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Short-term health insurance, vigilant, "guarantee renewal" commitment
Securities dailySu Xiangyu
On the eve of 315, the Shanghai Banking and Insurance Bureau issued two copies of the “Insurance Risk Tip ‘3.15’ Special Edition”.
On March 13, the Shanghai Insurance Regulatory Bureau issued the "Insurance Risk Alert" 3.15" special (2) - distinguishing between long and short health insurance, recognizing "continuous" non-"guarantee", and said that in recent years, one year and below Short-term health insurance is increasingly favored by consumers because of its flexible insurance and price advantage, but unlike long-term health insurance, short-term health insurance does not last more than one year, and does not guarantee renewal.
Therefore, the Shanghai Banking and Insurance Bureau reminds consumers that they should pay attention to the following three points when applying for insurance.
First, recognize long-term health insurance and short-term health insurance. Long-term health insurance refers to health insurance that covers more than one year of insurance or that does not exceed one year during the insurance period but contains guaranteed renewal terms. Short-term health insurance refers to health insurance that is under one year and less years of insurance and does not contain warranty renewal terms. At present, property insurance companies can only operate short-term health insurance for one year and below, and must not operate long-term health insurance.
The second is to distinguish between “guarantee renewal” and “continuous insurance”. The “guarantee renewal” clause means that after the expiration of the previous insurance period, the applicant shall file an application for renewal, and the insurance company must continue to underwrite the contract in accordance with the agreed rate and the original terms. Some companies have set up a “continuous insurance” clause in short-term health insurance products, usually after the insurance contract expires, the insured can apply to the insurer for continuous insurance and does not calculate the waiting period (waiting period: also called “ During the observation period, the time is generally 30 days to 180 days, the consumer has an insurance accident during this period, and the insurance company does not bear the liability for the contract. If the insured is not guaranteed to renew, the insurer may refuse the applicant's continuous application for insurance.
The third is to be wary of the “class guarantee renewal” marketing propaganda commitment. For products that are not guaranteed to be renewed (such as the above-mentioned “continuous insurance”), the insurance company may appear to suspend sales, adjust the rate or introduce new products, and then the insurance consumers will face the expiration of the contract and cannot be renewed. risk. If the insurance company puts forward the “Certificate Renewal” marketing propaganda commitment such as “Renewal of non-restrictive insurance, non-force majeure factor does not refuse the customer renewal” at the time of sale, consumers should pay attention to whether such commitment is written into the insurance contract. Or pay attention to retain relevant evidence to avoid the lack of basis and the relevant rights are not protected by law.
The Shanghai Banking and Insurance Regulatory Bureau advises consumers to clearly define their insurance needs before insuring, comprehensively understand the product attributes, and comprehensively select the insurance products that are most suitable for them. For short-term health insurance products, do not mistake the continuous insurance to ensure that the insurance company guarantees the renewal of insurance, and do not believe that some sales personnel "endorsed the warranty" orally, in order to avoid obstacles in the renewal of insurance, and thus affect their rights and interests.
In fact, on March 11, the Shanghai Banking and Insurance Bureau issued the "3.15" insurance risk warning special (1) - the policy "double record" must pay attention to, its own rights and maintenance, and said, "double record" It is an important means for insurance institutions to backtrack management, and it is also a powerful weapon to restore key links in insurance sales, prevent misleading sales, and effectively protect the rights and interests of policyholders.
The Shanghai Banking and Insurance Bureau reminds consumers that insurance companies and insurance intermediaries use the “double record” to record the insurance sales behavior truthfully. They can urge the sales staff to truthfully inform the consumers of insurance product information, reduce sales misleading, and facilitate disputes in the later stage. Timely identification of facts and reduction of consumer rights protection costs. Therefore, consumers should fully understand the importance of "double record", one is not afraid of annoyance, the second is to seek truth, and through the truthful presentation of the insurance sales process, it forms a binding force for sales personnel's compliance sales. In the event of an insurance dispute, consumers can also use the "double record" weapon to effectively protect their rights and interests. In addition, the purchase of insurance products with death as a condition of payment shall include the insured agreeing that the insured enters into an insurance contract and recognizes the contents of the contract.
Editor in charge: Li Limeng RF13188
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