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A family needs about six months of emergency cash reserve to prepare for any unexpected expenses or medical expenses. Family wish list items such as overseas trip or birthday banquet for the grandparents should be paid for with a separate budget. Plan for your family finances so that you can achieve your goals.
The total education costs from primary school to university, including school fees, textbooks, transportation and accommodation, can reach HK$1 million. The cost can go up to 300 thousands for overseas studies. In UK, for example, inflation rate for school fees averages 4.5% in the past 10 years.
According to the Hong Kong Family Wellbeing Index, the wellbeing of a family will take a dive if it has undergone any major event in the past year. As the breadwinner of the family, it is important for you to think of an ongoing mechanism that can sustain your family in the unfortunate event of your death.
The above product summary is for reference only. For more details on the product, please refer to the policy terms and benefits.
If you are interested in this product, please contact your insurance consultant.
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