How to settle claims for immigrants with insurance in China?

Generally speaking, you only need to express the claim information to domestic insurance companies, and you don't need to be present in person.

However, it still depends on what kind of insurance you claim.

1. If it is a life insurance death claim, the material to be provided is the local (Hong Kong) death certificate, which is generally recognized in China. I hope you have designated the beneficiary, otherwise it will become inheritance, and the procedure is troublesome.

2. If it is a life insurance survival fund, it is easy to get it, just provide the domestic bank account number, and will not directly call the external account.

If it is a serious illness or medical insurance, it will be troublesome. Domestic insurance companies may not recognize the expense documents issued by Hong Kong hospitals, because "invoices" are only available in China, and there are no invoices in Hong Kong (abroad), only receipts.

Other accident insurance, etc. Both involve whether the materials identified are recognized by domestic companies, and each company has different rules. Since you have immigrated or will immigrate soon, you can consider insurance products in Hong Kong. For more information, please see "Health Insurance-Hong Kong Insurance".