大陸游客赴香港投保情況持續升溫
A fresh shopping craze of people from the Chinese mainland is unfolding in Hong Kong, but this time the seasoned shoppers are not after luxuries, but insurance, reports the Securities Times.
根據《證券時報》報道，中國內地居民正在香港掀起新一輪購物熱，不過經驗豐富的顧客這次不是衝着奢侈品去的，而是去購買保險的。According to the statistics of the insurance authority of Hong Kong, premiums of mainland customers' insurance orders in the first half of 2016 hit a record high of 30.1 billion Hong Kong dollars, an increase of 116 percent year-on-year.
香港保險業監理處的數據顯示，今年上半年，內地客戶貢獻的保單保費達到了創紀錄的301億港幣，同比增長116%。Instead of the luxury stores, counters of the insurance companies are now thronged with mainland clients scrambling to buy insurance.
接替了奢侈品商店，保險公司的櫃檯現在擠滿了爭相購買保險的內地客戶。
The most popular are critical illness insurance, investment-oriented insurance or family trusts, with lower premiums, higher dividends and wider coverage proving the main drawcards for mainland clients.
最受歡迎的險種是重大疾病保險、投資型保險或家庭信託，事實證明對內地客戶而言，費率低、收益高、覆蓋廣是香港保險的主要賣點。Insurance in Hong Kong on average costs 10-30% less than on the mainland, and on the mainland insurance only covers up to 40 types of critical illnesses, while those in Hong Kong cover 50 to 120 types.
香港保險費率平均比內地低10%-30%，且內地保險最多僅覆蓋40種重大疾病，而香港保險覆蓋50-120種重大疾病。Buying large sum insurance in Hong Kong is also a way to avoid potential inheritance tax by transferring assets abroad.
在香港購買大額保險也是通過向海外轉移資產來規避可能實施的遺產稅的一種方式。Despite the frenzy, experts in insurance are warning that since the insurance bought in Hong Kong is not bound by mainland laws, legal disputes will be troublesome for mainland clients.
儘管赴港購險大熱，保險業專家提醒，由於在香港購買的保險不受內地法律保護，因此對於內地客戶而言，法律糾紛會是麻煩事。
