Wednesday, September 19, 2007

保險過境巴

港股跌極有限,恒指曾低見24,368點,但收市又收復失地,只微降22點至24,576點,成交跌至逾800億元,與近期過千億元成交額比較,好像一日不見了超過200億元成交額,數目非小,究竟是大戶不接貨,還是已經將貨沽得七七八八呢?


不過,內地銀行加息,那些內地保險股如獲至寶般,股價升過不停,中國財險(2328)一日可以升10%!中國人壽(2628)和中國平安保險(2318)則分別升0.1%和3.7%,表現凌厲,但內地存款息率才加0.27厘,就可以令業績大幅增長,支持股價升幅有十級跳嗎?


內地同胞的確有米,買多份保險實有需要,錢夠多,必然要找出路,但不要以為他們獨沽一味,只會集中火力買A股,其實他們也懂甚麼叫分散風險,或者是多元化投資。當然,如果齋買A股,暴發程度早已是以天文數字計,但他們也懂得所謂有升有跌,走單邊的日子何時結束無人知,升到如此程度,自己是否接火棒就真是天曉得,所以買份保險傍身再正常不過。


其實,除了「港股直通車」、「置業直通車」外,「保險過境巴」也極渴市。的確曾經出現「地下保單」情況,即把香港的保單帶入內地簽署,但保單分分鐘不具法律效力,客戶利益或不受保障,所以真正的「保險直通車」難以實現,但最近與保險業界朋友談起,他亦感同身受,原來是安排一團又一團的內地同胞來港簽保單。自從有自由行,出入香港方便到不得了,內地人來港簽字買保單,保險經紀就無問題。不過,內地政府會否准許內地同胞帶錢買保險,及日後可能出現的賠償問題就要「放長雙眼」。


至於這種另類「保險直通車」,對香港保險業界有多大影響?朋友話,內地客可能非經常來港,故樂於一口氣繳付大筆保費,拿出10年或以上保費金額更屬等閒事,當然保險公司亦會讓提早支付大筆保費客戶提供折扣優惠。至於依靠佣金收入的保險經紀,更可以省卻每月分佣,可以一次過拿取保單整筆佣金,怎不雀躍呢!


保險界朋友話,其實除了香港人外,海外人士只要到達香港,無論內地人、英國人、美國人甚至是非洲人也可買保單。不過,保險公司當然也有一套原則,有些國家的公民購買某些保單,可能不會受理,或者要加loading,即提高保費也。聽聞有保險公司不受理來自非洲北部的人士,但南非人士則無任歡迎。至於在亞洲國家中,日本和新加坡客戶當然無限制,但泰國客買保險,就要支付比標準收費略高的金額,而印尼和越南所加保費屬同一等級,加loading加得最多的是北韓也,與東歐和中南美洲的一樣,可見經濟和政治實力對國民的影響何其大。


(9月19日刊於《am730》)

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