Go to Hongkong to buy insurance is a kind of experience – Yang Qianwen Sohu news [Hongkong Insurance Claims Complaints Bureau said, completing the application form, must be exhaustive, accurate disclosure of all information, and shall require a detailed explanation of the meaning of insurance agency problem] in the "Hong Kong" individual life insurance policies have contributed over 20% premium mainland tourists, Xiao Yi (a pseudonym) a family of three has become one of them. It is a one year old child’s mother. Since becoming the "sandwich layer" with "old, small and small", she began to consider the insurance problem of a family of three. In a variety of "mother group" discussion, let her understand that the original to Hongkong to buy insurance policy can also become a choice. Through a friend, Xiao Yi and a Hongkong insurance agent "connected to the head, understand the specific content of the insurance. According to the "First Financial Daily" the reporter, in addition to direct contact with the insurance agent in Hongkong, there are still some mainland companies by Hongkong insurance brokers or agents to cooperate with the mainland licensed, the company responsible for the promotion of customer and provide consulting services, and finally responsible for signing policy with customers in Hongkong insurance company in Hongkong is licensed the insurance broker or agent. Why is it through such a seemingly complex way? Because in accordance with the current provisions, if not authorized, Hongkong insurance agents and insurance brokers can not directly sell insurance in the mainland of Hongkong. Similarly, mainland insurance agents and insurance brokers cannot represent Hongkong insurance policies. As a result, some mainland people who are in need can not easily understand the Hongkong insurance policy, and these companies emerge as the times require. Like the mainland companies themselves, they are not licensed insurance intermediaries in Hongkong, and the curve operation mode is outside the regulation. According to our reporter, there are even some mainland insurance intermediaries and insurance agents also secretly carry out these "Referral" services to meet customer needs, but also to earn "presentation fee."". In fact, in the part of the insured, the key is, based on the effectiveness of the policy, the policy of the applicant and the witness must be signed in Hongkong, Hongkong to get legislation policy; whereas in the mainland insurance, or fill in the proposal, in the mainland to pay the premium, then the sales staff will insure single premium to Hongkong insurance company issuing the policy behavior is illegal, this policy is called underground policy, the effectiveness of the policy is not protected. Hongkong insurance supervision office (hereinafter referred to as "Hongkong Insurance Regulatory Commission") in an interview with our reporter said that in order to protect the rights and interests of mainland policyholders, you can query the qualifications of Hongkong policy sales personnel on the relevant websites. Specifically, the insurance agent in Hongkong can be registered through the official website of the insurance agent registration committee. The insurance brokers in Hongkong may inquire through the Hongkong Professional Insurance Brokers Association, and may also inquire the name of the insurance company in the list of the authorized insurance companies through the website of the Hongkong Insurance Regulatory commission. In some understanding and comparison, Xiao Yi decided to go to Hongkong for a family of three insured critical illness insurance. "Hongkong insurance policy attracted me the biggest advantage is that under the same insurance amount, the premium is cheaper, more comprehensive protection.". In addition to the top three hospitals in the mainland, it also includes medical care.

去香港买保险是怎样一种体验-搜狐新闻  杨倩雯   [香港保险索偿投诉局称,填报投保申请书时,必须巨细无遗,准确无误地披露所有资料,并应要求保险代理详尽解释问题的含义]   在为“港产”个人寿险保单贡献已超20%保费的内地客里,小易(化名)一家三口也成为了其中一分子。   小易是一个一岁孩子的妈妈。自从成为“上有老,下有小”的“夹心层”之后,她开始考虑一家三口的保险问题。在各种“妈妈群”的讨论中,让她了解到原来去香港买保单也可以成为一种选择。   通过朋友介绍,小易与一名香港保险代理人“接上了头”,向其了解险种具体内容。   据《第一财经日报》记者了解,除了与香港保险代理人直接接触外,目前还有一些内地公司通过与持牌的香港保险经纪公司或代理人合作,内地公司负责推介客户并提供咨询服务,而最后负责与客户在香港保险公司内签订保单的则是香港持牌的保险经纪公司或代理人。   为何要通过这样看似复杂的方式?因为按照现行规定,如未获得授权,香港保险业务员和保险经纪人均不可在内地直接销售香港保险。同样,内地的保险业务员与保险经纪人也不能代理香港保单。因此,一些有需求的内地人士无法便捷地了解香港保单,这类公司也就应运而生。像上述的内地公司本身其实并非香港持牌保险中介,其曲线操作方式目前游走在监管之外。   据本报记者了解,甚至有一些内地的保险中介人员和保险代理人也在暗地里进行这些“转介绍”的服务,满足客户需求的同时也可赚取“介绍费”。   事实上,在投保环节,最为关键的是,基于保单的有效性,保单申请人及见证人必须要在香港签署,保单才获得香港法例保障;反之在内地投保,或在内地填写投保书、缴纳保费,再由推销人员将投保单、保费带到香港的保险公司签发保单的行为都是违法的,这样的保单被称为“地下保单”,保单的有效性不受保障。   香港保险业监理处(下称“香港保监处”)曾在接受本报记者采访时表示,为保障内地投保人的权益,可在相关网站上查询香港保单销售人员的资质。具体来说,香港保险代理可通过保险代理登记委员会官网查询,香港保险经纪可通过香港专业保险经纪协会查询,亦可通过香港保监处网站查询获授权保险公司名册内保险公司的名字。   在进行了一些了解和对比后,小易决定前往香港为一家三口投保重疾险。“香港保单吸引我的最大优势是在同样保额下,保费较为便宜,保障也比较全面。而且其医疗除了内地三甲医院外,也包含境外医院,我们之后会有移民考虑,这对于全家来说也是比较重要的一点。另外,由于是疾病确认即一笔赔付,理赔材料只需寄送,也比较方便。”当然,这些也需要与汇率风险、高昂的理赔诉讼风险、前去香港投保的成本等相权衡,再考虑去香港投保是否真正适合自身情况。   “一些普通的险种,尤其是住院医疗等报销类险种不适合在香港购买,因为理赔频次较密就会造成不便。另外,如果投保金额比较小,那相对保费或投资收益差额的绝对值也不会太大,也无需来香港‘折腾’,还是建议在居住地购买。”一名香港保险公司内部人士对本报记者表示。   按照代理人的指示,在提前预约好的日子里,小易夫妻(未成年人可由监护人代为进行投保手续)来到了该保险公司位于香港尖沙咀黄金地段的办公室,小易对本报记者表示,该保险公司办公室装修豪华,且服务温馨。不仅有杂志可以看,免费WiFi可使用,更有免费饮料和小吃提供,服务人员都会说普通话,态度亲切。“我听到的基本都是普通话。”小易表示。   据小易介绍,大致流程是保险经纪先是出示自己的工作证,再了解、核对一下客户资料,让客户填写、核对一系列个人资料、健康状况及签署各种文件。最后保险公司员工来进行见证,证明整个投保过程在香港完成,最后进行付款,总耗时在一个多小时。值得提醒的是,香港保监处要求保险公司须备有内地投保人的入境纪录副本,以证明他们是来港购买保险的,因此在入境香港时须保存好入境记录卡片。   除此,香港保险索偿投诉局表示,填报投保申请书时,必须巨细无遗,准确无误地披露所有资料,并应要求保险代理详尽解释问题的含义;如果投保人怀疑有关资料是否属于重要事实,也应该予以披露。   同时,应亲自检查投保申请书上是否已填报所有资料,因为在申请书上签署即表示同意文件上填报的资料属实。并且详阅保单,清楚了解保险合约的保障范围,尤其是所有不保事项。   根据香港保险索偿投诉局数据,在2014年共接获603宗投诉个案,投诉个案的两大主要类别即为“保单条款的诠释”及“不保事项”。   另外,小易提醒赴港投保人士,如果在健康声明中有一些家族遗传病或者自己曾接受过手术等相关健康情况,除了带上自己和相关直系亲属的病史资料外,还可以带上最近的体检报告以做辅助材料。   但需要注意的是,香港保险公司核保时如觉必要,仍会要求投保人去香港指定诊所进行体检,因此建议投保人可留出足够在港时间来应对突发状况。相关的主题文章:

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