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In recent years, some lawbreakers have impersonated the staff members or the agents of the insurance company to forge or fraudulently use the documentations and official seals of insurance companies, and have fabricated false personal insurance contracts by means of paying high interests, commission charge or other discounts as a bait, for the purpose of defrauding the policy holders of their money. These have caused serious losses to the insurance consumers, destroyed the order of the insurance market, and impaired the social image of the insurance industry. In order to protect the interests of the numerous insurance consumers, and prevent the similar events from happening continuously, the China Insurance Regulatory Commission (hereinafter refer to the CIRC) reminds the numerous insurance consumers to consider the following matters when purchasing personal insurances: I. DON'T BELIEVE THE PROMISE FOR PAYING HIGH INTERESTS TO THE INSURANCE POLICY All the planned interest rates of the insurance policies of the life insurance companies are subject to the administration of the CIRC. The ordinary meaning of the planned interest rates refers to the interests calculated by a life insurance company according to the guarantee interests rate that is nailed down in advance for the accumulated premium, which is used for future payment, after deducting all kinds of expenses on the premium received, and the accumulated interests may also be paid to the insurants or beneficiaries at the same time when paying the insurance money. At present, the planned interest rates of the life insurance policy (including the long-term health insurance policy with the factors of planned interests rates) prescribed by the CIRC may not exceed 2.5% of the annual compound interest. Therefore, the policy holder may not readily believe the puffing claim of the interest rates exceeding 2.5% of the annual compound interest, and shall verify whether this kind of policy has been approved by or kept on record in the CIRC. Once the acts of promising high interests and collecting money illegally in the name of an insurance company have been found, anyone shall file an accusation to the CIRC and its detached offices in time. II. PAYING ATTENTION TO VERIFYING THE LEGAL IDENTITY OF THE OPPOSITE PARTY 1. In case a policy holder procures a group insurance, he may ask the person of the opposite party who handles the insurance matters to show his valid employee's card and ID card, and inquire about this at the insurance company for verification. And during the handling of the insurance matters, the policy holder shall, if possible, go to the place of business of the insurance company, to sign the agreement, hand in the premium, and get the insurance policy and the invoices of the premium, check with attention the "Insurance Business License" issued by the CIRC and its detached office, and the business license issued by the administrative departments for commerce and industry in the place of business of the insurance company. 2. In case a policy holder procures an individual insurance, if the opposite party is a permanent staff member of the insurance company, the policy holder may ask him to show his valid employee's card and ID card; if the opposite party is a promotion worker who acts as the agent of an insurance company, the policy holder may ask him to show his certificate for carrying out the business issued by the insurance company and his ID card, and may also inquire about this at the insurance company to verify his identity if necessary. III. CONFIRMING THE AUTHENTICITY OF THE PROPOSAL FORMS AND THE INSURANCE POLICIES, AND THE CONFORMITY OF THE TERMS OF THE INSURANCE POLICY WITH THE REQUIREMENTS OF THE INSURANCE AND THE STATEMENT OF THE PROMOTION WORKER The proposal forms and the insurance policies are the important documentations printed in uniform serial numbers by an insurance company, the policy holder may inquire about the authenticity at the insurance company for verification. The policy holder shall, after receiving the insurance policy, carefully read the following important contents in the insurance clauses: the insurance liabilities, the excluded liabilities, the conditions for the withdrawal of the insurance, the cash value of the insurance withdrawn, investment proceeds, and the dividend distribution policies, etc., so as to make sure that they meet his own insurance requirements, and that they are in conformity with the statement of the promotion worker, and he may also inquire about these at the insurance company for verification if necessary. IV. MAKEING SURE TO PAY THE PREMIUM SAFELY The policy holder shall, if possible, choose the counter of an insurance company as the place for paying the premium or pay the premium by way of transferring the bank account, and properly keep the invoices of the premium that are compiled with uniform serial numbers by the insurance company with the special seal of the insurance company for collecting money. Where the policy holder chooses to have the premium collected by the promotion worker who acts as the agent of an insurance company, he shall ask for the invoice or temporary receipt when paying the premium, and shall exchange and get the official invoices from the insurance company in time, in case that he receives the temporary receipt. In case a policy holder has any questions on the aforesaid issues, he may inquire about them at the insurance company at any time. He may file an accusation to the CIRC and its detached offices in time, once he has found any fraudulent act of the lawbreakers in the name of the insurance. |
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