- 10.18 / 2019
On October 19, 2019, Yongcheng Insurance celebrated its 15th birthday. Fifteen years ago, with the vigorous development of the national power and energy industry, Yongcheng Insurance came into being in Shanghai Pudong. At the beginning of its establishment, Yongcheng Insurance adhered to the original intention of providing high-quality risk protection for the country, society, and customers, fulfilling its mission of “industrial finance to promote industrial development”, working from scratch and working hard. After 15 years of hard work, it has grown to become The leading brand of risk management in the domestic power and energy industry ranks among the domestic medium-sized property insurance companies. At present, Yongcheng Insurance has branches throughout the country, with more than 50 million customers. It has formed a diversified structure integrating property insurance operations, insurance intermediaries and comprehensive investment, and has grown into a national comprehensive insurance company. As a state-owned holding insurance company, Yongcheng Insurance keeps up with the national development process and strategic needs, always adheres to the overall sense of serving the real economy, industrial upgrading and social livelihood, actively responds to the national “Belt and Road” initiative, and participates in “Healthy China” and “Internet” The construction of "economics" and "people's livelihood projects" will continue to play the role of insurance "social stabilizer" to provide comprehensive risk protection for enterprise production, social management, and people's lives. Focusing on the power sector for 15 years to escort the country's "generators" In 2004, China Huaneng Group's four major power generation groups within the United Nations initiated the establishment of Yongcheng Insurance, whose purpose is to use insurance methods to "enhance the ability of independent energy protection, promote the energy consumption revolution, Optimize energy structure, expand international energy cooperation, and promote innovation in energy technology. " In the past 15 years, with China becoming the country with the largest power generation in the world, Yongcheng Insurance has expanded from serving Huaneng and serving shareholders in the power generation to serving the power generation industry, and serving various upstream and downstream enterprises in the energy field. The vanguard of risk management in the electric energy industry. At present, Yongcheng Insurance accounts for over 30% of the power generation side insurance market, underwrites more than 6,000 types of power generation insurance projects, and the exclusive and chief underwriting power generation projects account for 2/3, ranking first in the industry. Yongcheng Insurance has leading underwriting technologies and underwriting capabilities in the insurance industry in coal-fired power generation, gas turbine power generation, hydropower generation, wind power generation, nuclear power generation, biomass power generation, and tidal power generation; it also provides photovoltaic, solar, and offshore wind power A series of new energy companies that are still in their infancy provide comprehensive risk protection. In the future, Yongcheng Insurance will be based on the power and energy industry, consolidate the industry leader position, establish an insurance business development platform, and realize resource sharing, technology sharing, and business co-insurance. At the same time, it actively develops energy insurance businesses such as coal, oil, and natural gas to achieve further extension and development of core businesses. Responding to the “Belt and Road” escort the overseas road of Chinese-funded enterprises In 2013, the country issued the “Belt and Road” initiative. Yongcheng Insurance responded positively, taking advantage of the global network advantages of the Canadian shareholder Maple Trust Group to provide risk protection for overseas projects of Chinese companies. After 6 years of development, Yongcheng Insurance's international insurance business ranks among the top five in the market. The business has radiated to Australia, the United Kingdom, Pakistan, Singapore, Ghana, Brazil, Cambodia, Belarus, Indonesia, Turkey, Hong Kong and other countries and regions. There are more than 40 basic power projects, and the business scope will be further expanded to Papua New Guinea, Bangladesh, Vietnam and other countries and regions. With the ever-growing overseas business of Yongcheng Insurance, the risk control services provided by Yongcheng Insurance for Chinese companies' overseas projects have been extended to all types of insurance. At present, Yongcheng Insurance has initially established a medical cooperation network covering 190 countries and regions around the world, providing customers with on-site surveys, medical health, on-site clinics, global emergency transshipment and other services, and assists customers in setting up emergency management systems and on-site anti-terrorism Training, etc., to fully protect the safety of state personnel and property. Cooperating with the "Healthy China" strategy to serve the people's livelihood In 2017, the "Healthy China" development strategy stated that "people's health is an important symbol of national prosperity and the country's prosperity, and it is necessary to improve the national health policy and provide a full range of full-cycle health services for the people. Combining rich overseas cooperation experience in the field of health insurance, Yongcheng Insurance has fully established a comprehensive, comprehensive, and complete health insurance product chain covering low, medium, and high-end products, which can meet all-round guarantees for customers' prevention, treatment, and follow-up. demand. As the first domestic insurance company to develop high-end health insurance business, in 2011, Yongcheng Insurance started full cooperation with the British Bupa Group and the United States GBG to deepen the domestic high-end health insurance market and has formed a good market foundation. In order to meet the growing demands of customers for health protection and health management, Yongcheng Insurance has continuously introduced innovative health insurance products for group and individual customers, such as overseas critical medical insurance and international student insurance. In response to the fragmented and personalized health protection needs in specific scenarios, Yongcheng Insurance explored and launched products including pilot, professional athlete disability insurance, dental and ophthalmic medical insurance. In the future, Yongcheng Insurance will strive to build a multi-layered health insurance product and service system, improve customer trust and dependence, serve the people's livelihood, and build a "healthy China." Actively integrated into the era of technology empowerment, in line with the trend of the "Internet +" era, Yongcheng Insurance continued to make efforts in the field of Internet insurance by using "finance + technology". In recent years, Yongcheng Insurance's Internet business has made great progress in product development and sales models. Yongcheng Insurance has launched comprehensive cooperation with Internet industry giants and successfully established comprehensive cooperative relations with Tencent, Qunar, Ctrip, JD. For multi-level needs of users, Yongcheng Insurance has independently developed and introduced high-temperature insurance, visa refusal insurance, personal consumer credit insurance, personal loan credit insurance, flight delay cancellation insurance, mobile phone theft insurance, child loss insurance, account fund security insurance, etc. Innovative products are sought after by the market. At the same time, Yongcheng Insurance has continued to optimize the insurance, payment, and claims processes, gradually realized digital, scientific, online, and intensive management, and fully integrated information technology into sales, service, operations, customer management, and risk control. Field, and strive to create digital Yongcheng. Continuously improving the level of insurance services Since 2018, it has entered a new period of development. Through in-depth research and judgment of the development trend of the insurance market, Yongcheng Insurance has shifted from the traditional product operation to a customer-centric model, and has established a separate, group-based business model. Through the construction of an integrated operation center for group customer sales, operations, and services, we will build a professional, channelized, customized, and distinctive competitiveness, maintain and consolidate existing advantages, and further enhance Yongcheng Insurance's brand influence in the group customer market. force. At the same time, Yongcheng Insurance invested a lot of resources to actively embrace individual customers. Starting from customer needs, we pay more attention to channel cooperation, technological innovation, and support services. We provide personalized services based on the customer's multi-dimensional attributes, and establish a customer-oriented and differentiated operating model to find customers, retain customers, segment customers, Operating customers. In the process of promoting reform, Yongcheng Insurance adhered to the direction of high-quality development, changed the previous business model of auto insurance business, and worked hard to adjust the structure, promote transformation, control costs, improve quality, increase efficiency, and grasp reform. We will maintain the determination of development, adhere to efficiency as the lifeline, vigorously promote the new development strategy, and seek the transformation and development of small and medium property insurance companies. After more than a year of strategic advancement and reform, Yongcheng Insurance gradually changed the predicament of relying on auto insurance business for a long time, and various operating management indicators improved significantly, showing a stable and good development trend. It is called "domestic property insurance market" by the industry. Sample of transformation of small and medium-sized insurance companies. " Don't forget your original intention and keep your mission in mind. The 15-year-old Yongcheng Insurance is flourishing, new routes have been established, and change and transformation are on the way. Yongcheng Insurance will actively implement the great development concept of "innovation, coordination, greenness, openness and sharing", integrate into the new era with a new attitude, new look and new strategy, embrace new technology and promote new development. Adhere to providing our clients with a full range of risk management services, build a modern insurance operation service platform with first-class products, first-class services, first-class management and first-rate benefits, and establish customer-oriented, value-centric, innovation-led, and technology-based Driven professional, international, group insurance companies.
- 04.04 / 2019
The Eighth Inspection Team of the CPC Central Committee held a mobilization meeting for the work of the Party Group of China Huaneng Group Co., Ltd.
According to the central government's unified deployment of inspection work, on the morning of March 28, 2019, the eighth inspection team of the central government visited China Huaneng Group Co., Ltd. to mobilize the work of the party group. Before the meeting, Ning Yanling, the leader of the eighth inspection team of the Central Committee, hosted a meeting with Shu Yinbiao, the party secretary and chairman of China Huaneng Group Co., Ltd., conveyed and learned the spirit of General Secretary Xi Jinping's important inspection tour and informed the relevant work arrangements. . At the meeting, Ning Yanling made a mobilization speech and put forward requirements for doing a good job of inspections. Shu Yinbiao chaired the meeting and made a speech. The deputy leader of the eighth inspection team of the Central Committee and relevant comrades, the relevant comrades of the Central Inspection Office, members of the leadership team of China Huaneng Group Co., Ltd., the old comrades of Huaneng Group Co., Ltd. who have withdrawn from the leadership team in the past three years, the deputy director of the headquarters and above cadres, The leadership team of the direct unit is in the official position, and the leadership team of the second-level unit in Beijing is present at the meeting; the leader of the direct unit is the deputy, the deputy is in the leadership group of the second-level unit in Beijing, the member of the leadership team of the second-level unit outside Beijing, and the member of the grass-roots enterprise leadership group attends the meeting by video conference . Ning Yanling pointed out that state-owned enterprises are an important material and political foundation of socialism with Chinese characteristics, and an important pillar and relying force for our party to govern and rejuvenate the country. The Party Central Committee with Comrade Xi Jinping as the core attaches great importance to the reform and development of state-owned enterprises, makes a series of major decisions and arrangements for deepening the reform of state-owned enterprises, and puts forward clear requirements for strengthening and improving the party building of state-owned enterprises under the new situation. The inspection of China-managed enterprises is to adhere to the party's overall leadership of state-owned enterprises, urge the implementation of "two maintenances", promote the deepening of state-owned enterprise reform, and achieve high-quality development, and promote the state-owned enterprises to strictly administer the party, implement the main responsibility and An important measure to monitor responsibility. China Huaneng Group Co., Ltd.'s party group and leading cadres at all levels must improve their political standing, firmly establish political awareness, overall situation awareness, core awareness, and awareness of alignment, and have a deep understanding of the significance of conducting inspections of China's management enterprises, and consolidate their thinking and actions to The Central Committee of the Party decided to make decisions, strengthen political responsibility and political responsibility, consciously accept supervision, and actively support and cooperate with the work of the Central Inspection Team to jointly complete the inspection tasks assigned by the Central Party. Ning Yanling pointed out that the nature of the inspection is political supervision, and it is a comprehensive supervision and inspection of the party organizations and leading cadres in the management of enterprises in performing their functions and responsibilities. The central inspection team will adhere to the guidance of Xi Jinping's new era of socialist ideas with Chinese characteristics and thoroughly implement the spirit of the 19th National Congress of the CPC and the 2nd and 3rd Plenary Sessions of the 19th Central Committee of the 19th Central Committee for Discipline Inspection, and implement the three plenary sessions of the 19th Central Commission for Discipline Inspection. The general tone of the work, adhere to the center, serve the overall situation, resolutely implement the central inspection work policy, take "two maintenances" as the fundamental task, and follow the overall requirements of "six rounds and one strengthening" and "five continuations" of political inspections to highlight politics. Construction, combining the characteristics and laws of China-managed enterprises, focusing on the party's political responsibility, focusing on strengthening the party's overall leadership over China-managed enterprises, checking the Party's implementation of the party's line, policies, and major central decision-making arrangements, and resolutely eliminating formalism and bureaucracy ; Focus on promoting the comprehensive and strict development of the party and in-depth development, check the implementation of the "two responsibilities" of the party group; center on the implementation of the party's organizational line in the new era, check the party group's implementation of party building responsibilities, strengthen organizational construction and selection of personnel; focus on strengthening rectification Subject responsibility and supervision responsibility, check the implementation of the party's rectification Strengthen the investigation and research on common problems, provide references for improving the system and mechanism, and deepen reforms, and play a strategic role in inspecting both the symptoms and the symptoms. Shu Yinbiao said that the party's central government arranged this round of routine inspections of China Huaneng Group Co., Ltd. to implement the party's line policies and policies and the major decisions of the party's central government, to implement the party's main responsibility and supervision responsibility, and to implement party building. A "political medical examination" of the work responsibility system and the implementation of the rectification of the last round of inspections fully demonstrated the concern and love of the Party Central Committee with Comrade Xi Jinping as the core. The company's party team will resolutely cooperate with the central inspections. The first is to improve the political standing, and to carefully cooperate with the central inspections as a touchstone to test the "four consciousnesses" and "two maintenances". With a high degree of ideological consciousness, political consciousness, and consciousness of action, we greet this important "big test" ". The second is to strengthen the awareness of discipline and rules, fully support and cooperate with the work of the central inspection team, stand on the political level, strictly observe the inspection discipline, and actively accept inspection supervision. Third, resolutely put in place the rectification and resolutely carry forward the main responsibility of the party group, realize immediate changes, implement reforms and comprehensive reforms, and inspect the reforms to promote the comprehensive and strict development of the party. The fourth is to adhere to the "two mistakes and two promotion", while cooperating with the central inspection, and taking the deepening of supply-side structural reform as the main line, closely surrounding the company's "six new enhancements" and "two breakthroughs" overall requirements to promote the company Achieve higher quality, more efficient and more sustainable development. It is reported that the central inspection team will work in China Huaneng Group Co., Ltd. for two and a half months. During the tour, there is a special duty telephone: 010-68104277; a special post office box: Box A04406, Xicheng District, Beijing. The inspection team accepts telephone calls daily: 8: 00-18: 00. The deadline for the inspection team to accept letters and visits is June 10, 2019. According to the regulations of the inspection work, the central inspection team mainly accepts letters and calls reflecting the problems of the leadership of the party group of China Huaneng Group Co., Ltd., its principals, and leaders of important party organizations and leaders of important posts. The focus is on political violations. Reporting and reflection on discipline, organizational discipline, integrity discipline, mass discipline, work discipline and life discipline. Other petition issues that are not within the scope of inspections will be handled by China Huaneng Group Co., Ltd. and related departments according to regulations.
- 03.15 / 2019
Yongcheng Insurance serves the country's “Belt and Road” strategy to build an insurance service platform for Chinese-funded overseas projects
On March 14th, the reinsurance channel roadshow of Chinese corporate investment insurance projects led by Everlasting Insurance was successfully held in Shanghai. Feng Chunfang, Assistant to Everlasting President, Mr. Sam Chan, Director of Everlasting Insurance, President of Fairfax Asia, and International Business Department Relevant personnel from the key customer service department attended the meeting from Fairfax Brazil Insurance Company, Guodian Insurance Brokerage Company, Anglo Changan Insurance Brokerage Company, Haida Insurance Brokerage Company, Sino Insurance Brokerage Company, Shanghai Electric Brokerage Company and AON (China) Relevant leaders of insurance brokerage companies and international business experts were invited to attend the meeting. The roadshow is aimed at exploring a package of solutions for the reinsurance business of Chinese companies investing in Brazil. Exchanges and discussions on the operation process and the problems faced by the reinsurance business of the investment projects in Pakistan by China National Power Investment Group, State Grid, China Merchants Group, China Communications Group, Shanghai Electric Group and other enterprises. As an important business component of Yongcheng Insurance's new strategy, Yongcheng Insurance will actively expand overseas business, build a domestic leading international business team, follow the overseas investment steps of domestic energy giants, and provide our clients with comprehensive and professional risks. Products and guarantee services, implement the Belt and Road Initiative, escort Chinese companies' overseas projects, and protect the safety of state personnel and property. Yongcheng Insurance held a roadshow on the reinsurance channel for Chinese companies investing in Brazil projects, which opened a new chapter in its overseas business development.
- 01.13 / 2019
From January 10 to 11, Yongcheng Insurance held the 2019 National System Working Conference in Shanghai. Leaders of Yongcheng Insurance, Class A cadres and key employees of the head office, members and sales directors of branches, Yongxin Sales and Yongcheng Asset Management team attended the meeting. Xiang Lijun, Deputy General Manager of Huaneng Capital Services Co., Ltd., Cheng Weidong, Secretary of the Commission for Discipline Inspection, and Chen Senru, director of Yongcheng Insurance and president of Fengxin Asia Co., Ltd. were invited to attend the meeting. The meeting reviewed the work of Yongcheng Insurance in 2018, deeply analyzed the current internal and external situation facing Yongcheng Insurance, further clarified the requirements for the implementation of the "3668" development strategy, and the business goals and development ideas for 2019, and carried out key tasks in 2019. Detailed deployment arrangements.
- 12.22 / 2018
Yongxin Insurance Sales and Service Co., Ltd. (hereinafter referred to as "Yongxin Insurance Sales") is a wholly-owned subsidiary of Yongcheng Property Insurance Co., Ltd. (hereinafter referred to as "Yongcheng Insurance") and is within the scope authorized by Yongcheng Property Insurance Co., Ltd. , Agent sales of insurance products of Yongcheng Property Insurance Co., Ltd. A few days ago, Yongcheng Insurance discovered that criminals were selling fake wealth management products in the name of Yongcheng Insurance. Our company has officially reported the case to the public security organs. The statement is as follows: Yongcheng Insurance has not sold any wealth management products, nor has Yongxin Insurance sales agent been authorized to sell any wealth management products. At the same time, any insurance product you have insured in Yongcheng Insurance can check the authenticity of the policy on Yongcheng Insurance official website (http://www.yongcheng.com/) or through Yongcheng Insurance National Unified Service Hotline: 95552. When the information of any one or more of the policies or policy applicants, insureds, insurance terms, insurance amounts, limits, deductibles, etc. that cannot be found through the above-mentioned query channels is inconsistent with the corresponding information specified in your policy ), Are not insurance products sold by our company, our company will not bear any insurance liability for this. In order to protect the legitimate rights and interests of consumers, Yongcheng Insurance strongly recommends that consumers who have purchased suspected fake products report the case as soon as possible and give the necessary cooperation to the judicial authorities. The legal business locations of Yongcheng Insurance in Beijing are only: 1. Beijing Branch of Yongcheng Property Insurance Co., Ltd. Address: 25th Floor, Building A, Yingdu Building, No. 48 Zhichun Road, Haidian District, Beijing 2. Yongcheng Property Insurance Co., Ltd. Company Beijing Branch Haidian Marketing Service Department Address: 26th Floor, Building A, Yingdu Building, No. 48 Zhichun Road, Haidian District, Beijing 3. Yongcheng Property Insurance Co., Ltd. Changping Marketing Service Department, Beijing Branch Address: 16 Xihuan North Road, Changping District The legal business venues of Yongxin Insurance Sales in Beijing on the 4th floor of Haoheng Building are: 1. Beijing Branch of Yongxin Insurance Sales and Service Co., Ltd., Address: 25B, 21st Floor, Building 1, No. 48 Zhichun Road, Haidian District, Beijing Yongxin Insurance Sales & Service Co., Ltd. Beijing Business Department 2 Address: 405, 4th Floor, Building 1, No. 16, Xihuan Road, Chengbei Street, Changping District, Beijing
- 11.29 / 2018
Taking risks by case: Analysis of typical cases of infringing on the legitimate rights and interests of insurance consumers
The China Banking and Insurance Regulatory Commission attaches great importance to protecting the rights and interests of financial consumers, and has continued to strengthen the investigation and punishment of violations of laws and regulations. Now it is the first time to release 6 types of typical cases of infringing on the legitimate rights and interests of insurance consumers, strengthen consumer risk warnings, and enhance the ability of the public to identify and protect themselves. To raise the awareness of consumer protection of bank insurance institutions. <p style = "text-align: center; font-weight: bold;"> Beware of auto repair units using insurance consumer information to cheat insurance money </ p> [Case briefing] An insured consumer lodged a complaint with an agency of the CBRC , Reflecting that an auto repair factory used the insured vehicle to make fake claims, and used its identity card to open a bank account privately to obtain insurance money from insurance companies. Upon investigation, the repair shop fabricated the false insurance information of the insured vehicle twice, reported it to a branch of a property insurance company, and forged the insured on the "Application for Motor Vehicle Insurance Claim" without the complainant's knowledge. At the same time, open an account in the bank with the insured identity card to collect insurance money without authorization, and fraudulently collected insurance money of more than 10,000 yuan. Because the relevant auto repair unit fabricated fraudulent insurance information for insurance accidents to cheat insurance money, it was suspected of a crime. The CBRC dispatched the case to the public security organ according to law. [Case analysis] According to the insurance contract, the insured of motor vehicle insurance generally submits relevant certificates and information to the insurance institution when the claim is made, and the insurance institution directly pays the insured to the insured. In practice, some insurance consumers have a poor sense of prevention after a vehicle is damaged. For convenience, the insured ID card, the insured motor vehicle driving license, the driver's driver's license in the event of an accident, insurance policy, etc. Relevant claim materials shall be submitted to the auto repair unit for compensation. In the case, the relevant auto repair unit made use of the convenience of identity and the trust of insurance consumers to create false insurance accidents to carry out fraud, infringed the rights and interests of insurance consumers, and jeopardized the insurance market order. [Supervision Tips] In order to prevent criminals from using insurance consumer information to defraud insurance funds, the Consumer Rights Protection Bureau of the China Banking Regulatory Commission reminds consumers to pay attention to the following matters when handling vehicle claims: First, protect personal identity information, keep ID cards, Bank cards and other important documents should be reduced as much as possible. Second, when it is really necessary to entrust others to handle compensation on their behalf, they should sign a power of attorney to confirm the scope and validity of the authorization, and do not easily hand over the original certificate to others; when providing a copy of the certificate, indicate the scope of use and validity. Third, after the settlement of the vehicle claim, check the claim record in time to check whether the number of risks and the amount of compensation are consistent with the actual situation. Fourth, if there is any abnormality in the claims record, contact the insurance institution for verification; if it is found that the relevant personnel use the insurance consumer information to defraud the insurance money, they should cooperate with the insurance institution to report to the public security agency to protect their own rights and interests. <p style = "text-align: center; font-weight: bold;"> Beware of the risk of misleading propaganda by the life insurance telesales business </ p> [Case brief] The supervisory agency found in the special inspection of Operation Liangjian that someone's body Insurance companies have the following violations in the process of telephone sales: first, exaggerating insurance liability; second, falsely publicizing laws, regulations and policies related to insurance business; third, concealing important information related to insurance contracts from policyholders; Fourth, selling universal insurance products in violation of regulations. In response to the above-mentioned problems, the regulatory agency fined the insurance company 700,000 yuan, warned three related responsible persons, and imposed a total fine of 270,000 yuan. [Case Analysis] The rapid development of life insurance telephone sales business is one of the important channels for consumers to purchase insurance products. In the process of telemarketing, consumers and sales personnel communicate through voice. The introduction of insurance products by telemarketers is very important for insurance consumers to decide whether to purchase insurance products. The "Insurance Law" stipulates that insurance companies and their staff must not deceive policyholders, insureds or beneficiaries in insurance business activities, and must not conceal important information related to insurance contracts from policyholders. In the case, the telephone sales staff of the relevant insurance agency misled the consumers. The main behaviors were: exaggerating the insurance liability, such as claiming that the insurance product "no deductible, no threshold, how much it costs, how much the company reports to us"; Business-related laws, regulations, and policies are falsely publicized, such as claiming that “the regulator has uniformly issued documents, and insurance rates will be adjusted upwards in the future”; concealing important information related to insurance contracts from policyholders, such as concealing the time, period and The rights enjoyed by the policyholder during the period of hesitation, the clauses exempting the insurer from liability, the potential loss of the life insurance contract, the uncertainty of the benefits of the new life insurance policy, etc. These misleading propaganda actions are often very confusing. Some consumers lack awareness of prevention and simply listen to misleading propaganda by telemarketing staff, which leads them to purchase insurance products that do not meet their own needs, causing damage to their rights. According to relevant insurance regulatory regulations, the products sold by insurance companies by telephone are limited to ordinary life insurance products. Eligible insurance companies can sell dividend-type life insurance products, but cannot sell universal insurance products. In the case, the related insurance agency's sales of universal insurance products through telemarketing channels violated the insurance supervision regulations. [Regulatory Tips] The Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reminds consumers to purchase personal insurance products through telephone channels. Pay attention to the following to prevent consumer risks: First, understand the nature of insurance products. According to insurance regulatory requirements, personal insurance telesales The channel is limited to selling ordinary and dividend-type life insurance products. The second is to understand the key information of insurance products, such as the name of the insurance product, insurance liability, exemption of liability, insurance amount, insurance period, payment period, surrender loss, etc., so as to prevent misunderstanding. Third, after receiving the insurance contract, you should read the terms of the contract in time, and if you find that you have mistakenly bought a life insurance product for more than one year, you can unconditionally cancel the insurance contract within the hesitation period. The insurance company will refund all except the cost deduction of not more than 10 yuan. Insurance premiums: If the one-year (inclusive) life insurance contract is cancelled, the insurance institution will return the cash value of the insurance policy in accordance with the contract. Fourth, if the telemarketing staff misleads the publicity, they can complain to the regulatory agency. <p style = "text-align: center; font-weight: bold;"> Beware of deliberately exaggerating the proceeds of insurance products to deceive the insured's sales behavior </ p> [Case briefing] A branch of the CBRC received complaints from insurance consumers, It reflects that a personal insurance center branch company was suspected of violating regulations in the course of sales to it. After investigation, it was found that the center branch company had the following behavior when selling a dividend-type life insurance to the consumer: First, the salesperson Guo said on the phone that the maturity benefit of the insurance was about 400,000 and said that it would be suspended. , Inconsistent with the actual situation of the product. The second is that the renewal service officer Liu deceived the policyholder, exaggerated the dividend income of the product, and there was a misrepresentation when explaining the dividend distribution method. In addition, other issues such as the failure to send a dividend notice to the policyholders were discovered. Regarding the above-mentioned violations of laws and regulations, the supervisory agency fined the center branch company 50,000 yuan and warned sales staff Guo and Liu respectively. [Case Analysis] According to the "Measures for the Management of Information Disclosure of New Types of Life Insurance Products", new types of life insurance products refer to dividend insurance, investment-linked insurance, universal insurance, and other products recognized by insurance regulatory agencies. The sales of new life insurance products should fully explain the following contents to insurance consumers: the future dividend distribution level of the dividend insurance is uncertain, and if the dividend method is used to increase the dividend, the conditions for receiving the final dividend should be specially reminded; the future investment return of investment-linked insurance is If it is uncertain, the actual investment income may suffer losses; the investment income of Universal Insurance above the minimum guaranteed interest rate is uncertain and depends on the actual operating conditions of the company. In the above case, Guo and Liu, salespersons of insurance companies, deceived policyholders, deliberately exaggerated the benefits of insurance products, and concealed the uncertainty of policy benefits, which are typical misleading behaviors of personal insurance sales. [Supervision Tips] The Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reminds consumers: First, correctly understand the insurance protection function. Insurance is a risk management method. The main function of insurance products is to provide risk protection. Life insurance takes human life or body as the object of insurance and pays insurance premiums when the insured has an insured event as stipulated in the insurance contract. The second is not to be induced by high interest rates. Some salespeople are misleading in selling new types of life insurance products, such as disclosure at a historically high rate of return, and promised guaranteed returns. Consumers should be vigilant, treat sales recommendation behaviors rationally, establish a scientific insurance consumption concept, and carefully understand the terms of insurance contracts. <p style = "text-align: center; font-weight: bold;"> Beware of insurance company salesperson concealing important information and copying risk prompts </ p> [Case briefing] A branch of the CBRC received insurance consumption Complained by Li: claiming that he purchased an annuity insurance (dividend type) product under the introduction of a life insurance company salesperson Huang, and Huang promised and exaggerated the income during the sales process, and did not The important contents such as insurance loss were explained, and Li was guided to answer "yes" to all the questions when he accepted the return visit of the insurance company, and Li had copied the risk reminder on behalf of the policyholder. Upon investigation, the question of quoting risk reminders from Mr. Huang's generation was true, and the supervisory agency adopted supervisory talks against the company. Although Li did not recognize the evidence of the signature of the insurance application and the recording of the telephone return visit provided by the insurance company, because he did not have the evidence or strong clues, it was difficult to verify other issues reflected by him. [Case Analysis] In order to promote the healthy development of life insurance business and protect the legitimate rights and interests of insurance consumers, according to the relevant provisions of the "Measures for the Management of Information Disclosure of New Life Insurance Products", insurance companies selling new life insurance products to individuals should be included in the insurance policy The insurer will transcribe and sign the risk reminder statement. For new products with a term of more than one year, a return visit system should be established, and the insured person should complete the return visit during the hesitation period. In the above case, Huang, a salesman in the insurance company, had problems such as concealing important information about the contract and copying risk reminder statements. In addition, the policyholder did not fully realize the significance of copying the risk reminder statement and accepting the telephone return visit of the insurance company. He simply walked the scene in accordance with Huang's inducement and later found that his interests were damaged. The signing of the insurance policy and the telephone interview to record the evidence, but they do not own the evidence or strong clues. [Regulatory Tips] The Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reminds consumers: First, confirm the important information of the contract before signing. Insurance consumers should treat sales recommendations rationally, read the contract terms carefully before copying the risk reminder and signing confirmation, and carefully evaluate whether the product meets their own needs and risk tolerance. Do not blindly sign and confirm, let alone others sign on their behalf. The second is to take seriously the return visits of insurance companies. The return visit system not only urges insurance companies to fulfill their information disclosure obligations, but also helps to solidify key sales processes so that facts can be identified after disputes arise. Insurance consumers should answer the return visit questions according to the actual situation. If they do not understand the relevant content of the insurance terms, etc., they should consult the insurance company in time, and do not blindly answer "clear", "understand", "know". <p style = "text-align: center; font-weight: bold;"> It is illegal for insurance institutions to refuse to underwrite strong insurance </ p> [Case briefing] A branch office of the CBRC received a consumer complaint, reflecting a property insurance Company branches refused to underwrite compulsory insurance for motor vehicle traffic accident liability (hereinafter referred to as strong insurance). Upon investigation, the insurance agency refused to insure the complainant's motorcycle to pay strong insurance on the ground that the complainant's motorcycle was a foreign license and the company had no documents for the time being. In response to the above problems, the regulatory agency fined 50,000 yuan to relevant insurance institutions. [Case analysis] China implements a compulsory insurance system for motor vehicle traffic accident liability, which plays an important role in ensuring that victims of motor vehicle traffic accidents receive timely compensation and promote road traffic safety. The Regulations on Compulsory Insurance of Motor Vehicle Traffic Accidents stipulate that the owner or manager of a motor vehicle driving on a road within our territory shall apply for insurance and strong insurance in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China; For an insurance company that chooses to engage in traffic insurance business, the selected insurance company must not refuse or delay underwriting. In practice, some insurance institutions have refused or delayed underwriting strong insurance for motorcycles and agricultural motor vehicles on the grounds that they have not submitted strong insurance documents or set unreasonable restrictions. Some motor vehicle owners or managers fail to reflect and resolve the problem in time after the insurance agency refuses or delays the underwriting and strong insurance. As a result, the motor vehicle fails to insure and pay for strong insurance in accordance with regulations. The motor vehicle will lose the corresponding insurance protection. The owner or manager of the motor vehicle shall bear the liability for damages after a traffic accident. In the case, the relevant insurance agency refused to underwrite motorcycle insurance, which harmed the legitimate rights and interests of consumers. [Supervisory Tips] The Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reminds consumers that paying strong insurance is compulsory insurance, and the owner or manager of a motor vehicle should apply for timely insurance. In the event that the insurance agency refuses or delays the underwriting of insurance and other actions, consumers can report it through the customer service phone of the insurance institution or complain to the regulatory agency to avoid losses caused by failure to apply for insurance and insurance in a timely manner to safeguard their legitimate rights and interests. <p style = "text-align: center; font-weight: bold;"> Beware of insurance agents' false promotion of “speculation stop” marketing </ p> [Case briefing] A branch office of the China Insurance Regulatory Commission conducted a special inspection during Operation “Bright Sword” It was found that a certain life insurance company's insurance agent, Ma, posted in his WeChat circle of friends the "last chance to buy reimbursable health insurance", "adjustment of major illness insurance rates" and other "speculation" information, with the concept of "imminent suspension" Misleading consumers for suspected false publicity. [Case Analysis] According to the "Guidelines for Identifying Misleading Behaviors in Life Insurance Sales", personnel handling insurance sales shall not make false publicity about the laws, regulations and policies related to insurance business; there shall be no publicity sales on the grounds that insurance products will be discontinued. , In fact, no deception such as suspension. In addition, even if an insurance company decides to stop using insurance terms and insurance rates in some areas, according to the "Personal Insurance Company Insurance Terms and Insurance Rate Management Measures", insurance companies cannot stop using insurance terms and insurance rates for publicity and Sales are misleading. In the above case, as an insurance agent, it was illegal for him to launch insurance business using marketing strategies such as "stop-and-shoot". Life insurance products are divided into ordinary type, dividend type, universal type, investment-linked type, etc. The expression of "refundable health insurance" is not accurate. Ma used the term "returnable health insurance" to confuse the features and functions of health insurance, which is false propaganda and misleading consumers. [Regulatory Tips] The Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission reminds consumers: First, when purchasing insurance, consumers should read the insurance terms carefully, not blindly follow the trend and impulse consumption, and choose rationally according to their own needs. The second is to raise awareness of risk prevention. Do not trust network rumors, and relevant policy information should be released through official channels. If in doubt, timely consult the relevant insurance institutions through the official channels or report to the regulatory authorities to avoid unnecessary losses.