Hello! Mainland residents who go to Hong Kong to buy insurance generally need to bring their Hong Kong and Macao passes (or passports) and ID cards; if a couple insures each other, they need a marriage certificate or household registration book; if they are insuring a child, they need the child's birth certificate, vaccine booklet, etc. In addition, a bank card with the UnionPay logo is also required to pay by card. Of course, when purchasing insurance, consumers should also pay attention to the following matters:
1. Sign insurance contracts with caution. Hong Kong's underwriting is strict and there are a lot of procedures and documents. The content of the contract is not as suitable for our thinking model as the contracts in the Mainland. Moreover, they are all in traditional Chinese characters, which is difficult to read. If you are not proficient in English, you should be careful when signing non-Chinese versions of insurance contracts, and be wary of potential claims denial traps hidden in “unreadable” insurance contracts.
2. Pay attention to the transfer payment method. It is understood that policyholders who pay the first-year premium to a Hong Kong insurance company can directly use a UnionPay card or credit card from any bank in the Mainland to deduct the first-payment premium. Annual renewal premiums are paid, and each insurance company has its own payment method. Using domestic bank cards to make overseas transfer payments requires a lot of handling fees. If you open an account and apply for a Hong Kong bank card, there will also be a certain annual fee and other different costs.
3. The policy must be signed by me in Hong Kong. According to the relevant regulations of the Mainland and Hong Kong, policyholders who want to purchase Hong Kong insurance must sign the policy and go through the procedures in Hong Kong. "Underground policies" signed in the Mainland may be refused by insurance companies and are not protected by law. , easily deceived.
Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance