InsurVault Column
Master insurance knowledge to build the strongest safety net for your family.
【Asset Isolation】"Shop King" Heir Bankrupt! Can Insurance Really Isolate Assets?
"Shop King" heir Tang Yiu-sing faces a bankruptcy petition. Will your insurance policies be confiscated if you go bankrupt? Unpack HK bankruptcy laws and learn how statutory trusts can legally isolate and protect your family assets from creditors.
Changing Jobs? How to Seamlessly Bridge Group Medical and VHIS
Planning a career move? Learn how to seamlessly bridge your company medical insurance with VHIS to avoid the dangerous medical insurance gap. This guide breaks down the 30-day waiting period, convertible options, and VHIS tax deductions, while showing you how to manage your transition with the InsurVault app.
【Travel Insurance】Exclusions Explained: 3 Clauses That Lead to Rejected Claims
Buying travel insurance? Beware of what isn't covered! We unpack the top 3 reasons for rejected claims: pre-existing conditions, high-risk activities, and alcohol influence. Plus, an anti-rejection guide and the "known event" trap to help you secure a successful claim.
【News Analysis】What Happens Without a Will? Unpacking HK Intestacy, Asset Freezes & Forced Sales via Eddie Kwan's Case
Eddie Kwan's mansion tendered almost 3 years after his passing highlights HK estate risks. What happens without a will? Are assets frozen or forced to sell? We unpack intestacy laws, executors, caveats, and how to avoid legal limbo.
【Insurance Complaint】Accident Claim Rejected? Man Dies After Slipping—Unpacking Autopsy & ICB Appeals
Will accident insurance pay out if someone dies after a slip and fall? Why did an insurer reject a HK$820,000 claim citing "not a pure accident?". Using a real Hong Kong case, we unpack the Principle of Proximate Cause, the Coroner's autopsy powers, and the ICB free appeal process.
【Updating Beneficiary】Park Shin-hye Announces 2nd Pregnancy! Why Naming Your Kids as Beneficiaries Could Freeze Your Life Insurance Payout
36-year-old Korean actress Park Shin-hye announces her second pregnancy, sparking discussions on family financial planning. Thinking of leaving your life insurance to your kids? Naming minors directly is a legal trap in Hong Kong. Uncover the 5 major claim misconceptions and learn how to properly set up a trustee to protect your children's future.
【Insurance Claim】Lost or Destroyed Physical Insurance Policy: Is It Still Valid? Claims and Replacement Process Explained
If an insurance policy is burned, lost, or cannot be found, will the insurance lapse? Is the original policy required for a claim? This article breaks down the common law validity of Hong Kong insurance contracts, disputes over assignment deeds, the process of reissuing a policy, and the requirements for a lost policy declaration.
【Travel Insurance】Nepal Everest $20M Scam! Why Victims Might Have to Pay Helicopter Bills Themselves
A helicopter rescue scam in Nepal's Everest region has been exposed, where guides allegedly spiked tourists' food to force evacuations. Citing AFP and The Kathmandu Post, this article explains why victims are highly likely to have their insurance claims denied, unpacking the hidden traps of medical necessity, pre-authorization, and altitude limits.
【Simplification】Too Many Policies to Manage? Guide to Policy Consolidation and Building an Asset Dashboard
Bought several policies but don't know your total coverage and policy value? This article teaches you how to do policy consolidation, calculate total medical and life claims and surrender values, and build a clear asset dashboard using an insurance wallet.