Chinanews.com, December 18th. According to the website of the China Banking and Insurance Regulatory Commission, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission issued on the 18th "Notice on Cases of Infringement of Consumer Rights by Anxin Property Insurance, Easy Insurance Broker, Tianjin Investment Broker, and Bao Duoduo Broker" ( Hereafter referred to as the "Bulletin").
According to the "Notice", the inspection found that the above-mentioned institutions had false propaganda such as "0 yuan in the first month" and "0.1 yuan in the first month" in the promotion and sales of short-term health insurance products (actually, the first month's premium was evenly distributed to the subsequent premiums), or Overcharge of insurance premiums in the first month.
The Consumer Protection Bureau of the China Banking and Insurance Regulatory Commission will deal with it in strict accordance with laws and regulations.
The "Notice" pointed out that in order to implement the people-centered development idea, implement the concept of legal supervision, and effectively protect the legitimate rights and interests of bancassurance consumers, the China Banking and Insurance Regulatory Commission conducted a special inspection of Anxin Property Insurance Co., Ltd. (hereinafter referred to as Anxin Property Insurance) , And based on the inspection clues, against Guangdong Easy Insurance Brokers Co., Ltd. (formerly known as Guangdong Hongguangan Insurance Brokers Co., Ltd., hereinafter referred to as Easy Insurance Brokers), Tianjin Jintou Insurance Brokers Co., Ltd. (hereinafter referred to as Jintou Brokers), Baoduoduo Insurance Brokers Co., Ltd. (hereinafter referred to as Bao Duoduo Broker) carried out an extended inspection.
The inspection found that in the promotion and sales of short-term health insurance products by the above-mentioned institutions, there were false propaganda such as "0 yuan in the first month" and "0.1 yuan in the first month" (actually, the first month's premium was evenly distributed to the subsequent premium), or the premium was overcharged in the first month And other issues.
The aforesaid behavior is suspected of violating the relevant provisions of the "Insurance Law" such as "failure to use approved or filed insurance clauses and premium rates" and "deceive policyholders".
The relevant issues are now notified as follows:
Problem of defrauding policyholders
——Anxin Property Insurance
After investigation, from January to June 2019, when Anxin Property & Casualty Insurance sold "Anxiang Lifetime Premium Edition" products through the official account of Easy Insurance Broker WeChat platform "Ease Insurance Official", the promotional page displayed "0 yuan in the first month" and "limited time special offer" "The first month’s first month’s immediate reduction of $**" and other content actually means that no premium is charged in the first month, and the premiums payable throughout the year are evenly distributed to the next 11 months. Consumers have not received premium discounts.
16879 insurance policies were involved, and the premium income was 3,963,400 yuan.
—— Easy Insurance Broker (third-party network platform is Easy Insurance)
According to investigations, from April to October 2019, when Easy Insurance Brokers sold Zhonghui Property Mutual Insurance’s "Young Insurance·6 Million Medical Insurance" product on the WeChat official account "Ease Insurance Official", the sales page displayed "0.1 in the first month" The contents such as “RMB”, “RMB 3 in the first month” and “Member’s Day Subsidy” actually mean that after deducting the premiums payable for the whole year from the premium of RMB 0.1 or RMB 3 in the first month, the remaining premiums are evenly distributed to the next 11 months. Consumers have not Get premium discounts.
377,489 insurance policies were involved, and the premium income was 51,889,700 yuan.
The above-mentioned propaganda of "limited time special", "member day subsidy" and other methods such as "zero down payment" to give policyholders a discount (exempt or reduce) the premiums payable illusion and induce policyholders to purchase insurance is a false publicity and fraudulent insurance people.
Failure to use approved or filed insurance clauses and insurance rates in accordance with regulations
——Tianjin Investment Broker (the third-party online platform is Jingdong)
According to investigations, from October 2018 to June 2019, when Tianjin Investment Brokers sold Huatai Property Insurance Co., Ltd.'s "Jingying Million Medical Insurance (Benefit Version)" product on the JD Finance APP, the promotional page displayed "1 yuan in the first month" In fact, the remaining premiums due in the first month are allocated to the remaining 11 premiums, involving 16,874 insurance policies, and premium income of 4,177,200 yuan.
From January 2019 to June 2019, when Tianjin Investment Brokers sold Huatai Property Insurance Co., Ltd. "Jingxiang Critical Illness and Minor Disease Insurance (Welfare Edition)" on the JD Finance APP, the promotional page displayed "1 yuan in the first month" and other content. In fact, the remaining premiums payable in the first month are evenly distributed among the remaining 11 premiums, involving 3601 insurance policies and premium income of 307,400 yuan.
——Bao Duo Duo Broker (the third-party network platform is Water Drop)
After investigation, from March 2019 to June 2019, when Baoduoduo Brokers sold Taiping Property Insurance Co., Ltd.'s "Taiping Comprehensive Medical Insurance" products on the WeChat platform official account and the "Water Drop Insurance Mall" APP, the first premium is based on the "first month" "3 yuan" activity, but the product only has a description of "monthly payment (first month insured 0 yuan, the rest paid in 11 installments)" in the terms and rates table reported by the China Banking Regulatory Commission.
The act involved 1,547,267 insurance policies and premiums of RMB 126.8291 million.
The “Notice” stated that the above-mentioned actions of insurance institutions such as Anxin Property Insurance, Easy Insurance Broker, Tianjin Investment Broker, Bao Duoduo Broker, etc., have seriously violated the basic rights of consumers such as the right to know and fair trading, and harmed the legitimate rights and interests of consumers. .
The Consumer Protection Bureau of the China Banking and Insurance Regulatory Commission will deal with it in strict accordance with laws and regulations.
All bancassurance institutions must arouse warnings, conduct self-examination and self-correction around the infringement of consumer rights and interests in marketing, product sales, etc., strictly follow relevant laws, regulations and regulatory provisions, carry out business activities in accordance with laws and regulations, and effectively protect consumers' legality rights and interests.