近日有網上傳言，指緊急法/反蒙面法會導致全港保單失效！
香港保險業聯會的會員涵蓋香港絕大部份的保險公司。以下是其 2019-10-08發出的新聞稿：
實施《緊急情況規例條例》對保單效力並無影響。保單為商業合約，投保人和保險公司均受保單條款和條件約束。 實施《緊急情況規例條例》並不影響保險合約內的條款和條件，亦不會凌駕保單的效力。 然而，保障範圍因保單而異，須視乎個別保單列明的條款細則及不保事項。如有任何疑問，保單持有人應直接向其保險中介人／保險公司查詢。 https://www.hkfi.org.hk/#!/media-release/480
Hong Kong Federation of Insurers (HKFI) 2019-10-08 press release: Enactmentof the Emergency Regulations Ordinance does not affect the validity ofinsurance policy. Insurance policy is a commercial contract. Both the insuredand insurers are bound by the terms and conditions therein. The enactment ofthe Emergency Regulations Ordinance does not affect the terms and conditionsnor the validity of insurance policies. Insurance coverage, however, variesfrom policy to policy and exclusions may apply under specified circumstances.If in any doubts, policyholders are advised to seek clarifications directlyfrom their insurance intermediaries / insurance companies.
簡而言之，緊急法對保單沒有直接影響，一切索償按保單條款處理。某人或某財產是否受保，需按當時的具體情況與及具體保單條款而定，不能簡單一刀切，一概而論。
