【TVB Drama Decode】No insurance cover after payment? How can consumers protect themselves?

Estimated reading time 3 minutes

10Life Team

13 Feb 2019
blog cover image
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

10Life Team

13 Feb 2019

Estimated reading time 3 minutes

無線劇集《守護神之保險調查》劇情提到,有療養院老人家指自己買了保險,卻在申請手術費理賠時,發現他根本沒有向保險公司投保,矛頭直指保險中介人葉子(徐子珊飾)。經張東(苗僑偉飾)調查後發現,原來是療養院院長欺詐,簽了多份保單卻沒有全數給葉子投保,反而私自收起了大部分保費。那麼,在現實中,大家該如何避免類似事件發生?
 
劇情匪夷所思 療養院院長代為推銷保險?!
院長在療養院內代保險中介人收集保費和保單,再轉交葉子向保險公司處理。在這個情況下,如院長沒有持有保險中介牌照,而向他人推銷保險產品,已屬違反保險業相關規例。
 
此外,葉子作為保險中介人,亦有責任在簽單時,與顧客接觸,以專業、負責任的態度了解客戶的需要,確實投保人真實存在。對於部分險種(如終身危疾)在購買前中介人更需為投保人進行財務評估。
 
預防中介人私吞保費 投保人須知
 
劇中所描述的私吞保費情況並非稀有,根據保險代理登記委員會的資料,有超過三分一的投訴^均涉及保險代理挪用保費或處理保費失當,我們應如何避免?
 
我們在購買保險時,應確保款項不要與中介人的個人款項混集,並保留交費記錄。
 
如透過保險代理(agent)投保,保險代理登記委員會的指引5(見註一)中,有建議較理想的繳交保費方法,包括:
 
  1. 以支票付款,抬頭為保險公司*或
  2. 用信用咭/直接存款/由顧客銀行戶口直接轉賬至保險公司戶口付款
 
*(編按) 如透過經紀公司(broker)投保,抬頭則可能是經紀公司,投保人要查詢經紀公司是否真實存在,可瀏覽香港保險顧問聯會(CIB)、或香港專業保險經紀協會(PIBA)的名冊。
 
由於現金繳費難以追查,並非理想的繳費方法。假如真的要繳付現金,投保人應親身到保險公司的客戶服務中心,或者是指定地點繳交保費,並保留收據。
 
有時候保險中介人會讓客戶簽署信用卡授權書以繳交保費,投保人簽署時應確認抬頭是保險公司。至於使用銀行轉賬繳費時,投保人應核對戶口號碼,確保款項能成功地轉賬至保險公司。
 
以上方法都能有效減少中介人私吞保費。假設核保成功,保險公司接受投保,會向投保人發出通知,並發出正式收據、保單和保單條款,投保人宜保留相關文件作為記錄。如果投保人在繳交保費後兩個星期內仍未收到保險公司的通知,投保人應向保險中介人和保險公司查詢,避免交了保費卻沒有投保的情況。

(註一)香港保險業聯會 《保險代理管理守則》

^引述自香港保險業聯會 《保險代理管理守則》委員會指引5

Disclaimer

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.

If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com .

Compare Mass Market Medical

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

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3978
610

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1849
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
1644
262

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1763
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

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
1114
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.8
1408
211

Have an insurance question? Just ask!

  • Ask a question anytime, anywhere
  • Get response from multiple licensed advisors
  • Simply login with Email
You can choose to direct your question to a specific insurance company before submitting a question.
Please enter all the question field.
Sorry, the question was failed to send.
The question was successfully sent.
ExamplesHow to choose saving insurance?Do I need life insurance?What products cover unknown pre-existing conditions?
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

Further Readings

blog cover image
Cancer Medical Insurance Comparison
27 Jun 2022
blog cover image
Comparing Home Insurance 2022
24 Jun 2022
Comparing Term and Whole Life Critical Illness Insurance 2022
Comparing Term and Whole Life Critical Illness Insurance 2022
24 Jun 2022
Critical Illness
blog cover image
What Is Medical Financing and What You Need to Know
22 Jun 2022
Mass Market Medical
High-end Medical
Confirm to leave?

Compare Mass Market Medical

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

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3978
610

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1849
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
1644
262

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1763
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

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
1114
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.8
1408
211
×
Ask Questions
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
Advisor Replies
Your question has been sent to licensed advisors.
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
My Advisors
No record with advisors.
Please sign up or login. No contact information needed, instant contact with advisors!
Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3978
610

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1849
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
1644
262

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1763
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

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
1114
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.8
1408
211

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details please read our Cookie Policy.