Make up false information, revulsive policy-holder oneself " lying " bring about rejecting claims, divulge policy-holder privacy, every " flicker " one person is cast guarantee the middleman's fee of high specified number that can earn on 1000 yuan to differ to several yuan... the reporter investigates discovery, a few insurance kind pass circle of small letter fair number, friend to wait from media sell insurance, some has management aptitude far from, some is suspected of that violate compasses sale, harm policy-holder interest badly.
Revulsive policy-holder conceals information to have be suspected of be being managed without card from media
Mr Zhou is in some is famous and safe the associated platform from media Zhang date, bought 4 insurance for oneself and domestic person, cost nearly 10 thousand yuan. When buying, platform staff member says " associate with medical history need not be declared without be in hospital and operation " , because this week of gentleman did not declare associate with medical history. But in oneself by fish rectum cancer hind, insurance company compensate rejects in order to conceal to pay for medical history.
△ pursues / Xinhua News Agency
The policy holder that has similar lot is absent a few. The reporter investigates discovery, safe kind resemble in disorder at present from media great.
Random elephant one: Make up consumer of false information flicker oneself
This year in June, print and distribute of the silver-colored meeting that keep watch " the announcement that publicizes action management from media insurance sale about strengthening " specific provision: To involving insurance policy of product introduction, sale and sale conduct propaganda recommend an activity, should be from media information with company government accurate, branch of branch of forbidden insurance company, insurance intermediary orgnaization and insurance are made up from proper motion of personnel of course of study hair.
But many insurance still make up post a letter to cease by oneself from media, with all sorts of false conduct propaganda flicker consumer buys insurance. Insurance is procuratorial " beautiful jade beautiful jade " in the friend the circle hawks a name to be " restful and healthy · fights cancerous bodyguard 2018 " product, claim " got cancer to still can continue to buy " . But the reporter inquires discovery in net of restful insurance official, this product is set amount to 19 kinds of reasons contracting cancer to be able to bring about insurance company rejecting claims, these crucial information " beautiful jade beautiful jade " however the word was not carried.
Random elephant 2: Revulsive policy-holder " lying "
Date of public of a few famous insurance to market a product revulsive policy-holder hides healthy information. The reporter seeks advice from the name is " Can Doctor Can " advisory division, its say " uric acerbity on the high side need not be used inform " " cystic and polypous question is not big, weigh disease risk to be able to be cast commonly, need not inform " etc.
Jiangsu the lady says, she ever was in insurance public date " snail insurance hospital " seek advice, advisory personnel is casting for her formulate when defending plan, say: "When be sure to before avoiding to mix, be bought, did not inform conflict toward the circumstance of medical history already, cast this protect also need not inform " , revulsive if why she uses system flaw claim for compensation after be or get out of danger.
Advisory Deng Hua tells conduct financial transactions the reporter, if policy-holder did not fulfill health to tell obligation completely, insurance company is met normally rejecting claims, policy-holder will incur is accordingly tremendous loss.
Random elephant 3: Divulge policy-holder privacy
Zhang Mou of clerk of some insurance company, after the father that for Shanghai citizen Ms. Wang dies of illness dealt with manage compensate, as the service this case undertakes conduct propaganda, do sth without authorization encircles the death that released Ms. Wang father to prove to wait for material in the friend, ms. Wang expresses intense dissatisfaction to this.
Random elephant 4: Be suspected of be being managed without card
According to reporter investigation, "Snail insurance hospital " " DR snail is protected " wait for the insurance enrollment from media Zhang date main body, it is Beijing is filled with protect limited company of times information science and technology. The enrollment of this company scope of operations shows wait for software development, public concern, advertisement, did not show have any correlation with insurance. The system of orgnaization of safe and professional intermediary that the reporter maintains inspect to be able to be established in Chinese silver inquires, this company also not amid.
Sign a guarantee slip to earn one year insurance cost " cut leek " set the journey is difficult
Zhu Jun of professor of institute of finance of research center of development of the State Council is unripe think, the confluence of Internet technology and insurance brought form of insurance new job, huge increase is alluring, let a few insurance be become from media " cut leek " seek sudden huge profits " black heart " date.
According to reporter investigation, a few insurance arrive from media drainage platform of insurance company, tripartite, every sell an one portion insurance, can get first years of insurance cost 60% to 80% as commission. If be the sousaphone with numerous vermicelli made from bean starch, commission scale is as high as even 100 percent, namely policy-holder first years of total insurance cost will by from media income bursa in. After this, although scale of commission of same guarantee slip is met year after year is reduced, but want policy-holder add to protect only, gain commission income continuously from media general.
"Empty sky " wait for many insurance to tell a reporter from media operator, to make accrual is normalized, a few sousaphones were formed from " kind leek " to " cut leek " cover a region.
△ data pursues / visual China
Seek advice with sale borderline Shang Buqing clear is cast protect should value aptitude nucleus produce the expected result
Current, relevant section is right be sure kind of superintendency from media Zhang date is strict with each passing day. Allotted in October " Internet insurance business superintends method (rough draft) " ask for an opinion to stalk of grain to make clear a requirement the 24th times: Orgnaization of intermediary of insurance company, insurance builds perfect government to be belonged to from media and place from the canal of media from individual of personnel of course of study control is spent, cast-iron pipe accuses our company and place to belong to insurance to reprint insurance sale to publicize small shop of insurance of information, management individual to wait to be sure from media from personnel of course of study sale action, put an end to appear break the law violate business of insurance of compasses management Internet and undeserved conduct propaganda.
△ data pursues / visual China
The expert expresses, not easy to adding up to compasses sex to supervise from media content implementation. For instance, friend circle transmits an object to close quite, and can install see in group, contain very strong concealment quality. To small letter public date adds in the article buy 2 dimension to although already had certain restriction,be piled up, but it is to seek advice to still be sold after all to its have not have clear boundary line, a few use this kind of ambiguous sex to hit edge ball just about from media.
The personage inside course of study reminds at the same time, consumer preference should have ego to protect consciousness when insurance product and master a few common sense, had better buy in normal government platform, guarantee to pay compensations to alleging all " universal a place difficult of access " should take care all the more. Before buying, still can protect inspect to meet an official to silver net " system of insurance intermediary superintendency information " in, check the qualificatory aptitude of the other side.
