保監局推進一步措施以便網上購買所有人壽保險產品
因應最新的疫情發展,保監局向所有獲授權的人壽保險公司發出通函,宣佈推出進一步的便利措施,開放以網上渠道分銷所有人壽保險產品,以滿足潛在投保人對各類型保險產品的需求和減低銷售過程中的感染風險。
措施包括容許以非面對面方式來銷售特定保障型保險產品的臨時便利措施延長至2022年9月30日,措施涵蓋的產品範疇和執行細節維持不變。
保監局將容許所有人壽保險產品,包括投資相連壽險計劃產品,透過該局審批的遙距投保沙盒作銷售。所有現行對銷售投連壽險產品的規定仍然生效並必須適當遵守。目前已設有保監局審批的遙距投保沙盒的保險公司,毋須再就擴大使用範圍提交新申請。
此外,所有可以透過臨時便利措施銷售的產品亦可在毋須錄音或錄影的情況下,透過遙距投保沙盒銷售,但在銷售時須向客戶清晰披露產品的重要資料,而相關保單的冷靜期亦須延長至不少於30日。
保監局已設立一條快速通道,以加快處理目前沒有遙距投保沙盒,並希望以視像會議形式銷售人壽保險產品的保險公司的申請。這些保險公司亦可考慮使用由香港保險業聯會於2020年9月設立的共享虛擬銷售平臺。該平臺已獲保監局預先審覈,有助縮短審批相關申請的時間。
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