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Insurance Digital Onboarding > Virtual onboarding via video conferences with intermediaries > Application process

Virtual onboarding via video conferences with intermediaries

Application process

Application means and channels

  • An intermediary can conduct a non-face-to-face meeting with you via the designated video conferencing tools of the insurer to analyse your financial needs and go through the insurance procedure with you. You and the intermediary do not need to meet in person.

Application process

Before taking out an insurance policy:
  • The intermediary will send the insurer's dedicated meeting link to you through email or will ask you to log in to the video conferencing system via the official digital platform (such as a mobile application).
  • At the beginning of the video conference, the intermediary will first seek your consent to carry out an end-to-end recording of the entire financial needs analysis, and sales and insurance application for record purposes.
During the general sales and application process:
  • The intermediary will first conduct a financial needs analysis for you via the screen sharing function of the video conference, and then provide appropriate product recommendations, and explain the product details and policy terms.
  • You can view all the insurance documents via the shared screen, or receive and view all the insurance documents through email or the registered personal account on the official digital platform or by logging in to an account with a one-time password issued by the insurer via SMS.
  • During the application process, the intermediary will conduct an identity check by asking you to show proof of identity. If you confirm to take out an insurance policy, you will be asked to make one single electronic signature to confirm all the insurance documents. The insurer will normally provide an online payment channel for you to make instant premium payment.
After taking out an insurance policy:
  • After successfully applying for insurance, the insurer will issue an electronic policy with an electronic signature or send the original policy to the policyholder by post for record purposes.
  • The intermediary will also continue to provide personal after-sales service to the policyholder, including answering any related enquiries, insurance claims, renewals, changes of information, etc.