水自流 » Tan Kin Lian

Tan Kin Lian: 现金返还保险计划 – Oct 28, 2009

水自流 — Thu, 29 Oct 2009 02:29:20 +0000

写在前面，下面的中文请忽略。关于是否要买这种保险，上个周六在ZH家听他提到一下，原话大概是这样的：如果超过十年就继续供着，否则的话是亏本。未来两天会将他的“提纲”贴出来以嗜读者。

原文：现金返还保险计划 (Cash back insurance policy)
作者：Tan Kin Lian
翻译：玖伍贰柒
跨度：0.5天

让我来说说为什么现金返还保险计划对保户来说是个鸡肋

现金返还计划是一个基本条款和年返还条款的结合。基本条款是整个生命保单年费年费为5000元，然后25年年底2%的年收益。现金返还条款特点是加了另外的1000元年费然后第二年开始付950元（第一年是没有的）。现金返还条款其实是降低年收益到1.8%。

保险经纪告诉保户他从第二年开始就可以得到返还现金，这使得整个计划很有吸引力。但是经纪并没有解释年收益降低或者因为现金返还的存在而使得年收益减少了。

经纪在6000元年费上赚取佣金（包括付给现金返还计划的年费）。如果分配成本是200%，那么保户就需付12000元的分配，包括现金返还的分配。

为现金返还计划付出更高的保费而相对增加的保费获得减少，这样对保户来说很不划算。但是保户并不知道这类保单的策略。经纪会宣传这是具有“开创性”的保单。

这是翻译得最坑坑洼洼的文章，对大部分的专业术语一头雾水，其中可能将作者的意思拉到千里之外了，费正清都没我厉害。而这篇文章只有短短的几段提纲挈领文字，还是看原文吧：

Cash back insurance policy by Tan Kin Lian

I wish to explain why a cash back insurance policy gives a poor yield to the consumer.

A cash back policy combined a basic policy with an annual refund feature. Let us take a hypothetical case. The basic policy is a whole life policy with an annual premium of $5,000 and a yield at the end of 25 years of 2% per annum. The cash back feature adds an additional premium of $1,000 and pays $950 a year from the 2nd year (i.e. no payment for the first year). The cash back feature reduces the yield to 1.8% per annum.

The agent tells the customer that he is getting a cash back every year (after the first year) and makes it look like a more attractive policy. But the agent does not explain that the yield has reduced or the effect of deduction has increased with the cash back feature.

The agent earns commission on the increased premium of $6,000 (including the premium paid for the cash back feature). If the distribution cost is 200%, the customer will be paying $12,000 in distribution cost, including the cost attributable to the cash back feature.

It does not make sense for the customer to pay a higher premium for the cash back feature and get back less than the increased premium. But the consumer does not know about this structure of the policy. The agent tells the consumer that this is an “innovative policy”.

在这篇文章后面有几个留言可以说是注释。大概有两点：

1. 现金返还是拿回自己的现金，却没有利息。。。如果你没有“坚持”到最后，则会损失一部分资产。这个计划是强制性的，同时保期太长。。。只有保险公司和经纪在赚钱。
2. 。。。人比较难坚持存钱，因此有客户还是很谢谢我让她十年后可以拿到那么多的钱，尽管我从她的保费中赚取了很大一部分。。。T.K.L对取出返还的现金会将本来就低的收益率变得更低，但是如果不提取的话，那么收益率还是会增加少少的。（注：我不知道里面的PS/BI指什么）

Bertie Higgins – Casablanca

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Tan Kin Lian: Buy Motor Insurance Directly – Dec 17, 2007

玖伍贰柒 — Tue, 09 Jun 2009 07:17:04 +0000

原文：自行购买车辆保险 (FAQ: Buy Motor Insurance Directly)
作者：Tan Kin Lian
翻译：玖伍贰柒
跨度：0.5天

常见问题：自行购买车险

这是一些可以少付车险的方法

1. 设置一个车险过期日前两个月的备忘提醒

2. 准备车辆的以下信息：

– 车辆规格（型号，引擎容量*，注册年份，市场价值*）
– 车主信息（年龄，驾驶年龄，职业）
– 保险种类（全保，第三方，第三方和防盗防火）
– 前一年的无赔偿折扣
– 这一年是否有任何索赔？
– 前一年的保费

* 这些数据并不是必须的，因为有些保险公司并不要求这些资料（他们可以通过车辆型号查询出相关信息）

通常情况下，你一般要购买全额保险。如果车龄太老，保险公司只愿意让你购买第三方保险。

3. 找到顶尖的车辆保险公司热线，比如：NTUC Income，AIG，AXA

4. 打电话去咨询报价。询问直接跟他们购买是否有折扣，让他们给出理由如果报价比前一年的高。（他们为了取得保单或许会给你折扣）

5. 打热线电话去测试如果你对他们的索赔服务质量不了解的话（不要等到发生车祸的时候才打热线电话），看看是否很容易有人回答你的问题以及职员的服务态度等等。

6. 在现在的保单过期两个星期前做出决定。

7. 以下是在车辆保险行业“比较积极”的保险公司联系信息：

American Home (AIG), Tel No. 6419 1000 Fax No. 6835 7401 http://www.aig.com.sg/
AXA Insurance, Tel: 6338 7288 Fax: 6338 2522 http://www.axa.com.sg/
China Insurance Tel: 6389 6111 Fax: 6222 1033 http://www.chinainsurance.com.sg/
HSBC Insurance, Tel: 6225 6111Fax : 6732 0743 http://www.hsbc.com.sg/
India International, Tel: 6347 6100 Fax: 6225 7743 / 6224 4174 http://www.iii.com.sg/
Mitsui Sumitomo, Tel: 6220 9644 Fax: 6225 6371 http://www.ms-ins.com.sg/
NTUC Income, Tel No. 6336 3322 Fax No. 6338 1500 http://www.income.com.sg/
Tenet Insurance, Tel: 6221 2211 Fax: 6221 3302 http://www.tenetinsurance.com/
Tokio Marine, Tel: 6221 6111 Fax: 6224 0895 http://www.tokiomarine.com.sg/

原文：

FAQ: Buy Motor Insurance Directly

Here are the tips to pay less for your motor insurance.

1. Put a reminder in your diary two months before the expiry date of your motor insurance policy.

2. Get the following particulars of your motor car:

Particulars of car (model, engine capacity*, year of registration, market value*)
Particulars of owner (age, years of driving experience, occcupation)
Type of cover (comprehensive, third party only, third party with fire and theft)
No-claim discount for past year
Any claims during the current year?
Previous year’s premium

* these data are optional and may not be asked by some insurers (as they can figure them out using your car model).

Normally, you ask for Comprehensive cover. If your car is too old, the insurer may offer Third Party cover only.

3. Get the hotline number of the top motor insurers, e.g. NTUC Income, AIG, AXA

4. Give a call to the hotline and ask for a quote. Ask them if you give you a discount for calling them directly. If they charge a higher premium than for your previous year, ask them why they are charging more. (They may give you a discount to attract your business).

5. If you are not sure about the quality of the claim service, call the claim hotline now (i.e. do not wait until you have an accident) and see if it is easy to get through and if the staff is polite and friendly.

6. Make your decision two weeks before expiry.

7. Contact Details

Here are the contact numbers of the insurance companies that are active in motor insurance.

American Home (AIG), Tel No. 6419 1000 Fax No. 6835 7401 http://www.aig.com.sg/
AXA Insurance, Tel: 6338 7288 Fax: 6338 2522 http://www.axa.com.sg/
China Insurance Tel: 6389 6111 Fax: 6222 1033 http://www.chinainsurance.com.sg/
HSBC Insurance, Tel: 6225 6111Fax : 6732 0743 http://www.hsbc.com.sg/
India International, Tel: 6347 6100 Fax: 6225 7743 / 6224 4174 http://www.iii.com.sg/
Mitsui Sumitomo, Tel: 6220 9644 Fax: 6225 6371 http://www.ms-ins.com.sg/
NTUC Income, Tel No. 6336 3322 Fax No. 6338 1500 http://www.income.com.sg/
Tenet Insurance, Tel: 6221 2211 Fax: 6221 3302 http://www.tenetinsurance.com/
Tokio Marine, Tel: 6221 6111 Fax: 6224 0895 http://www.tokiomarine.com.sg/

发现要将其中的句子用最简单而不会曲解原意翻出来很难，一方面对中文的相关术语不了解，另一方面还好是多花时间提高英语词汇量和翻译技巧吧。

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Tan Kin Lian: Customer Service on Motor Insurance – Sep 22, 2008

水自流 — Mon, 22 Dec 2008 15:43:47 +0000

Bus 45路上的清真寺。坐在公车的第二层，不经意的侧头看到嵌在棉花糖般的清真寺

N久之前就尝试搜索一下关于新加坡车险的信息，因为工作上能够用到。将Tan先生的blog收藏后就没有再来光顾，近段时间才了解要有所发展还是将精力放到现在谋生的方向来。因此，将不定时翻译Tan先生的一些关于车险的文章，当然，这个还没有得到他的许可。暂时先试行翻译一些文章，然后再根据效果进行下一步方案。需要铭记于心的是，千里之行，始于足下；千里之堤，溃于蚁穴。说再多也没有用呀。

About Tan Kin Lian
Former CEO, NTUC Income
“I retired from NTUC Income on 28 February 2007, after completing 30 years as the chief executive. I write this blog to educate the public about insurance, finance and current affairs in Singapore. I invite you to visit my website, www.tankinlian.com. If you wish to post any view on this blog, you need to be a registered user, including OpenID. You can also write to me at kinlian@gmail.com”

关于Tan Kin Lian
NTUC Income前首席执行官
“经过将近30年的执行官生涯后，我自2007年2月28日从NTUC Income退休。我写这个blog的目的是让大众更加了解新加坡的保险、财经以及一些时事。请访问我的网站：www.tankinlian.com。你需要注册在这里发表你的意见，支持OpenID。也欢迎你发邮件到我的邮箱： kinlian@gmail.com。”

原文：车险中的客户服务 (Customer service on Motor Insurance)
作者：Tan Kin Lian
翻译：水自流
跨度：3天

车险中的客户服务
Tan先生，你好，

我的车被一辆沃尔沃撞到后面。首先将车开到IDAC，做了检查后，我将车送到一个在UBI的NTUC授权维修车行进行维修。我刚刚取回车辆，下面是关于这次事情的一些问题：

1）车行帮助我去索赔医疗费用是否是正常的步骤？我去的车行只是简单的叫我将我的医疗费用单交给他们，他们会“代表我”去索赔。
答：一个好的保险公司会帮助你去索赔。但他们愿意选择简单的方式，因此，你需要车行来帮你去索赔。

2）我是否该知道沃尔沃的车主会付给我去的那个车行多少维修费用？我经常听到的就是车行会从保险公司那索赔一大笔钱，而只支付其中的一小部分给我。
答：你只是有权让车行将车维修完好。至于保险公司给车行多少维修费用是另外一回事。

3）我是否也可以索赔受伤造成的误工费/损失费（我右眼被严重撞伤）？可以的话，程序是怎样的？我可以只是交给车行帮我索赔吗？
答：你可以通过发信件直接向保险公司索赔。但是他们赔偿的金额很少。因此，很多车主选择律师来帮忙索赔。可以试试律师。

4）我对索赔的整个过程的不透明性很不满意。以你的经验，是否有一个更好的方法去索赔？
答：为客户提供一个简单有效的方法去索赔由于车祸引起的损失是一个好的保险公司的责任。你该坚持能够从保险公司那里得到高质量的服务和帮助的权利。如果他们不能做到，你可以去投诉他们。请浏览我blog中关于“消费者向MAS投诉”栏目。

注：
1. IDAC是Independent Damage Assessment Centres的简称，可以从GIA的网页上看到IDAC是应运从2002年8月1日生效的新的车险规则而生的。
GIA是The General Insurance Association of Singapore的简称，也就是新加坡的保险业行会。
2. IDAC只是负责车祸的登记，车辆损坏情况的检验。因此就有授权维修中心的产生。
3. 这个案例为第三方索赔(Third Party Claim)，也就是对方负全责。由此产生的所有费用都有对方保险公司负责。一般来说，保险公司可以根据投保车主的保单类型、驾龄、是否车主驾驶以及索赔金额等来决定车主需要支付的‘罚款’，即excess。

原文：

Customer service on Motor Insurance

Hi Mr. Tan

I was involved in a car accident, where a Volvo slammed into the back of my vehicle. I brought my vehicle to IDAC. After inspection, I brought my vehicle to an NTUC authorized workshop in UBI. I have just got my vehicle back. I would like to know:

1) Is it the usual procedure for the workshop to claim my medical expenses? The workshop I went to simply asked me to hand over all my medical bills and they will assist to “claim on my behalf”.
Reply: A good insurance company will assist you to make this claim. But they prefer to have the easy way out. So, you have to depend on the workshop to do it for you.

2) Would I be able to know how much the insurer of the Volvo is liable to pay to the workshop I went to? I have heard stories from my friends that very often, the workshop will get to claim a much larger amount from the insurer and they would only pass a fraction of that money to me.
Reply: You are entitled to have your car repaired to its condition before the accident. How much the insurer pays to the workshop is a separate matter.

3) Am I also able to claim for lost allowance / hardship for the injuries caused to me? (I suffered a badly bruised right eye) What would be the procedure to do this? Can I just leave it to the workshop to claim this for me
Reply: You can make this claim by writing direct to the insurance company. But they tend to give a low amount to the claimant. So, many claimants prefer to engage a lawyer to make the claim. Try the lawyer.

4) I am upset over the transparency of the entire motor insurance claims procedure. In your expertise is there a better way to do this?
Reply: It is the duty of a good insurance company to make it easy for you to claim for your losses. You should insist on a high standard of service and assistance from the insurance company.
If they fail to do so, you should lodge a complaint. Read my blog about “Consumer complaint to MAS”.

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