China News Service, September 6th. According to the website of the China Banking and Insurance Regulatory Commission on the 6th, recently, some consumers have reported that some insurance sales personnel, in the process of selling insurance products, provide consumers with information that is inconsistent with the actual situation or others in order to improve sales performance. Misunderstood information induces consumers to purchase insurance products, and there are problems such as routine marketing, inducing consumption, and compulsory tying, which infringe upon the legitimate rights and interests of consumers.
To this end, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission issued the fifth risk warning in 2022, reminding consumers to pay attention to preventing misleading behaviors in insurance sales.
According to the reminder, insurance sales misleading means that insurance companies, insurance agencies, and insurance sales personnel violate laws, regulations and relevant regulations in insurance sales business activities, and mislead people about the situation of insurance products through deception, concealment or inducement. publicity or description.
Sales of misleading behavior infringe on consumers' right to know, right to choose, and right to fair trade.
Performance 1: Concealing and confusing product information to mislead consumers.
Deliberately conceal the attributes of insurance products, confuse products with similar insurance responsibilities, or confuse insurance products with other wealth management products, infringing on consumers' right to know.
For example, insurance products are advertised and sold in the name of other financial products such as bank wealth management products, bank deposits, securities investment fund shares, etc.; or the ratio indicators such as dividend rate and settlement interest rate of insurance products are used to compare with other financial products such as bank deposit interest rate and treasury bond interest rate. A simple comparison of yields can mislead consumers and easily lead to claims disputes or surrender disputes.
Performance 2: Hidden tying sales mislead consumers.
In the process of selling insurance products, in order to improve sales performance, individual salespersons mislead consumers to blindly purchase high-insurance products on the grounds of discounts, company regulations, and underwriting policies.
There are also some webpages and APP operation pages, which are bundled and sold in the form of default check, mandatory check, etc., forcing consumers to purchase non-essential products or services, etc., which infringes consumers' right to choose.
Performance 3: Exaggerating insurance liability or promising guaranteed benefits to mislead consumers.
In the process of insurance product marketing, individual salespersons introduced insurance liabilities out of context, evading important points, exaggerating the scope of insurance liabilities, and weakening key information such as insurance liability exemptions.
For example, verbally promising to policyholders that "anything can be compensated", intentionally misinterpreting the coverage to mislead consumers, and burying hidden dangers for consumer claims; or when selling new life insurance products such as participating insurance, investment-linked insurance, universal insurance, etc. Emphasize "high yield" without displaying unfavorable information, promising to guarantee benefits and other false publicity behaviors.
In response to the misleading behavior of insurance sales, the China Banking and Insurance Regulatory Commission has continuously improved the system, strengthened supervision, and cooperated with relevant units to jointly manage and effectively rectify behaviors that break the bottom line of morality and ignore the interests of the masses.
At the same time, the Consumer Insurance Bureau of the China Banking and Insurance Regulatory Commission reminds insurance consumers: when purchasing insurance products, do not blindly follow the trend, do not arbitrarily entrust, do not believe in "agent surrender" and "agent protection", and beware of the risk of misleading sales.
1. Do not blindly follow the trend, confirm the contents of the insurance contract and then apply for insurance
An insurance contract is an agreement between the policyholder and the insurance company to agree on the relationship between insurance rights and obligations.
The coverage provided by insurance products is subject to the insurance liability in the contract clauses. Consumers are advised to carefully understand the underwriting agency, coverage, exclusions, premiums, insurance compensation or payment conditions of the insurance products they intend to purchase according to their own insurance needs. , choose the insurance product that best suits your needs, risk tolerance and economic strength.
Pay attention to prevent confusion, ambiguity, exaggeration of insurance liability and other risks in the marketing process.
In addition, when applying for insurance, whether it is offline or online, you must carefully check the type of insurance before paying, and then apply for insurance after understanding the important terms of the contract.
2. Do not entrust at will, pay attention to protecting the security of personal information
When consumers choose and buy insurance products, do not arbitrarily entrust others to apply for insurance, do not sign authorization at will, and pay attention to keeping important documents, account passwords, verification codes, face recognition and other personal information, and online and offline insurance must be done. I confirm that I will be careful about important links such as signing, authorization, and payment, and ensure that I understand the content of the signed or authorized agreement.
3. Do not believe in "agent surrender" and "agent protection of rights", and choose legal and reasonable ways to protect rights
If you have any objection to insurance products or services, or there is a dispute in the process of purchasing insurance, you should keep relevant evidence, file a complaint with the insurance company in a timely manner, or apply for mediation to an industry mediation organization. sue in court.
Use legal weapons to protect their own rights and interests through normal channels, do not believe in false promises such as "agent rights protection" and "agent surrender", and do not participate in illegal acts that violate contractual agreements, provide false information, and fabricate facts.
(Zhongxin Finance)
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