Insurance and Risk managementCase StudyDraft 保险案例分析及大陆与香港保险差异分析Glossary of Terms and Abbreviations1The amount of indemnity--CASE491 2Insurable Interest---CASE517 3延展讨论-香港保险与内地保险12Section1The amount of indemnity--CASE49Draft The insured's private car was seriously damaged at a traffic accident.The insurer's loss adjuster declared it to be beyond economic repairs and indicated that the pre-accident market value of the car was in the range of HK$155,000to HK$160,000.The insured disagreed with the assessment from the insurer's side and produced different estimations of the value of the damaged car by another loss adjuster and a car dealer which disclosed that the pre-accident market value of the car was approximately HK$180,000.The Complaints Panel weighed all conflicting evidence and finally requested the insurer to increase the settlement to HK$180,000.Case 49Section 1–The amount of indemnity --CASE 49Draft Section1–The amount of indemnity--CASE49保险赔偿金额赔偿金额定义：根据赔偿原则规定，保险公司赔偿予保单持有人的责任只限于投保人所损失财物之市值，因此，若投保人财务之价值于损失时因某种原因而贬值，保险公司只根据“赔偿基础”支付保单持有人财务之折旧价值。
Draft Section1–The amount of indemnity--CASE49案例分析---保险赔偿金额投保人汽车严重损毁----视汽车发生“全损”保险公司理赔师指定该车辆市值：15.5万—16.0万港币另外理赔师和车辆代理估价：18.0万港币Draft Section1–The amount of indemnity--CASE49案例分析----保险赔偿金额分析得出，投保人投保金额和汽车市值是关键，存在几种情况：1.如果投保人投保金额＜汽车市值，一旦发生全损，保险公司根据投保金额进行赔付；2.如果投保人投保金额＝汽车市值，一旦发生全损，保险公司根据汽车市值（投保金额）赔付给投保人；3.如果投保人投保金额＞汽车市值，一旦发生全损，保险公司根据汽车市值赔付给投保人。
Draft Section1–The amount of indemnity--CASE49案例分析---保险赔偿金额根据案例提供的信息，我们认为投保人在投保时所设定的金额就是保险公司理赔师所设定的车辆意外前的市值，既15.5万—16万，因此保险金额就是以上数值，那么汽车发生全损后，汽车市值发生贬值如果低于投保金额，则保险公司会按照汽车市值进行赔偿，汽车市值如果高于投保金额，则保险公司会按照投保金额15.5万—16万进行赔偿。
因此在案例中，投保人要求保险公司增加赔偿额到18万港币，是不合理的。
备注：如果在为车辆购买保险时，投保人觉得保险公司所设定的保险金额明显低于汽车市值，那么投保人可以选择别家保险公司进行投保，或是叫第三方公正机构开出评估证书来确保投保人的投保利益。
Section2Insurable Interest---CASE51Draft Section2–Insurable Interest---CASE51Case51The insured's vehicle was found stolen.The loss adjuster's investigation revealed that the insured was only the registered owner of the vehicle,but not the actual beneficial owner.In fact,the vehicle was bought by the insured's friend,who was unable to obtain insurance coverage due to his involvement in an accident resulting in third party bodily injury which occurred two years ago.In order to assist him to obtain insurance coverage,the vehicle was registered under the name of the insured.The insurer considered that the insured had no insurable interest on the vehicle.It refused to honour the theft claim and was of the view that the insurance contract should be void ab initio. Though the Complaints Panel considered that the insured,being the registered owner of the vehicle, would have an insurable interest on the vehicle,it fully appreciated the fact that the insurer would almost definitely have declined the policy application from the real owner and user of the vehicle.In view of the significant difference in the hazard associated with the insured and the real beneficial owner of the vehicle,the Complaints Panel concluded that there was a material misrepresentation. The Complaints Panel thus supported the insurer to decline the claim.Draft Section2–Insurable Interest---CASE51案例分析----可保利益可保利益(Insurable Interest)：是指投保人或被保险人得因保险标的损坏（或丧失）或因责任的产生而遭受经济上的损失；因保险标的的安全或免于责任而受益。
如果投保人或被保险人对保险标的存在上述经济上的利害关系，则具有可保利益。
如果投保人或被保险人没有这种经济上的利害关系，则对保险标的没有可保利益。
可保利益具备的两个条件:A.可保利益应当是一种经济利益B.可保利益应当是法律上或衡平法上的利益*引自百度Draft Section2–Insurable Interest---CASE51案例分析----可保利益汽车被盗被保人是登记车主，而非真正的收益车主车主由于两年前发生一宗车祸导致无法取得保险保障被保人协助车主购买保险Draft Section2–Insurable Interest---CASE51案例分析----可保利益根据案例提供的信息，我们分析认为被保人与被保车辆没有可保利益，认同保险公司所做出的拒绝赔偿的决定，原因如下：1.被保人与投保车辆并无经济利益关系，车辆是被保人的朋友，也既是车主购买的，而被保人并没有花费任何费用来支付车款，因此被保人对该辆车没有经济利益；2.如果该辆车是被保人长期向朋友租借的，或长期占有，被保人对车辆有安全保护责任，或是与朋友有车辆租赁合同，这样被保人对该车辆就有可保经济利益，那保险公司就应该赔偿给被保人，但从案例来看，并非此种情况，因此还是界定保险公司无需赔偿。
Section3延展讨论-香港保险与内地保险Draft香港保险与内地保险的区别Section 3–延展讨论-香港保险与内地保险香港保险保费率低保额高保证金回报较高免缴遗产税医疗保障全面危急保障项目多离岸投资理赔规范化行业监管严谨Draft 香港保险与内地保险的区别Section3–延展讨论-香港保险与内地保险香港保险内地保险•严进宽出；•香港保险针对全球市场，小小的香港目前有100多家保险公司；•保费相对于内地保险同类产品，约60%-70%•理赔速度3-10个工作日•重疾险保障范围较广，其中部分产品已经包含了早期疾病•保险销售人员素质普遍较高，保险的成交是被保险人真实意识到自身的需要而缴纳；•购买较为麻烦，需要本人到香港进行签单缴纳保费，以后逐年保费可以在香港银行开户进行扣缴•宽进严出；•内地保险仅针对国内市场；•保费相对较贵•理赔•重疾险保障范围相对较少•保险销售人员普遍没有那么高，很多保险的成交是因为亲戚、朋友关系帮忙；•购买较为简易，内地很多地区都可以方便签单购买Draft购买香港大额保单与购买房产投资回报率对比Section 3–延展讨论-香港保险与内地保险-1000.000.001000.002000.003000.004000.005000.0020132014201520162017201820192020202120222023202420252026202720282029203020312032203320342035203620372038203920402041204220432044204520462047204820492050205120522053205420552056205720582059206020612062206320642065房价+房租保额房价保单价值保单价值扣除融资成本谢谢大家！。