Products
Our business has over 30 years of operation history and extensive industry experience, offering difference of insurance product in the market and has established long-term cooperation with insurance companies. We are dedicated to providing tailor-made insurance services solutions to meet our clients’ various needs and requirements. The main categories of our insurance products include:
Business Insurance
We can be tailored to match your specific needs and budget to fit your business
Travel Insurance
Available for single trips or an annual plan, and make sure your journey safe and happy
Motor Insurance
Fully covered by comprehensive car insurance for loss or damage resulting from a traffic accident.
Life Insurance
In wake of the 9-11 terrorist bombing attack in the US cities, thousands of innocent civilians lost their life and many families suddenly lost their bread earners. This tragic incident triggered many people to realize the urge of a comprehensive protection against accidents and risks during their lifetime. In order to ensure the livelihood of us and our family, we need to have sufficient personal protection. Personal insurance becomes an indispensable vehicle for protection.
There are many different types of individual life insurance, mainly divided into the following categories:
Whole life Insurance
This insurance can provide you life-long protection with the premium level guaranteed for a lifetime. Rider benefits can be also included in the insurance; for example, protection against accidental death, hospitalization expenses and protection against acute illnesses.
This kind of insurance usually includes savings with dividend returns depending on policy structure and earnings of insurance companies. The premium level of Whole Life Insurance is generally higher than that of Term Insurance to provide the guaranteed life-long protection.
Term Insurance
This insurance provides coverage for a specified period or term only. In general, the term insurance is renewable up to a specified age or even every year. The choices of rider benefits are fewer than Whole Life Insurance, yet the premium is relatively low. In terms of financial planning, Term Insurance is the most cost-effective life insurance because it contains no savings portion in the premium.
Investment Linked Life Insurance
This insurance can be further divided into two kinds:
1. Need to specify the sum insured & pay the cost of insurance The client has to choose the sum insured at the beginning. The insurance company will deduct the premium payment, cost of insurance, administration fees before investing. The benefit term depends on the plan value. Generally, it is valid for a lifetime if the client can afford the insurance cost.
2. Do not need to pay the cost of insurance This plan is wrapped as an insurance policy. For more details, please click here.
Universal Life Insurance
This is similar to the Investment Linked Life Insurance, i.e. life insurance plus investment. The main difference is that clients of Universal Life Insurance cannot manage their portfolios while those of Investment Linked Life Insurance can. The investment portion of Universal Life Insurance is managed by insurance companies which guarantee a minimum return for their clients. The clients can change the premium, the sum insured and even terminate the premium payment any time.
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For more information of life insurance, please contact us.
There are many different types of individual life insurance, mainly divided into the following categories:
Whole life Insurance
This insurance can provide you life-long protection with the premium level guaranteed for a lifetime. Rider benefits can be also included in the insurance; for example, protection against accidental death, hospitalization expenses and protection against acute illnesses.
This kind of insurance usually includes savings with dividend returns depending on policy structure and earnings of insurance companies. The premium level of Whole Life Insurance is generally higher than that of Term Insurance to provide the guaranteed life-long protection.
Term Insurance
This insurance provides coverage for a specified period or term only. In general, the term insurance is renewable up to a specified age or even every year. The choices of rider benefits are fewer than Whole Life Insurance, yet the premium is relatively low. In terms of financial planning, Term Insurance is the most cost-effective life insurance because it contains no savings portion in the premium.
Investment Linked Life Insurance
This insurance can be further divided into two kinds:
1. Need to specify the sum insured & pay the cost of insurance The client has to choose the sum insured at the beginning. The insurance company will deduct the premium payment, cost of insurance, administration fees before investing. The benefit term depends on the plan value. Generally, it is valid for a lifetime if the client can afford the insurance cost.
2. Do not need to pay the cost of insurance This plan is wrapped as an insurance policy. For more details, please click here.
Universal Life Insurance
This is similar to the Investment Linked Life Insurance, i.e. life insurance plus investment. The main difference is that clients of Universal Life Insurance cannot manage their portfolios while those of Investment Linked Life Insurance can. The investment portion of Universal Life Insurance is managed by insurance companies which guarantee a minimum return for their clients. The clients can change the premium, the sum insured and even terminate the premium payment any time.
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For more information of life insurance, please contact us.
Travel Insurance
When you are planning an enjoy vacation. Do you think about accident will maybe happen unexpectedly. When credential losing or the baggage delay or a more serious accident, you will feel impatience and disquiet. We know what you need and provide the “Travel Insurance” to you. It will cover the all-around for you and family or friend.
To cater for the many needs of the traveler, 'Travel' insurance policies are usually very versatile, providing cover in one package for:
• Death
• Disablement
• Medical expenses
• Personal liability
• Baggage lost, damaged, or delayed
• Loss of personal money
• Travel cancellation due to accident or sickness
• Unused travel arrangements due to accident or sickness
• Delay due to strikes or hijacks
To cater for the many needs of the traveler, 'Travel' insurance policies are usually very versatile, providing cover in one package for:
• Death
• Disablement
• Medical expenses
• Personal liability
• Baggage lost, damaged, or delayed
• Loss of personal money
• Travel cancellation due to accident or sickness
• Unused travel arrangements due to accident or sickness
• Delay due to strikes or hijacks
MPF
Background of MPF
The Mandatory Provident Fund (MPF) scheme has been launched in Hong Kong since December 2000. Under the MPF Schemes Ordinance, all employees in Hong Kong are required to enroll into a MPF scheme unless the employees have already joined the MPF-exempted ORSO scheme. Buying luxury replica watches ca with both low price and high quality at our online store. Wish you find your perfect fake breitling watches online. Cheap and quality, noob factory Swiss Replica Watches ca with best movements are suited for men and women.
Only about one-third of Hong Kong workforce enrolled in retirement program before the implementation of MPF scheme. Due to the low birth rate and rapidly aging population in the recent years, future working population and government have a sustaining burden when financially supporting the huge retirement population. To solve this problem, the government has launched the MPF scheme to allow the working population to plan for their own retirement life financially.
How to choose funds under MPF scheme?
Many people neglect the fund selection under MPF scheme; however, the success of a MPF scheme greatly depends on the performance and risk management of the selected funds. Under the compounding effect, there will be a very big difference in returns for different performance of funds. Please refer to the following example of illustrating the difference in the accumulated amounts under different MPF schemes.
Monthly contribution HK$2,000
The Mandatory Provident Fund (MPF) scheme has been launched in Hong Kong since December 2000. Under the MPF Schemes Ordinance, all employees in Hong Kong are required to enroll into a MPF scheme unless the employees have already joined the MPF-exempted ORSO scheme. Buying luxury replica watches ca with both low price and high quality at our online store. Wish you find your perfect fake breitling watches online. Cheap and quality, noob factory Swiss Replica Watches ca with best movements are suited for men and women.
Only about one-third of Hong Kong workforce enrolled in retirement program before the implementation of MPF scheme. Due to the low birth rate and rapidly aging population in the recent years, future working population and government have a sustaining burden when financially supporting the huge retirement population. To solve this problem, the government has launched the MPF scheme to allow the working population to plan for their own retirement life financially.
How to choose funds under MPF scheme?
Many people neglect the fund selection under MPF scheme; however, the success of a MPF scheme greatly depends on the performance and risk management of the selected funds. Under the compounding effect, there will be a very big difference in returns for different performance of funds. Please refer to the following example of illustrating the difference in the accumulated amounts under different MPF schemes.
Monthly contribution HK$2,000
UIC has started MPF business since 2000. We are one of the few companies which are experienced in financial planning and investments. We believe that we can optimize your MPF plans with our expertise and experience.
For more information about MPF, please contact us.
Our Business Partners
You can also visit MPFA website for further information.
For more information about MPF, please contact us.
Our Business Partners
You can also visit MPFA website for further information.
Medical Insurance
Two main scopes of medical insurance
1. In-patient plan
It mainly provides cover to policyholders for hospitalisation expenses like room and board, meal expenses, surgery fee, etc.
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There will be a maximum indemnity limit for each item in medical insurance generally. Besides, many medical insurance products will also provide hospital cash benefit from which a policyholder will receive a daily fixed amount of cash according to the terms of the policy for the number of days confined in a hospital.
2. Out-patient plan
Generally covers consultation fees of registered doctors and/or specialists.
Same as in-patient plan, there is also a maximum indemnity limit for different medical items under the out-patient plan; and there may even be a maximum indemnity limit for each policy year.
1. In-patient plan
It mainly provides cover to policyholders for hospitalisation expenses like room and board, meal expenses, surgery fee, etc.
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There will be a maximum indemnity limit for each item in medical insurance generally. Besides, many medical insurance products will also provide hospital cash benefit from which a policyholder will receive a daily fixed amount of cash according to the terms of the policy for the number of days confined in a hospital.
2. Out-patient plan
Generally covers consultation fees of registered doctors and/or specialists.
Same as in-patient plan, there is also a maximum indemnity limit for different medical items under the out-patient plan; and there may even be a maximum indemnity limit for each policy year.
Business Insurance
Business Insurance include Employees Compensation, Marine Cargo, Liability, Group Medical, Office or Shop Package.
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Motor Insurance
Thefts and traffic accidents are a great concern to car owners since they can cause bodily injury or death, and can also incur huge expenses. Under the Motor Vehicles Insurance (Third Party Risks) Ordinance, Chapter 272 of the Laws of Hong Kong, the user of a motor vehicle on the road must insure his liability for death or bodily injury of third parties with an authorized insurer.
Classification of the Motor Insurance
(A) Third Party Liability Insurance
(B) Comprehensive Insurance
a. Third Party Only - covers only the minimum legal requirements for third party death and bodily injury.
b. Third Party, Fire and Theft - covers loss or damage to the policyholder's car caused by fire or theft, in addition to the Third Party Only category.
c. Comprehensive - covers any accidental loss or damage to the policyholder's car, in addition to the Third Party Only category.
Classification of the Motor Insurance
(A) Third Party Liability Insurance
(B) Comprehensive Insurance
a. Third Party Only - covers only the minimum legal requirements for third party death and bodily injury.
b. Third Party, Fire and Theft - covers loss or damage to the policyholder's car caused by fire or theft, in addition to the Third Party Only category.
c. Comprehensive - covers any accidental loss or damage to the policyholder's car, in addition to the Third Party Only category.
Home Insurance
Household insurance can protect the owner or tenant’s loss or damage to interior decorations, home contents such as clothing, furniture, electrical appliances, personal valuables, etc due to fire, flooding, burglary, typhoon, bursting of water pipes, explosion and other accidents. Besides, additional benefits such as replacement of locks, accidental damage to home contents whilst in temporary storage, loss of domestic helper’s property. Many insurance companies provide worldwide personal effects cover.
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Household insurance does not just provide cover for home contents, it also protect you and your family’s legal liability to third party bodily injury or property damage causing by accident happening at your home or accident arising from your negligent act.
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Household insurance does not just provide cover for home contents, it also protect you and your family’s legal liability to third party bodily injury or property damage causing by accident happening at your home or accident arising from your negligent act.
Other
Cargo insurance, engineering all risks, machinery all risks, product liability, property all risks, etc...
Universal Insurance Consulting Brokers Limited is an insurance broker company licensed by the Insurance Authority of Hong Kong (license number: FB1362) and a registered MPF intermediary with the Mandatory Provident Fund Schemes Authority (MPF registration number: IC000101).
Universal Wealth Management Limited is an insurance broker company licensed by the Hong Kong Insurance Authority (license number: FB1508) and a registered MPF intermediary with the Mandatory Provident Fund Schemes Authority (MPF registration number: IC000824).
Universal Insurance Consulting Brokers Limited is an insurance broker company licensed by the Insurance Authority of Hong Kong (license number: FB1362) and a registered MPF intermediary with the Mandatory Provident Fund Schemes Authority (MPF registration number: IC000101).
Universal Wealth Management Limited is an insurance broker company licensed by the Hong Kong Insurance Authority (license number: FB1508) and a registered MPF intermediary with the Mandatory Provident Fund Schemes Authority (MPF registration number: IC000824).
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