北京商报讯（记者 胡永新）1月22日，北京商报记者获悉，香港保险业监管局和香港电台联合制作的电 视剧《保监有道》普通话配音版本上线视频平台。 香港保险业监管局表示，香港保险市场一向是内地访客投保的热点，剧集正好有助于内地客户更深入了 解香港的保险监管制度，以及掌握投保时要注意的关键细节，助力他们保障自身权益。 据了解，剧集聚焦以下四类失当行为，一是未能充分了解客户保障需要和清晰说明保单内容。中介人应 当以客户的最佳利益行事，公平对待客户，包括了解客户面临的风险范围和所需保障，再推荐适合的保 险产品。中介人也需要清楚说明保单内容，协助客户在充分知情的前提下作出决策。对投保人而言，保 单是重要合同，在决定投保之前，务必认真了解保单条款，评估产品是否适合自身情况，切忌匆忙决 定。 《保监有道》总共四集，以真实案例为基础，介绍香港保险业监管局针对保险中介人的操守失当行为， 如何监管、调查与执法以维护市场秩序。 三是无牌销售。无牌销售保险属于违法行为，可能损害投保人权益，因为无牌人士不具备相应的保险从 业资格，也不受操守规范约束，难以保证以投保人的最佳利益行事。公众应该通过香港保险业监管局网 站的"持牌保险中介人登记册 ...

Core Viewpoint - The criticism of Hong Kong insurance by scholar Lang Xianping highlights seven major pitfalls, raising concerns about the industry's practices and the perceived risks associated with high-yield products [1][2]. Group 1: Criticism of Hong Kong Insurance - Lang Xianping identifies seven major pitfalls in Hong Kong insurance, including unrealistic 7% returns, penalties for early withdrawals, significant discrepancies in product returns, high rejection rates for health claims, expensive legal fees, foreign exchange controls, and invalid policies signed in mainland China [1]. - The recent adjustment of the dividend insurance demonstration interest rate cap from 7% to 6.5% by the Hong Kong Insurance Authority has intensified the scrutiny on the industry, as many mainland clients rushed to purchase insurance before the change [1][2]. Group 2: Industry Overview - The Hong Kong insurance industry has developed a unique model over more than a century, with total gross premiums reaching HKD 310.9 billion in the first half of 2024, a 5.1% increase year-on-year [4]. - Mainland clients accounted for HKD 29.7 billion of new premiums, representing 25.7% of the total new business [4]. - The industry manages assets exceeding USD 4.5 trillion, ranking first in Asia and second globally, attracting significant interest from global investors due to factors like broad investment options, high product pricing rates, and policy flexibility [4][5]. Group 3: Regulatory Environment - Hong Kong's insurance sector is governed by a stringent regulatory framework, ensuring detailed reporting of investments and preventing misleading asset inflation [5][6]. - The Insurance Authority can impose various measures on companies facing irregularities, ensuring that clients' reasonable returns are paid on time [6]. Group 4: Product Features and Market Dynamics - Hong Kong insurance products are diverse, including whole life, savings, medical, critical illness, and annuity plans, with a notable preference for whole life insurance among mainland visitors [6][7]. - The ability to change policyholders and beneficiaries multiple times, along with the option to convert non-guaranteed returns into guaranteed ones, enhances the appeal of these products [7]. - The market consists of 157 licensed insurance companies and 1,649 licensed insurance agents, with the top 50 companies generating total premiums of HKD 516.5 billion in 2023, reflecting a 2.33% growth from 2022 [17]. Group 5: AIA's Position and Recent Developments - AIA Group, a leading player in the Hong Kong insurance market, has faced scrutiny following Lang Xianping's criticisms, particularly regarding its product strategy in light of regulatory changes [14][18]. - AIA's recent launch of the "Universal Income Plan" aimed to comply with the new interest rate cap while offering attractive early returns, which has sparked debate about the sustainability of such strategies [18][19]. - The company's actions reflect broader industry challenges in balancing competitive offerings with regulatory compliance and risk management in a low-interest environment [19].