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上半年内地客狂扫100亿香港保单

来源: 南方日报网络版     时间: 2019年10月20日 01:19:35
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(本)(报)(记)(者)(朱)(丽)(娜)(香)(港)(报)(道)(
  由)(于)(本)(地)(保)(险)(市)(场)(日)(趋)(饱)(和)(,内)(地)(访)(客)(已)(经)(成)(为)(香)(港)(地)(区)(各)(大)(保)(险)(公)(司)(争)(相)(抢)(夺)(的)(一)(块)(“大)(肥)(肉)(”。  香)(港)(保)(险)(业)(监)(理)(处)((下)(称)(“保)(监)(处)(”)最)(新)(公)(布)(的)(数)(据)(显)(示)(,今)(年)(上)(半)(年)(Qg地)(游)(客)(在)(香)(港)(投)(保)(的)(新)(造)(保)(单)(保)(费)(累)(计)(101亿)(港)(元)(,占)(同)(期)(个)(人)(业)(务)(总)(新)(造)(保)(单)(保)(费)(的)(18.4%。即)(香)(港)(保)(险)(市)(场)(每)(卖)(出)(100港)(元)(的)(新)(单)(,就)(有)(18.4港)(元)(的)(贡)(献)(来)(自)(内)(地)(投)(保)(人)(。  记)(者)(翻)(查)(资)(料)(显)(示)(,近)(四)(年)(,内)(地)(客)(户)(到)(香)(港)(投)(保)(的)(新)(单)(保)(费)(年)(均)(增)(幅)(高)(达)(50%,去)(年)(内)(地)(保)(费)(规)(模)(已)(达)(149亿)(港)(元)(,占)(全)(港)(新)(单)(总)(保)(费)(16.1%,而)(2010年)(这)(一)(比)(例)(仅)(为)(7.5%,规)(模)(为)(44亿)(港)(元)(。  内)(地)(人)(投)(保)(保)(费)(较)(高)(  “这)(些)(大)(额)(保)(单)(的)(客)(户)(投)(保)(的)(主)(要)(目)(的)(之)(一)(就)(是)(为)(了)(转)(移)(资)(产)(,目)(前)(内)(地)(反)(腐)(运)(动)(愈)(演)(愈)(烈)(,他)(们)(很)(多)(人)(担)(心)(国)(内)(的)(政)(治)(风)(险)(太)(高)(,财)(产)(随)(时)(面)(临)(风)(险)(。”某)(法)(资)(保)(险)(公)(司)(理)(财)(顾)(问)(告)(诉)(记)(者)(。  “目)(前)(内)(地)(富)(裕)(阶)(层)(主)(要)(购)(买)(的)(是)(一)(些)(大)(额)(寿)(险)(,主)(要)(为)(保)(全)(资)(产)(和)(财)(富)(传)(承)(的)(目)(的)(,一)(般)(的)(中)(产)(家)(庭)(则)(会)(考)(虑)(医)(疗)(、重)(大)(疾)(病)(险)(,主)(要)(是)(因)(为)(香)(港)(保)(单)(一)(般)(所)(涵)(盖)(的)(疾)(病)(种)(类)(比)(内)(地)(更)(为)(全)(面)(。”她)(透)(露)(。  她)(所)(在)(的)(分)(部)(办)(事)(处)(位)(于)(香)(港)(最)(繁)(华)(的)(铜)(锣)(湾)(时)(代)(广)(场)(,寸)(土)(寸)(金)(。她)(透)(露)(,目)(前)(她)(们)(分)(部)(的)(保)(险)(代)(理)(清)(一)(色)(都)(是)(内)(地)(来)(港)(人)(士)(。  “一)(般)(的)(香)(港)(家)(庭)(保)(单)(一)(年)(保)(费)(也)(就)(两)(三)(万)(港)(元)(,而)(很)(多)(内)(地)(过)(来)(的)(单)(子)(年)(交)(保)(费)(都)(是)(几)(十)(万)(。”她)(坦)(言)(。  同)(时)(,香)(港)(保)(监)(处)(数)(据)(显)(示)(,2013年)(向)(内)(地)(居)(民)(发)(出)(的)(新)(增)(保)(单)(中)(,整)(付)(保)(费)(的)(人)(寿)(及)(年)(金)(保)(单)(988件)(,保)(费)(累)(计)(34.88亿)(港)(元)(,也)(就)(意)(味)(着)(,内)(地)(访)(客)(购)(买)(的)(人)(寿)(及)(年)(金)(新)(单)(件)(均)(保)(费)(高)(达)(353万)(港)(元)(。  上)(述)(法)(资)(保)(险)(代)(理)(透)(露)(,今)(年)(以)(来)(不)(时)(有)(内)(地)(客)(人)(年)(缴)(上)(百)(万)(的)(大)(单)(,有)(些)(寿)(险)(的)(保)(额)(甚)(至)(动)(辄)(过)(千)(万)(港)(元)(。去)(年)(该)(公)(司)(铜)(锣)(湾)(分)(部)(近)(7亿)(港)(元)(的)(新)(增)(保)(单)(中)(95%以)(上)(都)(是)(内)(地)(客)(户)(,该)(分)(部)(今)(年)(9月)(的)(保)(单)(目)(标)(高)(达)(8500万)(港)(元)(。  虽)(然)(内)(地)(人)(士)(对)(香)(港)(保)(单)(的)(性)(价)(比)(十)(分)(青)(睐)(,但)(在)(购)(买)(过)(程)(中)(需)(要)(注)(意)(一)(些)(“隐)(形)(差)(异)(”。  “一)(般)(来)(说)(,内)(地)(访)(客)(在)(香)(港)(签)(署)(的)(人)(寿)(和)(医)(疗)(类)(保)(单)(基)(本)(条)(款)(与)(香)(港)(居)(民)(大)(致)(相)(同)(,而)(一)(些)(重)(疾)(险)(的)(保)(费)(则)(有)(一)(定)(的)(差)(异)(,某)(些)(重)(疾)(险)(保)(单)(内)(地)(人)(购)(买)(的)(保)(费)(比)(香)(港)(居)(民)(高)(出)(25%甚)(至)(一)(半)(。”某)(美)(资)(资)(深)(保)(险)(经)(纪)(告)(诉)(21世)(纪)(经)(济)(报)(道)(记)(者)(。  她)(举)(例)(,以)(一)(份)(保)(额)(为)(15万)(美)(元)(的)(缴)(费)(期)(为)(18年)(的)(人)(寿)(附)(加)(重)(疾)(险)(为)(例)(,30岁)(非)(吸)(烟)(的)(女)(性)(内)(地)(投)(保)(人)(的)(年)(缴)(保)(费)(为)(3273美)(元)(,而)(同)(等)(条)(件)(的)(香)(港)(居)(民)(的)(年)(缴)(保)(费)(则)(为)(3063美)(元)(,内)(地)(投)(保)(者)(的)(保)(费)(比)(香)(港)(居)(民)(高)(出)(6.86%。  “这)(主)(要)(是)(考)(虑)(到)(投)(保)(人)(居)(住)(地)(不)(在)(香)(港)(,相)(对)(的)(风)(险)(性)(较)(高)(,所)(以)(保)(费)(也)(会)(相)(应)(增)(加)(。”上)(述)(保)(险)(经)(纪)(表)(示)(。  此)(外)(,据)(21世)(纪)(经)(济)(报)(道)(记)(者)(了)(解)(,个)(别)(保)(险)(公)(司)(对)(内)(地)(投)(保)(人)(和)(香)(港)(居)(民)(投)(保)(人)(的)(疾)(病)(保)(障)(范)(围)(也)(有)(所)(差)(别)(。例)(如)(英)(国)(保)(诚)(在)(某)(份)(保)(单)(中)(明)(确)(表)(示)(对)(自)(闭)(症)(和)(严)(重)(精)(神)(病)(的)(保)(障)(不)(涵)(盖)(内)(地)(投)(保)(人)(。  理)(赔)(纠)(纷)(时)(有)(发)(生)(  “香)(港)(的)(保)(险)(理)(赔)(程)(序)(通)(常)(比)(较)(正)(规)(,一)(般)(在)(递)(交)(齐)(全)(的)(资)(料)(以)(后)(,一)(切)(正)(常)(的)(话)(,在)(8-15个)(工)(作)(日)(完)(成)(理)(赔)(。”某)(资)(深)(保)(险)(业)(人)(士)(向)(记)(者)(透)(露)(。  以)(重)(疾)(险)(理)(赔)(为)(例)(,被)(保)(险)(人)(需)(要)(填)(写)(赔)(偿)(申)(请)(表)(,并)(由)(被)(保)(险)(人)(的)(诊)(治)(医)(生)(填)(写)(相)(关)(疾)(病)(的)(医)(生)(报)(告)(,以)(及)(相)(关)(疾)(病)(的)(病)(理)(报)(告)(和)(其)(他)(相)(关)(检)(验)(报)(告)(等)(。此)(外)(,保)(险)(公)(司)(可)(能)(会)(要)(求)(被)(保)(险)(人)(进)(行)(体)(检)(,相)(关)(费)(用)(则)(由)(保)(险)(公)(司)(承)(担)(。  “香)(港)(保)(险)(公)(司)(提)(供)(的)(保)(单)(中)(列)(出)(的)(疾)(病)(种)(类)(并)(无)(统)(一)(定)(义)(,各)(个)(保)(险)(公)(司)(会)(在)(保)(单)(合)(同)(中)(明)(确)(定)(义)(保)(障)(疾)(病)(范)(围)(和)(疾)(病)(的)(具)(体)(定)(义)(。只)(要)(是)(经)(由)(香)(港)(官)(方)(认)(可)(的)(医)(生)(出)(具)(的)(诊)(治)(报)(告)(认)(定)(被)(保)(人)(患)(有)(此)(疾)(病)(,以)(及)(该)(保)(险)(公)(司)(认)(可)(的)(部)(分)(国)(内)(医)(院)(的)(医)(生)(提)(供)(的)(诊)(治)(报)(告)(,保)(险)(公)(司)(就)(会)(进)(行)(理)(赔)(。”上)(述)(人)(士)(表)(示)(。  以)(友)(邦)(香)(港)(为)(例)(,截)(至)(今)(年)(3月)(14日)(,该)(保)(险)(公)(司)(认)(可)(1466家)(内)(地)(医)(院)(,内)(地)(人)(士)(于)(本)(公)(司)(投)(保)(任)(何)(住)(院)(、住)(院)(现)(金)(、残)(废)(及)(危)(疾)(保)(障)(时)(,均)(需)(在)(上)(述)(指)(定)(医)(院)(进)(行)(住)(院)(、诊)(断)(、治)(疗)(及)((/或)()手)(术)(。  随)(着)(内)(地)(人)(士)(赴)(港)(购)(买)(保)(险)(热)(潮)(的)(兴)(起)(,因)(理)(赔)(产)(生)(的)(纠)(纷)(也)(时)(有)(发)(生)(。“一)(般)(索)(偿)(投)(诉)(可)(以)(分)(三)(个)(步)(骤)(,首)(先)(向)(保)(险)(公)(司)(进)(行)(内)(部)(投)(诉)(,在)(接)(到)(保)(险)(公)(司)(最)(终)(赔)(偿)(决)(定)(后)(仍)(不)(满)(意)(,则)(可)(以)(考)(虑)(先)(向)(保)(险)(索)(偿)(投)(诉)(局)(进)(行)(投)(诉)(,最)(后)(再)(考)(虑)(聘)(请)(律)(师)(进)(行)(法)(律)(诉)(讼)(。”该)(人)(士)(表)(示)(。  保)(险)(索)(偿)(投)(诉)(局)((下)(称)(“投)(诉)(局)(”)委)(员)(会)(自)(去)(年)(五)(月)(起)(接)(受)(非)(香)(港)(本)(地)(居)(民)(就)(保)(险)(索)(偿)(的)(投)(诉)(,提)(供)(免)(费)(渠)(道)(。  该)(委)(员)(会)(主)(席)(徐)(福)(荣)(曾)(透)(露)(,截)(至)(今)(年)(3月)(,委)(员)(会)(共)(接)(获)(5宗)(内)(地)(投)(保)(人)(投)(诉)(,其)(中)(两)(宗)(表)(证)(不)(成)(立)(,另)(有)(两)(宗)(超)(出)(索)(偿)(范)(畴)(,尚)(余)(一)(宗)(涉)(及)(住)(院)(保)(险)(的)(投)(诉)(仍)(在)(调)(查)(中)(。目)(前)(投)(诉)(局)(可)(裁)(决)(的)(索)(偿)(纠)(纷)(限)(额)(为)(80万)(港)(元)(。  如)(果)(内)(地)(投)(保)(人)(选)(择)(向)(投)(诉)(局)(进)(行)(投)(诉)(,销)(售)(涉)(案)(保)(单)(的)(保)(险)(公)(司)(须)(属)(投)(诉)(局)(会)(员)(,涉)(案)(保)(单)(属)(个)(人)(保)(险)(类)(别)(,投)(诉)(人)(为)(保)(单)(持)(有)(人)(/受)(益)(人)(/合)(法)(索)(偿)(人)(,而)(且)(涉)(案)(保)(险)(公)(司)(已)(对)(索)(偿)(申)(请)(作)(出)(最)(终)(赔)(偿)(决)(定)(。此)(外)(,投)(诉)(人)(必)(须)(于)(接)(获)(保)(险)(公)(司)(最)(终)(赔)(偿)(决)(定)(的)(六)(个)(月)(内)(向)(投)(诉)(局)(作)(出)(书)(面)(投)(诉)(。  另)(外)(,索)(偿)(纠)(纷)(并)(不)(涉)(及)(工)(业)(、商)(业)(或)(第)(三)(者)(保)(险)(,并)(且)(索)(偿)(案)(件)(并)(非)(正)(在)(进)(行)(法)(律)(程)(序)(或)(仲)(裁)(。如)(果)(被)(保)(人)(持)(有)(多)(份)(保)(单)(,而)(要)(求)(赔)(偿)(的)(原)(因)(相)(同)(或)(类)(同)(,则)(索)(偿)(总)(额)(以)(不)(超)(过)(80万)(港)(元)(为)(限)(;如)(果)(索)(偿)(涉)(及)(长)(期)(和)(定)(期)(赔)(偿)(,则)(合)(计)(五)(年)(的)(索)(偿)(总)(额)(不)(得)(超)(过)(80万)(港)(元)(。
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