Backtracking management makes online insurance more secure

Recently, the China Banking and Insurance Regulatory Commission (CIRC) announced that Internet insurance sales can be traced back. Insurance institutions, through sales page management and sales process records, keep records of the transactions of selling insurance products on the self operated network platform, so as to make them available for inspection. The scope of management is the commercial insurance products in which the applicant is a natural person. The industry insiders said that further regulation on Internet insurance sales will help maintain market order, prevent operational risks, and protect financial consumers’ basic rights such as the right to know, the right to choose independently and the right to fair trade. < / P > < p > in recent years, the Internet insurance business generated by the combination of Internet and insurance has grown rapidly, and the fragmented and Micro Internet insurance has widely reached all kinds of consumers. At the same time, the problem of Internet insurance infringing on the legitimate rights and interests of consumers also shows an explosive growth. According to the cbcirc data, in 2019, the cbcirc received a total of 19900 Internet insurance consumer complaints, an increase of 88.59% year-on-year, seven times the number of complaints in 2016. Among them, the problems of misleading sales and disguised compulsory tying are prominent. < / P > < p > in this regard, it is clearly required that the sales page should fully explain the insurance products, disclose accurate and complete information, and protect consumers’ right to know; fully respect consumers’ wishes, and enter the insurance process after the insured independently confirms that they have read it, so as to protect consumers’ right of independent choice; it is not allowed to set trading conditions that violate the principle of fairness, and a separate page should be set up for policy holders Explain the important clauses such as exempting the insurer from liability, and protect the consumers’ fair trading right. < / P > < p > for consumers, compared with offline insurance, online insurance can quickly compare the similar products of various insurance companies, which is convenient for consumers to select the best, and the prices of some products will be relatively preferential. Need to remind is, online insurance must guard against phishing software and network marketing traps, do not easily click on the relevant links.

insurance experts recommend consumers. First, online insurance should be formally selected, including official website of insurance company, official APP, official account of WeChat, and licensed insurance intermediary website. Second, carefully read the insurance terms before purchase, understand the nature of the product, and see the insurance notice, exemption and so on. Third, after the online insurance operation is completed, consumers will receive the electronic insurance policy, and then can check whether the insurance policy is true and effective through the official service telephone of the insurance company, paying special attention to checking the policy number, insurance type name, policy effective time, insurance period, insurance amount and other key contents. < / P > < p > in addition, if the health status page appears during insurance, please answer truthfully. According to Chinese regulations, insurance companies have the right to terminate the insurance contract directly without refund of the premium if they find that the consumer has intentionally concealed the insurance within two years, which is enough to affect the underwriting conclusion. Huawei mate40 concept machine exposed, Kirin 1020 + curved surface full-scale screen, beauty hanging on iPhone 12