Risk reminder about preventing misleading insurance sales

Recently, some consumers reported that in order to improve sales performance, some insurance sales staff provided consumers with information that did not match or misunderstood people in the process of sales of insurance products, induced consumers to buy insurance products, there are routine marketing, induction of induction Consumption, mandatory delivery and other issues have infringed the legitimate rights and interests of consumers. To this end, the Consumer Rights Protection Bureau of the China Banking Regulatory Commission issued the fifth risk of 2022, reminding consumers to pay attention to preventing misleading insurance sales.

Misacuating insurance sales refers to insurance companies, insurance agencies, and insurance salespersons in the insurance sales business activities, violating laws and regulations and relevant regulations, and through deception, concealment or induction, make misunderstanding of insurance products or Explain behavior.

Sales misleading behaviors infringe the right to consumers' right to know, independent choice, and fair transaction rights.

Performance 1: Conceal and confuse product information to mislead consumers. Concealing the attributes of insurance products intentionally, confusing products with similar insurance liabilities, or confusing insurance products and other wealth management products to infringe consumers' right to know. For example, to promote sales insurance products in the name of other financial products such as bank wealth management products, bank deposits, and securities investment funds; Simple comparison of yields causes misleading consumers, and it is easy to cause claims disputes or surrender disputes.

Performance 2: Hidden consumer misleading consumers. During the sales of insurance products, in order to improve sales performance, individual sales staff misled consumers blindly insured high insurance products on the grounds of discount discounts, company regulations, and underwriting policies. There are also some web pages and APP operation pages. They are bundled and sold by default selection, forced check, and forced consumers to purchase unnecessary products or services, which infringe on consumers' autonomous choice.

Performance three: exaggerate insurance liability or commitment to ensure that income is misleading consumers. In the process of insurance product marketing, individual sales staff introduced key information such as disconnection of context, avoiding the weight of the insurance liability, avoiding the scope of insurance liability, and weakening insurance liability exemption. For example, verbally promised to "everything can be compensated" to the insurer, and the scope of the guarantee was misleading consumers and buried hidden dangers to consumers; Emphasize "high income" without showing false publicity behaviors such as disadvantages and promises to ensure income.

In response to the misleading behavior of insurance sales, the China Banking Regulatory Commission has continuously improved the system and strengthened regulatory efforts, links relevant units to focus on co -management, and effectively rectifies the moral bottom line and ignore the interests of the masses. At the same time, the Consumer Protection Bureau of the China Banking Regulatory Commission prompts insurance consumers: when buying insurance products, do not follow the trend, do not entrust at will, and do not believe in "agency surrender" and "agency rights protection" to prevent the risk of misleading sales.

1. Do not follow the trend, confirm the content of the insurance contract before insured

The insurance contract is an agreement to agreed by the insurance rights and obligations established by the insured and the insurance company. The coverage provided by insurance products shall prevail on the insurance liability in the contract terms. It is recommended that consumers carefully understand the underwriting agencies, the scope of protection, except liability, premium, insurance premiums, insurance premiums, or payment conditions according to their own insurance needs. Choose insurance products that are most suitable for your own needs, risk tolerance and economic strength. Pay attention to prevent risks such as confusion, vagueness, and exaggeration of insurance liability in the marketing process. In addition, when insured, whether it is offline or online insurance, you must carefully check the insurance types before paying, and then insure after understanding the important terms of the contract.

2. Do not entrust at will, pay attention to protect personal information security

When choosing and purchasing insurance products, consumers should not entrust others to apply for insurance at will, do not sign to authorize at will, pay attention to personal information such as important documents, account passwords, verification codes, face recognition, etc. I confirmed that I should treat important links such as signing, authorization, and payment to ensure that I understand the content of the agreement signed or authorized.

Third, do not trust the "proxy surrender" and "agency rights protection", choose a legal and reasonable way to protect rights protection

If you have any objections to insurance products or services, or there are disputes in the process of purchasing insurance, you must pay attention to retain the corresponding evidence, timely complain to the insurance company, or apply for mediation to the industry mediation organization. Or sue to the court. Through normal channels to safeguard their rights and interests, do not trust false commitments such as "agency rights protection" and "agency surrender", and do not participate in illegal behaviors that violate contracts, provide false information, and fabricate facts.

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