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Should you cancel or keep your critical illness policy when you immigrate?

<p>When you immigrate, you may be wondering whether or not you should keep your critical illness insurance policy. When you are away from home, you could experience feelings of insecurity more frequently. Changes in one's mental and physical state are typically brought on by travel, in conjunction with other, external environmental influences. So, having insurance coverage while you are traveling overseas might provide you with a sense of security and peace of mind. When you immigrate, what will happen to your health insurance and other plans? Should you cancel your insurance policy before making the move to a new country? If you relocate overseas, will the critical illness insurance policy that you already have continue to be valid for you? The following article will provide answers to these questions.</p><h2>Is coverage under your critical illness insurance plan provided if you travel outside the country?</h2><p>In most cases, critical illness insurance can be purchased anywhere in the world. You do not need to be concerned about being unable to file an insurance claim when traveling outside of the country if you have been diagnosed with a pre-existing condition that is covered by your policy. This applies regardless of where you purchased your policy. If your diagnosis is one that is covered by the policy and you adhere to the terms of the insurance, you will still be able to collect benefits from your critical illness insurance even if you move to another country or travel to another country.</p>

<p>If you are diagnosed with a critical illness while traveling outside of your home country by a local registered doctor, you have the right to submit an insurance claim within the claim period specified by the insurance company after receiving medical treatment or being discharged from the facility where you received treatment. You shall be responsible for submitting the appropriate proof documents in accordance with the requirements outlined in the actual policy terms. However, you should be aware that once the claims process has been finished, the insurance company may only deposit the pay out into the bank account of the nation in which you purchased the policy. This is something that you should keep in mind. It is possible that they will not be able to deposit the payoff into the policy beneficiary's account if it is located outside the country. Consequently, it is essential to verify with the original insurance company first in order to determine whether or not it is necessary to have a bank account from the original nation in order to get the compensation. In addition to this, it is essential to take into consideration whether the beneficiary has been named in the policy. If the beneficiary information has not been provided, the payout from the life insurance policy may, in the tragic event that you pass away, be included as part of the administration of your estate in some countries. Because of this, it is possible that the payout will be liable to inheritance tax, which is levied by the regional government.</p><h2>Before you immigrate, what steps should you take about your critical illness insurance?</h2><p>One of the things that goes into calculating the cost of critical illness insurance is the policyholder's expected length of life. Because of this, the premium for critical illness insurance acquired in nations with a high average life expectancy is typically more affordable, and the coverage is typically transferable to any location in the globe with no restrictions. If you have already purchased your critical illness insurance prior to immigration, you do not need to worry too much about the premium or if the critical illness medical coverage level will be changed. Both of these factors will not be relevant to you.</p><p>As it is quite possible that the insured person's place of residence would change because of immigration, the insurance company may request a re-evaluation of the insured person's status. If the risks faced by the insured person grow because of this, the premium for critical illness insurance may be subject to an increase. Yet, keeping your initial critical illness coverage before you immigrate can allow you to avoid the challenges of re-purchasing insurance after the move. When obtaining a new policy, for instance, the waiting period may be different from one to another depending not only on the illnesses that are covered but also on the insured person's present state of health. If you are diagnosed with a sickness or have symptoms appearing before your new policy goes into effect, it may result in increased rates, have an influence on the coverage provided by your critical illness insurance, or even put you at danger of having coverage denied. Purchasing insurance in your home country before immigrating can help fill the medical gap and save you the hassle of comparing and selecting insurance plans in a foreign country. Purchasing insurance in your home country before immigrating can also save you money.</p>

<p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

【移民保險 2023】手上的危疾保單應該退或留 | To keep or not. Should you sell your CI policy?

To keep or not. Should you sell your CI policy? | FWD HK