1. Preliminary work to buy insurance in Hong Kong

Communicate about the insurance plan and physical health status. After confirming the insurance plan, send the appointment application form 3-7 working days in advance.

2. Go to Hong Kong to buy insurance

1) The policyholder signs the insurance application documents in Hong Kong (note that the signature style must be consistent)

2) At the insurance company For verification, the insurance company will also record the relevant identity documents and immigration certificates of the policy holder to ensure that the policy holder was in Hong Kong on the date of purchasing the policy, thereby ensuring the legality of the policy.

3) After completing the verification process, you can pay the initial premium by swiping your Visa or Master credit card, paying in cash, writing a Hong Kong bank check or cashier's order, or paying cash at the bank counter.

3. Underwriting by Hong Kong insurance companies

After the underwriting results of the insurance company come out, customers who declare physical condition may need to go to Hong Kong for a physical examination or supplementally submit a domestic physical examination report. To avoid customers arriving in Hong Kong for the second time, we will communicate the specific physical conditions in detail and arrange for medical examinations in Hong Kong for items that may require physical examination in Hong Kong when purchasing insurance.

4. Policy approval and delivery of contract

About one week after policy approval, the insurance company will send the policy contract to the customer’s mailing address. Some insurance companies will The contract will be sent by the brokerage company.

5. Policy service

Every insurance company will have an online policy system. When receiving the policy, AIA will send the online policy password sheet by regular mail (it is generally recommended not to wait Receive the password slip and directly log in to the system online to reset the password). At the same time, they will also send the online policy system operation instructions by email.

6. Things to note for mainlanders buying Hong Kong insurance:

Mainland people buying Hong Kong insurance should avoid buying "underground policies". As there is a huge potential market for mainland customers, it has been favored by the Hong Kong insurance industry in recent years, and many have gone north to develop customers.

Guangdong insurance intermediary executives told this newspaper that internationally renowned insurance companies such as Zurich, MassMutual, and ING are actively exploring mainland customers. Therefore, it is not uncommon for customers to be introduced to Hong Kong through third-party financial institutions and small insurance intermediaries, which may result in "underground insurance policies".

The so-called "underground insurance policies" refer to overseas (mainly Hong Kong and Macau) insurance policies illegally sold within the country. Many insurance agents in Hong Kong told this newspaper that based on the validity of the policy, the policy applicant and witnesses must sign in Hong Kong before the policy is protected by Hong Kong laws. On the contrary, if the policy is signed in the mainland, it violates the laws of the mainland and Hong Kong. regulations, making the policy void.

If a legal dispute occurs, the policyholder will need to contact local legal institutions in Hong Kong to handle the relevant legal disputes. Sometimes it is necessary to hire a local lawyer to represent them, and the cost of rights protection is high. This is why mainland third-party financial institutions or small insurance intermediaries send mainland customers to Hong Kong to sign contracts.

Extended information:

Xiangmai Insurance Materials List:

1. Adults

(1) Chinese Resident Identity Card

(2) Permit to travel to and from Hong Kong and Macao (pay attention to check the expiration date of the document before traveling. The current universal card-type pass is valid for 10 years, and the endorsement is valid for 3 months, 6 months or 1 year).

(3) Entry label (that is, the entry record label issued by Hong Kong Customs when entering the country. Please be sure to keep it. It is very important. It is needed when taking out insurance or opening a bank account. If it is accidentally lost while in Hong Kong, , you need to go to the Hong Kong Immigration Bureau to apply for a reissue with a valid document).

(4) Proof of address valid within 3 months (including credit card statements, utility bills, telecommunications/mobile payment slips, etc.) - This is currently not required when applying for insurance, but issuance Hong Kong bank account is required.

2. Minors

(1) Birth certificate.

(2) Household register.

(3) Children’s vaccination manual, which requires vaccination records within one year (1-6 years old). Most insurance companies no longer require it.

(4) Enrollment certificate or student handbook (over 7 years old) - most insurance companies no longer require it.

3. Others

(1) Pregnant women: [Prenatal check-up record form] (if not, please tell the truth);

(2) Medical history: If you have a medical history , you need to provide "past case records", "physical examination report within the year", and be prepared to go to Hong Kong for a physical examination.

Reference material: ifeng.com---Buying insurance in Hong Kong