About our dedication

We specialise in a variety of insurances and provide risk management solutions to help protect our clients value most. We act in the interest of our clients in selecting suitable products for protection and risk hedging purposes - especially those with medical and family planning concern. Principled customer focus is the core value of LCF and our expert staff guarantee you get an insurance policy which best benefits you.

Professional Team

People drive everything we do. Our specialized expertise and capabilities across business lines position us to deliver value to our clients with a local touch supported by proactive service and long-term relationships.

Ethics & Compliance Mission

We strive to do the right things the right way for our clients. We promote ethical behaviour by providing employees access to best practices and resources that align with our respect for those who place their trust in us, while encouraging open and constructive dialogue throughout our community. Most of all, we work to continuously demonstrate our belief that in everything we do, ethics matter most.

Explore Our Services

We offer a range of insurance solutions, including health, life, term life, business, general, group life, and key man insurance, tailored to your specific requirements.

Health Insurance

LCF has extensive experience in providing high quality individual health insurance options to residents of Hong Kong.

 

With an array of options available for your Hong Kong medical insurance coverage, LCF can offer you a range of choices which include both domestic and international policies. In many cases it may even be possible to customize your policy to meet your specific requirements, giving you the assurance that your Health Insurance policy in Hong Kong will provide you with exactly the levels of coverage you need.

 

As public healthcare services in HKSAR become ever more constricted through an ageing population and heightened levels of Mainland immigration, it is important to ensure that you are able to access the quality medical care you deserve when you need it. A Hong Kong health insurance plan from LCF is the perfect way to do this, both in Hong Kong and around the world.

 

Health Insurance

LCF offers health insurance plans in Hong Kong which are generally Guaranteed Renewable for Life, will often provide Global Portability and Worldwide Cover, and will normally afford you Freedom to Choose Where you Receive medical treatment.

 

Our individual Hong Kong health insurance plans will ensure that you have the highest levels of medical protection no matter where you go in the world, and these policies can usually be customized to meet your specific needs.

 

These are just a selection of some of the most popular coverage benefits available under an Individual Hong Kong Health Insurance plan from LCF which include Inpatient Health Insurance, Outpatient Health Insurance, Dental Insurance, Emergency Evacuation Insurance, Maternity and Pregnancy Insurance, Newborn Child Insurance etc.

Life Insurance

Whole of Life Insurance

Whole of Life Insurance, also known as Permanent Life Insurance, Cash Value Insurance, or Whole of Life Assurance, is a type of Hong Kong Life Insurance plan which remains in force for the insured's entire life.

 

Generally, a good option if you expect to have the same need for life insurance over a period of time, Whole of Life Insurance will normally build up a cash value (either through interest or investments) which can be taken back by the policyholder when the plan reaches maturity, providing a simple method of long-term estate planning. In addition to this a Whole of Life Insurance policy in Hong Kong will normally provide a death benefit of 101 per cent of the plan's overall value in the event of the insured individual's death.

 

Whole of Life Premiums in Hong Kong

When applying for a Whole of Life Insurance plan in Hong Kong you will normally have the ability to select the frequency and level of premium payments made for the policy.

 

The premium to be paid under a Hong Kong Whole of Life insurance plan will normally be dependent on the total Sum Assured covered by the policy; which will, in turn, be based on your average salary earnings. As such it is normally not possible to obtain life insurance coverage for a greater amount than your average salary.

 

How Whole of Life Insurance Works

Whole of Life Insurance plans in Hong Kong usually provide life insurance coverage, offering a benefit in the event of the insured individual's death, in addition to a form of investment fund such as a savings account or actual investment facility.

 

The Policy will pay a fixed benefit to the plan's beneficiaries in the event of the insured party's death, with a portion of the premium going towards a built-up cash value through investments made by the insurance company administering the policy

 

In the event that you would like to surrender, or give up the Whole of Life Insurance plan, then you will normally receive the built-up Cash Value of the policy, plus any accumulated dividends and interest which may have been earned by the plan.

 

Details

Business Insurance

LCF is able to provide comprehensive business insurance to companies operating in Hong Kong.

 

Providing a greater range of coverage than a single type of business insurance policy offering, for example,  Employee Benefits, Office/Shop Package Insurance, Contractor's All Risks Insurance, Public Liability Insurance, Fire Insurance, Product Liability Insurance, Professional Indemnity Insurance, Directors and Officers Insurance, Marine Cargo Insurance, etc.

General Insurance

Outside of Hong Kong Health Insurance, Hong Kong Life Insurance, and Hong Kong Car Insurance, LCF is able to provide an extensive range of General Insurance Coverage options to expatriates and locals in Hong Kong SAR.

 

Our comprehensive portfolio of Hong Kong General Insurance Products means that LCF is a one-stop-shop for all your insurance needs, able to provide comprehensive advice and service on all of your Hong Kong Insurance plans in a single place.

 

Types of General Insurance in Hong Kong

Travel Insurance
Helper Insurance
Home Insurance
Personal Accident Insurance
Motor Insurance

Mandatory Provident Fund (MPF)

As Hong Kong's population is ageing rapidly, the future workforce will have to face the challenge of having to support a much larger number of retirees. The MPF System is set up to help Hong Kong's workforce save up for their retirement. LCF provides a range of options you can choose from when making decisions on your MPF.

Trusted partnerships

As an insurance broker, LCF is able to work with some of Hong Kong's best general insurance companies. We also have extensive partnerships with leading international providers located around the world, giving you the widest range of options for all your coverage. At LCF we are continually looking for additional high-quality providers with which to partner in order to give you the widest possible range of choices with regards to your Hong Kong insurance coverage.

Contact us

LCF Group HK Limited

+852 2566 2993 (customer care)

+852 2566 2282 (fax)

general@lcfgroup.hk

 

Room 2102B, 21/F,
Wing On Centre,
111 Connaught Road Central,
Hong Kong.

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