InsurVault Column
Master insurance knowledge to build the strongest safety net for your family.
【Buffett's Will Revealed】Minimalist Financial Philosophy: Too Many Policies? Integrate Them with an Asset Dashboard
Warren Buffett's will reveals a minimalist financial philosophy: 90% in the S&P 500, 10% in cash. What is the inspiration for Hong Kong families? When there are too many policies and families don't know about the insurance, how can you avoid claim failures?
【VHIS Tax Deduction】Buying VHIS for Parents: Who Should Claim the Deduction? Analyzing Family Policy Allocation and Tax Maximization Strategies
Can you claim tax deductions for buying Voluntary Health Insurance Scheme (VHIS) for parents or family members? For married couples, who should make the claim? This article objectively analyzes the multiplier effect of the $8,000 tax deduction and Hong Kong's progressive tax rates.
【Tax Declaration】Forgot Your VHIS Policy Number for eTAX? 3 Ways to Solve Lost Proof and the 7-Year Audit Crisis
Forgot your Voluntary Health Insurance Scheme (VHIS) policy number when filing eTAX? Lost your tax deduction proof? This article breaks down the practical tax filing process and reveals the hidden landmine of the IRD's 7-year audit period.
【Partner Protection】Leslie Cheung & Daffy Tong: No Estate Rights for Unmarried Partners? Bypass Distribution via Life Insurance Beneficiaries
Do unmarried partners have inheritance rights in Hong Kong? Learn how Leslie Cheung used life insurance beneficiary privileges to provide for his lifelong partner, Daffy Tong. We break down the estate blind spots for non-relative partners, the Cap. 481 risks, and how to use the InsurVault app to prevent lost policies and ensure your loved one is protected.
【Company Medical Insurance】Meta Gives 18 Months of Health Coverage After Layoffs! What If Your HK Company Insurance Ends Instantly?
Resigning or laid off, and your company medical insurance stops immediately? Meta gave 18 months of COBRA coverage after layoffs, but Hong Kong employees often face a "medical gap period" when changing jobs. This article breaks down the 3 major pitfalls of unclear company insurance and teaches you how to use the Conversion Privilege.
【Wealthy Mindset】Charlie Munger's "Invert" Financial Strategy: Ask Yourself, "What Will Completely Destroy My Family's Financial Security?"
What happens if you lose your insurance policies? Does your family know your insurance exists? In Hong Kong, having insurance doesn't equal having protection! Charlie Munger advocated for "inverting" your thinking and using error-proof checklists. Learn about the strict "time limit for claims" trap.
【Latest DBS Report】GBA Parents Reserve $5M for the Next Gen. When to Start Kids' Financial Education?
When should kids start learning about finance? A DBS survey shows Hong Kong and Greater Bay Area parents reserve an average of HKD 5 million in liquid assets for their children! Learn how to avoid the "three-generation wealth curse", solve the pain point of lost policies with InsurVault, and cultivate a wealthy mindset.
【Minor Beneficiary】How Paul Walker Locked in a $25M Legacy for His Minor Daughter! The Key is "Insurance Trust"
Paul Walker left a $25 million legacy after his sudden passing, yet successfully prevented his ex-girlfriend from accessing the assets. The key lies in the "Living Trust + Insurance Trust" structure. This article breaks down the risks of minor beneficiaries, blind spots in policy design, and how to use trust and insurance planning.
【Travel Safety】A Taiwanese man narrowly escaped organ harvesting after suddenly disappearing during his trip. How can he ensure his family receives a distress signal in time?
Traveling alone or going off the grid abroad? According to media reports, in mid-April, a Taiwanese man went missing in Thailand and narrowly escaped a transnational human trafficking syndicate. Learn how to break the blind spots of "checking in" and use InsurVault's Safety Watcher to automatically send WhatsApp emergency alerts.