The children's insurance market is hot citizens must be cautious

During the \"June 1st\" Children's Day this year, many insurance institutions have launched relevant children's insurance products. In recent years, as parents have continued to increase their enthusiasm for accident insurance for children, various children's insurance products have also been favored by the market.

The so -called children's insurance refers to the design for children and children to solve the costs of education, entrepreneurship and entrepreneurship they need during their growth, and cope with the diseases that children may face , Insurance products such as disability, death, and other risks; types include children's accident insurance, children's medical insurance, and child education insurance. However, the children's insurance market is hot, and there are also many chaos in sales. Some citizens reported that some insurance salespersons used the banner of \"buying a guarantee for children\" to pack critical illness insurance into financial insurance, claiming to give their children a lifelong guarantee and induce parents to insure their children.

Relevant person in charge of the Municipal Insurance Industry Association said that configuring insurance products for children must consider the children's own risk, judge rationally, and avoid impulse consumption. If the insurance configuration and the actual situation of the family are \"mismatched\", the insurance bought not only does not work, but also may bring unnecessary economic burden.

Example

Purchasing insurance was misleaded

\"I want to buy lifelong major illness insurance, insurance insurance, insurance insurance, insurance The agent recommends the financial dividend insurance for me. \"Citizen Li Hong introduced that in January this year, she wanted to buy the child to ensure the lifelong disease insurance. Because there was no time and energy to study various insurance products, she was in an insurance institution from a certain insurance institution. In the webcast room, the \"Internet celebrity\" insurance product recommended by the sales staff was purchased directly.

\"After two months, the insurance company called me that the insurance product insured to the child was a consumer financial dividend insurance for each year. It is not to guarantee lifelong major illness insurance. \"Li Hong said that she learned that the insurance product purchased was inconsistent with what she wanted to buy. Opinion.

\"From the perspective of guarantee, the cost -effectiveness of buying financial insurance is not high.\" It is necessary, but the premiums of financial insurance are more expensive, so children should buy insurance products first. In addition, if the consumer budget is sufficient and the health guarantee product has been purchased, you can also consider buying financial insurance.

Department

Continue to strengthen supervision and management

The reporter learned that the CBRC was drafted before before drafting The \"Administrative Measures for the Protection of Consumer Rights and Interests of Bank Insurance Institutions (Draft for Opinions)\", requiring bank insurance institutions not to conductFraud, concealment or misleading publicity shall not release false or misunderstandings such as exaggerated product income and covering product risks.

\"The regulatory authorities strengthen the protection of consumer rights and interests in a systematic, comprehensively, and standardized manner, and require insurance institutions The location of the Municipal Insurance Industry Association said that in the long run, the above documents are conducive to regulating the market behavior of insurance institutions, enhancing the social image of the industry, and promoting the high -quality development of the insurance industry. Consumers who have been infringed by equity have the right to claim to merchants on the grounds of fraud, and have the right to terminate the contract on the grounds of major misunderstandings, and require merchants to compensate for losses.

For insurance institutions, the training and management of insurance sales staff should be strengthened to avoid false publicity of insurance salespersons and mislead consumers. At the same time, consumers should also learn more about insurance knowledge, and be careful after fully understanding insurance information. Especially when insured for children, they should be configured according to different stages of children's growth and family financial capabilities. Read the product terms carefully before purchasing, and learn more about insurance liability, guarantee function, except responsibility, guarantee and payment period, product cash value and surrender rules.

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