由于富裕的中国内地及海外客户继续在香港购买保单以满足财富传承、保障和医疗需求，今年上半年香港人寿保险销售额增长58%，再创历史新高。这是上半年销售额连续第四年创下历史新高。
Life insurance sales in Hong Kong rose 58 per cent in the first half of this year to another record high as affluent mainland and overseas customers continued to buy policies in the city for wealth transfer, protection and medical needs. It was the fourth consecutive year in which first half sales hit a record high.
根据保险业监管局周五公布的数据，今年上半年该行业新造人寿保单保费达2751.6亿港元（折合353亿美元），而去年同期为1737亿港元。
The industry wrote HK$275.16 billion (US$35.3 billion) worth of new life insurance policies in the first half, compared with HK$173.7 billion a year earlier, according to data from the Insurance Authority released on Friday.
今年5月，中国政府开始收紧跨境投资，这已引发离岸支出急剧下降。为阻止资本外逃，北京目前正对中国内地居民的离岸信托和海外投资收益严格征收20%的个人所得税。
In May, the Chinese government began tightening cross-border investments, which has triggered a sharp drop in offshore spending. To block capital flight, Beijing is now enforcing a strict 20 per cent personal income tax on mainland residents’ offshore trusts and overseas investment gains.
这一激进的税收举措得到了包含34条内容的全面《境外投资条例》以及国家发展改革委（发改委）更新规则的支持，旨在阻止未经批准的资金流出中国。
This aggressive tax push is backed by a sweeping 34-article Regulation on Outbound Investment and updated rules from the National Development and Reform Commission (NDRC) designed to stop unapproved money leaving the country.
通过打击无证网络券商并大大增加内地人在香港开立银行账户的难度，当局已有效遏制了未经授权的私人财富外流。此外，北京正大举对离岸信托和居民海外收入征税。
By cracking down on unlicensed online brokerages and making it much harder for mainlanders to open Hong Kong bank accounts, authorities have effectively choked off the outflow of unauthorised private wealth. Additionally, Beijing is aggressively taxing offshore trusts and residents’ overseas income.
总部位于香港的保险经纪公司赤道资产保障首席执行官钟健强表示，本地销售在下半年可能会面临阻力。
Kenrick Chung Kin-keung, CEO of Equator Asset Protection, a Hong Kong based insurance broker, said local sales may face headwinds in the second half.
钟健强表示：“北京对海外保险收益征税，肯定会促使一些内地访客在购买产品前三思而后行”，因为这会降低他们的回报。“但有些人可能仍喜欢在香港购买保单，因为即使在纳税之后，它们也比内地保险政策提供更好的回报。”
“Beijing’s enforcement of taxes on overseas insurance gains would definitely lead some mainland visitors to think twice before buying the products” because it would reduce their returns, Chung said. “But some may still like to buy policies in Hong Kong as they provide better returns than mainland insurance policies even after the tax.”
宏利香港及澳门行政总裁基尔（Wilton Kee Wing-tao）表示，受益于香港作为国际保险和财富管理枢纽的实力，香港保险市场持续增长。
Wilton Kee Wing-tao, CEO of Manulife Hong Kong and Macau, said Hong Kong’s insurance market has continued to grow as a result of the city’s strength as an international insurance and wealth management hub.
基尔表示：“客户在保障、健康、退休和财富规划方面有着多元化的需求。”
“Customers have diverse needs across protection, health, retirement and wealth planning,” Kee said.
“随着这些需求日益交织，保险公司在帮助客户建立财务韧性、保障健康以及自信规划人生不同阶段方面，可以发挥更大的作用。”
“As these needs become increasingly interconnected, insurers have an even greater role to play in helping customers build financial resilience, safeguard their health and plan confidently for different stages of life.”
基尔表示，宏利已将其医疗专家网络扩大了六倍，增至逾1200名专家，同时该公司最近与蚂蚁健康达成了一项新的合作协议，以开发医疗和健康服务。
Kee said Manulife has expanded its medical specialist network sixfold to more than 1,200 experts, while it recently entered into an agreement with Ant Health for a new partnership to develop healthcare and wellness services.
根据保险业监管局的数据，按新造保单计算，汇丰保险在今年上半年继续稳居人寿保险市场首位，市场份额为24%。这家汇丰控股旗下的保险部门在过去整整四年里一直保持领先地位。
HSBC Life remained the top player in the life insurance market in terms of new sales in the first half, with a market share of 24 per cent, according to Insurance Authority data. The insurance unit of HSBC Holdings has taken the lead for the past four years as a whole.
汇丰保险香港及澳门行政总裁曾佩珊表示，保险销售的持续强劲增长是由本地居民和访客的需求共同驱动的。汇丰保险向来自50多个市场（大多在亚洲）的保单持有人签发了新保单。
Daisy Tsang, CEO of HSBC Life Hong Kong and Macau, said the continued strong growth in insurance sales was driven by demand from both locals and visitors. HSBC Life issued new policies to policyholders in more than 50 markets, mostly in Asia.
她表示：“这巩固了香港作为领先国际保险和财富管理中心的地位。在亚洲结构性人口趋势（包括财富增长和人口老龄化）的支撑下，我们预计离岸客户在未来几年将成为日益重要的增长来源。”
“This reinforces Hong Kong’s position as a leading international insurance and wealth-management centre,” she said. “We expect offshore customers to become an increasingly important source of growth in the years ahead, supported by Asia’s structural demographic trends, including rising wealth and an ageing population.”
曾佩珊表示，该行业与家族办公室和经纪公司的合作日益增多，这有助于吸引高净值客户在香港购买保单。
Tsang said the industry has seen an increasing number of partnerships with family offices and brokers to help drive wealthy customers to purchase policies in Hong Kong.
曾佩珊说：“高净值客户仍然是核心客群，保险越来越被公认为财富保值和传承规划的重要解决方案。”
“High-net-worth customers remain a core segment, with insurance increasingly recognised as an important solution for wealth preservation and legacy planning,” Tsang said.
保险业监管局自去年以来一直未披露内地访客的数据，理由是对如何将其与其他海外买家进行定义和识别的工作进行评估。
The Insurance Authority has not disclosed data for mainland visitors since last year, citing a review of how to define and identify them alongside other overseas buyers.
但业界人士表示，内地访客仍然是该市保险市场的推动力。根据香港旅游发展局的数据，今年上半年访客人数上升13%至2670万人次，其中77%来自中国内地。业内人士称，许多访客在港期间购买了保险和财富产品。
But industry players said mainland visitors remained a driving force for the insurance market in the city. The number of visitors to Hong Kong rose 13 per cent to 26.7 million in the first half, with 77 per cent coming from mainland China, according to data from the Hong Kong Tourism Board. Many visitors bought insurance and wealth products while in the city, according to industry insiders.