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出国保险代理注册常见问题

出国保险代理注册常见问题

介绍

出国旅游时购买合适的旅游保险是极其重要的。很多与出国旅游、商务、留学或其它出国活动有关的保险代理商、保险经纪商、旅行社、旅游承办商和留学中介等出国服务机构都希望为他们的客户提供出国健康保险。这些出国服务机构或许已经在代理中国公司的出国保险,或者他们在寻找美国公司的出国保险以增加更多且更适合他们客户的出国保险。

不同的国家拥有不同的商务运作和政府管理,保险代理商需要了解如何代理美国保险公司的出国健康保险。很多保险代理商是线下销售保险,客户直接将保险费用支付给保险代理商,保险代理商之后再将保险费用放置到保险公司的账户中,但是,代理美国的保险是完全不同的。

这些常见问题将帮您回答很多问题。

注册

如何代理出国保险?

  • 首先完成联系我们 部分。
  • 一旦我们收到您的代理申请,我们会将代理出国保险的文件包括保险代理合同发送给您。
  • 您可将完成的文件通过邮寄、传真或扫描后邮件给我们。
  • 您可选择与多个保险公司签约并获得各个保险公司的代理账号。
  • 我们会为您提供为您制作的带有您联系方式和代理账号的网站和URL。
  • 之后您可以轻松的销售保险产品给您的客户。
  • 您将获得保险公司直接支付您的保险佣金。

代理出国保险需要哪些保险执照?

这取决于您所在的国家和您当前的职业。您可联系我们并获得详细的代理要求。

佣金

代理出国保险的佣金是多少呢?

佣金取决于您代理的具体保险公司和保险产品。我们发送给您的代理文件将会包括多款保险产品的相应佣金。

我们本国保险公司支付的佣金比例为40%-50%,您们支付的佣金较低,我为什么要代理您们的保险?

不要仅仅比较佣金的比例。美国公司支付的佣金为美元且保险的费用通常较高,这样即使佣金比例较低但您仍获得更多的佣金。

请注意代理美国居民健康保险的佣金大约是1%-2%,与美国居民健康保险相比,出国保险的佣金比例要高很多。通常,保险公司开始时给您很少的保险佣金,随着您保险销量的增加,保险公司会逐渐提高您的佣金比例。作为领先的保险经纪公司,由于我们的整体业务销量,您通过我们可以立即获得更高的保险佣金。

与支付总保险费用相比,我们可以直接支付减去佣金后的保险费用吗?

不可以。

保险费用是由客户支付而不是由保险代理商支付的,所以客户需要支付总保险费用。

更重要的是,任何保险公司在美国都不得以此方式运营。

支付保险费用

保险费用是以什么货币支付?

美国美元。

客户如何支付保险费用?

最便捷的支付方式是使用信用卡或借记卡直接在线支付。也可以使用个人支票支付但要慢很多。

我的客户持有的是中国的信用卡,中国的信用卡可以支付美元吗?

只要银行卡上带有Visa,MasterCard,American Express或Discover 的信用卡,大多数信用卡可直接支付美元,银行会自动的将美元转换为人民币,客户只需用人民币直接偿还信用卡。

如何处理货币的汇率?

货币的具体汇率以客户的信用卡所属银行为准,我们无法控制。

客户可以使用现金支付吗?

不可以,我们不接受现金。

客户可以先将保险费用支付给我,然后我帮客户购买吗?

可以。客户甚至可以支付给您现金,然后您使用自己的信用卡帮客户购买。

如果我的客户没有信用卡或借记卡怎么办?

他们可以使用其家人或朋友的信用卡支付,或者您可让客户将保险费用先支付给您,之后您可使用您的信用卡帮客户完成保险购买。

如果客户先支付我人民币货币的保险费用,之后我需要我支付给保险公司美元货币的保险费用,如果在支付保险费用时汇率发生变化怎么办呢?

美国的所有保险公司都接受美元货币的保险费用且在购买保险时必须完成支付,所以几乎不存在汇率波动的时间差。 但是如果客户支付您保险费用的时间与您支付给保险公司费用的时间存在很大的时间差,那么您需要和客户处理汇率变化引起的问题。

我当前代理的保险公司允许我一或两个月的赊账,您们允许赊账吗?

如前面所述,不同的国家拥有不同的商务运作和政府管理。中国客户的保险费用或许直接支付给保险代理商,之后保险代理商再支付给保险公司。但是在美国,客户使用信用卡将保险费用直接支付给保险公司,保险费用是根本不通过保险代理商的。在美国,保险公司在收到保险费用后将很快将保险佣金支付给保险代理商。

美国从来没有保险赊账这个概念,无论谁购买保险,保险费用都必须在购买时支付。

客户使用信用卡支付会收到银行的支付账单,当然实际的还款周期由信用卡所属银行决定。

如果客户在购买保险时要求赊账,但是您们又不允许我赊账,那么我总不能自己付钱为客户购买保险吧?

美国的所有保险公司要求在购买保险时支付保险费用,所以,这种情况取决于您和您的客户如何处理。您或许可以允许您的客户赊账,但是我们和与我们合作的保险公司是不允许赊账的。

与支付美元相比,中国客户支付人民币不是更方便吗?为什么客户要购买美国公司的保险呢?

的确是,但是支付美元会保证美国的保险公司迅速的将美元支付给美国的医生或医院,当您在美国受伤或生病时,美元货币的赔付将更为流畅和方便。

如果保险实际费用为$100,但是我想收取$125的费用,您们可以收取客户$125的保险费用,之后将多收的$25作为佣金支付给我吗?

不可以,这样的商业行为是禁止的,客户只需支付保险的实际费用。

在保险公司提供付款通知之前,我们是无法付款的。对于每一份保险,您可以先给我们发送付款通知吗?

保险费用是直接由客户支付而不是由保险代理商支付的。由于出国保险是直接在网上完成支付的,所以不存在付款通知的概念。例如,当您在网上购物时,您只需在网上直接付款即可,卖家不需要先给您发送付款通知。

换句话说,保险的销售和保险费用的支付是自动且同步完成的。

我们对中国的保险公司都非常熟悉,我们为什么要销售美国的保险?

您和客户熟悉的保险公司或许在中国非常有名,但是当您的客户在国外伤病和需要就医时,这些保险公司在美国、加拿大、欧洲和其它国家也可以被医疗机构广泛接受吗?美国的保险公司有很久的历史且在很多国家都可被医生和医院广泛接受。

我对您们的保险公司不熟悉,所以我不信任您们的保险公司。客户是否可以先将保险费用支付给我直至保险结束?之后我再将客户的保险费用支付给保险公司,我只是想确保客户能够得到保险公司的理赔。

请注意,保险公司需要通过客户支付的保险费用来支付客户的理赔和代理商的佣金,如果保险公司没有获得保险费用又将如何支付客户的理赔呢?

请注意保险行业在美国是受严格管理的,保险公司需要迅速的支付符合要求的理赔。

您知道吗?

保险价格受法律约束。

相同保险不会出现不同的价格。

了解更多

为什么选择云舒保®?

相同价格。更优服务。

选择云舒保®有很多优势而没有任何劣势。

了解更多

赴美旅游?

美国的医疗费用非常昂贵。

购买美国的旅游保险并享受您的美国之行。

了解更多

出国旅游?

您的居民保险或许不覆盖境外区域或只提供有限境外保障。

购买包括紧急医疗运送的旅游医疗保险。

了解更多

美国新移民?

您移民美国的前五年不能参加Medicare。

购买新移民医疗保险以弥合无保险缺口。

了解更多

旅游度假?

如果您必须取消您的行程, 您或许将损失您无法退还的行程费用。

购买行程取消保险综合保险以让您的行程无忧无虑。

了解更多

您是到美国交流访学吗?

美国联邦政府要求所有的J签证人员购买符合要求的医疗保险。

购买满足您学校要求的J签证医疗保险。

了解更多

到欧洲旅游?

申根国家要求大多数非美国公民购买申根签证保险。

立即在线购买并立即获得签证保险证明函。

了解更多

每年多次出国?

您无需每次出国都购买出国保险。

为您的出国购买每年多次出国保险。

了解更多

美国留学?

大多数学校要求国际学生购买健康保险。

购买满足大多数学校要求的国际学生健康保险。

了解更多

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

If you have read and agree to the terms of both Notices: California and Cuba, please click the continue button if you wish to complete the application process. Otherwise, please click cancel to abort the application process.

To continue with the application please scroll down to confirm this notice

CALIFORNIA RESIDENTS SPECIAL NOTICE

1. THE INSURANCE POLICY THAT YOU ARE APPLYING TO PURCHASE IS BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY THE STATE OF CALIFORNIA. THESE COMPANIES ARE CALLED "NONADMITTED" OR "SURPLUS LINE" INSURERS.

2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL SOLVENCY REGULATION AND ENFORCEMENT THAT APPLY TO CALIFORNIA LICENSED INSURERS.

3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER BECOMES INSOLVENT AND IS UNABLE TO MAKE PAYMENTS AS PROMISED.

4. THE INSURER SHOULD BE LICENSED EITHER AS A FOREIGN INSURER IN ANOTHER STATE IN THE UNITED STATES OR AS A NON-UNITED STATES (ALIEN) INSURER. YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT, BROKER, OR “SURPLUS LINE” BROKER OR CONTACT THE CALIFORNIA DEPARTMENT OF INSURANCE AT THE FOLLOWING TOLL-FREE TELEPHONE NUMBER 1-800-927-4357. ASK WHETHER OR NOT THE INSURER IS LICENSED AS A FOREIGN OR NON-UNITED STATES (ALIEN) INSURER AND FOR ADDITIONAL INFORMATION ABOUT THE INSURER. YOU MAY ALSO CONTACT THE NAIC’S INTERNET WEB SITE AT WWW.NAIC.ORG.

5. FOREIGN INSURERS SHOULD BE LICENSED BY A STATE IN THE UNITED STATES AND YOU MAY CONTACT THAT STATE’S DEPARTMENT OF INSURANCE TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

6. FOR NON-UNITED STATES (ALIEN) INSURERS, THE INSURER SHOULD BE LICENSED BY A COUNTRY OUTSIDE OF THE UNITED STATES AND SHOULD BE ON THE NAIC’S INTERNATIONAL INSURERS DEPARTMENT (IID) LISTING OF APPROVED NONADMITTED NON-UNITED STATES INSURERS. ASK YOUR AGENT, BROKER, OR “SURPLUS LINE” BROKER TO OBTAIN MORE INFORMATION ABOUT THAT INSURER.

7. CALIFORNIA MAINTAINS A LIST OF APPROVED SURPLUS LINE INSURERS. ASK YOUR AGENT OR BROKER IF THE INSURER IS ON THAT LIST, OR VIEW THAT LIST AT THE INTERNET WEB SITE OF THE CALIFORNIA DEPARTMENT OF INSURANCE: www.insurance.ca.gov.

8. IF YOU, AS THE APPLICANT, REQUIRED THAT THE INSURANCE POLICY YOU HAVE PURCHASED BE BOUND IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE UNTIL AFTER COVERAGE BECAME EFFECTIVE, YOU HAVE THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY BROKER’S FEE CHARGED FOR THIS INSURANCE WILL BE RETURNED TO YOU.

07/11
LSW1146D

If you have read and agreed to the terms of this notice and wish to continue, please click the continue button. Otherwise, please click cancel to abort the application process.

Cuba Notice

Travel to Cuba remains subject to restrictions imposed by U.S. sanctions, administered by the US Treasury. Only those who qualify for travel authorized under US Treasury's regulations and who comply with the terms of such authorization can legally travel to Cuba. Individuals traveling to Cuba must meet the following criteria in order to qualify for travel authorized under one of the general licenses outlined below:

Criteria for travel authorized by the US Treasury

I certify that I have read the above and that all individuals applying for coverage qualify for travel authorized under one of the general licenses per US Treasury regulations.

Reset Application

Pressing “CONFIRM” will reset the whole application and erase all the data previously entered.

If you have already saved this application, you will still be able to retrieve the application with the information previously entered. Details for retrieval would have been given at the time of saving, which can be done any time after the initial quote.