大陆游客赴香港投保情况持续升温

 　　A fresh shopping craze of people from the Chinese mainland is unfolding in Hong Kong, but this time the seasoned shoppers are not after luxuries, but insurance, reports the Securities Times.

　　根据《证券时报》报道，中国内地居民正在香港掀起新一轮购物热，不过经验丰富的顾客这次不是冲着奢侈品去的，而是去购买保险的。

　　According to the statistics of the insurance authority of Hong Kong, premiums¹ of mainland customers' insurance orders in the first half of 2016 hit a record high of 30.1 billion Hong Kong dollars, an increase of 116 percent year-on-year.

　　香港保险业监理处的数据显示，今年上半年，内地客户贡献的保单保费达到了创纪录的301亿港币，同比增长116%。

　　Instead of the luxury stores, counters of the insurance companies are now thronged² with mainland clients scrambling³ to buy insurance.

　　接替了奢侈品商店，保险公司的柜台现在挤满了争相购买保险的内地客户。

　　大陆游客赴香港投保情况持续升温

　　The most popular are critical illness insurance, investment-oriented insurance or family trusts, with lower premiums, higher dividends⁴ and wider coverage⁵ proving the main drawcards for mainland clients.

　　最受欢迎的险种是重大疾病保险、投资型保险或家庭信托，事实证明对内地客户而言，费率低、收益高、覆盖广是香港保险的主要卖点。

　　Insurance in Hong Kong on average costs 10-30% less than on the mainland, and on the mainland insurance only covers up to 40 types of critical illnesses, while those in Hong Kong cover 50 to 120 types.

　　香港保险费率平均比内地低10%-30%，且内地保险最多仅覆盖40种重大疾病，而香港保险覆盖50-120种重大疾病。

　　Buying large sum insurance in Hong Kong is also a way to avoid potential inheritance tax by transferring assets abroad.

　　在香港购买大额保险也是通过向海外转移资产来规避可能实施的遗产税的一种方式。

　　Despite the frenzy⁶, experts in insurance are warning that since the insurance bought in Hong Kong is not bound by mainland laws, legal disputes will be troublesome for mainland clients.

　　尽管赴港购险大热，保险业专家提醒，由于在香港购买的保险不受内地法律保护，因此对于内地客户而言，法律纠纷会是麻烦事。

1 premiums   

n.费用( premium的名词复数 )；保险费；额外费用；（商品定价、贷款利息等以外的）加价

参考例句：

• He paid premiums on his life insurance last year. 他去年付了人寿保险费。 来自《现代英汉综合大词典》
• Moves are afoot to increase car insurance premiums. 现正在酝酿提高汽车的保险费。 来自《简明英汉词典》

2 thronged   

v.成群，挤满( throng的过去式和过去分词 )

参考例句：

• Mourners thronged to the funeral. 吊唁者蜂拥着前来参加葬礼。 来自《简明英汉词典》
• The department store was thronged with people. 百货商店挤满了人。 来自《现代英汉综合大词典》

3 scrambling   

v.快速爬行( scramble的现在分词 )；攀登；争夺；（军事飞机）紧急起飞

参考例句：

• Scrambling up her hair, she darted out of the house. 她匆忙扎起头发，冲出房去。 来自《现代英汉综合大词典》
• She is scrambling eggs. 她正在炒蛋。 来自《简明英汉词典》

4 dividends   

红利( dividend的名词复数 )； 股息； 被除数； （足球彩票的）彩金

参考例句：

• Nothing pays richer dividends than magnanimity. 没有什么比宽宏大量更能得到厚报。
• Their decision five years ago to computerise the company is now paying dividends. 五年前他们作出的使公司电脑化的决定现在正产生出效益。

5 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

6 frenzy   

n.疯狂，狂热，极度的激动

参考例句：

• He was able to work the young students up into a frenzy.他能激起青年学生的狂热。
• They were singing in a frenzy of joy.他们欣喜若狂地高声歌唱。