1. Opening a foreign exchange account: Foreigners need to open a foreign exchange account in China and provide relevant identification materials and other documents required by the bank.
2. Handling foreign exchange: the insurance company will transfer the insurance premium or surrender premium into the foreign exchange account, and foreigners need to exchange foreign exchange into the currency of their country or region, which can be exchanged through banks or third-party payment platforms.
3. Remittance: Foreigners can remit the converted currency to a bank account in their country or region through a bank or a third-party payment platform.