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Shenzhen Silver Insurance Regulatory Bureau on the eve of 3.15 announced seven typical violation cases
Securities dailySu Xiangyu
Yesterday, the "Securities Daily" reporter learned from the Shenzhen Banking and Insurance Bureau that on March 12, the Shenzhen Bank of China Insurance Regulatory Bureau issued a "Notice on the typical cases of infringement of the legitimate rights and interests of insurance consumers" to the various insurance institutions under the jurisdiction, and said that In recent years, Shenzhen Banking Insurance Regulatory Bureau has intensified its investigation and punishment of acts that harm the legitimate rights and interests of insurance consumers, adhered to the principle of “strict wording, strict rectification, and heavy accountability, and effectively protect the legitimate rights and interests of insurance consumers, and will investigate and deal with them. Typical cases are reported.
Case 1: Life insurance sales misleading
The original Shenzhen Insurance Regulatory Bureau found in the investigation of insurance complaint cases that a life insurance company Shenzhen Electric Sales Center had deceived the insured. The main performance is that the sales agents have “not need extra consumption” and “promoted cooperation with the 9 major banks of the state-owned banks” and other misrepresentations. The concept of paying premiums is described as “saving money”, and the insured asks “is it right?” Affirmative reply when it is the same as the bank deposit.
In response to the above problems, the former Shenzhen Insurance Regulatory Bureau fined the company's Shenzhen Electric Sales Center for 120,000 yuan in August 2017, warned the relevant responsible person and fined 40,000 yuan, and warned the staff and fined 10,000 yuan.
Case 2: Sales are not true
The original Shenzhen Insurance Regulatory Bureau found in the investigation of insurance complaint cases that He Mou and Xiao Mou, salesmen of a life insurance company in Shenzhen, had false statements in the sales process, specifically as saying to customers that “after the 2008 financial crisis, The state requires foreign-funded financial institutions to trust some of their assets and businesses to the three major life insurance companies in the country. The products they sell can cover more than 900 major diseases, and 20% of minor claims will not affect the critical illness insurance. The only English-influenced dividend-paying product in China, after two years, you can apply for a mortgage loan at a rate of 30 times the value of the cash, and the customer can pay the premium by scanning the QR code.
In response to the above problems, the original Shenzhen Insurance Regulatory Bureau issued a warning to two salesmen in October 2017 and imposed an administrative penalty of 10,000 yuan.
Case 3: The brokerage company did not tell the truth
In May 2018, the former Shenzhen Insurance Regulatory Bureau found in the on-site inspection that an insurance brokerage company had not informed the policyholders of the behavior of the insurance product underwriting company. The main performance is that in the introduction of the insurance products on the website platform ticket order page of the cooperation, the underwriting company displayed is inconsistent with the actual underwriting company in the ticket order. There are 333,000 aviation insurance policies involving the above problems, and the premium amount is 9.99 million yuan.
In response to the above problems, the former Shenzhen Insurance Regulatory Bureau imposed a fine of 200,000 yuan on the insurance brokerage company, and issued a warning to the person in charge of direct responsibility and imposed an administrative penalty of 60,000 yuan.
Case 4: Bank fraudulent policyholders
The original Shenzhen Insurance Regulatory Bureau found in the on-site inspection that a bank had illegal activities of defrauding policyholders in the operation of telephone sales insurance business, mainly in providing false market information to customers, exaggerating or falsely stating that they were sold. Insurance products, false propaganda of laws, regulations and policies related to insurance business, and false propaganda of insurance product sales threshold conditions. There are 103 insurance policies involved, involving a premium of about 498,000 yuan.
In response to the above problems, the former Shenzhen Insurance Regulatory Bureau granted the bank an administrative penalty of 300,000 yuan in July 2018.
Case 5: Production will deceive policyholders
Shenzhen Yinbao Supervision Bureau found in the on-site inspection that a life insurance company Shenzhen Branch used misleading courseware during its product briefings on December 17, 2017 and December 30, 2017. The specific performance is that there is "the most profitable in the courseware, 80%-120% more than the investment income of the traditional insurance company", "fast return, high income, the first year of the industry...", "Buy now, help the child grab one To subscribe for the best annuity insurance opportunities in the industry, "three-year return to the book", "limited edition Huimin good products, grab the reward is to earn, change the place to save three years, in exchange for life-long three million yuan guarantee" and other misleading content. The two product briefings will cover a total of 5 insurance policies with a total premium of 270,000 yuan.
In response to the above problems, the Shenzhen Bank of China Insurance Bureau imposed a fine of 250,000 yuan on the company in November 2018, and warned the responsible persons and imposed a fine of 80,000 yuan.
Case 6: Signing instead of the insured
In November 2018, the Shenzhen Banking Insurance Regulatory Bureau found in the investigation of the complaint case that the salesperson did not inform the insured of the exclusion of liability and the 180-day waiting period of the insurance product during the insurance business, instead of the insured. Liu signed the insurance policy and the insurance proposal.
In response to the above problems, the Shenzhen Bank of Insurance and Supervision Bureau gave the salesman Zhou Mou warning and imposed a fine of 8,000 yuan for administrative punishment, and supervised the responsible person of the relevant insurance company to rectify the rectification.
Case 7: Customer information is not true
Shenzhen Yinbao Supervision Bureau found in the on-site inspection that the customer contact number of the insurance policy of the property insurance company Shenzhen Branch, which was underwritten from January 2017 to May 2018, and some of the policy records in the core business system were not true. the behavior of. Among them, there are 340 unsolicited telephone numbers for insurable vehicle commercial insurance business, accounting for 2.62% of the total number of insured policies; 7714 of the insured health insurance portfolio insurance customers have incomplete telephone numbers, accounting for 2.33 of the total number of insured policies. %.
In response to the above problems, the Shenzhen Bank of China Insurance Regulatory Commission imposed a fine of 200,000 yuan on the company in February 2019, giving the relevant responsible person a warning and imposing a fine of 40,000 yuan.
Editor in charge: Shen Xuejiao RF13056
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