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内地居民为何纷纷去香港买保险?

香港作为全球金融中心之一,其保险业相当发达,根据香港贸易发展局数据,2013年香港的保费收入达到2,907亿港元,相当于香港的GDP的13.7%。而且作为全球金融中心,香港有一半的保险公司是在海外注册的,其中以美国,英国公司为主。对于国内的投保人士,如果想要买国外保险公司提供的保险产品,香港是非常理想的选择。于是内地很多富人纷纷前往香港购买保险。

根据香港保险业监理处的数据,去年,内地居民来港购买的保单超过10万份,金额高达149亿港元,占香港保费收入的16%,内地保費收入增長11.2%。相对于增速放缓的大陆经济来说,香港保险业的内地生意可以说是红红火火。

为什么内地土豪们都这么喜欢去香港买保险呢?

除了香港作为世界级金融中心有比较健全的法规,市场竞争比较全面之外,还有一些大家不太了解的因素:

通过保险来转移资产

在法律上,保险权是高于债权的,所以很多企业主利用这种方式来转移资产。

由于内地中小企业寿命比较短,加上最近一年多以来,经济情况并不景气。于是很多中小企业濒临破产。为了避免破产清算时失去一切家产,这些小企业主就想办 法借钱,甚至不惜把厂房抵押出去,然后用这些钱去香港购买巨额保险。这些保险受益人可以是这些小企业的老板,也可以他们的子女,或者亲属。

一旦企业破产倒闭,在清算其债务的时候,由于保险权高于债权,所以这些保险就可以得以幸免,法院既不能冻结这些保险里的资金,也不能要求保险的受益人代替老板偿还债务。于是很多小企业就通过这种方式来转移资产,避债。

这种转移资产的方式除了用在避债方面之外,还用在夫妻不和时出现的财产纠纷上。通过将受益人设为家庭之外的其他人,当投保人离婚时这部分保险,就不能计入夫妻共同财产。

富豪们的遗产隐忧

国内有不少传言称中国将要开征遗产税,这让自古以来都有传家习俗的中国人有一些难以接受,尤其是对这些年里富裕起来的企业家们。如果按照2010年修订的《中华人民共和国遗产税暂行条例(草案)》来执行遗产税的话,遗产税的征收方式如下:

遗产税采用累进税制:80万起征,80万以下的部分不征税,80万-200万、200万-500万、500万-1000万以及超过1000万的适用税率分别为20%、30%、40%、50%。

对于某些企业家的后代来说,遗产税将非常沉重——超过80万的部分,最低将被征税20%。如果父辈留下3000万遗产,则需要纳税1034万。

而有意思的是,香港在2006年取消了遗产税,这让很多担心遗产税的富豪们纷纷前往香港购买巨额寿险保单,通过给自己投保高额寿险,然后将受益人设为子女的方式,将大笔的财富放在保险之中,通过这种方式,来避免可能出现的遗产税。

当然这些都是给富豪准备的,对于普通人来说,在香港买保险有没有好处呢?当然有!

第一,重大疾病保险更便宜

重大疾病保险是大陆人去香港购买保险时,非常流行的险种。相比之下,中国本土保险公司保险疾病范围小,而且年费高。据媒体报道,每年缴纳一样的保费,在同样的缴费年限下,保额相差可以达到5倍之多。

为什么香港的重大疾病保险这么便宜呢?其实是因为内地人在香港购买保险实际上是沾了香港的便宜。一位香港保险经纪人对此的解释是:“保险的价格是按照当地人口的平均寿命、发病率和死亡率等数据精算出的结果。香港人均寿命85岁,比内地平均高10岁,发病率和死亡率也低得多,所以保险自然比内地便宜。”

所以内地人去香港买保险,等于是用香港的价格买了内地的保险,实际上沾了香港的便宜。

第二,储蓄类保险收益高

中国人自古望子成龙,很多富裕家庭也更愿意给孩子买一些储蓄类保险。随着孩子的年龄不断增长,积累的资产就会越来越多,最后用在孩子上学,生活等方面。

以某内地保险公司的一个计划为例,如果选择10年缴费,每年1万元的话,可以保障到80岁,每年可以领取从1%开始每年增加1%的“成长金”,60岁可以领取17000元祝寿金等,合计收益至80岁共计446300元。如果按照这么计算的话,这个保险计划的年化收益率仅为3%。

而香港的保险产品设计则没那么复杂,以某英国保险公司提供的保险产品为例每年交10万元人民币,连续缴纳10年,到20岁时可一次性提取200万元,或者30岁可以一次性提取415万元。这么算下来,年化收益率将近5%。

相比之下,储蓄类保险在香港不光设计简单,而且回报丰厚。

另外,香港是国际金融中心、航运中心、贸易中心、离岸财富管理中心;是美食、购物的天堂,是国际自由港,人员和资金可以全世界自由流转;香港的法制建设最完 善、社会高效廉洁,法律极为保护个人的财产;香港实行当地征税而不是全球征税的政策,税种单一、税率极低,没有遗产税和赠与税。

未经允许不得转载:iang签证,inag续签,iang续签攻略,香港iang续签规律,香港iang签证续签条件 » 内地居民为何纷纷去香港买保险?

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