Insurance companies travel to Hong Kong.

I don't know which company told you. Generally, insurance companies will carry out some travel itineraries. Because our manager used to travel, he can get the lowest price and the most affordable itinerary. Other companies don't know how to implement it. Because Hong Kong and Macao tours don't have much money, if it's a shopping group, it's only a few hundred dollars. Some may be tour fees. However, if the price is low, you will go by train. The journey is very long, the itinerary is different, and the cost is definitely different. See if you want to go shopping or play. I have to buy something anyway.

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