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Data:2009-12-12 2:34
Jun-Hui Deng, Shenzhen, insurance regulatory, Deputy Secretary to the "Daily Economic News", said the policy if it is outside the respective insurance companies to sign, then its legal effect of the mainland of China are not subject to legal protection, but subject to the signing of the legal recognition of land belonging to effective policy.
If it is through an offshore insurance agents in mainland China, signed the policy, it was an "underground insurance policy", the only sales agent behavior must be severely punished, the policy is signed by
Invalid. Because Hong Kong and Macao insurance regulatory authorities have provided that if the signing is not in the ground, then the policy is invalid.
For customers outside the local signature policy, the policy may be effective but due to many local insurance agents as "single link" should be wary of each other's misleading, fraudulent or forged documents related to.
Therefore, the customer to obtain insurance, they should promptly contact with the insurance company to confirm the policy in force. To pay an annual premium, if not by bank transfer, should also be recognized with insurance companies to prevent being misappropriated premiums.
For signing in mainland China's "underground insurance policy" customers, the central fiscal largest insurance department head Professor Hao Yansu that, in general, if it is within the signing of two years, since the policy was invalid and should take the initiative to contact foreign insurance companies ask the surrender. Accordance with established practice, the general refund the full premium, the customer for the loss of only the interest.
If signing for more than two years, due to other insurance companies for two consecutive years does not recognize an invalid policy, the policy is when considered valid. Jun-Hui Deng said that the type of customers still went to the local, re-signing formalities to fulfill in order to confirm the policy take effect.
