郎咸平称香港保险是"精心骗局"，为何内地中产仍趋之若鹜？ 上海白领陈女士这个国庆节专程前往香港，目的很明确：签下一张预期收益率达6.5%的分红储蓄险。像她这样为保险而赴港的内地客正变得越来越多。 一位香港保险代理人Andy透露，国庆期间只是这波投保热潮的一个高潮点，保险公司早已做足准备。他表示，近期大部分客户都来自内地，其中不乏专 门乘飞机或高铁前来投保的人士。 尽管全球利率环境有所变化，且今年7月香港保险业正式实施"限高令"，规定美元分红保单的长期预期内部回报率不得超过6.5%，但香港保险的收益率优 势依然显著。这也解释了为何赴港投保的热潮持续不退。 图源：AI 市场数据印证了这一趋势：2024年，香港保险市场新单保费达到2198亿港元，较2023年同期大幅增长22%。其中，内地客贡献了628亿港元，占比接近三 成。这意味着，去年香港每售出三份新保单，就有一份来自内地客户。 然而，在市场火热的背后，质疑声也从未停歇。前不久，郎咸平教授"香港保险就是一个精心策划的骗局"的发言在网络上迅速传播，引发广泛讨论。 这不禁让人思考三个核心问题：香港保险为何持续走热？它到底是不是骗局？对于普通消费者而言，它又是否值得购 ...

图源：AI 市场数据印证了这一趋势：2024年，香港保险市场新单保费达到2198亿港元，较2023年同期大幅增长22%。其中，内地客贡献了628亿港元，占比接近三成。这意 味着，去年香港每售出三份新保单，就有一份来自内地客户。 然而，在市场火热的背后，质疑声也从未停歇。前不久，郎咸平教授"香港保险就是一个精心策划的骗局"的发言在网络上迅速传播，引发广泛讨论。 这不禁让人思考三个核心问题： 香港保险为何持续走热？它到底是不是骗局？对于普通消费者而言，它又是否值得购买？ 内地人为什么排队买香港保险？ 这几年，内地的很多朋友普遍遭遇资产荒，陈女士就是典型代表——银行、保险都在降息，房产租售比越来越低，存钱成了难题。 她的困惑代表了不少人的心声：准备子女教育金，担心收益率跑不赢通胀；规划养老储备，买理财产品怕踩雷，投资股市又担心亏损；看到海外资产表现亮眼， 想参与却对不熟悉的市场心存顾虑。在这种背景下，香港保险以其相对稳健的特性、较高的增值收益，以及地理邻近的便利性，成为不少人的配置选择。 就连95后年轻人也开始关注这一渠道。在医药公司工作的小玉表示："内地利率持续走低，我们这代人不愿盲目买房，在市区用车需求也不高。 ...

Core Viewpoint - The Hong Kong insurance market is experiencing a surge in demand from mainland customers as they rush to purchase high-yield insurance products before the upcoming regulatory changes that will limit the demonstration of returns to 6% and 6.5% for different currency products [1][6]. Group 1: Market Trends - The Hong Kong insurance market is witnessing a peak in customer visits, particularly from mainland clients, who are traveling specifically to secure insurance policies with a projected return of over 7% before the end of June [3][4]. - In 2024, the total premium for new insurance policies in Hong Kong reached HKD 219.8 billion, marking a 22% year-on-year increase and the highest in a decade [9]. - Mainland visitors contributed HKD 62.8 billion in premiums, a 6.5% increase from the previous year, accounting for 29% of all new premiums in Hong Kong [9]. Group 2: Product Preferences - Savings-type insurance remains the most popular category, with a market share of 62.1% in new policies, where whole life insurance constitutes 58.5% [10]. - Approximately 91% of new policy premiums are derived from savings-type products, with an average annual premium of HKD 409,000 per policy [10]. - The shift in motivation for mainland customers purchasing Hong Kong insurance has transitioned from seeking protection to focusing on investment opportunities, driven by lower interest rates and unsatisfactory returns from domestic investments [6][7]. Group 3: Regulatory Changes and Risks - The Hong Kong Insurance Authority has set new guidelines that will limit the demonstration of returns on insurance products, effective July 1, which has prompted a rush among customers to purchase before the changes take effect [1][6]. - There are concerns regarding the sales practices of unlicensed agents promoting Hong Kong insurance to mainland clients, which could lead to regulatory issues and potential consumer harm [12][13]. - The Insurance Authority has initiated reforms on the commission structure for intermediaries to address the issues related to unlicensed sales and high commission rates [14].