With more and more mainland customers and stricter foreign exchange control, seeking more diversified claims has become the basis for insurance companies to survive and achieve business growth. In fact, the claims of several insurance companies in Hong Kong are becoming more and more humanized. For example, several leading insurance companies in Hong Kong have successively introduced new claims payment methods:

Kang Cheng:

Mainland customers pay by non-crossed cheque.

Mainland customers collect money by wire transfer.

AIA:

Cash a check at Citibank

Remit to the domestic bank account of mainland customers by telegraphic transfer.

Issue bank drafts to customers in China.

Both insurance companies have recently increased "wire transfer payment" to pay claims against mainland customers. In other words, even if you don't have a bank card in Hong Kong, you can choose to let the insurance company directly transfer the claims to the mainland card by wire transfer. However, the wire transfer here is paid in US dollars or Hong Kong dollars. To convert into RMB, the holder/beneficiary needs to go to the bank to settle foreign exchange in person.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.