境外保险热度攀升 这些风险须警惕

Core Viewpoint - The Hebei Financial Regulatory Bureau has issued a risk alert regarding the purchase of overseas insurance, emphasizing the need for consumer awareness and caution in various aspects of insurance transactions [1] Group 1: Regulatory Compliance - Any company promoting, advertising, or selling insurance products must hold an insurance license or insurance intermediary license issued by the financial regulatory authority [1] - Individuals selling insurance products must be registered with their respective insurance companies or intermediary institutions [1] Group 2: Legal and Operational Risks - Licensed institutions and insurance personnel engaging in activities beyond their authorized scope, such as promoting or selling products from overseas insurance institutions, are committing illegal acts [1] - Overseas insurance policies are not protected by domestic laws in China, exposing consumers to risks such as currency fluctuations, uncertain policy returns, high claims costs, and difficulties in rights protection [1] Group 3: Consumer Guidance - Consumers are advised to purchase insurance through legitimate channels and to avoid participating in illegal transactions such as "underground policies" [1] - Caution is urged regarding investment-type products that promote "high returns" as a selling point [1]