Category: Insurance tips Release Date: 2006-08-01
Insurance form contract is like "Double Dutch" terms of the contents of complex and lengthy, frequent technical terms ... ... In response to these circumstances, Beijing recently issued by insurance regulatory "Insurance Tips" system, and for this year starting June 1, all insurance companies sell insurance Tips to consumers must be insured note. The reporter learned from the insurance regulatory authorities in Nanjing was informed that related work has also been launched in Nanjing. The timing of the implementation of this system, but also based on the actual situation.
"Double Dutch" terms stumped Insured
Effective insurance premium, policy cash value, dividend rate of ... ... These frequently appear in the insurance policy in professional terms, in terms of ordinary people is simply, and "Double Dutch" is no different. And some insurance agents will blindly exaggerated in the marketing function of the insurance for the members of the public should pay attention to the problems are avoided.
A survey shows that the people who have purchased the insurance, exemption from liability clause of the contract is not clear as high as 45.4%; in the people who do not buy insurance, there are nearly 10% of people refused to buy insurance just because can not read the contract. And more consumers, said the reason for the strange refusal to consult an insurance agent, that is worried about being cheated can not read the contract.
Policy calling for "Help"
Early February of this year, CIRC Chairman Wu Dingfu work conference at the National Insurance position, the insurance industry in 2004, one of the main tasks is to actively promote the popularization and standardization of insurance terms. It is reported that some domestic insurance companies have started brewing relative popularization of the insurance policy designed to improve the status of the insured can not read the contract.
However, some of this industry is to hold a different view. People think that a life insurance company, the insurance industry itself is highly technical industry, which determines the relative insurance contracts is complex and professional. If you are using a large easy to understand the vernacular, they will inevitably form a linguistic loophole, thus affecting the legal effect of insurance contract and no longer have the rigor and authority.
"Insurance Tips" system is expected to put
Effect on June 1 will be implemented in the Beijing area, "Insurance Tips" system, the provincial Paul Society, experts say, to the arcane insurance terms with "instructions", on the one hand does not undermine the professionalism of insurance terms, a respect to the common people but also further clarify the insurance, there is a greater operability. Nanjing, the relevant regulatory authorities have also said that the average consumer can not read insurance contracts the situation is attention. Beijing is pushing the "Insurance Tips" system, Nanjing is also aware of the relevant work is being carried out, the specific operation but also depends on the actual situation.
