電話推銷基金保險？

最近收到三個推銷基金保險電話，即係每月供幾百蚊(例: $4xx)，十年後可以拎返 10x12x$4xx既本金，
10年期間有咩意外可以claim返醫藥費/住院費之類，最初兩個電話都係黎自兩間銀行，
心諗銀行代理賣保險都唔出奇，最後都無落搭，但今日居然收到hkbn既同樣產品推銷(小弟係hkbn用戶)，
就覺得應該係保險叫hkbn、銀行做中介人角色，用佢地既客戶群推銷保險，成功就有佣分之類。

但發覺最大問題係所有過程都係電話中進行，包括解釋條款/確認手續，唔需要簽名/驗身，
而當要求有一份hard copy保單睇果陣，佢地就會先叫你確認左，然後先寄返份保單俾你，
呢點正正令我最懷疑既地方。

我想問既係，呢類型式既保險常唔常見(上網搵好似唔多覺)？會唔會好難claim保險？
另一方面hkbn做中介人角色又合唔合法？雖然佢唔係直接銷售保險。

最令人不爽的地方就係hkbn出賣自己個客既資料去搵錢。

Hong Kong Confederation of Insurance Brokers ("CIB")
        Address:        Room 3407, AIA Tower, 183 Electric Road, Fortress Hill, Hong Kong
        Telephone No.:        2882 9943
        Facsimile No.:        2890 2137
        Email:        info@hkcib.org

hkbn 打過幾次俾我，問咗我同意先駁線俾保險公司 sell 嘢，
保險公司唔會知我電話號碼，只知道我我姓什麼和我是 hkbn 的客戶~

上次 hkbn 打來再轉駁的保險公司係外國嘅公司，剛進軍香港市場的，
佢仲講咪自己叫咩名，我上 google 就搵到~

我個人覺得上述推銷手法好好多，唔似以前 d 唔知咩公司，唔知點解知道你電話同姓乜

至於樓主的頭兩個來電，我認為應該唔關 hkbn 事，反而可能同你用開的電話公司或者銀行有關多 d~
我有同事觀察到他轉台開始，就多了很多 sell 保險同 sell 借錢的來電啊~

說到 Claim 保險，電話 sell 的，都係唔及有個經紀同你處理咁方便嘅......
我自己有好多份保險，電話 sell 的同經紀 sell 的比例，一半一半啦~

電話 sell - hardly anybody to follow you up...... not a good idea.
經紀 sell - better, but still, I'd prefer to have someone very, very reliable to look after my policy. I wouldn't mind paying more. Some agents are very good. If you need to be referred to certain clinics, they can have you too.

有好多份保險 - not a very good idea my friend. Although you can be double / triple / quatrible covered but as you get older you'll find out a lot of the coverage does not back you up as much when u get a certain types of critical illnesses.

i suggest you to speak to the most reliable insurance agent(s), two is better than one, and show all the policies that you have and analysis how much you are covered and have a worst case scenario done up and see how you can maximise you coverage rather than money down the drain.  But if you have done all that,  just ignore my words. ;)

早幾日我又係好似樓主咁收到呢類投資產品既 calling , 不過係銀行果邊直接打比我

如果大家到推銷電話，不防上"廣告電話黑名單"找找是否電話騙案~

原帖由 AD18 於 2010-5-22 03:04 發表
早幾日我又係好似樓主咁收到呢類投資產品既 calling , 不過係銀行果邊直接打比我

其實就算係銀行打來SELL投資產品,都已經觸犯左COLD CALL既未經投權造訪之條例,可以直接向保監和証監會投訴

之前我收過最怪既電話推銷係八達通打黎，仲要一日打幾次