中国太保产险深圳分公司发布外籍人士保险消费风险提示CPPIC Shenzhen Branch Issues Risk Alert on Insurance Consumption for Foreign Nationals
随着中国国际化水平持续提升，越来越多外籍人士来华工作、生活。购买车险、家财险、意外险等保险产品，成为许多外籍人士融入本地生活的重要一环。但语言障碍、规则不熟、信息差等因素，也可能使部分外籍人士在投保、理赔、退保环节面临风险。为此，中国太平洋财产保险股份有限公司深圳分公司（简称“中国太保产险深圳分公司”）发布专项风险提示，聚焦典型风险场景，帮助外籍人士增强保险消费安全意识，筑牢风险防线。
As China’s internationalization continues to deepen, more and more foreign nationals are coming to China to work and live. Buying insurance products such as auto insurance, home insurance, and personal accident insurance has become an important part of integrating into local life for many foreign nationals. However, language barriers, unfamiliarity with local rules, and information gaps may also expose some foreign nationals to risks when applying for insurance, making claims, or surrendering policies. To this end, China Pacific Property Insurance Co., Ltd. Shenzhen Branch (CPPIC Shenzhen Branch) issues this special risk alert, focusing on typical risk scenarios to help foreign nationals enhance their insurance consumer safety awareness and strengthen risk prevention and control.
风险场景一：“代办投保”与信息泄露
Risk Scenario 1: “Proxy Insurance Applications” and Information Leakage
外籍人士因语言沟通不便，委托所谓“代办投保”人员处理投保，将护照、居留证件、银行卡信息交给对方，甚至按对方指示将保费转入个人账户。此类行为可能导致资金损失、保单无效或无法理赔，个人信息也可能被用于非法用途。
Due to language barriers, foreign nationals may entrust so-called “proxy insurance application” agents to handle insurance applications, provide their passports, residence permits, and bank card information to such agents, or even transfer premiums to personal accounts as instructed. Such actions may lead to financial loss, void policies, or claims being denied, and personal information may also be used for illegal purposes.
风险场景二：境外驾照与驾驶资格
Risk Scenario 2: Overseas Driver’s Licenses and Driving Eligibility
外籍人士持境外驾驶证，或误以为“国际驾照”可在华直接驾车，未换领中国驾驶证或办理临时入境驾驶许可。中国大陆地区不承认国际驾照。一旦发生交通事故，保险公司可能以“驾驶人无合法驾驶资格”为由主张商业险免赔，事故赔偿压力增大，后续投保、理赔可能受阻。
Foreign nationals may hold overseas driver’s licenses, or mistakenly believe that an “International Driving Permit” (IDP) allows them to drive directly in China, without converting to a Chinese driver’s license or obtaining a temporary entry driving permit. Mainland China does not recognize International Driving Permits. In the event of a traffic accident, the insurer may deny coverage under the commercial insurance policy on the grounds that the driver lacked legal driving eligibility, increasing the burden of accident compensation and potentially hindering future insurance applications and claims.
风险场景三：保险产品适当性风险
Risk Scenario 3: Insurance Product Suitability Risk
外籍人士因语言障碍、对保险市场不熟悉，可能购买与自身风险承受能力、保障需求不匹配的产品；甚至因产品风险等级超出自身承受能力，而承受不必要的资金压力。
Due to language barriers and unfamiliarity with the insurance market, foreign nationals may buy products that do not match their risk-bearing capacity or protection needs; they may even bear unnecessary financial pressure because a product’s risk level exceeds their capacity.
风险场景四：“代理退保”与非法代理理赔黑产
Risk Scenario 4: “Proxy Surrender” and the Illegal Claims Agency Black Market
不法分子以“全额退保”“专业维权”“跨境理赔代办”为名，诱导外籍人士委托其办理退保或理赔，并收取高额费用。此类行为可能导致消费者失去原有保障，并面临个人信息泄露、资金损失和法律风险。
Fraudsters, under the guise of “full refund upon surrender,” “professional rights advocacy,” or “cross-border claims handling services,” induce foreign nationals to entrust them with policy surrender or claims handling and charge high fees. Such actions may cause consumers to lose existing coverage and expose them to the risk of personal information leakage, financial loss, and legal risks.
风险场景五：“跨境保险”宣传陷阱
Risk Scenario 5: Misleading Promotion of “Cross-border Insurance”
不法中介向外籍人士推销“跨境保险”“外籍专属保障”“全球通用保单”等所谓境外保单，即未经中国金融监管部门备案、在境内违规销售的产品，宣称“零风险高回报”“全球理赔”。该类保单不在我国金融监管体系保护范围内，实际可能隐藏高额手续费、严苛地域限制或可能导致无法理赔的条款，发生纠纷时维权难度大，消费者可能面临保费损失和保障落空。
Illegal intermediaries market so-called overseas policies to foreign nationals, such as “cross-border insurance,” “exclusive protection for foreign nationals,” and “globally valid policies”—products not filed with China’s financial regulators and illegally sold within China—while claiming “zero risk, high return” and “global claims settlement.” Such policies are not covered by China’s financial regulatory protection framework. They may in fact conceal high fees, strict territorial restrictions, or clauses that may make claims impossible. In the event of a dispute, it is difficult for them to protect their rights, and consumers may suffer premium losses and end up without coverage.
防范建议
Risk Prevention Recommendations
1. 实名投保，保费缴至对公账户
1. Apply under Your Real Name and Pay Premiums to an Official Corporate Bank Account
使用本人有效护照或外国人永久居留身份证实名投保，保费支付至保险公司官方对公账户。如对方要求转入个人账户、索要验证码或银行卡密码，应高度警惕，并通过保险公司官方客服核实。
Use your valid passport or Foreign Permanent Resident ID Card to apply for insurance under your real name, and pay premiums to the insurer’s official corporate bank account. If the other party asks you to transfer funds to a personal account or requests verification codes or bank card passwords, exercise extreme caution and verify with the insurer’s official customer service.
2. 投保前：确认产品与自身需求匹配
2. Before Applying: Confirm That the Product Matches Your Needs
根据自身职业类别、居住状况、保障需求和风险承受能力选择产品。确认保险责任、免责条款、承保区域、免赔额、等待期、空置期、职业限制等关键内容，可通过保险公司官方客服获取关键条款的翻译协助。
Choose products based on your occupational category, residence status, protection needs, and risk-bearing capacity.. Confirm key terms such as the scope of coverage, exclusions, coverage territory, deductible, waiting period, unoccupied period, and occupational restrictions. You may obtain translation assistance for key terms through the insurer’s official customer service.
3. 投保时：如实履行告知义务
3. When Applying: Fulfill the Duty of Truthful Disclosure
如实告知驾驶资格、职业类别、健康状况、居住地址、房屋用途等与承保相关的重要信息。信息发生变化时，及时联系保险公司办理变更，避免因信息不匹配导致理赔受阻。
Truthfully disclose important underwriting-related information, such as driving qualifications, occupational category, health condition, residential address, and property use. If the information changes, contact the insurer promptly to process the change, so as to avoid hindering claims settlement due to information mismatch.
4. 退保、理赔：通过官方渠道办理
4. Policy Surrender and Claims: Handle Them Through Official Channels
直接联系保险公司官方客服或前往线下官方网点办理退保、理赔，不委托非法第三方，不签署看不懂的授权文件，不支付所谓“手续费”“保证金”。
Contact the insurer’s official customer service directly or visit an official physical branch to handle policy surrender or claims. Do not engage illegal third parties, do not sign authorization documents you do not understand, and do not pay so-called “handling fees” or “deposits.”
5. 核验资质：拒绝未经备案的“跨境保险”
5. Verify Qualifications: Reject Unregistered “Cross-border Insurance”
通过国家金融监督管理总局及其派出机构官方渠道核验机构及销售人员资质，拒绝未经备案的“跨境保险”产品，警惕“保本高息”“全球理赔”等夸大宣传。
Verify the qualifications of institutions and sales personnel through official channels of the National Financial Regulatory Administration and its local offices. Reject unregistered “cross-border insurance” products and be wary of exaggerated claims such as “guaranteed principal and high returns” and “global claims settlement.”
6. 保留证据：及时反映可疑情况
6. Retain Evidence: Report Suspicious Situations Promptly
遇可疑情况，联系保险公司官方客服或向监管部门、警方反映，保留聊天记录、转账凭证、合同等证据，依法维护自身权益。
If you encounter suspicious situations, contact the insurer’s official customer service or report them to regulatory authorities or the police. Retain evidence such as chat records, transfer receipts, and contracts, and safeguard your rights in accordance with the law.
本文仅为风险提示，不构成法律、保险或投资建议。具体保险条款以保险合同为准。
This document is for risk alert purposes only and does not constitute legal, insurance, or investment advice. The specific insurance terms shall be governed by the insurance contract.
通讯员：邓雅华
审核：周盛祥
责任编辑：陈晓曼