The limited clause of the policy is not black!Hua'an Property & Casualty Insurance has not been rectified after being interviewed

Recently, the reporter learned from the Consumer Association of Zhenjiang City, Jiangsu Province that the limited clause of the Huan Property Insurance Company's insurance policies did not adopt the form of font plus black and thickened. Later, still not rectified. The regulatory authorities stated that they will start the procedure for the case in accordance with the law.

In December last year, the Zhenjiang Market Supervision Bureau and the Municipal Consumers Association jointly carried out the review work of the insurance contract format. Not long ago, the Zhenjiang Market Supervision Bureau and the Municipal Consumers Association interviewed the five insurance companies with existing problems, pointing out the problems in the insurance contract terms, and put forward rectification opinions.

After the interview, the four insurance companies took measures such as deleting relevant terms and suspending sales products, actively implementing rectification requirements, and said that such situations would be eliminated again. Hua'an Property Insurance Co., Ltd. Zhenjiang Center Branch argued in the situation that there is no phenomenon of unfair format terms, and a reasonable way to remind the insurer to pay attention to the relevant terms.

The company explained that electronic insurance policies include four parts: insurance policy, insured statement, insurer notification matters, and terms. Insurance companies show the relevant content of the "limited treatment hospital" and "compensation standards" in the insured statement of the insured of the product, the informing of the insurer, and the clauses. Consumer's right to know. The content of the "special agreement" in the insurance policy is consistent with the content of the terms, so it is not bold again.

The lawyer of the Zhenjiang Consumers' Society's Vitamin Lawyer Group believes that the insurance contract stipulated in the Insurance Law is a broad concept, including insurance forms, insurance policies, insurance clauses, batch orders, etc. These are part of the insurance contract. Article 17, paragraph 2 of the Insurance Law, stipulates that "the clause exempting the insurer's responsibility in the insurance contract", the insurance contract here includes the above composition documents. Therefore, the legislative intention of this article should be as long as there is a clause that exempts the insurer's responsibilities, it should make a prompt that can attract the attention of the insurer, and no matter which composition of this clause appears. The special reminder of Hua'an Property Insurance Insurance also shows that "this insurance policy is the basis for the insured to claim to the insurer, please keep it properly." Such important documents should not be ignored by the insurance company.

In the next step, the Zhenjiang Market Supervision Bureau and the Municipal Consumers Association will continue to track the implementation of the rectification of various enterprises. For enterprises that delay, push or refuse to rectify, they will be filed for investigation and punishment according to law.

Produced by Chinese Consumer Newspaper New Media Editorial Department

Source/China Consumer News · China Consumer Network

Author/Wu Yuping Chen Hongsheng Xue Qingyuan

Edit/Duke

Supervision/He Yongpeng Ren Zhenyu

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