赴港投保前必看！退保损失、外汇政策、销售误导??一地行业协会提示港险五大风险

Core Viewpoint - The recent surge in interest for purchasing Hong Kong insurance among mainland residents is driven by high yield and global asset allocation promotions, but it poses significant risks due to differences in legal systems, regulatory policies, and product designs [1][2]. Group 1: Risks of Cross-Border Insurance - Cross-border insurance purchases face various risks, including lack of legal protection under domestic laws, currency exchange rate fluctuations, uncertain policy returns, high claims costs, and difficulties in consumer rights protection [2][6]. - Consumers are advised to be cautious of illegal "underground policies" and to understand the significant differences in legal protections [2][6]. - The risks associated with foreign insurance products include special foreign exchange management and exchange rate risks, as claims and benefits are settled in foreign currencies [3][4]. Group 2: Regulatory Compliance - Any company promoting or selling insurance products must hold a license issued by financial supervisory authorities, and individuals must register with their respective insurance companies or intermediaries [2][8]. - Non-compliance with these regulations, such as promoting or selling foreign insurance products without proper licensing, is considered illegal [2][8]. Group 3: Consumer Guidance - Financial consumers are encouraged to verify their needs, compare terms, confirm their payment capabilities, and retain documentation when selecting insurance products [6][8]. - It is crucial for consumers to understand the long-term nature and stability of policies, avoiding blind trust in "high yield" promises [6][8]. - Consumers should clarify their actual needs and objectives before purchasing Hong Kong insurance, ensuring they go through licensed companies or professional intermediaries [8].