Paying Premiums via Insurance Agents?

Estimated reading time 3 minutes

10Life Team

13 May 2022
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10Life Team

13 May 2022

Estimated reading time 3 minutes

不少保險Agent(代理人)與客戶相熟,很多時候會為客戶代交保費,但原來不時會出現問題。根據《持牌保險代理人操守守則》,保險Agent只可在獲保險公司授權下收取保費,並必須嚴格按照其保險公司規定、管控及時限處理,並將保費支付予保險公司。不過,保監局不時接獲相關投訴,更於其《監管通訊》中提出關注,並列舉可能引起的問題。

將保費與個人資金混合、遲交或挪用保費

經Agent向保險公司交保費,Agent可能會將客戶的保費與自己的個人資金混合,例如將保費支付到其個人銀行賬戶中,因而可能導致無法追蹤已支付保費,或未有將其妥善記賬。Agent的資金混合行為,甚至有機會令聯合財富情報組提出打擊洗錢的查詢。

此外,Agent可能會延遲向保險公司支付保費,或又在極端的情況下,Agent可能會挪用保費,並挾帶潛逃。

Agent須按照保險公司的管控及程序處理保費

保監局重申,即使獲保險公司授權,Agent亦只可在該權限的範圍內收取保費,並嚴格按照保險公司的管控及程序處理。另外,Agent不得將已收取的保費與其個人資金混合,並須根據保險公司的管控及規定,備存所收到保費的紀錄。倘未能如此行事,或導致紀律行動。

如Agent對保費收取事宜有疑問,則應謹慎行事,並建議客戶透過保險公司指定的付款方式,直接向保險公司付款。

保險公司或須就其Agent收取保費承擔最終責任

就保險公司的責任 ,保監局提醒保險公司必須仔細考慮是否授權其Agent收取保費。如決定授權,則保險公司必須實施適當的管控及程序,以確保保單持有人向Agent繳付的保費得到妥善保管,尤其是考慮到保險公司作為Agent的主事人,或須就其Agent收取保費承擔最終責任。

再者,保險公司亦應讓保單持有人明確知道Agent收取保費的權限,以及相關限制。如保險公司並無授權Agent收取保費,則應在保費或續保通知書中載明,保費應透過所提供的方法直接支付予保險公司,而不得向Agent支付。保險公司應確保以保單持有人最有可能看到通知的方式,直接向保單持有人發送有關通知。

宜直接向保險公司繳付保費

最後,保監局建議,保單持有人應採用報價單、保費及續保通知書中,所載明的付款方法,直接向保險公司繳付保費。

註:本文最後更新日期: 2022年4月21日。

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10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority 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.  

Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3982
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
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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
1850
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1645
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

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Mabel, Siu Sin Wan

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Edward, Lam Wing Chuen

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AIA Associate Director, Wealth Management and Protection

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249

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