Published on: 9 July 2014 by Michael Lamb
Hong Kong may have escaped the impact of Super Typhoon Neoguri, and the city’s recent sweltering temperatures and sunny skies have been a welcome respite from what has at time seemed like months of perpetual rain, but the storm which is set to hit Japan later today is a timely reminder that the wet season can be far more dangerous than some intense rain, flooding and hail stones!
From cancelled events, through to structure damage and actual physical harm, severe summer storms and the increased prevalence of Super Typhoons should not be underestimated and all Hong Kong residents should be protected against the major risks.
With wind speeds of up to 160 mph a Super Typhoon, like Neoguri, is one of the most destructive forces in nature. As the storm hits Okinawa an estimated 500,000 people are having to seek safe havens at suitable shelters, and already at least 4 people have been injured according to the BBC, and the AFP is reporting that at least 2 people have been killed.
While these numbers may not seem high they do illustrate the fact that, as with any act of nature on this scale, there is risk simply being in the storm’s path. Typhoons routinely injure or kill hundreds of people throughout the Asia-Pacific region – and although Hong Kong is relatively safe from many of the risks affecting a country like the Philippines, it is not immune.
With the risks of severe bodily injury resulting from being in the path of a typhoon, a Medical Insurance plan is the most effective way of ensuring that you are able to receive high quality, long term medical care in the event of suffering a storm related accident. While Hong Kong has a highly qualified public healthcare system, during a major storm emergency rooms and government run shelters are often over-crowded and over-burdened, with waiting times at a hospital like the Queen Mary lasting as long as 3 hours.
Additionally, no matter how small it may be, there is a risk of death associated with any Typhoon. While Typhoon deaths are not a common feature of Hong Kong, with storm related injuries being much more common, the fact that they do occur cannot be overlooked. The simplest way to ensure that your loved ones are protected in the event of your untimely death during a Typhoon is with a Hong Kong Life Insurance Plan.
A Hong Kong Life Insurance policy which includes a comprehensive Personal Accident Benefit means that your family will not have to worry about an income should you be killed, or permanently maimed due to falling scaffolding, or other local typhoon dangers.
More common in Hong Kong’s history of Typhoons is property damage. From broken windows, blown down trees, flooded roofs, and even air conditioners which are sucked out of tower block windows (it has been known to happen), sometimes the architecture and construction which makes Hong Kong such a world class city can be very easily broken.
Fortunately, a number of insurance products exist to protect against an extensive range of risks to your Hong Kong home.
A Fire and Allied Perils Home Insurance plan can include coverage for water damage, ensuring that landlords are covered for the damages which impact their properties resulting from water (including rain – one of the biggest Typhoon Risks!).
A property owner who purchases a Public Liability Insurance Plan is protected against their risk to the public in the event that any of their fixtures or fittings gets torn away and injures someone, or damages someone else’s property.
A Home Contents Insurance plan will cover you (whether you own or rent your property) against the loss of, or damage to your personal possessions. Covering your items under a home insurance plan which includes Worldwide All Risks protection will ensure that you’re also protected against losing your items in a typhoon situation overseas!
With all the many summer events going on around town, including the upcoming World Cup Final viewing events, and the many summer festivals and markets across the city, one of the biggest risks to organizers is a T8 signal, or it’s ugly younger brother The Black Rainstorm Warning.
An Event Insurance policy which includes a Weather Cancellation option is the easiest way to ensure that organizers are covered against inclement weather situations for outdoor events, while all indoor events get Typhoon Cancellation as a policy standard under the general cancellation benefit.
So no matter whether you’ve planned an amazing summer wedding, or if you’re putting on the greatest summer concert festival Hong Kong has ever seen, you don’t have to worry about losing your prepaid deposits and non-refundable expenses if Mother Nature decides to get nasty.
CCW Global can offer a comprehensive range of Hong Kong Insurance products which can be tailored to meet the diverse risks associated with the Tropical Storm Season. Our expert general insurance and specialist insurance brokers will work with you to identify the perfect coverage solutions, and ensure that you are protected worldwide from appropriate risks.
You can learn more about our consultation process by clicking CCW Global Consultation and Quotation Process, or you can request a free personalized quote by completing the short form at the top of this page.
Should you have any questions about the type of Hong Kong Insurance coverage suitable for a Typhoon Situation, or if you would like to learn more about any of the different product lines offered by CCW Global Please Contact Us Today.