Financial tsunami sweeping the globe, but the insurance industry in Guangdong is still the forefront LP. Yesterday, the spokesman for the Guangdong Baojian Ju Song Yang Yan in the third quarter of the insurance industry to run the briefings revealed that 9 months ago, Guangdong Province (excluding Shenzhen) of the insurance industry to achieve premium income 73,620,000,000 yuan, up 58.3 percent. This figure than the premium income of Jiangsu Province, more than 100 billion yuan. If this pace of development, Guangdong insurance premium income at the end of this year will be 1,000 billion yuan, once again among the nation's first premium list, and hit an all-time high.
Insurance head of the Guangdong Baojian Ju Huang Hui also said that from December 1, in Guangdong Province will implement a unified commercial vehicle insurance settlement and strong risk see a single fee system for automobile insurance must be "paid their dues, one hand ( Paul) alone "in order to enjoy the due responsibility of the insurance. Owners should transfer or check to pay the premium in two ways, and can not use cash to avoid intermediaries illegal interception of the premium arising from the phenomenon.
"Overheating" of the insurance industry has since cooled
For the early signs of overheating in the development of insurance, Guangdong Baojian Ju at the time the warning on the growth rate of "overheating" in a timely manner and intensify the structural adjustment efforts. In the first quarter of this year, Guangdong Province, premium growth was 79.9 percent; in the second quarter of premium growth rate down to 57%, a decrease of 22.9 percentage points; in the third quarter growth to 36.8 percent premium over again in the second quarter dropped 20.2 Percentage points lower than in the first quarter by 43.1 percentage points. As can be seen, the region's macro-control effect was obvious.
Guangdong Baojian Ju spokesman said Yang Yan Song, so obviously benefit from the effects of business restructuring, in particular the protection of the types of insurance-up to improve the rapid development of the insurance-based investments. From the structure of the life insurance business, individual agents accounted rapid increase in bank insurance accounted rapid decline; security products increased proportion of investment products decreased proportion.
More importantly, be seen as the sustainable development of the insurance industry a significant sign of a new period of single-premium payment is adjusted in the current round of rapid growth. Data showed that 9 months before the province's new single period to pay life insurance premium income growth of 61.4 percent. Phase one of the bank to pay insurance premiums grew 60%, the period of insurance premiums paid increased by 62.6 percent. Especially in the third quarter of the year, 5 years and above 10-year period of rapid growth in premium payment, to pay premium for the period of contributions to the growth rate of 77.1 percent.
"See a single fee" system to start next month
In order to effectively address the current market, the existence of the fake insurance policies, false claims, insurance retention of employees, misappropriation of insurance premiums, and other serious harm to the interests of consumers of illegal acts, Guangdong will start on December 1 in the auto insurance business and strong cross-practice insurance See a single-fee system.
According to the reporter learned that the purchase of auto insurance is one of the main channel through insurance intermediaries. Premium to the owners of intermediaries, intermediary institutions and insurance companies to take a month or 2 months, clearing the way co-operation on a regular basis. However, because insurance companies often "one-in-first-out after the charges" in the form of making some of the intermediaries or agents of the non-settlement of insurance premiums on time and take up the premium even misappropriated premiums, once in a occurrence of traffic accidents during the period, the owner With the insurance company will have a claims dispute, resulting in a very negative impact.
Guangdong Baojian Ju Insurance office of the Yellow Sea Hui said that the system is the core of the receiving premiums of insurance policies issued before the effective avoid because of the premium or premiums recorded in a timely manner can not be retained, and other reasons leading to the settlement of insurance claims Dispute. At the same time, the system can improve the owner's insurance company for efficiency and to prevent a large number of stranded insurance premiums or insurance salesman in the hands of intermediaries, the effective protection of the insured person's legitimate rights and interests.
For insurance companies, although the premium has not receiving timely, but the auto insurance policies in force, we must assume the responsibility for insurance. And see a single fee system is implemented, each with its policies will generate the full premium for the inflow of the premise, confirmed by the automatic system. If the premiums not have full access to insurance companies, the system will refuse to print the policy, the insurance intermediary to prevent the misappropriation of premiums or misappropriated, but also reduces the risk of insurance companies.
Next year the owner can claim online
Last year just to buy a car of Mr. Lin in the process of renewal had been told to increase 10% in order to insure that the specific reasons for last year's record claims its Chuxian too many records. However, through access to the list of claims, claims the accident occurred some locations, such as Longdong, Huadu, and so have not been to their own, no traffic accidents. Mr. Lin told the insurance companies, which may be used in its 4S shop or repair shop in collusion with each other, Pianbao false.
Mr. Lin may have confused this will not happen again next year. Hui said the Yellow Sea, from January 1, 2009 from the province's auto insurance will be implemented within the framework of Pei An online information system. Insurance policy holders through the pages of the Chuxian the number of vehicles insured, after Chuxian, to deal with the case, the amount of compensation in cases such as real-time information inquiries. Once issued by insurance companies Chuxian situation with the facts, can be insured with the insurance company immediately or regulatory authorities, in a timely manner on a number of fake insurance policies, such as the false claims act against them, particularly for the prevention of certain aspects of false claims and the expansion of Peian The amount of behavior, reduce the cost of claims.
In the absence of telephone tips or leave policy
From January 1, 2009, the province-wide implementation of vehicle insurance policies will be prompted calls system, that is, insurance companies listed in the insurance policy information, tips insured services through the hotline to verify insurance information. If the owners of their insurance policies faced no information hotline tips, is likely to be false or invalid insurance policies.
Bao Jianju provisions of the Guangdong Property Insurance carried out by the cross-strong motor vehicle insurance and commercial vehicle insurance business should be the implementation of vehicle insurance claims Pei An online information system. Insurance companies must work in time to establish a telephone hotline for inquiries owners, to encourage qualified companies to establish working 24-hour hotline system.
To remind owners
Premiums are not paid in cash
Since Dec. 1 auto insurance business see a single-fee system in place, the jurisdiction of the Guangdong insurance companies, insurance agencies and related businesses no longer accept insurance consumers to pay premium in cash and in stages. Insurance consumers can use their credit cards or bank transfers to the delivery of their own premiums. After receiving the full premium funds, insurance policies can be issued.
Huang Hui reminded the public that this is a change in consumption habits, under the new system of business operations, sales and insurance companies only see one side of the insurance will not cause great inconvenience to consumers.
Account must surrender of the same name
And see a single-fee system introduced by the matching grant premium in full retreat transfer system in place, the surrender procedures for insurance consumers, insurance companies must be in full (not retained) in order to transfer directly to the policyholder with the same name Bank account, not the names of other bank accounts.
Telephone information policy
Since January 1, 2009 the implementation of auto insurance policies prompted calls Pei An auto insurance system and online information systems, insurance consumers to buy vehicle insurance in the week after, in particular the agreed basis for policy advice column, telephone-related policies Information to confirm the authenticity of the policy. Chuxian, the website can be found at insurance claims progress. After the settlement of claims through insurance claims inquiry system to check the amount of compensation.
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