“打飞的”赴港投保再掀热潮，监管提醒这些风险

Core Insights - The surge in demand for Hong Kong insurance products among mainland visitors is met with regulatory warnings about potential risks associated with overseas insurance purchases [1][4][6] - The Hong Kong insurance market is experiencing significant growth, with new policy premiums reaching a record high in 2024, driven largely by mainland visitors [2][3] Group 1: Regulatory Environment - The Hebei Financial Regulatory Bureau has issued warnings regarding the risks of purchasing overseas insurance, highlighting that such policies are not protected under mainland laws and carry various risks including exchange rate fluctuations and high claims costs [1][4] - The Hong Kong Insurance Authority has been actively monitoring and regulating the sale of insurance products to ensure compliance and protect consumer rights [6][8] Group 2: Market Trends - In 2024, the total new policy premiums in Hong Kong's insurance market reached 219.8 billion HKD, marking a 22% year-on-year increase, with mainland visitors contributing 62.8 billion HKD, a 6.5% increase [2] - The first quarter of 2025 saw a further increase in new policy premiums to 93.4 billion HKD, a 43.1% rise compared to the previous year, indicating sustained interest from mainland consumers [2] Group 3: Consumer Behavior and Risks - Mainland consumers are advised to be cautious when purchasing insurance in Hong Kong, with recommendations to engage only with licensed agents and to understand the terms and risks associated with the products [4][5] - Risks identified for mainland visitors include currency risk, legal discrepancies, and information asymmetry regarding product terms [4][5]