Chinese net finance and economics on November 22 dispatch now, chinese silver protects inspect to be able to release customer of 6 kinds of common enroach on insurance first case of model of legitimate rights and interests, in order to strengthen consumer risk clew, strengthen social community risk identifying and ego protection ability, rights and interests of consumer of promotion bank insurance device protects consciousness.
Consumer of 6 kinds of common enroach on insurance add up to case of right profit pattern to include: Steam repairs an unit to use gold of insurance of diddle of insurance consumer information, misdirect of marketing of person insurance telephone publicizes a risk, earnings of product of voluntary exaggerated insurance cheats policy-holder to sell behavior, insurance company clerk conceals important information, generation to copy risk clew language, insurance device rejects accept insurance to make strong narrow pass is to violate compasses act, insurance agent is publicized phonily " fry stop " sale.
Beware steam repairs an unit to use gold of insurance of diddle of insurance consumer information
[brief introduction of details of a case] have insurance customer to the silver-colored meeting that keep watch some agency is complained, mirror some garage to use cast protect car to make false compensate proposal, use its Id privately to open bank account, keep danger gold to insurance company diddle. Via checking, should repair a factory to be in complain a person below unwitting circumstance, make up twice early or late by insurance car information of false be or get out of danger, report a case to the security authorities to branch of some property insurance company, be in " requisition of claim for compensation of motor-driven car insurance " on forge insurant to sign, at the same time identity document of insurant of control oneself of arrogate to oneself opens account to be used at collection insurance gold in the bank, cheat gold of danger of be bailed out in all more than yuan 10 thousand. Because relevant steam repairs an unit to make up the behavior of gold of insurance of diddle of information of false be or get out of danger is suspected of insurance accident,commit a crime, the silver-colored meeting that keep watch agency moves this case lawfully send public security office.
[case is analysed] agree according to insurance contract, the insurant that is sure by motor-driven car commonly when claim for compensation submits relevant proof and data to insurance device, insurance device pays reparations to insurant directly. In practice, some insurance consumer are after car happening attaint, because be on guard consciousness is not strong, go to the lavatory for the graph insurant Id, be sure the data hands in the relevant manage compensate such as the card of motor vehicle travel, driver's license that the person drives when producing an accident, insurance policy to build an unit by steam for you claim for compensation. Relevant steam repairs an unit to use the credit of capacity advantage and insurance consumer just about in case, make false assurance accident carry out bilk, enroach on insurance consumer rights and interests, form a harm to insurance market order at the same time.
[superintendency clew] to be on guard illegal element uses gold of insurance of diddle of insurance consumer information, bureau of protection of rights and interests of consumer of the silver-colored meeting that keep watch reminds China consumer should notice the following item when compensate of conduction car manage: It is information of protective individual identity, the important papers such as card of custodial good Id, bank, reduce acting conduction compensate as far as possible. 2 be when needing to entrust other generation to deal with compensate truly, should sign in one's own handwriting entrust accredit book, affirm accredit limits and period of efficacy, do not hand in certificate original easily with other; When offerring certificate photocopy, make clear scope of application, period of efficacy to wait. 3 it is car after manage compensate end a case, inquire manage compensate is recorded in time, check whether frequency of be or get out of danger and reparations amount agree with actual condition. 4 if existence of manage compensate record is unusual,be, seasonable connection insurance device undertakes checking; Once discover relevant personnel uses gold of insurance of diddle of insurance consumer information, should cooperate with insurance device reports a case to the security authorities to public security mechanism, in order to safeguard oneself rights and interests.
Beware misdirect of marketing of person insurance telephone publicizes a risk
[brief introduction of details of a case] superintendency orgnaization is in " bright sword acts " the discovery in special inspection, some person insurance company violates compasses act under main in phone sale process existence: It is exaggerated insurance liability; 2 it is right the law related to insurance Wu, code, policy makes false conduct propaganda; 3 it is right policy-holder conceals the fundamental condition that concerns with insurance contract; 4 it is to violate compasses sale universal insurance product. Be aimed at afore-mentioned problems, superintendency orgnaization fines 700 thousand yuan to this insurance company, give to person of 3 relevant responsibility at the same time warning, penalize a fund aggregate 270 thousand yuan.
[case is analysed] marketing of person insurance telephone develops quickly, it is one of important channel that consumer buys insurance product. In phone sale process, consumer and salesperson undertake communicating through speech, phone salesperson introduces to the circumstance of insurance product, whether does the decision buy insurance product to insurance consumer crucial. " insurance law " regulation, insurance company and its staff member must not cheat policy-holder, insurant in insurance Wu activity or beneficiary beneficiary, must not conceal the fundamental condition that concerns with insurance contract to wait to policy-holder. The person that offset of salesperson of phone of relevant insurance device is expended in case undertakes misdirect is publicized, main action has: Exaggerated insurance liability, if allege insurance product " do not have any avoiding compensate, without any doorsills, how much to spend, how much does the company sign up for to us " ; Make false conduct propaganda to the law related to insurance Wu, code, policy, if allege " superintendency orgnaization already united dispatch, premium rate will want to go up henceforth tone " ; Conceal the fundamental condition that concerns with insurance contract to policy-holder, if conceal,time calculates since hesitation period, during reach policy holder the right that enjoys inside hesitation period, exempt the item of underwriter responsibility, remove ahead of schedule the loss that person insurance contract may produce, person is safe and new-style the uncertainty of interest of product guarantee slip. Behavior of these misdirect conduct propaganda often are had very strong puzzle quality. Some consumer lack are on guard consciousness, the misdirect of salesperson of phone of simple believe what one hears is publicized, suffer thereby revulsive bought the insurance product that does not accord with oneself demand, cause damage of rights and interests.
Insurance superintends a regulation related the basis, the product be confined to that insurance company begins a phone to sell is common model person insurance product, the insurance company that accords with a condition can sell product of insurance of share out bonus person, but cannot sell universal insurance product. Relevant insurance device sells channel to sell the behavior of product of universal a place difficult of access through report in case, disobeyed insurance to superintend a regulation.
[superintendency clew] bureau of protection of rights and interests of consumer of the silver-colored meeting that keep watch reminds China consumer, buy person insurance product through telephone medium of communication, want to notice the following item, be on guard consumptive risk: It is the nature that understands insurance product, superintend a regulation according to insurance, person insurance report sells channel be confined to the sale is average model with product of insurance of share out bonus person. The 2 crucial information that are understanding insurance product, if be sure,liability of product name, insurance, responsibility is absolved, between insurance amount, insurance period, during capture is expended, retreat protect a loss to wait, accomplish know fairly well, in case by misdirect. 3 be after receiving insurance contract, answer to read contract article in time, discovery buys a year by accident period of product of above person insurance, can be inside hesitation period termless remove insurance contract, insurance company is divided deduct do not exceed 10 yuan of cost beyond cost, reimburse total insurance cost; Remove one year period (contain) reach contract of insurance of the following person, insurance device returns the cost of money of insurance policy according to contract agreement. 4 if encounter phone salesperson misdirect to publicize,be, can complain to superintendency orgnaization.
Beware policy-holder of deceit of earnings of product of voluntary exaggerated insurance sells behavior
[brief introduction of details of a case] the silver-colored meeting that keep watch some agency receives insurance consumer to complain, center of insurance of reflective someone body raises a company to be in be suspected of violating to the middle of its sale process compasses. Via checking, discover this center raises a company to be under the existence when selling some share out bonus person to be sure to this consumer behavior: It is a salesperson the time-expired interest that Guo Mou weighs this are safe in the phone is about 40 say to be about to stop carry out more, the actual condition with the product is abhorrent. 2 it is policy-holder of some deceit of Liu of personnel of add period service, accrual of exaggerated product share out bonus, when explaining bonus distributes kind, exist to be stated falsely. In addition, return discovery to did not send the other issue such as bonus advice note to policy-holder. Break the law to above violate compasses problem, superintendency orgnaization raises a company to fine 50 thousand yuan to this center, give respectively to salesperson Guo Mou, Liu Mou warning.
[case is analysed] basis " information of safe and new-style product shows person administrative measure " regulation, person is safe and new-style the product is to show insurance of share out bonus, investment connects safe, universal insurance and insurance superintend the other product that the orgnaization holds. Sale person is safe and new-style the product should show the following content adequately to insurance consumer: Inaccuracy decides bonus of future of insurance of share out bonus allocates a level, use the means that increase the specified number to share out bonus among them, ought to the getting condition of bonus of special clew cease; Inaccuracy decides invest concatenate insurance future to invest redound, real yield may appear deficit; Universal insurance assures those who decide to the yield over interest rate is doubtful in lowest, depend on the company manages a case actually.
In afore-mentioned case, guo Mou of insurance company salesperson, Liu Mou cheats policy-holder, earnings of product of voluntary exaggerated insurance, conceal the uncertainty of guarantee slip interest, the person that belongs a model is sure to sell misdirect behavior.
[superintendency clew] bureau of protection of rights and interests of consumer of the silver-colored meeting that keep watch reminds China consumer: It is function of safeguard of proper understanding insurance. Insurance is measure of a kind of risk management, insurance product is main the function is to provide risk safeguard, person insurance is insurance mark with the person's life or body, give when the insurance accident that in insurant happening insurance contract agrees pay insurance gold. 2 it is not to get tall news revulsive. Some salespersons are in promote person when safe and new-style product, existence with the history higher yield undertakes exposure, acceptance assures the sale misdirect behavior such as accrual. Consumer should raise vigilance, reason treats a sale to recommend action, establish scientific insurance to consume a concept, understand insurance contract provision seriously.
Beware insurance company clerk conceals important information, generation to copy risk clew language
[brief introduction of details of a case] the silver-colored meeting that keep watch some agency receives insurance consumer Li Mou to complain: Say its are in company of some birthday risk the clerk bought an annuity to be sure below Introduction Huang Mou (share out bonus) product, huang Mou exaggerates in the acceptance in selling a process accrual, not right the cost of money in clauses, retreat protect the serious content such as the loss to undertake explanatory, guide Li Mou to reply to whole issue when accepting insurance company pay a return visit " be " , and acting policy-holder Li Mou excerptioned the risk hints language. Via checking, huang Mou generation excerptions problem of risk clew ana is belonged to solid, superintendency orgnaization took superintendency talk step to this company. Although Li Mou does not approbate what insurance company offers to cast the lot that keep a book word and evidence of recording of phone pay a return visit, but because oneself does not master evidence or strong clew, the other problem that its reflect checks real difficulty bigger.
[case is analysed] to promote person insurance Wu health develops, protect the legitimate rights and interests of insurance consumer, basis " exposure of information of safe and new-style product manages person method " relevant provision, insurance company is sure to individual sale person of new-style product, should excerption by policy-holder in insurance application risk clew statement signs. To a year period the new-style product of above should build system of pay a return visit, it is inside hesitation period complete pay a return visit to policy-holder.
In afore-mentioned case, existence of Huang Mou of insurance company clerk conceals a contract important information, generation copies the problem such as risk clew statement. In addition, policy-holder did not realize statement of scribal risk clew and the sense that accept pay a return visit of insurance company phone adequately, it is the revulsive and simple make a gesture to give the impression of doing sth according to Huang Mou only, when discovering self interest damage wants dimension to counterpoise later, although do not approbate what insurance company offers to cast,protect bookmark word and evidence of recording of phone pay a return visit, oneself does not master evidence or strong clew however.
[superintendency clew] bureau of protection of rights and interests of consumer of the silver-colored meeting that keep watch reminds China consumer: It is to affirm good contract is important information signs again. Insurance consumer should reason treats a sale to recommend action, in scribal risk clew is reached sign before affirming read contract article carefully, evaluate a product to whether accord with oneself demand and risk to bear seriously ability, do not sign blindly affirm, should not make other acting sign more. 2 it is to approach insurance company pay a return visit seriously. System of pay a return visit supervises and urge not only insurance company fulfills information to disclose obligation, also conduce to solidify key selling a process, so that produce dispute hind,find out a fact. Insurance consumer should answer question of pay a return visit according to actual condition, if do not understand look of clauses photograph inside Shanghaiguan to wait, want to seek advice in time to insurance company, do not reply blindly " clear " , " clear " , " know " etc.
Insurance device rejects accept insurance to make strong narrow pass is to violate compasses act
[brief introduction of details of a case] the silver-colored meeting that keep watch some agency receives consumer to complain, mirror branch of some property insurance company to reject compulsory insurance of liability of accident of traffic of accept insurance motor vehicle (the following abbreviation hands in strong danger) . Via checking, existence of this insurance device is nonlocal license plate with complaining person autocycle and the company does not have only evidence temporarily for, reject accept insurance to complain person autocycle to make the conduct of strong danger. Be aimed at afore-mentioned problems, superintendency orgnaization fines 50 thousand yuan to relevant insurance device.
[case is analysed] our country implements system of compulsory insurance of liability of accident of motor vehicle traffic, win compensation in time to safeguarding victim of accident of motor vehicle traffic, safety of stimulative road transportation has main effect. " byelaw of compulsory insurance of liability of accident of motor vehicle traffic " regulation, in me the everybody of the motor vehicle of the travel on churchyard road perhaps manages a person, ought to according to " law of safety of transportation of road of People's Republic of China " the regulation is cast protect make strong narrow pass; Policy-holder is joining the insurance company that when protecting, ought to choose to be engaged in making strong danger professional work, the insurance company that is chosen must not reject protracted perhaps accept insurance. In practice, a few insurance device make strong danger sheet with doing not have for card, or set is unreasonable limitative condition, refuse or autocycle of protracted accept insurance, agricultural motor vehicle makes strong narrow pass. After some motor vehicle everybody or administrative person refuse in insurance device or protracted accept insurance makes strong narrow pass, not seasonable report, solve a problem, bring about motor vehicle to was not cast by the regulation protect make strong narrow pass, can be punished on one hand by the administration of management department of transportation of public security mechanism, on the other hand motor vehicle will lose corresponding insurance safeguard, produce traffic postaccident to assume damages responsibility by motor vehicle everybody or administrative person. Relevant insurance device rejects accept insurance autocycle to make the conduct of strong danger in case, damaged consumer to close right increase.
[superintendency clew] bureau of protection of rights and interests of consumer of the silver-colored meeting that keep watch reminds China consumer: Making strong narrow pass is compulsory insurance, the everybody of motor vehicle or administrative person should be cast in time protect make strong narrow pass. If encounter,protracted accept insurance makes the conduct such as strong danger, consumer can carry the channel report such as phone of insurance device customer service, or complain to superintendency orgnaization, because be cast not in time,avoid to protect hand in strong danger to cause a loss, close right increase in order to safeguard oneself.
Beware insurance agent is publicized phonily " fry stop " sale
[brief introduction of details of a case] the silver-colored meeting that keep watch some agency is in " bright sword acts " the discovery in special inspection, some is in forces of representative of insurance of some person insurance company its are released in circle of small letter friend " buy return still model healthy insurance is final opportunity " , " major disease premium rate is adjusted " etc " fry stop " information, with " be about to stop carry out " notional misdirect consumer, be suspected of false conduct propaganda.
[case is analysed] basis " behavior of misdirect of person insurance sale is maintained how-to " , the personnel of conduction insurance marketing does not get pair of law related to insurance Wu, code, policy to make false conduct propaganda; Must not have be about to stop with insurance product undertake propagandist selling for carry out, did not stop the beguiling action such as carry out actually. In addition, although insurance company decides to assign area disuse clauses and premium rate in the ministry, basis " clauses of person insurance company and measure of premium rate government " regulation, insurance company also must not undertake publicize and selling misdirect with disuse clauses and premium rate.
In afore-mentioned case, ma Mou serves as insurance agent, with " fry stop " wait for sale strategy to begin insurance Wu to belong to violate compasses act. Component of person insurance product is common model, share out bonus, all-purpose model, investment is concatenate model etc, "Return still model healthy danger " state this kind not accurate. Ma Mou is used " return still model healthy danger " the characteristic that states promiscuous and healthy insurance and action, solid for false conduct propaganda, misdirect consumer.
[superintendency clew] bureau of protection of rights and interests of consumer of the silver-colored meeting that keep watch reminds China consumer: It is consumer when buying insurance, ought to read clauses carefully, follow suit not blindly actuation consumption, choose according to oneself demand reason. 2 it is to raise a risk to be on guard consciousness, hearsay of not credulous network, relevant policy information should be released with official channel to allow. If have doubt, seek advice in time to relevant insurance device through official channel or mirror to superintendency branch, lest cause needless loss.
