first
It is illegal to represent Hong Kong wealth management products in the Mainland, and it is very likely that the insurance policy will be cancelled. Many intermediary companies promise that customers can buy insurance in Hong Kong without coming to Hong Kong. However, according to the laws of Hong Kong, if they do not come to Hong Kong, provide entry certificates, verify or underwrite, the insurance policies purchased in the Mainland are underground insurance policies, which are not recognized by the Hong Kong Insurance Regulatory Commission and are not protected by law.
second
Through the intermediary purchase, the professional financial consultants of Hong Kong insurance companies can't follow up, the intermediary can't give quick feedback at all, and the follow-up service of the guests can't be guaranteed. Insurance depends on long-term follow-up service. If claims are involved during the period, imagine that if the service personnel are not responsible enough, it will cause huge costs and potential risks to customers! Insurance is for peace of mind and long-term security and follow-up services. More seriously, there are a large number of these companies, and customers don't know enough about these intermediary companies. Who will be responsible if there is poor management and bankruptcy? The insurance policies purchased by customers are equivalent to orphan policies, and no one will take over and ignore the property interests of customers.
third
Some intermediary companies even attract customers by offering kickbacks to create discounts in an attempt to confuse customers. In fact, there is no follow-up service cost for intermediary companies, and the final loss is the customer, who loses legal protection and faces the risk of property loss for long-term follow-up service!
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Another difference
The insurance agent represents the insurance company, and the contract is a simple relationship between them.
1. Insured = you
2. Agent = insurance company
The Basic Law of Insurance Companies stipulates that if an insurance agent leaves his post, the insurance policy will be followed up by the direct manager. In other words, as long as there is an insurance company, there must be someone who will serve your policy for life. If you are not satisfied with this agent, you can ask the insurance company to change it. Switch to something you like. And the insurance law stipulates that insurance companies will not go bankrupt.
And the third-party intermediary in the mainland, the contractual relationship has become the relationship between the four.
Who is it?
Insured = you
Third-party intermediaries in the Mainland
Insurance brokers in Hong Kong
insurance company
First of all, this mainland third-party intermediary you know doesn't have his signature on any documents.
The contract documents are signed by the applicant, the Hong Kong broker and the insurance company.
Do you know what contradiction is?
This third-party intermediary in the mainland is not limited by any contractual terms. What services you need in the future may or may not serve you. It depends on your friendship. If you have friendship, please think about it. He is an industry risk that cannot be exposed. It is illegal to sell Hong Kong insurance in the Mainland. Similar to the recent government crackdown on mainland third-party intermediaries selling overseas insurance policies. Sweep the whole industry. A good friend of Bian Xiao lurks in a third-party intermediary group. After the big move of the CIRC, the originally lively group suddenly broke up and the whole group was dissolved. Just to avoid suspicion.
What's more, the irrelevant person in this contract document has become n occupations when you need him in the future.
Brokers in Hong Kong can, first of all, close down and apply for bankruptcy in the case of poor management of brokerage companies.
Secondly, the third-party intermediaries in the mainland took most of the commissions. Do you think the brokers in Hong Kong will serve you wholeheartedly?
Moreover, the brokerage company does not have any rules and regulations to restrict the broker's resignation, and who will track the service of the policy. Don't!
When you insured, the smoking premium was 65,438+00% higher. Later, you quit smoking. Who can you call to cancel this expensive 10%?
When you were insured, you were in poor health, and there were things like price increases or uninsured.
Then you strengthened your physical exercise. My health has improved. Who can I ask to help you apply for cancellation or appeal?
Looking for a third-party intermediary in the mainland?
Sorry, he only knows about buying and serving, but he doesn't understand.
The worst thing is that you are obviously in poor health. He didn't know how to make a statement for you when you were insured.
Whether the claims can be settled smoothly in the future is a big problem.
A broker in Hong Kong? Sorry, I'm just responsible for signing. I only get the basic salary. Please find a third-party intermediary in the Mainland to pay the premium.
In case of an accident, can you go directly to the insurance company? Yes! This is of course reliable.
The hotline has been calling for half an hour, but I can't get through. Even if it is connected, I don't know how to ask questions.
If it is a standard big event claim, find a hotline or something to answer your questions.
What if it is an irregular activity? What about the events that can be appealed? What about events that can be handled as appropriate?
Where can I find the claim form?
How can a doctor write a certificate to make claims more smooth?
Where do I need to sign? Where is the doctor's signature?
Does the doctor only sign? Do you need the official seal of the hospital? What information do you need? Who can you ask these questions?
The agent of an insurance company is the person who has the greatest contact with the insurance company.
Do you choose a man in the middle or a man in the middle?
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.