Help Centre & insurance FAQs

There are different ways depending on the product required. For personal lines of insurance, such as Travel, Domestic Helper & Home Contents listed under “My Home” and “My Family” we have made this as simple as the click of a button. Using the “Buy Now” tool gives you a premium discount of 15% off the standard premiums. Bringing the cost down sets us apart from the market and is something you will not necessarily receive if you go elsewhere or go direct to the insurers.

For other products such as Health and Life, as well as more specialised business lines, it’s not possible as each application needs to be underwritten by the insurer. We also need to ensure that the coverage and policy conditions align with your needs. To get you started and to give you an indication of how much cover will cost we have provided pricing examples under both Health and Life product pages. That is why we ask you for some details and may even request to speak with you before we can give you a quote.

The HK team has over 80 years of experience in broking and administration support and our head of insurance holds a chartered designation with the Chartered Insurance Institute (UK (United Kingdom)). In addition, we are continually striving to support our clients by adapting to the needs of the community with our innovative comparison and purchase tool. We understand you are busy and may not have time to meet in person and are happy to keep human contact down to your preferred level and frequency.

We offer to “price match” and better any quotes that you have received from any insurer on our panel. This ensures you get the best price and the best service possible. Across the other brands within the group, we can also offer further added value services, such as Real Estate & Estate Planning.

Using our online “Buy Now” tool for Travel, Domestic Helper & Home Contents Insurance will allow you to get insured in a matter of minutes, whether you are on the move via your phone or in front of your computer. For more specialised insurance covers, we typically work to a 24-hour timeline. For tailored Group Medical this will take a little longer as we must conduct a comprehensive study of your employees’ needs as well as understand the employer’s employee benefits strategy. If there is an existing group policy in place, depending on the group’s size, there are other underwriting considerations such as the claims history, which must be factored in.

Once we have the required information and data, you will receive tailored advice and start to build a relationship with us as your trusted adviser and broker, so you can be confident that what is being recommended really is appropriate for your needs. We have an extensive panel of insurers to choose from, and so based on our experience and your needs you can be rest assured that the information we will provide and the solutions we recommend will be in your best interest and allow you to make informed decisions. For Health insurance, given the turbulent nature of the market in Hong Kong over the last 10 years, it’s even more vital that you receive independent advice and put in place a sustainable solution. When you go directly to the insurer and their agents, this will not happen as they serve the interests of the insurer they work for.

Engaging Lifestyle as your broker also means that you have someone in your corner going through the application process with you every step of the way. Someone who has a duty of care to ensure everything in the application process is handled correctly and administered promptly. Something you may deem as harmless or irrelevant could be tremendously important in the eyes of the insurer. If you do not disclose it on your application, you put yourself at risk when it comes to claiming as the insurer may decline due to non-disclosure.

Pricing aside, there are some other fantastic benefits that you may not even be aware of when you choose Lifestyle as your broker. The relationship does not end once you have purchased the cover. At Lifestyle Insurance we like to contact our clients on a regular basis, helping to ensure the cover is still suitable over time. We pride ourselves on our high renewal rate, and referrals that our clients give us in recognition of our work and the trust they have in us.

We are always on hand to answer any questions throughout the policy year. This support cannot be underestimated, especially in a fast-moving market like HK.

Our support and assistance extend beyond policy servicing to claims support. Increasingly, claims support from the insurers is being pushed online, so having us with you to walk you through the process and provide support for you or your loved ones will help you in your time of need. This is based on years of experience across different scenarios, knowledge, and empathy for our clients.

There are numerous factors that we take into consideration before recommending a specific insurer to you, one we place particular importance on is their claims procedures and turnaround times. It is useful to point out that the most expensive policies don’t necessarily come with the best claims experiences and that the cheapest don’t always come with the worst claims experiences. We hold insurers accountable for ensuring that our clients receive settlement of claims in a quick and efficient manner and do whatever we can to assist with a stress-free process that ends with a happy client.