InsurVault Column
Master insurance knowledge to build the strongest safety net for your family.
【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.
【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.
【CI Standardization Guide】Major Claim Shake-up in Sept! Will Pre-cancerous Lesions Be Covered?
The HKFI is implementing Critical Illness Definition Standardization starting September 1! How will cancer definitions change? Are carcinoma in situ and pre-cancerous lesions covered? This guide unpacks the differences, twisting traps, and how to use InsurVault for policy management.
【Medical Insurance】Suddenly Think the Whole Street Has a Crush on You? Will Hong Kong Mental Health Insurance Pay? Unpacking Bipolar Claim Blind Spots
Spring triggering manic symptoms? We unpack the truth behind mental health medical insurance claims in Hong Kong! Learn about VHIS psychiatric coverage, inpatient limits, and whether psychologist fees are covered. Understand "medical necessity" minefields and use the InsurVault app to clarify exclusions.
【Orphan Policy】Arcade Game Meltdowns vs. Swearing Agents: Uncovering the Orphan Policy Claim Blackhole & Complaint Guide
Fear your agent resigning and leaving you with an orphan policy? A recent viral case exposes an agent delaying claims and swearing at a client. We unpack the truth behind the "upline/downline" system, provide an official Insurance Authority complaint guide, and show you how to regain control with the InsurVault app.
【VHIS】Li Ka Shing Foundation Backs Non-Invasive Pancreatic Cancer Tech! Clinical Trials Succeed, But Will Insurance Pay?
HKUMed and Gleneagles successfully treated pancreatic cancer using Histotripsy, supported by the Li Ka Shing Foundation. Will medical insurance cover this new therapy? We unpack the differences between liver and pancreatic cancer claims, "experimental treatment" exclusions, and why Critical Illness insurance is your true financial lifeline.
【Travel Insurance】Will Travel Insurance Cover Flight Cancellations? Analyzing "Operational Reasons" and Rejection Risks
Many airlines are canceling flights due to rising fuel costs. Will travel insurance cover your non-refundable hotel? We unpack the truth about "Operational Reasons," common rejections, and how to use Chargeback to protect yourself.
【Experimental Treatment】HKTVmall's Ricky Wong Researches Organ Survival! Does Medical Insurance Cover Experimental Treatments? Unpacking General Exclusions
Ricky Wong, founder of HKTVmall's parent company, revealed that experiments on the survival of ex vivo animal organs are underway. If such science fiction-like medical treatments become a reality, will medical insurance cover these new therapies? This article dissects what Hong Kong medical insurance excludes.
【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.