財庫局就設立保單持有人保障計劃展開公眾諮詢
財經事務及庫務局今日(30日)公布有關設立保單持有人保障計劃(保障計劃)建議的諮詢文件,並展開為期三個月的公眾諮詢。
局長許正宇稱,建議設立保障計劃,在保險公司無力償債時,向保單持有人提供賠償或確保保險合約可延續承保。保障計劃將在現有的審慎監管制度之上,為保單持有人提供額外的安全網,從而提升保險市場穩定,增強公眾對保險業的信心,並使香港的保險業監管制度進一步與國際標準和最佳做法看齊。
諮詢文件涵蓋了擬議的保障計劃的主要特點,包括保障範圍、賠償水平、徵費機制,以及管治安排。擬議的保障計劃重點有十一項,當中包括透過立法設立保障計劃,並成立法定機構(即保單持有人保障計劃管理委員會)負責監督計劃的運作,保險業監管局則提供行政支援;參與保障計劃的保險公司將須繳付徵費,初期徵費率為適用保費的0.07%;保障計劃將設有賠償限額,歡迎社會各界就三個分別為100萬元、200萬元或400萬元的賠償上限方案提出意見。
財經事務及庫務局發言人稱,歡迎社會各界就諮詢文件內的建議踴躍提出意見。在敲定設立保障計劃的方案時,會充分考慮收到的意見。
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