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保聯:宏福苑事故累計已賠逾3億 不論重建方案火險亦會賠償

去年11月大埔宏福苑大火衍生保險索償,香港保險業聯會主席徐志堅表示,除未計火險賠付,保險業界至今年1月已就是次意外賠付逾3億元,險企在事故48小時內已主動聯繫客戶,並簡化理賠程序幫助災民。行政總監劉佩玲補充,主要賠付涉及家居保險,亦有醫療保險、壽險、外傭等賠償,由於保險公司今次迅速處理理賠,預計除樓宇結構保險外已差不多完成相關賠付。

至於20億元火險賠償,劉佩玲指出即使政府向居民購回業權,保險公司也需賠償樓宇重置費用,「政府不會為保險公司慳荷包」,不過火險向誰賠付則要視乎重建方案,若由政府收購業權,火險賠償將交予政府重建,若重址重建則要計算重建費用,以決定賠償金額,而兩者皆不實行則會交給業主立案法團,再分發予住戶。她又透露,宏福苑另為購買維修工程全險和公眾責任險,保額分別為3億元和8000萬元。

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至於事故後會否令進行大維修的大廈,火險和建築險保費上升,保聯一般保險總會主席張健強表示,火險通常於年初續保,未見今年費率因此事故上升,而不少險企續有提供火險,投保不會有特別困難。不過險企核保時會更為審慎,包括要求屋苑若有計劃進行大維修需要通知、了解建築公司過往負責項目、屋苑相關管理公司等。副主席尹玄慧則指火險定價由樓齡、物業管理安排等多個因素影響,保費應不會非常受火災、颱風、暴雨等單一事件影響。

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