[{"id":"faq-1","question":"是否需要赴港签约？","answer":"是的，根据香港保险监管局的规定，投保人需要亲自赴港签署保单。这是为了确保投保人充分了解保单条款和权益。我们会协助安排行程，通常签约当天即可完成所有手续。","sort":1,"enabled":true,"categoryId":null,"createdAt":"2025-03-01T00:00:00.000Z","updatedAt":"2026-05-18T07:59:06.809Z"},{"id":"faq-2","question":"核保一般需要多长时间？","answer":"核保时间通常为5-10个工作日，具体取决于保险公司及投保金额。如需体检，可能会延长至2-3周。我们会全程跟进核保进度并及时通知您。","sort":2,"enabled":true,"categoryId":null,"createdAt":"2025-03-01T00:00:00.000Z","updatedAt":"2026-05-18T07:59:06.811Z"},{"id":"faq-3","question":"有哪些缴费方式？","answer":"常见缴费方式包括：香港银行账户转账、信用卡缴费（首年）、支票缴费等。我们建议开设香港银行账户以便后续续费。具体可接受的缴费方式视保险公司而定。","sort":3,"enabled":true,"categoryId":null,"createdAt":"2025-03-02T00:00:00.000Z","updatedAt":"2025-03-02T00:00:00.000Z"},{"id":"faq-4","question":"未成年人如何投保？","answer":"未成年人投保需由父母或法定监护人作为投保人，未成年人作为受保人。父母需携带出生证明、户口本等相关文件，并亲自赴港签署保单。","sort":4,"enabled":true,"categoryId":null,"createdAt":"2025-03-03T00:00:00.000Z","updatedAt":"2025-03-03T00:00:00.000Z"},{"id":"faq-5","question":"购买香港保险有什么注意事项？","answer":"主要注意事项包括：1) 确认保险公司和产品是否由香港保监局认可；2) 仔细阅读保单条款，特别是除外责任；3) 了解汇率风险；4) 确保如实告知健康状况；5) 保留所有签署文件的副本。","sort":5,"enabled":true,"categoryId":null,"createdAt":"2025-03-04T00:00:00.000Z","updatedAt":"2025-03-04T00:00:00.000Z"},{"id":"faq-6","question":"保单签发后如何管理？","answer":"保单签发后，您可以通过保险公司官网或APP查看保单详情。续期缴费可通过银行转账完成，无需赴港。如需理赔，大部分保险公司支持邮寄或在线提交理赔申请。我们也提供持续的保单管理支持服务。","sort":6,"enabled":true,"categoryId":null,"createdAt":"2025-03-05T00:00:00.000Z","updatedAt":"2025-03-05T00:00:00.000Z"},{"id":"faq-7","question":"内地人购买香港保险是否合法？","answer":"完全合法。只要投保人亲自赴港签署保单，购买香港保险是完全合法合规的行为。但需注意，地下保单（未亲赴港签署的保单）是不受法律保护的。","sort":7,"enabled":true,"categoryId":null,"createdAt":"2025-03-06T00:00:00.000Z","updatedAt":"2025-03-06T00:00:00.000Z"},{"id":"faq-8","question":"理赔需要去香港吗？","answer":"不需要。绝大多数保险公司支持邮寄理赔资料或通过在线平台提交理赔申请。理赔款项可以汇至您指定的银行账户（包括内地银行账户）。","sort":8,"enabled":true,"categoryId":null,"createdAt":"2025-03-07T00:00:00.000Z","updatedAt":"2025-03-07T00:00:00.000Z"}]