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

Estimated reading time 3 minutes
13 Feb 2019
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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

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