Renhe family is very wrong. The main difference between Xianggang insurance and mainland insurance is that under the same coverage, the critical illness insurance in Hong Kong is 30% or even 1/2 cheaper than that in the mainland. Regarding the underwriting situation, more than several hundred thousand domestic insurance premiums need medical underwriting, while only several million insurance premiums in Hong Kong need medical underwriting. The insurance ratio in Hong Kong is more suitable for customers who buy large insurance policies. As a port city, Hong Kong can invest in the whole world, and the rate of return is generally not less than 5%.