3 Ways to Buy Insurance without Meeting your Advisor

Estimated reading time 4 minutes

10Life Team

28 Mar 2022
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10Life Team

28 Mar 2022

Estimated reading time 4 minutes

疫情令香港人減少外出及與人接觸,與此同時,人們更注重健康風險,對保險需求有增無減。在想買保險但又不欲與保險經紀或代理面對面會見的情況下,究竟有甚麼折衷方法?

1. 「買保險不求人」 簡單產品網上投保

其實現時很多保險產品可以自己上網買,包括定期人壽、短期儲蓄保險,以及部份自願醫保及扣稅年金產品等。消費者可以到保險公司網站或App細讀產品細節及保費等資料,再進行投保,過程通常簡單快捷。

雖然有關產品可以網上銷售,但不代表產品結構簡單,條款可以非常複雜,自願醫保就是一個例子。其實投保人可以透過網上保險比較平台,經專業人士例如精算師將產品條款逐一拆解後,準投保人就可以貨比三家,再直接上網買保險。

2. 「產品太複雜要搵人幫」 撳個制搵顧問遙距投保

如果想「搵人幫」,或想購買一些不容許網上銷售、結構複雜的保險產品(包括具有投資成份、屬長期性質等),但又不想見人,又可以怎麼辦呢?

保監局現時容許保險公司以遙距投保(Virtual Onboarding)方式,例如透過Zoom、Team等視像程式,銷售包括投連險在內的所有人壽保險。保監局發言人指出,截至今年2月底,保監局共批出16個遙距投保沙盒申請。根據10Life統計,包括友邦、安盛、中銀人壽、富衛、恒生人壽、年金公司、滙豐人壽、宏利、保誠、永明、萬通、立橋等保險公司及個別銀行都提供遙距投保服務。

不過問題是,消費者未必容易找到優質保險代理解答難題,這時候10Life可以幫忙。在這個版面,消費者可以直接找到數百名保險顧問(代理或經紀)提供協助,不少提供自我簡介增加透明度;用戶更可以透過「5星評級機制」得悉顧問滿意度評分。揀啱後,可以設立視像會議解答疑難。

圖:10Life用戶可以在這個版面即時尋找保險顧問 


3. 特定保障型產品 可以「全渠道銷售」

又有些情況,如果想買一間保險公司產品,但該公司沒有遙距投保服務,又可以怎麼辦?

其實保監局已經開通臨時便利措施,市民可透過非親身銷售渠道,例如網上、電話、郵遞或視像會議等,購買特定保障型保險產品,包括扣稅年金、自願醫保、定期人壽、提供保障而不含高儲蓄成分的保費回贈保單,或無現金價值的可續保保單,有關臨時措施將於今年9月30日截止。

保監局發言人指出,截至今年1月底,共有45,000張保單經由與臨時便利措施有關的非親身銷售渠道售出,總年度化保費為5.7億多元。當中包括6,700張合資格延期年金保單及9,800份自願醫保計劃。

進行視像投保 要做足5大安全措施

最後,以視像會議這些新渠道投保,保監局提醒準投保人要做足安全措施。首先是避免在公眾場所進行,以免個人資料泄漏予第三者。其次,投保人在收到附有視像會議登入連結的電郵後,最好主動聯絡所屬保險公司或中介人,以核實電郵及登入連結的真偽。

第三,登入視像會議前留意免責聲明;第四,投保人雖然有權拒絕紀錄銷售過程,但由於有部份人壽保險保單往往長達數十年,建議投保人接受錄影或錄音,以紀錄整個銷售及投保過程,保障個人及保單受益人的權益。

最後,由於投保人只需一次電子簽署便可完成投保,同時代表投保人已確定並同意全部投保文件內容,故此投保人在進行電子簽署前,必須先清楚檢視所有投保文件。

註:
1.本文由10Life從不同途徑搜集市場資料製作而成,僅供一般參考之用,並沒有考慮任何個人需要及合適性,亦不應被視爲銷售建議。投保前應與持牌保險顧問商討適合自己的保險方案,並以保險公司提供的資料爲準。
2.本文最後更新日期: 2022年3月28日。

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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.

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Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4006
612

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1853
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1349
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1770
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1063
315

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1116
249