China Insurance Regulatory Commission yesterday released the "personal business norms of basic services," the draft will be the first to set informative, and quantify the full range of life insurance industry minimum standards of service.
It is understood that the specification provides for the personal insurance business of counter services, marketing, underwriting, customer return, preservation, renewal, claims, the emergency mechanism, the disclosure of information, consultation complaints, service quality assurance and oversight in areas such as the basic requirements for insurance Customer-oriented companies to provide insurance services to the basic standard.
China Insurance Regulatory Commission is strictly prohibited sales on behalf of policyholders and insurers signature. Requiring the company to prompt the establishment of insurance systems, with special dividend prompted insurance dividend of uncertainty, Universal deducted from the cost of the insurance settlement and interest rate uncertainty, even for products and deducting the cost of investment income may be negative for risk.
With particular emphasis on the China Insurance Regulatory Commission, insurance companies should be made by bank transfer, and other non-cash charge of the new first phase of the single premium, customers take the initiative to pay insurance premiums or do not have the local conditions with the exception of transfers.
China Insurance Regulatory Commission requiring the company to return the system should be established customer, customer records in a timely manner and return the situation. Secretary of insurance salesmen from all business and policy failures should be carried out from the former Division 100% return, and to inform long-term insurance customer service staff to take over the name and contact information. For the surrender of more than 1,000 customers, clients and expire claims clients 100% return. The rest of the customers pay a return visit to conduct random checks. Can not be used in a variety of ways to complete the return visit, the suspension should be made into account fees or commissions.
China Insurance Regulatory Commission clear, insurance companies, fails to come up with the development of the norms of quality of service indicators by the insurance regulators ordered to correct their errors. Not for serious reform in a timely manner, depending on the seriousness of the relevant persons responsible for giving a warning, a fine of 30,000 yuan, and other penalties.
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