大陆游客赴香港投保情况持续升温
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.
根据《证券时报》报道，中国内地居民正在香港掀起新一轮购物热，不过经验丰富的顾客这次不是冲着奢侈品去的，而是去购买保险的。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.
香港保险业监理处的数据显示，今年上半年，内地客户贡献的保单保费达到了创纪录的301亿港币，同比增长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，保险公司的柜台现在挤满了争相购买保险的内地客户。
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.
最受欢迎的险种是重大疾病保险、投资型保险或家庭信托，事实证明对内地客户而言，费率低、收益高、覆盖广是香港保险的主要卖点。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.
香港保险费率平均比内地低10%-30%，且内地保险最多仅覆盖40种重大疾病，而香港保险覆盖50-120种重大疾病。Buying large sum insurance in Hong Kong is also a way to avoid potential inheritance tax by transferring assets abroad.
在香港购买大额保险也是通过向海外转移资产来规避可能实施的遗产税的一种方式。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.
尽管赴港购险大热，保险业专家提醒，由于在香港购买的保险不受内地法律保护，因此对于内地客户而言，法律纠纷会是麻烦事。
