Virtual Insurance vs Traditional Intermediary: 3 Pros and Cons

Estimated reading time 3 minutes

10Life Team

05 May 2022
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10Life Team

05 May 2022

Estimated reading time 3 minutes

以前投保,只能找保險顧問或中介人(代理或經紀)。不過,自從虛擬保險公司進場及傳統保險公司數碼化後,不少消費者改以網上投保。那麼虛擬保險與傳統顧問銷售有何分別?有甚麼好處和壞處?

虛擬保險優點:方便、審批快、無Hard sell

方便:透過網絡,買家可以隨時隨地投保。即使足不出戶,躺於梳化上,也可以輕鬆買保險。

審批快:如果是購買一些簡單保險產品,核保過程最快可以即日完成。不過在一些特殊情況(例如恒生18萬保障事件),審批可能長達兩星期以上;另外短期儲蓄保險有時亦需2至3日審批。

無Hard sell:自助投保不怕顧問疲勞轟炸,可以慢慢研究,揀選心水產品。

虛擬保險缺點:缺少顧問提供專業意見、產品種類較少、索償靠自己

缺少顧問提供專業意見:傳統銷售時,持牌顧問可以助消費者了解複雜的產品條款、評估個人需要和財務情況,從而了解產品的適合性。反之,虛擬保險的買家則只能自行了解條款,有時容易引起爭議。

產品種類較少:虛擬保險公司主要提供結構簡單的產品,例如定期人壽保險、定期危疾保險等。如果想選擇其他類別的保險,如終身危疾保險,只能經傳統顧問投保。

索償靠自己:虛擬保險產品,索償時需親力親為,不論是填表格和集齊文件,只能找客服提點,沒有顧問代為辦理、幫手執漏。

表:虛擬保險與傳統顧問銷售比較

虛擬保險 傳統顧問銷售
產品類型 結構簡單產品為主
(例如:定期人壽保險、短期儲蓄保險)
不同種類產品
(例如:終身人壽保險、終身危疾保險)
銷售渠道 網上 現場或視像
顧問提供專業意見 不適用 有,助投保人了解產品適合性
顧問銷售佣金 不適用
核保及索償方式 網上處理 可經顧問進行
客戶服務 由客戶跟進 顧問專人跟進

本文概括地介紹兩種銷售方式的差異,不論你選擇那一種,投保前宜對產品特性有一定認識。如想比較產品,歡迎利用10Life《保險解碼器》。此外,若果希望尋找專業持牌顧問幫忙協助投保,亦可以採用「顧問搜尋」功能。

註:本文最後更新日期:2022年4月22日。

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
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Nik, Leung Tsz Kei

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10Life Financial Manager, Insurance Specialist

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Arthur, Law Wing Kai

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Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1852
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Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
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Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
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Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
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Mabel, Siu Sin Wan

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1116
249
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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4002
611

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
1852
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1348
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
1769
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1062
314

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

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