為卓健是香港現時最大規模為企業提供醫療服務的機構, 全港有600多個診療中心。至於保柏本身是專營醫療保險計劃的公司, 為政府推薦向公務員提供醫療保險的服務商。保柏透過擁有卓健醫療的龐大本港醫療網絡, 自此讓受保人有更多醫生選擇, 得到更全面的保障。

 

InsureDIY平台除了一直完善我們的保險比較列表,方便用戶外,我們團隊亦非常重視保險公司的背景及發展,致力為用戶挑選信譽良好、經驗豐富的保險公司,讓大家都能夠安心投保。以保柏為例,我們選擇的「保柏卓康健」可以反映到公司本身熟悉醫療服務的好處:

 

一)基於對醫療服務的了解,該計劃以每次手術計算賠償,以賠償受保人至最高賠償額。相對而言,市面上大部分醫療保障計劃的手術賠償則傾向以每病症計, 即因相同病症而引致的手術費用均會在同一保障額扣除, 做法令受保人實際所得的賠償金額可能比預期少;

 

二)另外,由於保柏覆蓋的醫療網絡達至全港私家醫院,只要有保柏醫療卡即可通行,住院亦可免卻冗長索償手續。

我們認為保險需要因人而異,因此InsureDIY平台上提供的保障計劃有不一樣的特點,相同的是我們團隊對每份保障的執著。我們相信只有認真的了解我們所挑選的計劃,才能令我們的用戶注意到計劃的細節,明白計劃是否確實配合他們的需要。

 

想睇清睇楚邊個醫療計劃先啱自己同屋企人?立即向我們索取報價

Jun 10

1606 hospitalisation insurance

 

汽車入廠不外乎保養維修,香港人有時用「入廠」形容住院不無原因,因為我哋嘅身體的構造比汽車不知要精密多幾萬倍,數十年人生難免有「入廠」檢查,做大小手術的時候。

 

醫療保險同時被稱為住院保險,因為市場上的醫療保險,保障範圍均集中於住院部分,因此把醫療保險稱作住院保險其實非常貼切。

 

咁您對住院保障的認識又有幾深呢?

 

對與錯

 

1.    醫療保險提供住院醫療費用的所有賠償。

錯。購買醫療保險時必須留意的是每項基本保障的內容,即每日病房、醫生巡房費或住院雜費等的賠償限額以及每種疾病或每宗手術每年總賠償的最高賠償限額。當然限額設得越高,金額賠償得越多。

 

但值得留意的是限額設得越高或者全數受保的計劃,保費都會較為高昂。如果您已有公司醫療保險來保障部份醫療開支,那麼您可以考慮免賠額較高的醫療計劃。

 

2.   免賠額是指受保人不需要承擔住院醫療的費用額度。

錯。免賠額是指保險公司在作出賠償之前,受保人先要自己承擔的費用額度。有免賠額的醫療計劃,受保人需要自付小額醫療開支,餘下的住院費方可以獲得賠償。因為用者自付部分增加,保費自然可以相對降低。

 

打算添加住院保障?立即上InsureDIY登記,比較市面的計劃,check吓邊份最啱自己。

https://www.insurediy.com/buy-now/buy-medical-insurance.html 

May 31

1605 critical illness insurance

 

大家心目中已經有答案?危疾保險裡面所謂的「危疾」,即使是不同的保險公司,他們所介定「危疾」的方式基本相同 ,即一一列出受保疾病的名稱,讓受保人在購買保險計劃時已經清楚知道哪項疾病會被涵蓋於賠償範圍內。


癌症、心臟病和中風均被普遍危疾保險計劃承認為危疾,於保險計劃經常出現的名稱,同時是本港十分常見的三大致命危疾。除了癌症、心臟病和中風這些比較為人熟悉的名字外,保險公司承保的疾病可以多達 50種以上。看似簡單的羅列區分,保單上往往會附上更詳細的定義說明,一些疾病初期的前兆,或者特定的癌症不受保障,建議投保人於購買前注意。

 

市面上有其他的危疾保險產品可能會有類似「全保」的情況,即連較早期的危疾前兆也會受保如前列腺之初期癌症、心臟起搏器植入等,投保人可以預期此類型產品的保費相對會較高,在選擇危疾保險計劃的時候最好先考慮自己有否其他的保險開銷,以免負擔過重。如果自己已經同時有醫療保障或定期壽險計劃, 投保人可以先了解本身的計劃與欲購買的危疾保險有否重疊的保障範圍,以決定需要多大的保障。


危疾保險最大的作用莫過於賠償可以應付投保人因為嚴重疾病而長期無法上班,導致收入中斷的臨時開銷及突如其來的龐大診療費用。不如先簡單數手指:您有否預留最少6個月的薪金來支援您在康復時的開支,加上每日最少港幣$700的復康護理費用?這是我們建議的基本數目,當然您也必須考慮平日您的收入在家庭當中所佔的份量,以應付伴侶或者子女的日常支出。


仲數緊手指,不如直接用我們的免費保額計算器幫幫您!

May 27

1605 critical terminal illness insurance

 

聽起來實在非常相似的專業用語,購買保險時您應該如何分辨他們?

 

危重疾病保障即我們日常聽到的危疾保,如受保人不幸患上保單上列出的危疾如嚴重疾病或癌症,患病期間仍可獲享財務保障。與普通醫療保障的不同之處在於危疾保障以一筆過賠償取代實報實銷。受保人於購買危疾保障時可以決定其需要的保障金額。

 

末期疾病保障則只適用於受保人被診斷患有「末期疾病」及預期壽命不會超過 12 個月的情況。以InsureDIY平台上的「蘇黎世國際定期壽險計劃」為例,受保人需要得到一位「適當的專科醫生」和「公司醫務總監」同時認同其已完全符合「末期疾病」標準。與危疾保障相同的地方是保險公司同樣採取一筆過賠償的方式賠償受保人, 但保障金額會因不同公司的不同產品而異 (如有需要,可透過我們的比較表了解)。

 

末期疾病保障的出現是基於保險公司希望為受保人及受保人家屬提供特別財務援助,渡過患病末期階段或臨終階段, 因此,末期疾病保障甚少獨立存在。通常末期疾病保障會以附加保障形式出現於定期壽險計劃內。

 

想知道更多有關危疾保障的資訊,可以登入InsureDIY的頁面了解不同保險公司的計劃

 

May 24

1605 protection insurance waiting period

 

A.望著電話等

一定是LoopInsureDIYFacebook

 

B. 望著部MacBook

一定是研究緊InsureDIY的網站

 

C. 唔想齋等

一定是等緊我哋同您解悶,咁就試下workwork

 

「等候期」是指從保單生效起計的一段指定期間。如果意外發生在等候期內,一般而言,保險公司都會承保,而在此期間發生的疾病則不在承保範圍內。

 

所以您通常會見到「等候期」的字眼出現在醫療及危疾保障的保單上。

 

1. 最常見情況:保單生效後的90天至180天的「等候期」

為了確保疾病是發生在購入保險計劃後,屬於保險公司的承保範圍內。

 

InsureDIY平台上的「蘇黎世國際定期壽險計劃」為例,危疾保障索償需發生於承保日的 180 天或以後的情況下才會獲受理。

 

2. 其他情況:多重保障下的「等候期」

以癌症索償為例,受保人於首次癌症索償後,市場上有不少計劃可保證受保人再獲額外兩次賠償,賠償無論癌症為舊有抑或新確診。在多重保障的情況下,保單上會列明每次復發相隔13年不等的「等候期」。 

 

InsureDIY平台上的「永明金融危疾保計劃」列明癌症賠償間間隔1年的「等候期」,共3次索償。之後兩次賠償額均可達原有基本保額100%,即最高賠償額為原有基本保額300%

 

D. 唔等

一定是唔等得,即刻聯絡我,睇下仲有咩百寶可以借俾您。

May 05

1605 domestic helper insurance 1

如果有留意近日的新聞,您應該聽聞菲律賓勞工部的網上公告要向海外人力資源中介收取五萬美元作保證金一事。此條新例在 4月14日 設立,理應由4月28日起可以執行,但至今香港菲律賓領事館暫未有公告。

 

1. 僱主應留意動態發展 

作為僱主的您應該明白中介的事與您息息相關。根據蘋果的消息報導,收取保證金一事是由於近期阿拉伯國家減產,導致很多傭工遣返國家過程中,當地中介中心沒有履行責任遣送回家,造成很多不平等對待,最後要菲律賓國家協助回家,所以要收保證金以支付相關費用。倘若中介公司倒閉後欲取回保證金,也可能要五年後方能取回。

 

2. 僱主或需面對中介費攀升   分分鐘由一萬升至一萬五千元

一旦新政策實施,在港經營海外僱傭中心的行家不排除中介公司會把費用轉嫁,最後要求僱主負責繳付保證金,或大幅提高中介費最少五千元,由一萬元加至一萬五千元。對僱主而言,中介費用增加難免會造成額外負擔。

 

3. 僱主可以改用App配對  省卻介紹費

根據香港政府網站, 除了僱傭服務公司,您可透過刊登廣告或私人轉介聘請外籍家庭傭工。最近在討論區引起熱話的HelperLibrary手機應用程式,是首個由兩位媽媽於本地開發的中文外傭配對App,利用網絡,讓僱主及外傭自由上載招聘告示及求職履歷。現時這個打破傳統的招聘模式,已經有800名僱主及外傭登記。其他網站配對選擇有HelperChoice同Asiaexpat,方便外傭搵工,僱主搵人。

所謂配對功能是指,系統會根據僱主填報的要求,自動配對待聘工人名單並傳送確認,雙方若意合,可透過視像通話直接聯絡,作出了解。

配對成功,作為僱主的您到時候只需找代理為外傭代辦來港手續,與外傭簽訂由入境事務處處長指定的標準僱傭合約及替外傭申請工作簽證。因此您可以免卻了向中介公司付出介紹費的部分。

 

4. 僱主支出低34成,保險就千祈唔好慳

省卻介紹費,中介公司代理外傭來港手續只需七千至九千元左右,慳到的錢連買埋家傭保險之後都仲綽綽有餘。因為不同的原因需要急聘或者轉換外傭,保險公司都會兼顧,如AXA的「卓越」優傭樂免等候期保單生效後家傭即時受到保障;改聘費用每年之賠償總額亦有$10,000,比其他家傭保險的改聘費用高出一倍之多。所以即使轉模式,聘請外傭都可以得到安心保障。

 

要比較更多家傭保險計劃保障範圍,可以按此了解:

資料來源:GovHK香港政府一站通,蘋果日報

Apr 19

1603 domestic helper insurance

 

越來越多父母選擇出外工作賺多個錢,供樓好,供仔女讀書好,少不免要請工人姐姐打理家務,照顧仔女。只要做好保障,多一個人同住不一定多問題,家傭做好工作切實減輕家庭負擔,亦可以令工作中的父母既安心又放心。

 

家傭保險讓聘請外籍家傭、本地全職/兼職家務助理的家庭履行作為僱主在法律上的責任之餘,同時為家傭提供保險保障,避免家傭在受僱期間意外受傷對僱主造成突如其來的額外支出或負擔。

 

Allied World Insurance的「持家樂」家傭保險對於保障家傭的醫療開支方面做得最為全面,有高達$80000的住院及手術費用賠償,並包括出院後30天內的覆診費用。計劃中並涵蓋全年25次的免費普通科門診服務(指定醫生網絡),無需索償手續,省時方便。相信因為這兩個特點,「持家樂」家傭保險成為目前為止InsureDIY.com平台上最受歡迎的家傭保險計劃。

 

除此以外,我們也明白到要找到一個好的家傭並不容易,經常轉換家傭小朋友不易適應之餘,當中涉及更多大大小小的費用。如果這是您正在面對的困難,我們建議您選用AXA的「卓越」優傭樂。遣返費用每年之賠償總額最高為$20,000,連改聘費用每年之賠償總額亦有$10,000,比其他家傭保險的改聘費用高出一倍之多。

 

InsureDIY.com平台正在進行推廣,購買家傭保險九折外另送你5%額外折扣 (優惠6個月有效) ,一秒登記,領取優惠-宜家用得,之後用都得。

 

Apr 01

1604 Voting Final2small

InsureDIY 一站式保險比較平台, 有齊各大保險公司(AXA,AIA,ACE,MSIG, Allied World) 的保險計劃,保證㨂到您啱,仲有安心價格保證,即時退還差價。

 

收到大家電郵的作品,感謝所有朋友對「國度・角度」攝影比賽的支持!

 

我們由今日起正式進入投票階段,除了參加者可以拉票外, 大會為了增加粉絲的投入度,特別增設大抽獎,抽出3名投票者,幸運兒可以各得到$100 Starbucks 現金劵及$100現金回贈 (於InsureDIY.com購買任何保險時使用 )。

 

立刻登記,雙重獎賞! 

投票將於4月10日截止,比賽結果會於翌日 InsureDIY Facebook專頁公佈。我們將另外以電郵通知獲得最多VOTE的得獎者及3位被抽中的幸運兒。如幸運兒在截止日期前(即4月10日前)已於 InsureDIY.com以電郵登記帳戶,我們會即時送出雙重獎賞,對,是雙重獎賞!!-即$200 Starbucks 現金劵及$200現金回贈

 

Step 1: 立刻登記萬勿錯失良機!

 

Step 2: Click入即Vote!

 

InsureDIY 一站式保險比較平台, 有齊各大保險公司(AXA,AIA,ACE,MSIG, Allied World) 的保險計劃,保證㨂到您啱,仲有安心價格保證,即時退還差價。就黎又飛,即刻click入去睇下邊份係必備的相機保障

Mar 21

除了換個國度,有時候換個角度,世界都可以因為有您而不一樣, 同我們分享您的視野,讓您我他都可以嘗試轉變角度,發掘身邊大大小小的美好。

1603 artwork option1 Final3.2

Mar 10

相比起其他保險投資產品,定期壽險可以話是最務實的一員。對於保險公司而言這項產品缺乏吸引力,原因是定期壽險比起帶有儲蓄成分的人壽保險的保費要低,然而保險公司需要向投保人提供的保障卻最大,難怪保險公司較少動力推廣定期壽險:支出同收入不成正比。變相保險經紀從定期壽險中得到的佣金亦是最少,所以Agent 準備的 ABC Plan 裡面都未必會見到定期壽險的選擇。

 

聰明的您咩都Google一餐,買保險要真金白銀供就更是加唔喜歡是是但但。為了幫助您更加了解自己的錢投放喺邊,我們用個簡單的圖表解釋一下市場上的人壽保險同定期壽險的分別。左邊的是定期壽險,右邊的是人壽保險。由於人壽保險帶有儲蓄成分,投放在保障部分的金額自然大幅減少,僅佔整體的四分之一左右。

 

1603 Life Insurance vs Term Insurance

註:圖表僅供參考。儲蓄及保障成分的實際分佈視乎產品及保險公司而定;而且無論定期壽險或人壽保險均涉及保險公司需收取的行政處理費。

Mar 09

1603 Term Insurance After Graduation

 

百物騰貴,薪酬永遠跟唔上通賬的香港,就算去少轉日本,都無邊幾個年輕人儲得起錢。收入低、儲蓄少、家用唔可以少係咪您嘅寫照?

㨂定期壽險作為您的第一份保險可能是最佳選擇。因為定期壽險可以幫助您以最低保費支出取得最大金額保障,因為有部分計劃按年紀調整保費,即一畢業工作時需要繳交的保費較少,不需佔用太多資金;隨後工作或收入增長,保險公司同時按續保時(如每5年)的歲數提升保費,令您不會一時間負擔過大,亦可獲得心目中的金額保障,盡家庭責任。

好消息是定期壽險比人壽保險的保費更可以低接近75%,多餘的錢除了用作儲蓄以外,啱晒您自己話事,鍾意點投資就點投資,唔駛局限於任何保險計劃之內,免卻手續費、行政費等,一分一錢用番喺自己身上。

提提您:定期壽險因為簡單明確純人壽 (即保單屆滿後會自動終止-受保人安然,沒有任何現金可提取或退回),保險公司所承擔的風險責任期限確定,保費競爭相對較大,無謂擔心比人供多供少,用咗InsureDIYCompare Table比較報價先買就唔駛揼心。


或者可以先參考我們的例子-26歲非吸煙男士購買300萬保額的定期壽險。

 

Feb 26

猴年開始想執一執買落大大小小的保險計劃,定期壽險或者幫到您 clear-and-cut.

 

人壽保險您或者聽得多,定期壽險您又知唔知係咩,有咩分別?

 

定期壽險其實是人壽保險的一種,保費普遍比人壽保險低廉,同時定期壽險因為減去儲蓄成份令保障額比同保費的人壽保險要大;簡單而言,如果已經有其他儲蓄投資保障,純人壽保險的保障反而更為全面!

 

聽落吸引,但講到長遠planning又點可以兒戲?各大保險公司的定期壽險計劃有不同的特點,要知邊個plan至啱自己,首先要跟步驟做一做團隊為幫助您評估個人需要而設計的test。只有6條簡單問題,三分鐘內您肯定可以答曬:

https://www.insurediy.com/zh/toolkit/life-insurance-calculator/life-insurance-calculator.html   

 

  1. 您希望每月能提供多少生活費給您的家人?(等同每月家用,唔好計漏)
  2. 您打算供養您的家人多少年?(父母、子女、無收入的配偶)
  3. 您打算為您的小孩提供多少教育經費?(供到大學?本地 4年制 x HK$50,000 (+海外留學))
  4. 您希望預留多一筆額外現金給您的家人嗎?(通貨膨脹、不時之需⋯)
  5. 您有任何未付清的按揭或債務嗎?(按揭、汽車貸款和信用咭結欠會直接影響購買的保障年期)
  6. 您現時有沒有任何資產或保險計劃能作日後保障之用? (假設您已有保險分擔部分保障範圍,保額數目可相對減輕)

 

透過你提供的資料,我們就能夠簡單估算您需要的定期壽險保額及每月保費。保險專家通常會建議您購買現時全年總收入的5-10倍作為保障額,但因為每個人的情況不一,您的年齡及健康狀況、子女及配偶的年齡等都會令您的保障額有所增減,所以都是先Test下唔洗估估下。

Feb 20

Life Insurance Planning

 

提到有關時間分配,團隊竟然進入了認真討論,顯然人人都面對一日九萬幾樣嘢要處理的狀態。有一樣比較特別值得同大家分享的是有人提出『思考時間』要寫落schedule到。我哋好想知道有冇朋友咁做緊?

 

每一日有幾條to-do list要清,除了效率同效率,點樣可以做到”Less is More”?究竟有幾多事情係必要做,有幾多係必要做不過唔係你做?因為人人全天候在線,淨係反應都黎唔切,諗點做,諗下一步⋯最重要嘅做黎為咩,為邊個做可能完全忽略。如果您係都越來越只顧交數,放棄質素,咁就要趁新一年改變吓。

 

所謂嘅『思考時間』其實係我們團隊中覺得非常重要的個人時間,它的作用是可以方便您在最繁忙的時間透支。編定的『思考時間』可以是一個鐘以內,一個禮拜至少兩次,一次是禮拜頭檢視和訂下 priority,另一次是禮拜中中期檢討,以及時回應計劃變化,重訂行動次序或具體策略 。就算您手忙腳亂的時候都不致於失去重心或者方向,保持工作的質素之外,最重要的是keep住無事不能駕馭的信心。

 

『思考時間』可以話係InsureDIY的另一種未雨謬,希望喺保險之外幫到您新一年諗咗先做,越做越好。

 

如果要諗埋屋企人先做, InsureDIY都可以幫到您:定期壽險 

Feb 17

Post1Image

 

一年之始,大家係咪已經有一籃子的大計呢?要實行曬所有大計,最大的敵人莫過於時間。有一個說法是人怎樣運用一日的時間,就是他怎樣運用一生時間的縮影。猴年您會否重新審視自己一直以來對於時間的分配嗎?

 

網站Waitbutwhy.com發表了一個圖表,以週劃分來展現美國人一生的時間用到哪裡。就算沒有仔細研究,都可以大致見到人一生可以分為接受教育、工作以及退休三個標誌性階段,工作更比另外兩者份量還要重些。即便如此,人生還是十分來去匆匆,一張A4紙就完了。為了提醒大家時間寶貴,爭取機會發掘每個階段的無限可能,該網站甚至有設計好現成圖表讓大家貼在家中牆上,讓您可以計劃至90歲。

 

您或者會覺得這樣未免太誇張? 但是InsureDIY 團隊每天集中處理保險計劃分析,經常在金錢換時間換安心的角度遊走,慢慢發現每人心目中都有想要實行的計劃,而每個人對於planning的仔細程度亦各有不同,有些人確實係想得非常長遠,考慮極為周詳的。當您在想出年要去至少兩個大trip的時候,佢諗緊嘅可能係點樣可以在五年內環遊世界。

 

我們猴年的新年願望是希望能夠為信任InsureDIY的您日日計劃,天天數算,無論計劃大定小,我們同樣重視。當然團隊會繼續貼心為您挑選各大保險公司的計劃,滿足不同階段有不同需要的您。

 

對定期壽險有興趣https://www.insurediy.com/zh/buy-now/buy-life-insurance.html

對旅遊保險有興趣:https://www.insurediy.com/zh/buy-now/travel-insurance.html

Feb 12

travel insurance shopping

 

即使平時幾節制,一去旅行就有買唔夠焦慮,瞬間變購物狂得,得咗。

 

紀念品爭咁個唔得唔得,閂喼一刻重要塞?其實生活壓力大,買野氹下自己氹下朋友係幾開心嘅,所以喺你番香港之前提提您:

 

- 隨身攜帶購物收據

 

如果您打算將在旅行中購買的物品寄艙,要緊記隨身攜帶收據,避免放在行李內!因為萬一,係話萬一航空公司寄失了您的行李,您都可以輕鬆提供購物證明。通常遺失之行李購入不超過一年,保險公司都會以新購價賠償。

 

-遺失財物或現金要盡快報案,並索取一份報案紀錄

 

「論論盡盡」的您買得太多野,唔覺意跌銀包、跌呢樣嗰樣。第一個反應是盡快(24小時內)報案。因為無論遺失財物或者現金,大部分保險公司都會要求您出示一份報案紀錄以作申索保險賠償之用。個人錢財如現金、銀行本票 、旅行支票,及補領遺失證件的費用如旅遊證件、身份證明文件及信用卡等,大多數做法都是在行李賠償總額外作分項計算的。

 

嚴重大頭蝦提示:如果在外遊期間意外遺失信用卡,導致信用卡被盜用而引致金錢損失,都有保險可以幫到手。不過唔係隻隻保險計劃都有,要買之前自己加對眼留意。世聯Allied WorldQBE的旅遊保障都有分別$2000-$5000的信用卡被盜用補償。詳情就要上InsureDIY對比番。

 

自己旅行自己㨂,上InsureDIY一眼睇曬

 

Feb 10
Feb 08

大年初一,InsureDIY祝大家今年好(猴)市好(猴)運,賺多啲賺多啲!!!

 

CNY Greeting 1

Feb 05

travel insurance camera insurance

 

宜家旅行一大班人當中總有人手執長鏡頭超Pro相機,咦?覺得好似講緊你?咁買旅遊保就唔好求求其其喇!

 

旅遊保險入面寫的『意外遺失或損毀的行李 』通常係都係賠萬幾二萬㗎啦,點都唔夠嘅,不過好過無係咁諗嘅就睇清楚喇,分分鐘可能得輕輕四位數添咋。

 

因為行李賠償通常都係以每件/每對黎計 (手錶、耳環),設分項上限,由$2000到$8000不等,最高賠償總額加埋先有你心諗嘅萬幾二萬。選擇分項上限限額較高的保障當然比較好,不過最專業的做法是睇埋有冇額外相機保障,因為通常保障額一定會比沒有標明的為高,例如安達新設的相機保障賠償額就達到五位數字。

Feb 04

P1 A

估唔到您的登機證隱藏咗咁多重要訊息?(來源:Krebs On Security

 

之前網上流傳登機證po上網所出現的個人資料外洩問題,大家一時之間警覺起來統統收埋,FB唔曬登機證相;但同樣重要嘅係唔好隨手就丟咗張登機證,因為唔講唔知claim旅遊保險的時候,張登機證極之有用。

Jan 27

見到首頁『立即買』之後,點按會出現旅遊保險出現在選項當中,然後直接選旅遊保險。 

travel insurance compare 1

Jan 26

天寒地涷有咩好得過匿埋喺被竇? InsureDIY可以俾您唔駛出被竇,一條龍搞掂報價、格價、購單三個步驟。不過要‘執’到至正的旅遊保,您要首先識得用、識得睇、先至懂得分。由今個禮拜開始, 我哋會分析下點樣scantable先至正宗。

 

首先有人會問個table點樣出來? (不防睇睇下圖提示)

 

見到首頁『立即買』之後,點按會出現旅遊保險出現在選項當中,然後直接選旅遊保險。 

travel insurance compare 1

Jan 22

travel insurance apps

 

1. wifi唔驚離線地圖 (Maps.me) 

現在Google 地圖 app 已經在某些國家支援下載離線地圖,但是日本台灣兩個香港人出走熱點仲未有,所以呢個時候您就可以靠佢。

 

2. 報平安電話亭(XONE)

Smartone的朋友用ST WiFi通話csl/1010的朋友用king 打番香港屋企人可以當平時電話接,咁其他台的朋友呢?XONE除咗有三分鐘限制之外一樣打到番去加埋免費打當地電話

 

3. 唔駛網絡GPS導航 (Navfree)

去美國或歐洲自駕遊的朋友可以睇住離線導航的地圖直接選取當地景點做為目的地它就幫您計算到達時間免費導航。

 

4. 口在手邊對話翻譯器Vocre Free Translator)

直接將您的說話或者問的問題對著程式,它就能夠即時翻譯成您需要的外語,外國人傾計話咁易

 

5. Wifi隨意門 (Wifi Finder)

Wifi Finder是可以離線使用的 app, 有佢幫手區搵上網熱點問題

App出發前download定,但係唔見咗電話咪弊?所以就唔好等失去咗先黎諗喇。而家上InsureDIY睇定,到時就可以減低損失。提提您安達和AXA的旅遊保險都包遺失手提電話保償,詳細比較可以click入去睇番:

http://insurediy.com/zh/get-rewards/travel-insurance-cny-25pc-2.html  

Jan 22

香港星期日會落雪?

 

天文台至今參考超過三十年的歐洲中期天氣預報中心在業界較有權威性,佢點講?ECMWF電腦預報指,香港新界北部周日(24日)清晨5時至下午2時,以及下周一(25日)凌晨2時至早上8時,地面氣溫或跌至0至4°C,約1500公尺高空跌至-5至-10°C。咁即係落唔落?美國國家氣象局同日本氣象廳都支持呢個說法,但香港天文台就話會結霜,落雪就⋯未必,咁星期日就自有分曉喇!


InsureDIY幫您理性分析所有選擇,俾您話事㨂到啱。  買埋最抵旅遊保,要去日本追雪滑雪都仲得。

Jan 21

travel insurance sports

Photo credits: Left - Associated Press; Right - Yong Pyong Resort 

 

見到好多朋友po滑雪相心郁郁?CNN指亞洲滑雪勝地之一韓國的大關嶺(Daegwallyeong-myeon) 擁有全國最長的雪道,有5.6公里長,堪稱為韓國阿爾卑斯。而且大關嶺位處的江原道平昌郡有豐富的降雪量,2018年的冬季奧運會都選址在這個高原地帶舉行。

 

如果想快人一步試滑試玩就千祈唔好錯過啱啱開幕的「大關嶺雪花節」。「大關嶺雪花節」是韓國江原道冬季代表慶典之一,除了傳統的雪雕展外,今年新增多項冬奧運動體驗,包括越野滑雪、冰壺、冰球等項目,以及開放奥運會比賽場館予公眾參觀,實行先睹為快。

 

「大關嶺雪花節」至210日先完,想近近放假走一轉的朋友仲plan得切喎!至於旅遊保就交俾我幫您搞掂,農曆年特別75折優惠,提提唔好唔記得輸入我們的折扣代碼

 

雖然大部分喺我哋平台嘅旅遊保都有業餘運動保障,但係心水滑雪保我會推薦安達。原因係付出接近的價錢可以得到最高額的醫療保障之餘,佢仲諗埋屋企人;安達family plan特點係兩人價錢就可以帶子女同行,數目不限。Click入去自己睇過先好信。

 

travel insurance buy

 

自己旅行自己。上InsureDIY,一眼睇曬!

Jan 17

如果您有空姐空少的朋友,大概都知道歐洲的扒手因為近年經濟變差而越來越猖獗。Christophe Gadenne曾經是法國警察,他開設的YouTube頻道《Safety Scouts》完勝總結歐洲扒手最常用的竊技倆,而且會不斷更新。他的視頻用動畫生動模擬案發過程,輔以英語解釋,希望有助旅客及早防範,得公諸同好。

 

扒手最多的地方有巴黎、西班牙、意大利等,幾個當地最常見的技倆包括:

 

  1. 法國巴黎:大街上向你靠近,表示你掉了重要的隨身物品如戒指、鈔票。你想解釋那並非屬於你的時候,他會堅持要你收下,然後再要錢,他或者同伙趁你沒有為意即時走你的財物。
  2. 西班牙巴塞隆拿:偷偷弄髒你的衣服或鞋,然後扮成路過的陌生人提示你身上的漬,主動要求幫你清潔。實情是轉移你的注意力,趁你不以為然的時候走你的財物。
  3. 意大利羅馬:假裝不小心撞到你,或者在你前面突然停下令你不小心撞到他,藉此轉移你的注意力再走你的財物。

想睇多啲或者share俾朋友:

 

旅行離不開吃喝玩樂,放鬆少少在所難免,但出發做好準備就對可以減少損失。

 

*即日至農曆年期間75折優惠! 平均幫你慳$65

Nov 17

travel-insurance-pic-cog                Edit your profile details by following the instructions here. 

 

Sep 13

dove travel insurance 

 

 

最近,曼谷的爆炸事件對很多受害者來說都是一場可怕的悲劇。事件中,共有20人死亡和125人受傷。而且,事件中有香港人死亡和受傷,確實令人十分震驚。在此,我們對受影響的家庭致以最深切的慰問。

 

鑑於最近發生的悲劇,使我們的一些客戶向我們查詢旅遊保險會否承保恐怖襲擊。在某程度上,一些旅遊保險產品會比其他一般的旅遊保險產品提供更多保障,願意承保恐怖襲擊所造成的損失。

 

在這篇博客文章中,我們會介紹在我們的網站上都有提供的AXA旅遊保險產品,它可以提供一個承保恐怖襲擊的周全旅遊保險方案。

Aug 24

 

aia-um 

 

 

定期保險,又名人壽保險,是一種當投保人去世後,受益人會得到一筆保障金額的簡單保險產品。然而,儘管許多人都熟悉人壽保險,但大多數卻不知道他們何時需要購買。

 

那麼,你應該何時購買你的人壽保險呢?

Aug 09

 

 Travel-insurance-3

 

 

這會是比你想像的高...

 

 

你有沒有想過在旅程時會遺失行李呢?你又可能會問,是否真的值得購買旅遊保險去保障行李損失?那麼,國際航空電信協會(SITA)的統計資料會令你大吃一驚。

Jul 30

 

Life-insurance-heartsm 

 

定期保險,又名人壽保險,是一種當投保人去世後,受益人會得到一筆保障金額的簡單保險產品。雖然人壽保險看似簡單,但你亦應該在購買人壽保險前徹底考慮一些問題。

以下是5個關於人壽保險的常見問題:

Jul 20

 

旅遊保險 

 

 

在旅行時使用智能手機可以讓我們的旅程變得容易輕鬆得多!以下是我們的六個小貼士,讓你在旅程時好好地運用你的手機。

Jul 08

 

旅遊保險 

 

大家都知道購買旅遊保險的重要性,但您又是否知道該怎麼做才能確保索償過程順利?

 

以下有5個簡單但重要的貼士,是您在國外旅遊時需緊記的。

Jul 02

 

旅遊保險 

 

準備去旅行?

 

對於一位明智的旅客及其同行的家庭成員來說,一份合適的旅遊保險是用來保障您的航班,行李或健康一個不可缺少的必需品。

 

InsureDIY這裡,您可找到所有關於如何為您及家人選購合適旅行保險的須知。 

 

“等一下!我的僱主已經為我購買了旅遊保險。”

 

雖然公司的旅遊保險可能已覆蓋了您的商務旅程,但您亦應該檢查一下那份保單是否還包括您的度假旅程。而僱主的旅遊保險亦不會承保您的家庭成員,包括小孩。

 

 

“我和家人一起去度假,我的孩子能獲得旅遊保險折扣優惠嗎?”

 

如果您的孩子是17歲以下,通常是可以免費或以較低的價格購買。但是,個人意外和醫療保障額就相對會較低。如果您想孩子得到全額保障,那就要為他另購一個獨立的保單。

 

 

“我會在旅程中租車駕駛。我的旅行保險是否覆蓋租賃車輛?”

 

有些旅遊保險可能只會賠償部份出租車輛保險未能覆蓋的自負額,並不是全額賠償。您可能需要為出租車輛另購一份單獨的保險。我們的旅遊保險比較表清楚地顯示了哪份旅遊保險計劃包涵了租車自負額。

 

 

“好了,那麼,哪一份才是最好的旅行保險呢?”

 

這真的是取決於您打算在假期中做些什麼!以下是一些例子:

 

 

•如果您打算滑雪,那需要確保購買一個包涵業餘及消閒運動的計劃

 

•如果您會在旅程中駕車,那便可以考慮購買涵蓋出租車輛保險自負額的計劃。

 

•如果您會大量購物,那您可能要考慮有較高行李遺失的計劃

 

•如果您經常外出,那麼,購買一份全年計劃會比較划算

 

Jun 19

 

5-travel-insurance-bens

 

Travel Insurance have a wide range of benefits and sometimes, it is easy to miss out on some benefits that you could have claimed on but did not know about.

 

Here are 5 things that you probably did not know about your Travel Insurance.

Jun 01

There are 3 simple steps to the online application process:  

1>  Enter your details

2>  Compare

3>  Buy! 

 

After the online process, we will contact you to re-confirm your application and to arrange for you to sign the application form. The policy is issued only after the insurer has reviewed the application and confirmed acceptance of the policy. Medical examinations may be required, click here to learn more on medical examinations. As your broker, we will follow up with the insurer on your case and update you on the progress. 

 

簡單3個步驟完成網上申請:

1>  填妥簡單表格

2>  比較

3>  購買! 

 

網上程序結束後,我們會聯絡您以再次確認您的申請,並安排您於申請表上簽名為實。經保險公司覆核申請及接受投保後,我們會正式開發您的保單。保險公司有機會要求投保人進行驗身,點擊這裡了解更多驗身需知。作為您的經紀,我們會就您的個案向您投保的公司作出跟進,並匯報進度。

The products that we sell are full featured products where you can choose very high sum assureds. For high sum assureds, you may be asked to go for a medical examination. For lower sums assured, only a declaration on the application is needed. The non-medical limits are different for the different insurers.

This is the same process that you would have to go through if you buy the policy through an insurance agent.

 

我們銷售的保險產品涵蓋的範疇全面,您可以因應自己的需要選擇不同幅度的保障及保額。如果您購買的是保額高的計劃, 保險公司通常會要求您進行驗身;相反,保額低的計劃,投保人只需要於申請時作出申報便可。要注意的是不同保險公司的免驗身門檻亦不盡相同。

 

這項程序跟您透過保險經紀購買的情況相同。

Start with our Get Quotes process to see the top picks from each insurer on our panel. If you don’t see the benefits or sum assured amount that you want, email us at This email address is being protected from spambots. You need JavaScript enabled to view it.. We can customise any combination of benefits / coverage amount for you from the products offered by our insurance panel.

 

Our Top Picks
Our top picks have been selected by our advisers as products that give the best value for that combination of benefits. The key selling features are highlighted at the top of the comparison table.
[Show sample]

 

Don’t see the combination you want?
InsureDIY is a licensed broker with all the insurer on our panel. This means that we can give you advice and help you get the product combination that you want. Just contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.

 

您可以進入報價程序,逐一查看我們根據您輸入的條件篩選來自不同保險公司的計劃。如果您未能找到所需的保障或者保額,請直接電郵This email address is being protected from spambots. You need JavaScript enabled to view it.。我們能夠為您度身訂造有關保險公司提供的任何保障或者保額的計劃。

 

首選推薦

首選推薦產品是經過我們的專業團隊評估,綜合各方面擁有最多優勢,整體而言,最值得購買的產品。另外,每項產品的特點亦會顯示於比較表的上方,方便用戶客觀評估。

 

沒有找到您需要的組合?

InsureDIY是註冊經紀,與各大保險公司是緊密的合作伙伴。 我們能夠向用戶提供客觀的意見,幫助用戶找到所需要的產品組合。請直接電郵This email address is being protected from spambots. You need JavaScript enabled to view it.

We guarantee that our price is the lowest. If you find the same Term Insurance online at a lower price within 21 days of your purchase online, we will cancel the policy, refund you the premiums and give you HK$100 cash. That is our InsureDIY lowest price guarantee*, so why wait? Buy now!

 

For every Term Insurance bought, we will give you back up to 15% of your first year premium back in DIY Reward points. So every HK$ 100 of first year premiums paid for Term Insurance policies, you can earn up to 15 DIY points*. This is HK$ 15 worth of rewards! See our Rewards Catalogue here.

 

 

最低價格保證

我們保證InsureDIY平台上的產品價格最低。假設您找到同樣的網上定期壽險,而價格比我們便宜;在購買保險計劃的21天內,我們可以為您取消計劃,退還保費,並額外補償現金HK$100,這就是InsureDIY的最低價格保證*。還等?現在就行動!

15%積分獎賞

每購買一份定期壽險,我們都會回贈您首年保費的15%作為獎賞積分,所以每港幣100元的首年壽險保費就等如15分 *,亦即價值港幣15元的獎賞。立即查看獎賞目錄

We have put together a great range of rewards for you! Each DIY point is equivalent to HK$1. See our Rewards Catalogue here

 

我們為您準備的獎賞種類繁多!以1分獎賞積分相等於HK$1計算,立即看看獎賞目錄,要換甚麼就換甚麼。

Should you or your family have a claim on the policy, contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.. At InsureDIY, we work as a team, so there is no worry that your adviser has left the company. We will guide you through the claims process including the documentation and forms needed and will follow up on your behalf with the insurer on your claims.

 

 

 

如果您或者您的家人需要就InsureDIY平台上所購買的保險計劃提出索償,請直接以電郵聯絡我們:This email address is being protected from spambots. You need JavaScript enabled to view it.。InsureDIY是以團隊運作,毋需擔心您的保單因負責人離職而無人跟進。我們會全程協助您的索償,包括過程中所需的文件及索償表格,並代您向保險公司跟進您的索償。

 

Jun 01

There are 3 simple steps to the online application process:  

1>  Enter your details

2>  Compare

3>  Buy! 

 

After the online process, we will contact you to re-confirm your application and to arrange for you to sign the application form. The policy is issued only after the insurer has reviewed the application and confirmed acceptance of the policy. Medical examinations may be required, click here to learn more on medical examinations. As your broker, we will follow up with the insurer on your case and update you on the progress. 

 

簡單3個步驟完成網上申請:

1>  填妥簡單表格

2>  比較

3>  購買! 

 

網上程序結束後,我們會聯絡您以再次確認您的申請,並安排您於申請表上簽名為實。經保險公司覆核申請及接受投保後,我們會正式開發您的保單。保險公司有機會要求投保人進行驗身,點擊這裡了解更多驗身需知。作為您的經紀,我們會就您的個案向您投保的公司作出跟進,並匯報進度。

The products that we sell are full featured products, hence, you may be asked to go for a medical examination. For certain products, a declaration on the application may be all that is needed.

This is the same process that you would have to go through if you buy the policy through an insurance agent.

 

我們銷售的保險產品涵蓋的範疇全面,保險公司通常會要求您進行驗身;有的計劃,投保人只需要於申請時作出申報便可。

 

這項程序跟您透過保險經紀購買的情況相同。

Start with our Get Quotes process to see the top picks from each insurer on our panel. If you don’t see the benefits that you want, email us at This email address is being protected from spambots. You need JavaScript enabled to view it.. We can customise any combination of benefits / coverage amount for you from the products offered by our insurance panel.

 

Our Top Picks
Our top picks have been selected by our advisers as products that give the best value for that combination of benefits. The key selling features are highlighted at the top of the comparison table.
[Show sample]

 

Don’t see the combination you want?
InsureDIY is a licensed broker with all the insurer on our panel. This means that we can give you advice and help you get the product combination that you want. Just contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.

 

您可以進入報價程序,逐一查看我們根據您輸入的條件篩選來自不同保險公司的計劃。如果您未能找到所需的保障,請直接電郵This email address is being protected from spambots. You need JavaScript enabled to view it.。我們能夠為您度身訂造有關保險公司提供的任何保障或者保額的計劃。

 

首選推薦

首選推薦產品是經過我們的專業團隊評估,綜合各方面擁有最多優勢,整體而言,最值得購買的產品。另外,每項產品的特點亦會顯示於比較表的上方,方便用戶客觀評估。

 

沒有找到您需要的組合?

InsureDIY是註冊經紀,與各大保險公司是緊密的合作伙伴。 我們能夠向用戶提供客觀的意見,幫助用戶找到所需要的產品組合。請直接電郵This email address is being protected from spambots. You need JavaScript enabled to view it.

We guarantee that our price is the lowest. If you find the same Medical Insurance online at a lower price within 21 days of your purchase online, we will cancel the policy, refund you the premiums and give you HK$100 cash. That is our InsureDIY lowest price guarantee*, so why wait? Buy now!

 

For every Term Insurance bought, we will give you back up to 10% of your first year premium back in DIY Reward points. So every HK$ 100 of first year premiums paid for Term Insurance policies, you can earn up to 10 DIY points*. This is HK$ 10 worth of rewards! See our Rewards Catalogue here.

 

 

最低價格保證

我們保證InsureDIY平台上的產品價格最低。假設您找到同樣的網上醫療保險,而價格比我們便宜;在購買保險計劃的21天內,我們可以為您取消計劃,退還保費,並額外補償現金HK$100,這就是InsureDIY的最低價格保證*。還等?現在就行動!

15%積分獎賞

每購買一份定期壽險,我們都會回贈您首年保費的10%作為獎賞積分,所以每港幣100元的首年壽險保費就等如10分 *,亦即價值港幣15元的獎賞。立即查看獎賞目錄

We have put together a great range of rewards for you! Each DIY point is equivalent to HK$1. See our Rewards Catalogue here

 

我們為您準備的獎賞種類繁多!以1分獎賞積分相等於HK$1計算,立即看看獎賞目錄,要換甚麼就換甚麼。

Should you or your family have a claim on the policy, contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.. At InsureDIY, we work as a team, so there is no worry that your adviser has left the company. We will guide you through the claims process including the documentation and forms needed and will follow up on your behalf with the insurer on your claims.

 

 

 

如果您或者您的家人需要就InsureDIY平台上所購買的保險計劃提出索償,請直接以電郵聯絡我們:This email address is being protected from spambots. You need JavaScript enabled to view it.。InsureDIY是以團隊運作,毋需擔心您的保單因負責人離職而無人跟進。我們會全程協助您的索償,包括過程中所需的文件及索償表格,並代您向保險公司跟進您的索償。

 

May 24

medical-insurance-elderly 

 

We often get approached by clients who ask about what insurance policies their elderly parents should have. Usually, the clients have an idea that their parents should have some insurance coverage due to their advanced age, but are not too sure which product to buy.

 

The most basic product that you should consider is Medical Insurance. The product that you are looking for would cover hospital and surgical expenses, not simply pay out a fixed dollar per day when hospitalised.

 

The elderly are more prone to bone fractures from accidents such as falls and as everyone knows, are approaching the age where serious diseases may set in. To avoid large and unaffordable hospital bills, make sure that your parents are covered by a Medical Insurance that provides for the ward class that they would want to stay in and, of course, at a premium level that is affordable.

 

Here are 5 important points to look out for if you are thinking of getting Medical Insurance for your elderly parents:

Apr 02

travel insurance east       

 

Happy Easter to all our customers, family and friends!

 

Feb 11

 

travel-insurance-d

 

In the last 30 days alone, a total of 479,903 flights were delayed worldwide. This would amount to a jaw-dropping over 5 million flight delays a year!

 

Flight delays would dampen the spirits of any holiday-maker and worse, it may mean that you would have to incur additional expenses like another night’s accommodation. 

 

Thankfully, the right Travel Insurance would be able to help compensate you for the inconvenience.

 

How does the Travel Delay benefit work?

Feb 04

 

insurance-checklist 

 

We usually get asked about Life Insurance when our customers have their first child. This is the time when couples start to seriously think about their responsibilities as a parent and to each other.

 

Many young parents know that they need insurance, but are not sure of which type to buy, so we have listed the 4 key types of insurance products that you should have as a young parent and why.

Jan 23

 

travel-insurance-bags 

 

Everyone knows that Travel Insurance is a must have when going overseas. Travel Insurance will cover you for a variety of mishaps, illness and injury, but there are always exclusions to look out for.

 

Here are 5 Travel Insurance exclusions that you probably did not know about.

Jan 20

 

aia-um 

 

 

Term Insurance, or sometimes commonly known as Life Insurance, is a simple product that provides a lump sum benefit if the insured passes away. Many are familiar with Life Insurance, but most are not sure when they need to buy it.

 

 

So when should you buy your Life Insurance policy?

 

Many people mistakenly believe that they should buy Life Insurance when they are older.  They think that since they are younger, they are healthier and less likely to pass away.  But this is the exact opposite of what they should do!

 

Lower premiums when you are younger

 

When you are younger, the premiums will be cheaper and you are likely to get the standard rates. When you are older, your health deteriorates. So not only do you pay higher premiums due to your older age, you may have to pay an additional premium (also known as loading) due to your health, or in the worst case, be rejected by the insurer altogether.

 

For example, AIA's 20 year Life Insurance policy with a $1,000,000 coverage will cost a 30 year old HK$ 150 a month in premiums, whereas a 45 year old will have to pay HK$ 450 a month, 3 times that of the 30 year old's rate!

 

More vulnerable financially when you are younger

 

The most financially vulnerable time for your family, is when you are younger and do not have sufficient wealth for your loved ones should you pass away.                               

 

As you get older, you will also accumulate your wealth, pay off your mortgage and your children will become more independent. Over time, there is less need for Life Insurance to cover the shortfall in funds to support your loved ones. However, this is likely to be towards your retirement age if you have children. Therefore, the need for insurance should be lesser as you get older and more when you are younger. 

 

In conclusion, people should be buying insurance when they are younger, rather than when they are older.  

 

InsureDIY Limited Compare Products, Buy Online and Get Rewarded.       AIA-buy

 

CATEGORIES & TAGS

AIA

Jan 16

 

Travel-insurance-3 

 

It’s higher than you think …

 

Ever wonder what are your chances of losing your luggage when you are travelling on your holidays?  Or maybe you were asking yourself if it was really worth it to buy Travel Insurance to cover lost baggage?

 

Well, the statistics collated by the global airline industry technology specialist, SITA will surprise you.     

 

Look around you the next time you are at the airport departure gate.

 

If you are in Asia, chances are 1 person on the same flight as you will find his luggage “mishandled” on either one of his leg of his journey i.e. either on this flight or his return flight.  The term “mishandled” covers luggage delayed, lost, stolen, damaged or have contents taken from them.  

 

In Europe, the chances increase five-fold! In Europe, 5 persons on the same flight as you will find his luggage mishandled.    

 

The odds are a little better in North America, only 2 persons on the same flight as you may experience problems with the baggage on either one leg of his journey.

 

In short, on average in the world, two persons on every flight flown will have his baggage mishandled!

 

So what can travellers like us do? 

 

You can consider buying a Travel Insurance that will cover the loss of luggage.  If your baggage gets damage, stolen, or lost, your Travel Insurance will cover the cost of the content, subject to certain conditions listed in your policy.  This coverage will go a long way towards covering the costs of replacement of your personal belongings, especially if you add in the compensation you will receive from your airline.  But do remember to report the incident to the airline representatives as soon as you discover the problem and get a written acknowledgement to help you process your claim in the future.  

 

If your baggage is delayed, Insurers will pay you a cash benefit per x numbers of hour blocks (this may vary from policy to policy) or reimburse you for the purchase of certain necessities. 

So next time before you travel, do remember to buy a Travel Insurance policy.  

 

InsureDIY Limited Compare Products, Buy Online and Get Rewarded.       travel-insurance-buy

 

 

CATEGORIES & TAGS

TRAVEL INSURANCE

Jan 11

 

Life-insurance-heartsm 

 

Term Insurance, or sometimes commonly known as Life Insurance, is a simple product that provides a lump sum benefit if the insured passes away. As simple as the product may seem, there are a number of questions that you should think through before buying a Life Insurance policy.

 

Here are the top 5 questions that we get asked about Life Insurance:

 

1) Who am I buying my Life Insurance for?

 

There is always some confusion over who the Life Insurance policy is for. Unlike other products, the people who benefit from the Life Insurance policy that you buy will be your family and loved ones.

 

Buy Life Insurance when you wish to leave a lump sum amount to your loved ones or if you wish to pay off some debts should you pass away.

 

2) How much Life Insurance should I buy?

 

If you are buying Life Insurance to support your loved ones, then you would need to think about how much money they will need to maintain the same lifestyle. Also factor in how long you think your loved ones need to be supported.

 

Don’t forget big-ticket items such as your outstanding mortgage, your children’s education as well as any other debt that would need to be paid.

 

If the benefit from the Life Insurance policy is supposed to support your spouse or elderly parents, you may also want to factor in the cost of healthcare.

 

You can use our Life Insurance Calculator to carry out a simple analysis of how much Life Insurance you should buy.

 

3) Which insurer should I buy my policy from?

 

Life Insurance is a long-term product, you would want to buy your policy from an insurer that will be there to pay the claims for as long as your policy is active. This could be 15 or 20 years from the time that you buy the policy.

 

Check that the company is in a strong financial position e.g. having a high rating by a rating agency and certainly, make sure that you are buying a policy from an insurance company licensed by a regulator that you are comfortable with.

 

4) Do I need additional Life Insurance on top of my Group Insurance?

 

In most cases, it would be advisable to buy your own insurance coverage.

 

Group Insurance provided by your company is usually limited to a fairly low multiple of your salary. This is not enough to provide for your loved ones who are financially dependent on you.

 

If you leave your job, you could be left with no insurance coverage. Even worse, you may be older at that point and may not be able to buy insurance coverage even if you wanted to.

 

5) Are the premium rates guaranteed?

 

Some Life Insurance policies do guarantee a flat premium rate throughout the policy term, while other policies may offer lower premium rates initially, but will have future premium rates increasing by age that are not guaranteed at pre-determined amounts. Note that policies with premium rates that are not guaranteed in the future may still guarantee the renewal of your policy, subject to you paying the rate that is applicable for your age at that time.

 

When comparing Life Insurance products on our website, look out for “Premium Guarantee Period” in the comparison table. The information will explain how long the rate that you see is guaranteed for during the policy.

 

InsureDIY Limited Compare Products, Buy Online and Get Rewarded.       travel-insurance-buy

Jan 04

 

travel-insurance-smrtph 

 

Travelling with a smartphone can make life on the road so much easier! Here are our top six tips when travelling with your smartphone.


Buy a local pre-paid SIM card with a data plan


We will usually go for the cellular operator with the largest network coverage, even if it may be slightly more expensive. Nothing is more frustrating than having a data plan but with no network coverage, especially if you plan to go to a more remote part of the country. But if you plan to stay within the big cities, most local operators would generally have decent coverage.

 

We are big fans of the tether function on the smartphone. This allow us to turn our phone into a mobile hotspot so that we can connect our laptops or iPads to the internet. This is especially useful in places where the local wifi may be slower than the cellular 3G. However, some mobile data plans may not allow tethering, so do check the fine print.

 

Use Apps to talk for free

 

With the local data plan, you can use Apps like Viber or Skype to make international calls back home for free (provided your friends have the same Apps) or for a minimal fee. This will save you a bundle in international roaming call charges. In addition, we love using Apple FaceTime to talk to our families and friends back home and to show them some of the sights they are missing!

 

Cache your destination in Google Maps in advance

 

If you only have access to wifi and need to use Google maps, did you know that you can actually cache Google maps and use it with even without a data plan?

 

Before you set off and when you still have wifi, just open Google maps, key in your destination, zoom in to the zoom level required, drag the map around to whatever you want to see offline, and make sure the map tiles load. Once this is done, the map will already be loaded or cached on your phone, so you don't need a data plan to use Google maps as the location beacon will still work off-line!

 

Do note that the area cached is still quite limited, so you will need to re-cache after a few hours of sight-seeing, which brings us to the next tip.

 

Get free Wifi from Apple stores, coffee shops, airports, major shopping centres etc.

 

Nowadays, you can find free wifi in most public places in major cities. Just head to the nearest major coffee shop, fast food chain or major shopping centre. But nothing beats the good old local Apple store for its wifi signal strength and reliability.

 

Save your important documents in pdf on your phone

 

We hate rummaging through our backpack for documents (e.g. itineraries, hotel, airline or car rental reservations) so we convert all these documents into pdf and save it to our free Adobe Reader which we can access even without a data plan.

 

Travel insurance covers loss or damage to your phone

 

Lastly but most importantly, don't forget to buy your Travel Insurance before you leave!

 

Most Travel Insurance policies will cover the loss or damage to your phone. Do check the sub-limit that applies to your mobile phone as this is usually lower than the overall limit for the loss or damage to your baggage.

 

Bon voyage and enjoy the journey!

 

InsureDIY Limited Compare Products, Buy Online and Get Rewarded.       travel-insurance-buy

 

 

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TRAVEL INSURANCE

Jan 01

life-insurance-newyr       

 

Happy New Year to all our customers, family and friends. Have a great 2015!

 

Dec 29

Travel-insurance-1

 

Everyone knows the importance of having Travel Insurance, but what should you do to ensure that the claims process will be smooth in the event that you do have to make a claim?


Here are the 5 simple, but important tips to remember when travelling overseas.

 

1. Always keep a copy of your boarding pass or electronic ticket

 

Insurers usually need some proof that you have indeed travelled overseas on the dates that are covered by your insurance policy.

 

It is important that the name of the person who is making the claim appears on the boarding pass or electronic ticket and is the same name that is covered under the Travel Insurance policy. You would not be able to claim for medical expenses incurred by your child if your child is not insured under the Travel Insurance policy, for example.

 

The Travel Insurance policies that are sold on the InsureDIY website will cover you for trips that originate from Hong Kong. (multi-country trips are also covered as long as you first depart from Hong Kong)

 

2. Check-in your bags separately if a number of travellers in your group have Travel Insurance

 

If you are travelling in a group and each person is covered under their own Travel Insurance policy, do not check-in all your baggage under one person's name. Check-in counters at the airport tend to put all the baggages under one person's name for convenience.

 

However, for insurance purposes, try to check-in only one baggage under one traveller's name.

 

The benefit limits on each Travel Insurance policy applies to each policy. This means that if you spread out the baggage under different Travel Insurance policies, you effectively maximise the benefit limits available to your group.

 

For example, if you and your spouse each have a Travel Insurance plan with an overall limit on loss of baggage of HK$10,000 per policy and you have two baggages containing items over HK$10,000 in each baggage, you should check-in one baggage under your own name and the other one under your spouse's name.

 

3. Keep your shopping receipts with you

 

If you have a lot of shopping and would like to check-in all the items, be sure to keep the receipt with you and not in the check-in baggage! If the airline loses your baggage, you can then easily provide proof of purchase for your shopping.

 

4. Keep original medical bills with diagnosis clearly stated

 

Hospitals all over the world may have differing practices when it comes to hospital bills. If, unfortunately, you or an insured traveller in your group has to seek medical attention during your trip, do ensure that you keep the original hospital/medical bill with the diagnosis clearly described and certified by the attending physician.

 

5. Make a police report if you lose your cash

 

Yes, even though it would be a hassle, you do need to make a police report if you do lose your cash and would like to make an insurance claim. Do try to make a police report as soon as you find out that you have lost your cash. Most Travel Insurance policies require that you make a police report within 24 hours of losing the cash.

 

InsureDIY Limited Compare Products, Buy Online and Get Rewarded.       travel-insurance-buy

 

 

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TRAVEL INSURANCE

Dec 25

travel-insurance-xmas2014       

 

Merry Christmas all our customers, family and friends. Have a safe and happy holiday season.

 

Dec 20

 

The Carnival is coming to Town!

 

AIA-the-great-european-carnival-free-tickets-FINAL

 

Buy a Travel Insurance from InsureDIY and we will send you to Europe (well the next best thing anyway...)

 

In celebration of InsureDIY's second anniversary in Hong Kong and the re-launch of our exciting new website, we are giving away 1 free ticket to The AIA Great European Carnival 友邦歐陸嘉年華 (worth HK$ 125) for every Travel Insurance Policy purchase through our website! Just key in "TGEC" in the promo code box when buying the policy online. Limited to the first 300 customers only, subject to a minimum Travel Insurance premium of HK$ 300. *


InsureDIY.com is the premier insurance comparison website in Hong Kong. You can compare and buy the best insurance policies in Hong Kong (including Travel Insurance, Medical Insurance, Life Insurance and Critical Illness Insurance). We bring together the best global insurers in one place so you don't have to search multiple websites to find the right product. Enter the details just once, and let multiple insurers quote for your business. Just compare and buy online instantly. From start to the end, 5 minutes is all it takes. Try it and see for yourself!


The AIA Great European Carnival, title sponsored by AIA (one of our Insurance Partners) will be opening in Hong Kong at the New Central Harbourfront site from 23 December 2014 till 22 February 2015. These exciting, fun-filled days promise to be great festive-season entertainment for the whole family. There will be over 70 rides, games and attractions to be enjoyed and more than 500,000 toys will be given away! That's just perfect for the kids. And for the big kids as well, of course.

 

Buy your Travel Insurance policy now! Click here to Compare and Buy.     travel-insurance-buy 


* Terms and conditions apply

 

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AIA

Dec 19

 

The AIA Great European Carnival (友邦歐陸嘉年華) is back! Check out this video of how The AIA Great European Carnival makes its way from Europe all the way to Hong Kong.

 

 

 

AIA, one of InsureDIY’s insurance partners , is the title sponsor for the Great European Carnival. Costing over $130 million so far, The AIA Great European Carnival promises to be one of the biggest events in Hong Kong.

 

The AIA Great European Carnival will take place on Hong Kong’s New Central Harbourfront. This is three hectares of pure fun and adrenaline! What’s more, The AIA Great European Carnival will be back in Hong Kong every year over the next few years.

 

We can all enjoy great European carnival traditions along with thrilling new rides. There will be over 70 rides, games and attractions for guests to enjoy. Many rides will be new to Hong Kong, and indeed, Asia. These rides have been carefully selected from all across Europe.

 

For mommies and daddies bringing young children, fret not, there will be child-friendly rides like bumper cars and a carousel and of course, a whole host of European street entertainers. More than 500,000 toys will be given away during this carnival.

 

The carnival is expected to open on 23 December 2014 until February 2015.

 

Keen to get free tickets?

 

To celebrate our second anniversary in Hong Kong and to thank our loyal customers, we will be rewarding our customers in Hong Kong.

 

Stay tuned and watch this space! 

 

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AIA

Dec 17

We are TWO!

 

To celebrate our second anniversary in Hong Kong, our dearest customers are getting the presents. Watch this space!

 

Hint:

 

 

 

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AIA

Nov 25
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Going on holiday soon?


Whether it's your flight, your luggage, or your health, the right kind of Travel Insurance has become an essential item to pack for smart travellers. Travel insurance is a must for every one of your family members.

 

Find out all you need to know about choosing the right Travel Insurance policy for you and your family right here at InsureDIY.