管理保單，不應如此繁瑣Managing Policies Shouldn't Be Hard
面對厚重的保單合約，您是否也遇到以下難題？Facing piles of contracts, do you also encounter these problems?
分散難管理Scattered Info
🔴 現狀：記不住多組密碼，紙本合約佔位又難找。🔴 Reality: Forgot passwords; paper contracts take space.
每人平均持有 3-5 張保單，分散在不同公司。查找資料往往需要登入多個 App 或翻箱倒櫃。Avg 3-5 policies per person. Finding info means multiple logins or digging through boxes.
家人互不清楚Family Silos
🟠 擔憂：萬一發生意外，家人知道該找誰處理嗎？🟠 Worry: Does your family know who to contact?
最親近的家人，往往不清楚彼此買了什麼。一旦發生變故，可能因資訊不透明而錯失理賠。Closest family members often don't know what others bought. Lack of transparency risks missed claims.
無人跟進的擔憂No Follow-up
⚪️ 風險：忙碌中忘記繳費，導致珍貴的保障意外失效。⚪️ Risk: Policy lapse due to missed payments.
顧問離職後，保單變成「孤兒單」？沒人提醒繳費，也沒人解釋條款細節。Advisor left, leaving you with an "Orphan Policy"? No payment reminders, no one to explain terms.
駕馭複雜市場，掌握家庭財富Master Your Wealth in a Complex Market
身在保險意識極高的香港，保險已是生活必需品。但隨著保單數量增加，管理也變得越來越具挑戰性。Living in HK where insurance awareness is high, protection is a necessity. But as policies accumulate, management becomes a challenge.
香港保險滲透率全球第一 (17-20%)。這意味著您和身邊的人，都非常重視風險管理。HK has the world's highest insurance penetration (17-20%). Risk management is a top priority here.
資料來源: Swiss Re Sigma / 香港保監局 (IA)Source: Swiss Re Sigma / HK Insurance Authority (IA)
亞洲之首。平均每人每年投入約 HK$70,000 為未來籌謀，這是一筆值得妥善管理的資產。Highest in Asia. Investing ~HK$70k annually makes it an asset worth managing well.
資料來源: Swiss Re SigmaSource: Swiss Re Sigma
全港保單數量遠超人口總數。平均每人手持多份合約，紙本堆積如山，查找不易。Active policies far exceed the total population. Paperwork piles up, making it hard to find info.
資料來源: 香港保監局 (IA)Source: HK Insurance Authority (IA)
您的家庭擁有多少保單？How Many Policies Do You Have?
從個人到家庭，保單數量往往比您想像中更多，管理難度也隨之倍增。From individuals to families, the number of policies is often higher than you think.
數據背後的現實：風險與安全網Reality Behind Data: Risks & Safety Net
🕯️生老病死的現實Life's Reality
每年約有 5 萬個家庭經歷成員離世。最遺憾的往往不是沒有保險，而是家屬不知道保單存在，導致無法索償。~50k families face loss annually. The tragedy often isn't lack of insurance, but families unaware of policies, leaving benefits unclaimed.
雖然比例較低，但這類死亡往往突如其來且無緩衝期。正因事前毫無預兆，家人間往往缺乏相關溝通，極易因「不知道有買」而錯失理賠。Though rare, these deaths are sudden. Without prior conversation, families are often unaware of existing policies, leaving crucial benefits unclaimed.
☂️強大的社會安全網Safety Net
索償絕非罕見。僅2024年，保險業已支付逾4,000億港元賠償。Claims happen daily. In 2024 alone, over HK$400B was paid out.
InsurVault保富：您的專屬保單管家InsurVault保富: Your Dedicated Policy Manager
InsurVault保富 承諾「零保險推銷」，只專注於協助您與家人記錄保單。InsurVault保富 promises "No Insurance Sales". We exist solely to help you track policies.
一站式管理One-Stop Management
支援不同保險公司的保單及涵蓋7大險種（人壽、危疾及儲蓄等）。Supports policies from different insurers covering 7 major types.
家庭保障全貌Full Family View
透過「My Family」，一家之主能輕鬆切換視角，全家人的保障缺口與到期日一覽無遺。Via "My Family", heads of households can switch views to see the whole family's gaps and expiries.
智能提醒與顧問連結Smart Alerts & Connect
保費及保單到期自動提醒。Magic Link 讓您授權顧問協助整理保單，省時省力。Automated Expiry & Premium Alerts. Magic Link lets advisors help organize your policies effortlessly.
智能平安守護 (Safety Watcher)Smart Safety Watcher
當您無法回應，我們為您發聲Speaking for you when you cannot.
真正的守護，是防患於未然。InsurVault保富 不只幫您管理保單，更主動確認您的安危。若您在設定的時間內未有回應系統的「平安確認」，我們將透過 WhatsApp 自動發送警示通知給您指定的緊急聯絡人（摯愛）。True protection is proactive. InsurVault保富 not only manages your policies but also checks on your safety. If you fail to respond to our "Safety Check", we will automatically alert your designated emergency contacts via WhatsApp.
皆尊享 2026 全年免費 使用「智能平安守護」功能。Download now and enjoy Free Safety Watcher throughout 2026 for all plans.
* 此為 2027 年起之付費增值服務，現在加入即刻鎖定一年安心。* Paid premium feature starting 2027. Lock in one year of peace of mind now.
選擇適合您的方案Choose Your Plan
我們提供靈活的方案，滿足不同人生階段的需求。Flexible plans designed for individuals and families.
* 此為預計定價，最終上線價格可能有所調整。* Indicative pricing. Final launch pricing subject to change.
我們習慣為娛樂買單，那「安心」呢？We pay for entertainment, what about peace of mind?
在香港，我們習慣每個月支付過百元訂閱 Netflix 或 YouTube Premium，為了不錯過最新的精彩時刻。但對於那份守護家人的保障，其實只需更微小的代價。In Hong Kong, we easily spend over $100 monthly on Netflix or YouTube Premium. Yet, securing your family's future costs much less.
Personal 個人版Personal
- 👤個人用戶 (1人)1 User
- 📄管理 < 5 張保單Manage < 5 Policies
- 🔔基本到期提醒Basic Expiry Alerts
- 📊個人保障總覽Personal Dashboard
- 📈保障分析Protection Analysis
- 🎁2026 全年免費：智能平安守護Free Safety Watcher (2026)
Family 家庭版Family
核心家庭首選For Core Families
- 👤4 位家庭成員4 Family Members
- 📄無限保單數量Unlimited Policies
- 🔗Magic Link 連結顧問Magic Link for Agents
- 💬進階 Chatbot 直接聯繫顧問Advanced Chatbot Connect
- 📈匯出報表與保障分析Reports & Protection Analysis
- 🎁2026 全年免費：智能平安守護Free Safety Watcher (2026)
Ultimate 尊尚版Ultimate
跨代保障Intergenerational Protection
- 👤9 位家庭成員9 Family Members
- 📄無限保單數量Unlimited Policies
- 🔗Magic Link 連結顧問Magic Link for Agents
- 💬進階 Chatbot 直接聯繫顧問Advanced Chatbot Connect
- 📈匯出報表與保障分析Reports & Protection Analysis
- 🎁2026 全年免費：智能平安守護Free Safety Watcher (2026)