Shanghai insurance industry of the “unspoken rules” false information to mislead consumers
[Motor]
Baojian Ju received many complaints
Rates as low as 70% of the nearly thousand dollars to the oil supplied votes.
Recently, the purchase of a motor of a lot lower prices, consumers delighted at the same time, behind the enormous problems beginning to show. Claims and services is not in place, the actual operation does not pay or lower the payment limit chaos, has become Baojian Ju received customer complaints of a focal point.
This is the beginning of chaos.
“Property Insurance auto insurance companies account for half of premium income, or even higher.” A large General Insurance company’s office staff said, “Since 2007, a number of insurance companies has increased competition in auto insurance, with tragic situation To describe the point can not be overemphasized. Generally speaking, auto insurance rates below 6%, business is certainly no receipts or negative earnings. Here, the China Insurance Regulatory Commission expressly provided auto insurance rates shall not be less than 70%. ”
The staff said that, although on the surface are given by 70%, but also in private commitment to send a lot of things, such as oil, with Lianhua cards, the actual rate of close to 6%. Although the various insurance companies is hard to bear the cycle of vicious competition, but now the situation is, can only use 70% lower than the rates to market competition, otherwise there will be no customers. Consumers seem to enjoy a great concession, but in fact, the final competition of this tragic injury is not just insurance companies, consumers will not have to pay a series of commitments or reduce services, such as trouble.
Bao Jianju communications in the first half of this year premium income in fiscal Chanxiangongsi the original premium income of 7.657 billion yuan, an increase of 11.45 percent, but the ranking of the country, Shanghai has a large number of private cars of this city, but because cars Insurance business growth rate lagged behind the other provinces and cities, a direct result of fiscal Chanxiangongsi a decline in premium income the previous quarter, out of the fifth.
In the insurance industry, the “tree law” is an important principle to follow, a simple understanding that “羊毛出在羊身上”, the collective use of the premium to support individuals occasionally reflect the different accidents.
At present, the Shanghai auto insurance competition is clearly contrary to the law, unhealthy competition actually makes insurance companies can not avoid the negative earnings, and only involved. Such problems after more than a year after the competition has been put on the front desk, recently, the China Insurance Regulatory Commission Chairman named several General Insurance Company, identified as the lack of solvency, including the now relatively well-known auto insurance business in the insurance business .
The actual decline in operating income, the direct owner dissatisfaction. Shanghai Bao Jianju, a person in charge said that the vehicle insurance data untrue, claims services is not in place, the market confusion, Baojian Ju recently received a lot of complaints.
[Insurance]
The main problem is misleading consumers
“If you hear a clerk of the silver-and life insurance products have a lot of commitment, then the可要carefully.” In Fuzhou on a certain bank manager said, “Now the market is not very good, a lot of silver-products will be recommended Exaggerate the benefits, they introduce to you the protection and benefits, and may even find it difficult to gain a clear understanding of their own specific content, most of exaggeration. ”
The condition of anonymity, manager of the bank lobby reminded, from one aspect, and should be Assistant Secretary of the Shanghai Bao Jianju Li Feng statement: “Life’s main problem is misleading.”
The first half of 2008 growth pace of life all types of different. Traditional business premiums increased slightly, the rapid growth of new premium products, even for insurance and universal life insurance has accounted for the overall market of 46.90 percent. At the same time, the rapid growth of the banking business, the first half of Shanghai Bank and Insurance industry total revenue premiums of 12.527 billion yuan, an increase of 140.48 percent. One volume of Chinese-funded companies soared 10.52 billion yuan, an increase of 235.14 percent.
On the one hand, the premiums of insurance companies soared in addition to making traditional business, and find a new breakthrough. On the other hand, the rapid expansion of business, there are also a lot to mislead the consumer and exaggerated earnings.
Baojian Ju Zhu Director of the Life Insurance Association said that the issue has been of concern to mislead. Standardized document of the many, but also encountered a lot of trouble, first, investigate and deal with evidence, and the second is the education of the insured. Silver-service products in the follow-up on commitments to deletion.
In life insurance, in addition to silver-and even dangerous, all types of accident insurance has long been misleading frequent is a more prominent the contradiction. As many articles and detailed design, Mianpei except when part of the responsibility in the sales clerk rarely mentioned, if not completely see or understand the terms, it is easy to disputes. Involved in the larger funds, many consumers will find a solution through the law, a prosecutor said Jiang Xing, most of the cases involving insurance companies, very few consumers are winning, why is not clear at the time of purchase terms. Access to legal support.
[Baojian Ju:
Implementation of the second half to see single-fee
Assistant Secretary Li Feng said that the regulatory focus of the second half of the auto insurance market in comparison chaos, the Life Insurance misleading, and so on. Vehicle insurance against loss of foam and consumption, false accounts, the platform has completed the development, will be implemented after the Olympics to see fees alone. Including cross-risk insurance, business insurance, additional insurance policies, etc., can be complementary system through China UnionPay, the insurance company accounts directly from the platform was. So as to avoid the insurance intermediary institutions from the interception.
Director Tu Xin Bao Jianju auto insurance, auto insurance intermediary organizations because most of the master channel, and General Insurance companies, the data do not lead to vehicle insurance business really true, the bubble premiums, are insufficient solvency of this has a direct Association. Bao Jianju platform can achieve T +0, sought assurances that all刷卡, the day will be able to complete the transaction. At the same time, to change the previous trading patterns and the concept and “single-handedly pay the primary delivery.” This industry will be able to regulate, not only auto insurance underwriting data true, can also request real claims data.
For life insurance in the exaggerated, false misleading, Li Feng said that the second half of the year will take some means to guide. If the insured education manual release of eight aspects of performance will be asked to explain consumption, except for the responsibility and scope and will require that customers get the signatures, as far as possible, so as to avoid misleading.
At the same time, Bank and Insurance Bank in the larger proportion of staff, has been to sales and earnings-related operations, now has the joint research and Banking,发文. In the level, will convene a “3 +1 +1“, that is, the OCI, the Banking, Securities and Futures Commission, the central bank coupled with the Government’s joint meeting to step up monitoring bodies platform for effective communication.
Dongfang Wang
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