新規定儲蓄類保險產品須標明「保險」字眼 首階段明年1月起生效
保監局與金管局發出聯合通函,要求所有具儲蓄功能的保險產品都必需要包括「保險」字眼,不論產品在指南或任何銷售資料上有無使用儲蓄字眼或類似的描述。要求首階段於明年1月起生效,適用於新推出的產品,而現有的相關產品,若會在2027年1月或以後繼續銷售,亦須於2027年1月起符合有關要求。保險公司須確保所有相關保單文件,包括銷售資料及與保單持有人的溝通,都需要作出相應的修改。
通函指,當局留意到目前在港銷售的某些保險產品,其性質可能令潛在保單持有人有所混淆,特別是具有儲蓄特點的保險產品,因缺乏清晰標示為保險保單,可能令人誤會為銀行存款,結果可能會導致保單持有人投訴。
為確保具有儲蓄特點的保險產品能清楚準確地描述,保監局與金管局認為必須就此類產品的命名設定監管預期。目的是在銷售時以至整個保單周期,確保產品的特點能清楚準確地傳達予潛在保單人。而投資相連壽險(ILAS)及合資格延期年金保單(QDAP)因普遍被意識到是保險產品,故豁免有關要求。(ss/da)~
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